davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (IA)

Beginning XX/XX/XXXX-XX/XX/XXXX I made many attempts to correct this error reporting on my credit files with the 3 Credit Bureaus & was unsuccessful because my dispute results with the Bureaus came back as verified by the furnisher of the account within the last 6 months. So I decided to reach out to this creditor in XX/XX/XXXX & XX/XX/XXXX by sending them a Debt Validation Letter but they on both occasions sent me what looks like a contract with a typed name on it. Im disputing this because I never a had relationship with the collection agency nor the original creditor. They havent provided me with any viable piece of evidence that proves that I owe this debt, not a SIGNED contract with my signature on it or agreement to pay the said debt. I also would like to add that my identity was stolen & used on several occasions because I had lost my wallet on public transportation between the years of XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (OH)

XXXX arbitrarily and arbitrarily used payment terms to seize customer funds, sent consultation emails without replying, and the customer service team ignored customers. They advertised that they would review the account within one working day, but this was not done. When deactivating the account, it was said that funds would be released within 90 days, but this was never done. I hope that with the intervention of the CFPB, my funds can be released as soon as possible. Thank you.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I reported identity theft fraud to XXXX XXXX XXXX XXXXXXXX and they refuse to remove the fraud from my name and from the credit bureaus.
Consumer complaint received 2020-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Consumer complaint received 2019-01-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I'm talking to XXXX XXXX from Experian asking him to dispute a closed account from XXXX XXXX XXXX # XXXX and he is refusing.
Consumer complaint received 2019-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

In XX/XX/XXXX, our home mortgage was sold to a service provider named SPS ( Select Portfolio Servicing ). On XX/XX/XXXX, we sent the company notification via phone, fax and upload to their website that we elected to pay property taxes directly to the municipality. We did not give consent for SPS to escrow in anticipation of the next quarterly tax payment that is due on XX/XX/XXXX. 

In response to our call, fax and uploaded document, we received verbal ( recorded ) acknowledgment by a representative named XXXX XXXX on XX/XX/XXXX at XXXX that SPS would NOT escrow our taxes. However, SPS sent out payment for taxes to our municipality at some point prior to our conversation with SPS representative named XXXX on XX/XX/XXXX at XXXX. The due date for taxes is XX/XX/XXXX. We spoke with XXXX and she confirmed that a payment in fact had been made without our consent ( recorded ). She suggested that we go to the municipality and ask them to reject the payment ( which put the responsibility on us to correct an error made by SPS ). She also told us that we could " just pay them ( SPS ) back '' ( recorded ) to correct the error. 

We are filing an official complaint and want restorative action taken to correct this matter.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

In connection with my purchase of a new home, I entered into a loan agreement with OneWest Bank, a division of CIT Bank, N.A. In order to benefit from a small rate reduction, I agreed to setup automatic payments from my CIT account ( CIT is a  division of OneWest ). My first mortgage payment is not due until XX/XX/2019, however, OneWest withdrew funds from my account on XX/XX/2019. I did not request nor approve OneWest withdrawing these funds. I called OneWest to resolve the issue and I was told they would credit these amounts to my XXXX payment. This is not an acceptable resolution as the effect of such a correction would be my providing OneWest an interest free loan of $ XXXX, and, in addition, I would lose any interest I would have earned on the $ XXXX during XXXX. For these reasons, I advised this solution would not work for me. OneWest did not offer any other solution. 

I can not believe that a lender has discretion to reach into a borrower 's bank account, without the borrower 's knowledge or consent, withdraw funds that are not due under the loan and then refuse to correct the " mistake '' in a manner that makes the borrower whole.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-04-13
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: U.S. BANCORP (CA)

an Enitity pressured me to give them a credit card although they agreed to a cash amount for a service that i paid them with a Money Order in advance of getting service. they charged me excessively & I was advised to report to the Credit Card Co. 
I did they took my statement - got the Entity statement & disagreed with me. however to overt this Business from charging more & claiming more false narrative I told U.S. Bank / Smith ' to closed the account. 
i continued to pay a monthly balance while closed & while his matter was in litigation. 
in calling U.S.Bank because i received something that I could get a higher credit i found that this account was not closed. 
In that conversation i was assured it was going to be closed. 
Periodically I asked XXXX for a Credit Score ( see file I took them to Federal Court & Settled ) they would not provide a Credit Score without money. 
In talking to an Advisor about selling my home well before the current Seller Issue she told me that I could sell " handsomely -but that i could not get a mortgage-because my credit score dropped to the XXXX ' with XXXX XXXX XXXX. 
She said that she determined that I lost a 100 plus points due to this closing of this account. 
When I recontacted U.S.Bank they said they wouldr e-investigate this Fraudbut determined that it was to late. Not late enough to be filed in court. 
They ultimately told me that I would have to re-apply for a credit card. my advisor said that would only lead to a lowering of my Credit Score -- -- -- -- more! 
I've been back & forth with u.s. bank to include Fax ' ( XX/XX/XXXX & XXXX ) so i have a record. U.S. Bank set another form letter /no name -- to re-apply. I did but I could not get a copy of my application- for the record! 
This is costing me a record profit amount on my home. 
The last statement again was not received -- i called & got an amount due & mailed it in without a statement -- to avoid being late. 
Advisor said they should just re-open & set up a different credit card number Like to have this huge Real Estate profit to pay off debt to include this-balance -in buying something smaller.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — Store credit 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 (NV)

On XX/XX/18 I ordered an item from Kohls in the amount of {$50.00}. Order number:XXXX. I realized when I got the email of order confirmation that the address on file was an old address of about 2 years ago. I then called Kohls to inform them and they advised when I got the tracking number to call them and they would intercept the package and have it delivered to my new address. When she came back to the phone after placing me on hold she told me the package had been intercepted and I would be receiving a follow up email. When I got the email it said I had to contact the person now living in my old house like I am supposed to know who lives there. Long story short, I never received the item and was mislead by Kohls saying the matter has been taken care of which it never was. So now I am responsible for paying for an item I never received.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants Acceptance Corp (ID)

Merchant acceptance is calling my employer, demanding my bank account number, and making threats to have my wages garnished over a debt that is not mine. I have talked to the company several times and they are making no effort in trying to help the situation or come up with a resolution. They call me on average 3-5 time daily. .. I've asked that they not phone me, and to contact me only by mail. That has not stopped the harassing phone calls.
Consumer complaint received 2018-02-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery has been listed as an installment loan on my credit report. PRA is not an installment loan company and I have never held an installment loan with PRA. 


I have contacted PRA several times about this issue and they claim that the consumer reporting agency is responsible for this error. I have reached out to XXXX  several times and they responded that the company has no control over the information published by a reporting company and that it is PRA 's responsibility to report correct information.

This is a known issue and tactic with PRA. Several complaints have been filed against PRA for this same issue.

I have mailed 3 certified mail letters to PRA about this issue and have never received a response or correction
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (WV)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-11-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NAVY FEDERAL CREDIT UNION (TX)

After several weeks of money being in my checking and savings account with Navy Federal, there was a random adjustment on my account which left me with a balance of {$0.00}. When calling to clarify why this occurred I was told that it was due to a charged off student loan. When I asked about more information on this student loan I had no record of on my Navy Federal account page or credit report, the representative said the only way they've tried to contact myself and my cosigners is through phone. Neither my cosigners or myself have received any  phone calls about this particular loan, given I am still in college, so there was confusion why I needed to start paying back the loan while I was still in school anyways. The representative hung up in my face when she couldn't provide the proper answers to my questions about this loan I have no record of. I asked for a reported fraud and investigation in a later phone call back. On XX/XX/XXXX I received my paycheck but noticed that when checking my account, it was adjusted again and my entire paycheck was gone. I called Navy Federal that morning informing them that the money adjusted was for my rent and car note and needed to be reversed because I did not authorize anyone to deduct from my Navy Federal account. I was transferred to the private loan company in which they informed me that 1 ) They would not reverse the transaction 2 ) They acknowledged that they had notes that I wanted an investigation for fraud, yet did not follow through and 3 ) They would continue to pull all funds deposited into my Navy Federal account although authorized to stop. Through all phone calls I have yet to be updated about this private student loan, they have yet to give me a remaining balance or loan number, and they refuse to help me understand why representatives cant give me any information about the loan other than its charged off.
Consumer complaint received 2022-07-17
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. (MI)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-24
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: Experian Information Solutions Inc. (MI)

I called Experian spoke with XXXX in Disputes twice with no resolution. 

I asked does filing a dispute affect your report before the dispute is settled. XXXX told that the question was out of his scope and his Supervisor would not come to the phone as it was out of their scope as well. XXXX transferred me to Experians membership department because according to him they're the only department who can answer question regarding what affects scores.

At the membership department I asked the same question 'at Experian does filing a dispute negatively affect a credit score? '' I was advised to contact a credit  advisor and was transferred back to the disputes department and the same rep XXXX answered the phone. I asked for a supervisor then someone named XXXX came to the phone which sounded like the same person trying to us a different voice. 

I asked XXXX to tell me any new negative reportings for the last 2 weeks. He confirmed what I suspected which was nothing negative had been reported on my report any time recently. 

My only recent activity is filing a dispute on XX/XX/2018 which is still open. 10 minutes after I submitted this dispute my credit score dropped 20 points. ( XX/XX/2018

), again with now new or even recent negative reportings or activity in my credit file.

I contacted a professional credit counselor as advised by Experians membership department and they further confirmed that there was no activity that would have caused this drop in my score.
Consumer complaint received 2023-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (FL)

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my 604 letter report that I filed as well for Identity theft.
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX XXXX  Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called XXXX XXXX to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN HONDA FINANCE CORP (NC)

I am the owner of XXXX XXXX XXXX The business leased a Vehicle Through Honda Financial Services. Honda Financial Services is reporting it to all credit reporting agencies as a personal loan on my personal credit. We lease 3 vehicles every 3 years for company use. These vehicles have never reported on any of the owners personal credit. When purchasing the vehicle I made it clear if it was going to be reported on my personal credit I had no interest in leasing the vehicle. I am attaching the most recent statement showing the account is in the name of the business. The is clearly a violation of federal law in reference to inaccurate entries.
Consumer complaint received 2019-01-07
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)

To whom it may concern, I submitted a requested to have XXXX XXXX XXXX removed from my credit report. I have reported to the repositories that this debt is fraudulent, and I have not signed any guarantee. I have hired an attorney who expressed that I never signed a guarantee. The information in the application is not correct and obviously never been verified. The issue is the fraudsters are reporting to the credit repositories and are not providing any proof. The credit agencies are not requesting written proof of the debt. The documents have used electronic signatures in the fraud. I have enclosed my attorneys letter and email chain complaining of the fraud. I have requested the file be removed from my credit report for fraud with no result. 
Thank you, XXXX XXXX
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MD)

Square 's customer service attitude is perfunctory, and they arbitrarily quote payment terms to limit customer funds. Even according to the 12 and 36 payment terms they provide, there is no explanation ( right ) that Square can retain customer funds permanently, it is illegal, and the customer account team is arrogant and rude. Do not reply to customer emails and ignore customer requests. I requested that my funds should be released immediately as promised in the email when they deactivated my account.