davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
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. (CA)

XXXX XXXX XXXX is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (NH)

I have an account from a debt collector named XXXX XXXX XXXX that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX  XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX credit cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX  XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX  XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

During the pandemic, I paid about XXXX on my student loan. The whole time, my next payment due was XX/XX/2024 and the payment amount was XXXX because I am low income. Now that we are in repayment, I applied and was approved for the SAVE payment plan authorized through the federal website, www.studentaid.gov. 

Nelnet, my servicer, changed me out of the income driven repayment ( IDR ) program into a regular student loan program and wrote that I need to pay XXXX before approving the SAVE program. 

Now., I can't talk to Nelnet because the line is always busy. Please advise
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

My personal checking account was closed by Chase Bank because I had a business deposit into my personal account they told me they was going to close the account and mail me a check with the funds, they did close the account but I havent got any mail from them and this happened over a month ago
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (VA)

Dear Sirs and, or Madams : Thank you all for your time. 

I had been using the American Express prepaid " Serve '' card ending in XXXX for several years. On XX/XX/2019 I loaded it with my cash : {$1500.00}. On XXXX AMX cancelled the card, keptStole my money, citing a vague fraud clause in their policy and procedures. 

AMEX has not stated beyond the clause what they believe I did to be deemed fraudulent. 

When I called them, they would not give me any answers nor would they let me speak with the department that made the bogus fraud determination. 

I have done nothing fraudulent with their card. 

AMX has previously been in hot water with the CFPB for similar if not the exact arbitrary, unfair business practices. 

It has been almost nine months, close to a year with no resolution. I really need my money!!!! 

Thank you all again, XXXX.
Consumer complaint received 2019-10-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery associates is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Our mortgage was transferred from XXXX XXXX XXXX to Loancare on XX/XX/19. Previously, our autopayment of {$2200.00} with XXXX XXXX XXXX  was taken out of our savings account on the 1st of every month. When Loancare had not withdrawn the auto payment by XX/XX/19, I mailed a physical check from my checking account to pay our XXXX mortgage. On XX/XX/19 Loancare tried to process our autopayment. Because the funds were not available in the account we were charged a {$30.00} NSF fee. I moved money to the account to make sure it would not be overdrawn again. Two days later Loancare retried the autopayment on XX/XX/19 and the funds were taken out of our account. In addition, on XX/XX/19 Loancare cashed the physical check I mailed. However, only one of these payments posted to our loancare account. In the past two months, we have been trying to contact customer service to identify which payment posted to our account and request a refund of the payment that did not post. We have made 5 phone calls to loancare ( XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 ) and spent approximately 1 hr and 15 minutes on the phone with customer service. We have also sent four separate e-mails to payment research as requested by customer service reps with documentation showing that both payments were withdrawn ( e-mails sent XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 ). As of today XX/XX/19, Loancare has still not been able to tell us which payment posted to our account ( the auto payment or the check ) and has not refunded us nor applied the missing payment to our account. We have also been lied to, being told a check was mailed to us, when in fact someone else told us the next week that it was not. We just want the money that is ours either refunded or applied to our account.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
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. (CA)

When I review my credit report, I see that the same accounts were erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00}
Consumer complaint received 2019-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX {$45.00} on XXXX went to the wrong person ( complete stranger ). On XX/XX/XXXX the bank was contacted to send the money to the correct person the phone number was one digit off. The bank said it would take 10 days to correct but never corrected it. Now XX/XX/XXXX they are saying they can't do anything about it.
Consumer complaint received 2020-06-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX  , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

A certified letter was mailed to XXXX XXXX XXXX, XXXX. in XX/XX/XXXX requesting debt validation for an account they allege I owe. I am disputing this account, in addition, their office neglected to provide any information reflecting the ownership of this alleged account while sending information with a different alleged account number than what they are claiming I owe. 

The document I received from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX consisted of 19 pages,14 of those pages was a copy of a Revised Card Agreement. Please note, this Revised Card Agreement is generic with no dates to show when the agreement was revised, any affiliation I have to this Revised Card Agreement. In addition, this office neglected to provide validation pertaining to me agreeing to the Revised Card Agreement. There were three ( 3 ) pages of a XXXX XXXX XXXX  Credit Card Statement. The first statement shows a different account number this office alleges I owe. How is the alleged debt validated when the information this office provided isn't what they are reporting on my credit report? XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. 's claim to have validated a debt with different account information than what they are reporting. 

Page 3 -Statement 1 - XX/XX/XXXX - XX/XX/XXXX - different account number Page 4 - Statement 2 - XX/XX/XXXX - XX/XX/XXXX Page 5 - Statement 3 - XX/XX/XXXX - XX/XX/XXXX To simplify, the documents received do not match what this office is reporting, despite them reporting to CFPB they validated the alleged debt, which is false. This office sent 3 different statements for two ( 2 ) different alleged credit card accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX. has claimed this alleged debt belongs to me without validation. The items requested by me are as follows : copies of an agreement that grants XXXX XXXX XXXX, XXXX. and LVNV Funding LLC to collect this alleged debt // a signed agreement with my wet signature made with LVNV Funding LLC or XXXX XXXX XXXX XXXX  XXXX XXXX or other verifiable proof I have a contractual obligation to pay this alleged debt. I also requested copies of all statements while this alleged debt was open, the exact date alleged debt was open, the exact date alleged debt first became delinquent and copies of all payment history/payment methods for this alleged debt. All of which their office failed to provide. 

Attached is the 19-page document I received from XXXX & XXXX XXXX XXXX. 's office. 

I have the right to have accurate, true and correct information reported to my credit profile and to consumer reporting agencies. As it stands they have not provided anything that shows any type of contractual agreement of this alleged debt.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Thursday XX/XX/XXXX, after checking my Spark Card  Statement, I noticed an interest charge of {$120.00} which posted on XX/XX/XXXX. I paid this card in full on XX/XX/XXXX which posted to my Spark Card on the XXXX of XXXX. I called Capital One and spoke with a representative after noticing this charge. I was immediately informed the Interest fee was incorrectly charged and I would be credited. She input the request and it was approved. 

The next day I decided to check my other credit card Venture through Capital One and I then noticed a charge for interest in the amount of {$120.00} which posted on XX/XX/XXXX. This card was paid in full on XX/XX/XXXX and remained to have a {$0.00} balance as any new charges were being paid in full and at once. 

I called Capital One and spoke with XXXX. I was then informed this fee was accrued due to the balance that was present before XX/XX/XXXX before the card went to a {$0.00} Balance. This was for the billing period of XX/XX/XXXX through XX/XX/XXXX. After explaining to XXXX about the outcome of my Spark Card, she stated that she would put in a request to have the interest fee waived and she immediately received an answer with it being denied. I then asked for a supervisor and she transferred me to XXXX I.D # XXXX. 

Spoke with XXXX ( Supervisor ) and I explained the two different outcomes of each card with the interest fee. How is one credited and the other one isn't. Considering the Venture card had been at a {$0.00} balance since the XXXX of XXXX and the Spark Card was at a {$0.00} balance since the XXXX of XXXX why was one interest fee waived and not the other. I was then told by XXXX the Venture card did not have the same option the Spark Card had to request a waiver for the interest fee. Again confused by this, I reminded her the rep I had just spoken with did in fact request an interest waiver and was denied. I informed her that both cards do have the option but only one was approved. I made the following statement to her, " Both cards have that option as your representative tried to request the interest fee waiver on my Venture card, which in turn tells me that both cards have the option to request an interest waiver, so this isn't about not having the option on my XXXX card because clearly your rep just tried to put one through. This is about it not being approved which brings me back to if my Spark Card Interest fee was waived with the clear understanding of the representative stating the interest fee was charged in error, then why not the same with my Venture, considering it was at a {$0.00} balance prior to my Spark card being at a {$0.00} balance. 

I asked if she had anyone above her to whom I could speak with and was told she was the only higher up person. So I informed her at this point I had no choice but to place a complaint with the CFPB. She and the rep previous to her stated that they would note the account.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

XXXX XXXX XXXX Our records indicate that the {$3800.00} was denied, since it shows that the transactions were made through a secured online banking session by the customer or someone, they gave authorization to. 


This claim was denied because the company said that I gave authorization to someone to make this payment. However, this is false. I filed a police report on it when this happened and even paid to do a lie detector test showing that I didn't give authorization for it. 

When I called the bank, I was told that all the XXXX accounts that the money was sent to has been XXXX, and I was not tied to any of the emails registered under their XXXX. My personal information was leak leading to someone sending the money from my bank. However, this does not mean that I ever gave anyone permission to do so. Please look into the recipients and do an investigation on their accounts to prove my innocence.
Consumer complaint received 2019-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I HAVE 2 UNKNOWN COLLECTION ACCOUNTS ON MY CREDIT. I DONT KNOW WHAT THEY ARE FOR BUT THE ACCOUNTS ARE NOT MINE. I WAS NOT CONTACTED BEFORE THE ACCOUNTS WERE PLACED ON MY CREDIT.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (TX)

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
Consumer complaint received 2019-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MA)

I received a call on XX/XX/2019, on my cell phone from COMENITY BANK, looking for MY SISTER, who lives in a different state and has a different last name. 

The caller, " Miss XXXX '' insisted that my name was on my sister 's records as a contact ( false ), and that it was urgent that I give her number to my sister, and that my sister call her before XXXX. 
" Miss XXXX '' called from XXXX. She said her callback number was XXXX, xXXXX. 

I have XXXX their number, and read MANY MANY MANY MANY MANY MANY complaints about this bank, the same number, same callback number, same tactics, and also people saying the bank was calling to reach their sister. 

Here 's one response : " You can thank the internet. They list all sorts of outdated information and people that you know ( even though you never heard of them or met them ). These crooks use that information to scam people. This is a debt collection extortion scam. 
One of the tricks they use is to call your family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money. They often call people that have never even been associated with you because they get erroneous information off of the internet. '' THIS HARRASSMENT HAS GOT TO STOP!!!! 
I spoke with my sister who has a very clean record of payments, has few to no credit cards, and I warned her to get a free credit report to see if this horrible company put something on her report. I will block this company 's number on my phone, and she will do the same. 

PLEASE TAKE ACTION SINCE I AM NOT ALONE!!!