davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

In my review of my credit report LVNV FUNDING LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (WV)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Plastiq Inc. (PA)

Hello. This is a follow-up case to a previous CFPB investigation ( case ID XXXX ). Merchant PLASTIQ concluded the previous investigation and agreed to issue me a refund for a failed delivered cheque, whose payment ID was XXXX. In the resolution, Merchant PLASTIQ provided a credit slip but after a prolonged waiting, I have yet to see the refund showing up on my credit card. I contacted my credit card company XXXX, and they claimed they had *NOT* seen any refund in the amount of {$1200.00} incoming to their Visa network, from PLASTIQ. Therefore, I'm raising a follow-up case to investigate the refund process, and if the funds had been sent down to XXXX ( i.e. refunding a charge on my credit card ). I am including the statement copy of XXXX, up to today, for reference. If a credit card refund is not feasible, please mail a check payable to the cardholder, XXXX XXXX, to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX. Alternatively, please direct deposit the refund to my checking account with routing ID XXXX and account number XXXX.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I made a Payment Plan with Citi Bank Collections Department because the account was closed and I wanted to pay me debt off. I am really grateful that they gave me credit. We made an agreement that I would pay {$260.00} every month for 31 months and my debt would be complete and I wouldn't owe any money. They also said that no extra charges including past due balance or interest would be added as long I was still enrolled with the Payment Plan. Today I got an email from the credit bureau saying that there was a change with my Citi Bank XXXX Account. I checked and they added {$200.00} to the amount past due balance. Please help me. Thank you and have a great day.
Consumer complaint received 2019-01-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.
Consumer complaint received 2019-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.
Consumer complaint received 2023-03-18
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. (TN)

Delete account immediately 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, # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the item, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I have a credit card with Citi Bank. In XXXX of XXXX, I received a postcard from Citi with an exclusive offer to cardmembers. It said I could earn a {XXXX} cash bonus if I opened a new High Yield checking account. I had to open a new Citi Elevate Interest Checking Account during the " Offer Period '' of XX/XX/XXXX to XX/XX/XXXX. The Checking account had to maintain a minimum balance of XXXX for 60 consecutive calendar days from the date the Minimum Deposit was met. If these requirements were met, the XXXX cash bonus was to be credited to the account within ninety calendar days from the date the required activities were met. 

I opened a Citi Elevate Interest Checking Account on XX/XX/XXXX. I deposited {XXXX} from a money market account at XXXX XXXX. The full amount of the initial deposit has remained there to this day. I never received my XXXX cash bonus. On or about XX/XX/XXXX I called to inquire why I had not received my cash bonus. I was told that I met the requirement of maintaining a {$5000.00} balance on XX/XX/XXXX. I was told that I definitely was entitled to the {XXXX}, but that Citi Bank had 90 days from XX/XX/XXXX to deposit the money. I was told by a person named XXXX, that the {XXXX} would be deposited into my account by the end of the day on XX/XX/XXXX. The money was never deposited. I called Citi again on XX/XX/XXXX. They could not give me any answers, but opened a " Service Request '', and the matter was supposed to be resolved within 5 business days XXXX XX/XX/XXXX ). I have heard nothing back from Citi, and they have not deposited the XXXX
Consumer complaint received 2018-05-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

in inquiry by the name of XXXX on XX/XX/2018 appeared on my XXXX credit report,, that i didn't authorized. i called and disputed it a let them know it was a fraudulent inquiry and once the investigation was done they mailed me the results saying the inquiry has been removed. i checked my credit report and it was still showing. i called them back and told them i was still on there they said they had to dispute it again. they did it again mailed me dispute papers saying it had been removed but i checked again and it is still showing.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I did my income tax return for XX/XX/XXXX, in XX/XX/XXXX this year. The IRS sent me a check for {$6000.00}. I deposited the check via electronically with my bank ( USAA ) at the beginning of XX/XX/XXXX. The check cleared and the funds were added to my account. After confirming that the funds were secure by checking my account, I wrote " void '' and the conformation number across the check. On XX/XX/XXXX, my wife alerted me about money missing from our account. I panicked and called my bank ( USAA ) to investigate.

The first customer service rep that I talked with told me that the money was pulled from my account because some of the numbers on the check was blurry. She stated that I could try to rescan the check. I told her that I have voided the check once the funds were in my account. She suggested that I mail in the check with a letter stating why it has been voided, or I should contact the IRS and ask for assistance.

I contacted the IRS, who advised me to handle the situation with my bank ( USAA ) because if they start their process it would take at least three weeks to resolve the problem.

I contacted my bank again. The second rep claimed that they could not do anything because the check was voided. I explained to her, that the funds were in my account for over a month, and they know why the check was voided. Her attitude was already nasty, as I explained her answer was different from the other rep that I talked to. I asked to speak with a supervisor.

I was put on hold until a supervisor was contacted. The supervisor talked with more clarity. She explained the situation and said that the only way to resolve the issue was through the IRS. I explained that I felt very disappointed about the situation and the treatment that I was given. I also explained that I am a XXXX United States soldier who was depending on the funds to help me XXXX from the military. I also explained that I do not think it was fair that no one had contacted me before taking funds out of my account that had been there for over a month. Instead of an apology, she tried to shift the conversation to try to sell me some assistance transitioning program advertisement. I politely declined, then contacted the IRS.
Consumer complaint received 2018-11-22
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: Experian Information Solutions Inc. (TX)

I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
Consumer complaint received 2022-07-26
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. (DC)

I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX XXXX provide the documentation that verifies and matches the exact balance that is being reported. 

Acct. XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AE)

XXXX XXXX XXXX is reporting a collection account on my equifax credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.
Consumer complaint received 2018-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I have filed a complaint a month ago with XXXX XXXX Edfinancial is now currently holding the loan. But Ed financial had the loan first before XXXX XXXX. It's back with them they got my loan from XXXX who got sued for there repayment procedures and now XXXX is no longer around the letter I received this year from Edfinancial telling me they got my long from XXXX and my payment was rolled over to them. I have not made any payments to XXXX since XX/XX/2010.my account has been closed since then .That was untrue statement from Edfinancial also in the same letter they said XXXX gave them the approval to get my loan from XXXX and I was not with XXXX I was with XXXX edfinancial are connected to the same bank that XXXX  was.
Consumer complaint received 2019-09-05
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: Experian Information Solutions Inc. (MO)

I have filed disputes with Experian on a few different accounts that werent mine. After going through great lengths to try to prove why the account shouldnt be on my credit report, Experian refuses to do anything. The same accounts were disputed from the other reporting companies and removed. I feel like they put zero effort into getting facts, or protecting me from fraudulent activity. Within a matter of a day or two I received notification that their investigation was done! How can they do a thorough investigation in that time frame?? They leave past diehard hits on my credit report-past the 2year Mark. I was also informed by them once that I couldnt dispute the same thing without new documents and even then I need to wait 30days. I feel they are workin with the creditors and against the people. This last dispute I filed with CFPB because they were refusing to remove it, even though XXXX XXXX had. The company responded to remove it, yet its still reflecting on my credit report. I was just denied a business credit card because of it ( I thought it had been removed when I applied ) so now I have another hard hit and denial because of the false reporting of a bad account and the number of credit hits Ive had. Something needs to be done with them. They our branch to other countries when you call in to speak with someone. You cant even understand them and they are rude and unhelpful. The XXXX agreed to remove the same account wehadto complain about with a different reporting agency. They just sold it. So this is 2x with the same account. If they had really investigated they would have seen that. Why does XXXX figure it out but they cant? This account was closed with our CFPB complaint. It should have been removed by now.
Consumer complaint received 2018-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I began working for a XXXX hospital after graduating college in XX/XX/XXXX. I submitted my first employment certification form ( ECF ) in the summer of XX/XX/XXXX for the Public Service Loan Forgivement ( PSLF ). The ECF was approved, the qualifying payment count was appropriate, and my loans were transferred to XXXX XXXX. In the summer of XX/XX/XXXX, I submitted my second ECF at the recommendation of XXXX XXXX to submit an annual ECF. I received a determination on my XX/XX/XXXX ECF with what I believe to be an inaccurate qualifying payment count. I called XXXX XXXX at the end of XX/XX/XXXX and was told by a representative that a manual review would need to be performed which typically takes 3 months. Today ( XX/XX/XXXX ),  approximately 4 months after that initial call, I had yet to hear back on the results of the review. I called XXXX XXXX   for an update and new estimated time I could expect to receive a decision. I was told by the representative that she did see the request I submitted in XX/XX/XXXX, it was still under review, and at this time they do not provide an estimate of when the review will be complete because it could be more than a year. When I asked for clarification regarding the annual ECF and if this would at least be resolved when I submit an ECF in the summer of XX/XX/XXXX, she reported that annual ECF certifications are only reviewed for qualifying payments made from the last time an ECF was submitted despite having the same date of employment start listed for each ECF. Thus, this problem will continue to compound year after year with the expectation that I as the consumer may never hear back about my manual review.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

Bank of America is reporting a collection account on my XXXX credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.
Consumer complaint received 2018-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CO)

I have been getting about 10-15 calls a week anywhere between XXXX XXXX and XXXX XXXX  from Midlands Credit Bureau for 6-8 months, to which I have requested to all of them to send me a debt verification letter which I still have not been sent. I have been given no information about the original debt amount which is significantly less than the amount they are requesting ( which is why I have repeatedly asked for a debt vertification ). I've requested that they only contact me in writing and that they send me a debt verification before I continue any negotiations with them, which has been completely disregarded. When I state that I am not interested in speaking on the phone until I get a vertification, the agents get hostile and aggressive, refusing to allow me off the call even when I make it clear I can not be on my phone/have my phone ringing during work. Its become extremely harrassing.
Consumer complaint received 2018-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC (CA)

XXXX XXXX XXXX is calling not only my number, but also the numbers of relatives. This is not acceptable. They are calling from XXXX XXXX XXXX and leaving a call back number of XXXX XXXX XXXX. The message says it is regarding a debt. I have no knowledge of anything owed to this company ( I may have some other debts but I don't know about this one ).
Consumer complaint received 2020-09-23
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: Experian Information Solutions Inc. (NY)

Date XX/XX/2020 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : EXPERIAN Alleged account # ( 1 ) XXXX  Creditor XXXX, account type : Revolving. ( 2 ) XXXX Creditor XXXX XXXX XXXX, account type Revolving. ( 3 ) 15 Creditor XXXX  XXXX XXXX account type revolving. ( 4 )  XXXX Creditor XXXX, account type revolving. ( 5 ) XXXX creditor XXXX XXXX, account type revolving. ( 6 ) XXXX XXXX XXXX XXXX  account type revolving. ( 7 ) XXXX Creditor XXXX XXXX XXXX, account type revolving