davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (CA)

This is for equipment that is obsolete for XXXX that was stolen while in the box put out for XXXX and was so far back it should not even be on the collections anymore not to mention I never entered into any contract with XXXX. XXXX. It was removed from my credit reports but XXXX continues to allow it to stay for some reason.
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC (OK)

The loan companies Omni, XXXX, XXXX XXXX  and XXXX XXXX too allotments out keeping me financially Crippled. Beginning in XXXX to XXXX. I will attach the credit report b
Consumer complaint received 2020-06-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (KY)

XXXX XXXX XXXX ( XXXX ) has recently placed derogatory information on my Credit Bureaus. This information was removed prior to under another Kansas-based collection agency by the name of XXXX XXXX XXXX/Collections for an original debt with a vendor named Speedy Cash. 
Back about 3 months ago, the XXXX XXXX/Speedy Cash collections account was removed after putting in a dispute and providing the necessary and requested information to verify my identity as to whom I am and the US Postal service in XXXX, TX, which reflected the PO Box used to commit the fraud was in fact a noted address used for an ID Theft scheme and fraud. I signed notarized statements to this effect and was informed the Speedy Cash issue was resolved with its collections removal. 
For XXXX now to have purchased the account and have not contacted me, even though I have resolved this matter, has shown bad faith and a deterrence to resolve this matter without any further need for resolution. It is believed that this re-victimization is a ploy to aggravate and force me into paying a debt that I do not owe nor is my debt specifically due to ID Theft from the time period all of this previously occurred.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I first contacted Venmo on XX/XX/2023 and asked them to help with my account because I was getting an error code. They told me to Waite 24 hours and it would work I waited more than 2 weeks and it has still not worked. Ive asked them if there was an outage they said no but another representative there said there was. I have funds in my account that I cant access and they basically told me theres nothing they can do for me and all I can do is Waite and see if one day that it might work. The money on the account was used for bills and such and now Im over drafted and have late fees and so on.
Consumer complaint received 2023-04-04
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. (TX)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the correction of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-07
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. (WA)

On XX/XX/XXXX my Mortgage Lender drew a Credit Report on my application for a Home Mortgage ( Att. p. 1-2 ). Contained in that report were 9 account that I Disputed with Experian ( XP ) and dated XX/XX/XXXX ( p. 3 ). I then received the Dispute Results Report # XXXX for XX/XX/XXXX from XP Stating : XXXX XXXX PLEASE CONTACT CREDIT GRANTER AT - XXXX - DISPUTED ITEM NOT LISTED ON CREDIT REPORT. ( p. 4 ) On reading this I sent a second letter to XP on XX/XX/XXXX where I demonstrated that in fact this account was reporting on XX/XX/XXXX ( p. 5 ). Where I wrote : Experians statement of it was either not appearing in your credit file or it already reflected the requested status is clearly False. Which clearly demonstrates that no Reinvestigation was completed within the 30 days provided for in 15 U.S. Code 1681i. Therefore, I Demand that both accounts listed here be permanently Deleted from your files with prejudice. With a copy of the original Mortgage Credit Report demonstrating that XP was in fact reporting the account on XX/XX/XXXX ( p. 6 ). 

In response XP then sent me yet another : Dispute Results Report # XXXX for XX/XX/XXXX. Where on pages 3 & 4 XP now clearly demonstrates XXXX Partial Acct # XXXX Before dispute - After dispute. Indicating that in fact the account does exist in their file. Also demonstrating that they are in clear violation of, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information, by failing to Investigate the account prior to Dispute Results Report # XXXX for XX/XX/XXXX. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

Which is also demonstrated by : CFPB Consumer Reporting Examination Procedures Larger Participants 4. Systems and Procedures Review. ( p. 7 ) Which grants the CFPB both the Authority and Responsibility for the Examination, Review and Regulation of XPs failure to follow, 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates LLC keeps calling my job hanging up on me. They call and wait until I finish my greeting adding my name at the end and hang up on me. This has been happening for at least a couple of months ( a few times a week ), but I didn't know that they were calling for me at first. On XX/XX/2019 at XXXX XXXX I looked up the company 's name and number out of curiosity and found out that they are a collection agency handling an account I had with XXXX XXXX for a little over {$500.00}. They would not tell me who the original creditor was or give me any other information. I did provide them with my bankruptcy case # XXXX and expressed my complaints and concerns about them harrassing me by repeatedly calling me at work and hanging up on me. I was told by the agent I spoke with that it would not happen again and she apologized. Unfortunately I just received another call around XXXX XXXX today at work and again once I finished my greeting and gave the caller my name they hung up on me.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

portfolio recovery associates keeps calling me in regards to a fraudulant account. I sent them a certified letter stating that this account does not belong to me and that I have no account or contract with them. they threatening to take monies out of my bank account. they went into my credit file and got my banking account number and threatening me that they would deduct monies from my account. this is surely against the FCRA laws. I sent the credit bureaus certified letters as well, telling them these fraudulant accounts do not belong to me and they said that these accounts were verified and i ask them to send me proof and they did not send me anything. they are going by some collection company who purchase these fraudulant accounts from the credit bureaus.
Consumer complaint received 2019-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

i have sent copies of my XXXX XXXX XXXX to i c systems and the credtor is XXXX XXXX XXXX XXXX  for XXXX which is 100 % paid for by the XXXX XXXX  and i have sent them everything and they still won't take it off my credit report and it was opened on XX/XX/XXXX XXXXand it was reported on XX/XX/XXXX i need it taken off my XXXX credit
Consumer complaint received 2019-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Today I received a follow up call to the complaint : XXXX The person identified herself as XXXX, employee # XXXX from the executive office. She stated that the purchase dispute was initiated however she wouldn't provide me with any case number or standard statement that the purchase will be put on hold pending investigation. When confronted by this message she informed me that I will be contacted by dispute dept in writing within unspecified period of time. When I confronted her that this way of dispute handling means that the dispute actually was not initiated she acknowledged that it is not her dept to start the process and as result I request to be put in touch with dispute dept immediately. Subsequently I was again put on the over 20 min hold without any dispute dept coming online.

Analysis : It is obvious that Capital One is refusing to make the dispute purchase process available to the card members despite two phone calls and over 45 min spent in doing just that. The CSR XXXX acknowledged the issue stating that it is beyond Capital One 's control. No it isn't as Capital One is a multi-billion corporations with enough resources to address it in both technology and manpower. It is a deliberate effort by Capital One to deny or at least delay the process thus the suggestion that the dispute to take place by letter and not on the phone. 
I expect CFPB to put sanctions on the bank as this deceptive way of doing business is simply unacceptable and defrauds consumers.

One question can be posed : how much time and how many attempts at purchase dispute are considered appropriate so the company fulfills its responsibility under the card members ' T & Cs?
Consumer complaint received 2019-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (PA)

To whom it may concern, I am very distressed having to write this letter but I see no other way to resolve this issue. On XX/XX/XXXX I decided to get a loan to pay off my credit cards. My Barclay card was to be paid off at XXXX dollars. The bank distributed the checks to the various creditors ; I provide the statement payment stubs with the corresponding envelopes. Somehow the Barclay payment never made it were it was going. All payments were made with official bank checks. When I received my XX/XX/XXXX bill from Barclay I noticed the {$3100.00} payment was not there. I just figured it had not posted yet. When I got my XX/XX/XXXX bill and it still hadn't posted I contacted my bank they retrieved the canceled check and called Barclay. The bank has faxed and emailed the canceled check to Barclay several times. Barclay finally came up with the answer that the check had gone to the wrong bank, were some of their accounts had been sold too. The bank and I have been calling Barclay Almost every week to no avail. I was told in XX/XX/XXXX when the investigation started I would not be charged late fees or interest until the matter was solved. I on XX/XX/XXXX and XX/XX/XXXXBarclay called 5 to 6 times I returned their called assuming they were going to tell me the problem was solved, they informed me I owed them a XXXX past due payment .I informed them as far as I was concerned they were paid off I have a canceled check made out to Barclay . We have been dealing with this since XX/XX/XXXX every time you call them you get someone different to speak too, the last supervisor I spoke to tried to get a specialist to speak to me, he was told none were available. I really need help resolving this matter ; it is putting a strain on my mental health and my marriage Thank you for your time, XXXX XXXX
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-07
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. (LA)

I am a victim of identity theft someone has fraud accounts in my name. I do not know if i was involved in a data breach were my personal info was compromised.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (ID)

Received a voicemail message on XX/XX/XXXX from XXXX XXXX from a county process server division. Was told to call XXXX and that I have been notified. I called back on XX/XX/XXXX and she said this was a old debt with orchard bank. So I asked if they could send a digital copy of this and she said no, that they had sent me a letter back in XX/XX/2023. I never received any letter in XXXX about this matter. Not even sure who I was talking to on the phone. Never stated what the Firm name she worked for. Never told me I could dispute this debt or if it was a time-barred debt. Never gave me name of collector or even a address to where I could dispute.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

I applied for a secured Discover Credit card and was approved. On XX/XX/20, {$300.00} was taken out of my credit union as a security deposit for this new card. Before I received the card, Discover canceled the card and kept my {$300.00}. I have written several times to Discover and have never received any response nor return of my {$300.00} security deposit.
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX  on several occasions with email, phone, and mail no response. I have reached out to HRRG as well. I have been insured for over twenty years and this should have been already paid. I reached out to my insurance company, and they said it was paid.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

THIS IS MY 2ND REQUEST TO HEAD MERCANTILE CO INC about a alleged debt of XXXX that i don't owe. my first response was XX/XX/2021 in which they didn't respond and this was my last request about this inaccurate item on XX/XX/2021, which they has not answered.they have violated 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. As well as 15 usc 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2023-04-04
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
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. (FL)

Hello, I am writing this letter in order to clarify the situation where I do not recognize none of these accounts. Please check it and remove as maybe somebody used my name or my personal data. I do not know how they appear in my report.
Consumer complaint received 2020-12-17
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: CREDIT ACCEPTANCE CORPORATION (NJ)

I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Consumer complaint received 2019-09-24
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: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX XXXX original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.