davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the XXXX XXXX bureaus have failed to correct errors in their reports within the allotted time.

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date.

I only have contact with a mail service in Texas.

1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed.

2. XXXX is not my name. remove it. Crossed accounts?

3. XXXX is not my telephone number. remove it.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

My account statement for XX/XX/XXXX has a 3-week gap without any reported transactions from XX/XX/XXXX to XX/XX/XXXX. 

I submitted a complaint to the CFPB earlier about reporting gaps in the XX/XX/XXXX and XX/XX/XXXX Statements for the same account. Gaps : XX/XX/XXXX to XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX. 

I have also noticed a pattern of unrecognized transactions usually around the XXXX of every month, which I have not reported to the CFPB as I have been able to resolve them directly with the bank. In retrospect, these transactions are likely just a part of the bigger problem at the bank, It seems that the bank is having to eliminate certain transactions that occur around the XXXX of every month from affecting my account balance and thereby eliminating their requirement to report these transactions on statements keeping me unaware of their occurrence. Back-to-Back Debit transactions for the Incoming Credit transactions are no longer sufficient to hide the banks theft or at the least the facilitation thereof of my income.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Years ago, I closed my checkings and saving account with 5/3rd Bank and thought nothing more of it. Approximately 3 years later, in XXXX, I received a call from a collections agency, XXXX XXXX XXXX XXXX XXXX, that informed me of a debt I had unknowingly incurred after a payment posted to my aforementioned checking account that was closed. After calling 5/3rd and learning that both the debt was legitimate and that it had been sold to a debt collections agency after 5/3rd lost contact with me ( my phone number had changed ). On XX/XX/XXXX I settled with XXXX XXXX XXXX, XXXX for the amount of {$380.00} and obtained documentation proving as much. In subsequent years I would occasionally receive calls from other collection agencies inquiring about my 5/3rd debt, to which I would then showcase my settlement letter and they would go away. 

Fast forward to last month ( XX/XX/XXXX ). I got another call from a collector, name unknown to this day, who, as usual, threatened me with a subpoena. I then went through my usual routine of providing them with my settlement letter, having been given an email address to send documents to : XXXX. This email address didnt work, having received a " return to sender '' email, so I called them back. They gave me a different but similar email address : XXXX. I tried that and got the same " return to sender '' email even after calling back AGAIN and them issuing me the same email address. After further investigation, I noticed that in the first email, I had spelled satisfaction incorrectly in the address. So, in theory, that explains that however, I called and stated that I couldn't get an email to go through to them and the person I talked to stated that if I emailed again they would take me to court for harassment. I responded by inquiring how they got my emails if I had gotten three separate " return to sender '' email for every address they had given me. He denied having the problem so I asked whether there were any attachments to said emails, to which he replied " yes '' and that the processing dept would review them and I would hear back in a week. 

A month elapses and I hear nothing. Having been told I would hear back in follow up but never did, I decided to call to check on the status. Calling the phone number that first called me, XXXX XXXX XXXX XXXX, I was told that the status of my account was " Refusal to Pay '' and that the company in question was in the process of drafting a subpoena for me. 

This was confusing as I had shown the company my settlement letter that had been accepted by at least ten other collections agencies, until this one.I stated as much over the phone. At this point I don't know what to do and I fear that a serious scammer has my information.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (FL)

I requested a {$3500.00} refund from EdFinancial back in XX/XX/XXXX. My loan was fully paid prior to my request ( closed ) and paid after XX/XX/XXXX. EdFinancial stated that there is a 150 day minimum processing time followed by a 10 day wait for a physical check ( even though I paid online ). This could land the refund after the possible forgiveness timeline. Also, I do not receive any confirmations, so I have to call to check up on it. I called today and they stated that it hasnt even been processed yet.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX and Experian are incorrectly reporting an account that doesn't belong to me. The account is not mine. I have reached out the past 90 days to the Bureaus with no response. I am currently preparing myself to file a law suit. I have been a victim of Identity Theft in the past. I provided a certified and signed letter of dispute that was accompanied with police report. Account Name : XXXX XXXX Account number : XXXX Account balance as reported by the bureaus {$900.00}. Under the Fair Credit Reporting Act the Credit Bureaus were to respond to my dispute within 4 Business Days of receipt. They failed to do so. This account needs to be REMOVED and DELETED from my credit. It is ERRONEOUS and truly has hurt my credit worthiness. The Bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Under the FCRA section 609, I asked to be provided the ORIGINAL CONTRACT on File with said Creditor and the Bureaus failed to provide me with it. Thank you for your prompt response to this matter.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It waldo states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for purpose. 

CFPB COMPLAINT
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ND)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ND)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

I was a victim of identity theft due to the OPM breach while I was employed by the FBI. An account with XXXX was opened fraudulently and they sold this account to XXXX XXXX who placed this in collections on my credit report. I have sent my FTC identity theft affidavit, letter from OPM verifying what information was compromised, proof of my identity bearing my signature and a copy of the 605B statute to XXXX, XXXX and all three credit bureaus. I requested that XXXX provide me with proof that I have a contract bearing my signature that I owe them this debt on two occasions in writing. They have failed to provide me with anything bearing my signature. They sent me a statement/bill bearing an address that I have never lived. When they sold this debt to XXXX, I sent the identity theft documentation to all three credit bureaus and to XXXX directly. In a timely manner, XXXX immediately deleted the account from my reports as a collection. However, XXXX refuses to delete this charge off from my credit reports and is claiming this debt is valid despite having no proof of contract with my signature and despite the fact that they sold this debt to XXXX and no longer own this debt. They have claimed that my identity theft is invalid despite the documentation I have provided to them and that payments were made on this account but have provided no proof of any payment bearing my signature.
Consumer complaint received 2018-08-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XX/XX/2018 I received a voice message from debt collector but on my phone their said case has been filed in XXXX County and other phone call to my wife and ex-wife both received calls over child custody case has been filed in XXXX County and to reference this case number when calling. I called number on XX/XX/2018 at XXXX in the XXXX. The person pickup and says my file has been locked and they needed information to unlock it and then proceed to say I owe Ace Cash Express I need to pay before they filed but on voice message they made threats and that person who called yesterday making the threats they did not know who they were I need to take care of this matter. The number called my cell unknown and the number on voice message was ( XXXX ) XXXX.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX without my knowledge and consent removed or deleted a closed Capital One credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for XXXX to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MI)

XXXX XXXX merged with XXXX. Balance was paid to XXXX XXXX when service was canceled, 5+ years ago. Debt collection agencies, keep transferring the false debt back and forth to each other and just changing the amount they say is owed, in order to have it placed on my credit report. I have disputed it each time, and each time it is removed for not being able to provide proof of debt. Credence Resource Mgmt sold it to XXXX XXXX in XXXX, it was removed after disputing it, and they sold it back to Credence Resource as of XX/XX/XXXX. I have attached copies from XXXX showing it being deleted, sold and reported again
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

In XXXX of this year, I was the victim of identity theft. Fortunately, I was able to catch it fairly quick and the fraudster was only able to open up two accounts- a credit card and a personal loan. I was able to very easily work with the credit card company to dispute the account and it was closed in a fast and efficient manner. I filed a police report with XXXX XXXX Police Department at the time of the event. 

A few weeks later, I noticed the personal loan and immediately got in touch with XXXX. I was told they would be unable to do anything until I provided a police report. I attempted to work with them on other options in the meantime to ensure they didn't report this as fraud to experian and the other credit agencies. I was told they are unable to do that and they would not take action until they had a police report that said XXXX on it. I was also told that if I provided a police report case number they could work with XXXX directly to take care of it. 

I went back to the police station, added dignfi to my complaint, and request a copy of the report. XXXX is fairly backed up and I still have not gotten the report. I tried emailing XXXX to work through next steps and gave them the case number. I have sent XXXX unanswered emails since XX/XX/XXXX. 

In the meantime, they have called me to try and get a payment on the loan and have also attempted via the mail. 

Additionally, when experian reached out about my dispute, XXXX reported it as legitimate. 

On top of all of this, I asked XXXX when I was on the phone what kind of XXXX  they conduct and they told me they do not require a copy of an ID to get a loan which I found disturbing. 

Overall, the customer support has been terrible and they still have not resolved this.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (VA)

I contacted the card company to ask about the annual fees. I was informed that I owed {$250.00} for the first year. I asked if there was an option to remove the fee if I didnt activate the card. The representative told me that it could not be waived and I had to use the card every 90 days or the account would be closed and I would owe {$250.00}. I activated the card per their instructions, called back to ask the same question and was told that the previous representative misinformed me. They stated that since I made the purchase I could not have the annual fee waived. I asked if I had the transaction reversed could they cancel the card and they said no. I ended that call. I tried using my card several days later and it was declined. When i contacted the card company they stated that the representative closed my account and they could not reopen it. I requested for it to be escalated and there are not any updates on correcting the issue.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Got a call from XXXX that a loan app was submitted today for a government program for self employed persons affected by Covid issues. I did not apply for it & I want my ID protected. I phoned the agency & told them that I didnt apply for this loan & to delete the application. 

I appreciate your help in this urgent issue.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transuion is not reporting same information has XXXX  ans XXXX  my payment history for a missed payment has been updated and credit score went back up XXXX transuion has not updated my missed payment and its been more than 30days
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC (CA)

Received a call capital debt collector/robert about unpaid dental bill {$360.00}. The call was made yesterday XX/XX/2019 around XXXX XXXX. I was busy when i received the call and i had him on speaker phone. My nieces and a guest heard the whole conversation. Representative/ XXXX was high energetic in degrading me. He said to look myself in the mirror, I'm a liar, he said he was not looking for girlfriend and he was making a business call. All these comments was made in his first call. During this call i said to my niece i need another cell phone to record the conversation and when i came back on the phone he hanged up. I called back and he spoke with XXXX again. His tone of voice changed and stared in the beginning that this was recorded. Automatically blurred out i was cussing him. And hanged. I called again spoke with supervisor/XXXX XXXX. He was so relaxed to say he apologized for his employee znd and he will speak with XXXX. I asked XXXX if he trained his employee to use those degrading statements to collect debts and said no. Then i said to please put a great attention to this matter and provide me a letter with their corrective action plan and XXXX.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (VA)

EOS is attempting to collect a debt from a XXXX XXXX XXXX on behalf of XXXX XXXX. They were allegedly sent my phone number by XXXX XXXX. I have repeatedly ( XXXX times ) received calls from their team. I have repeatedly ( XXXX times ) told them that there is no one here by that name, that I do not know this gentleman, that he is not part of any social or professional networks, and that I have not done business with XXXX XXXX or any affiliated service provider. They deny that I am telling them the truth and keep calling back despite me advising them not to call me again and alerting them to the fact that my phone number is on the Do Not Call Registry. Nothing phases these people. 

If this were not troubling enough, I called XXXX this morning and after a series of transfers was directed to their Fraud department. They have no record of my phone number in their system and do not know how XXXX got my number so there is nothing that they can do to call off these dogs. So clearly there was a mistake made somewhere, but I am now being harassed. 

Anything that you can do to assist would be greatly appreciated. The calls during work are especially problematic as is the obtuse nature with which their employees behave.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

Problem : I have direct deposit from my work to bank institution ( People United Bank ). My deposit is count it very late on the payday. When transaction kick in they charge instantly a fee of {$37.00} and they use all mean to access to others account like saving to take the money out. 

XXXX In-process ACH CREDIT XXXX XXXX XXXX XXXX XXXX XXXX It was XXXX XXXX EST when I decide check the account and status is : in process I send a email to then XXXX EST and their system register : Sent:XX/XX/2018 XXXX CDT Unhappy Customer People United Bank .