davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

There is a repeated charge on my credit report from XXXX XXXX stating I had thier service at a place f residence I never lived. I have it removed obnly for a few days and then it is back on there. I have communicated with all paries and still having issues it is frustrating as I a trying to get XXXX  and this is preventing me because of my credit score.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My card number ending in XXXX I signed up with capitol one in XXXX of 2020 because XXXX sent me a letter in the mail promising me a {$150.00} bonus, if I applied for a credit card with them. I had to spend {$500.00} or more in purchases in the first three months. I had asked for an extension because I am taking care of my XXXX XXXX XXXX XXXX  with XXXX XXXX, he is mainly XXXX XXXX XXXX XXXX  had also got this same offer for a {$150.00} dollar bonus and he asked for an extension to get his bonus of {$150.00} as well and he was granted his extension until XX/XX/2020 but I was not. I have made the {$500.00} dollars in purchases just shortly after the 3 month period had ran out. I contacted capitol one regarding this matter but they failed to comply to my matter and they would not grant me this extension and ripped me out of my {$150.00}. I am also XXXX so it takes me longer than others to get things done. I asking as an accommodation for my XXXX under the ADA laws to accept the fact that I spent {$500.00} just shortly after the deadline. I would like capitol one to give me my bonus of {$150.00} dollars. I have proof by statements that I had spent the {$500.00} dollars.
Consumer complaint received 2021-12-15
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. (NM)

I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMS Inc. (OH)

15 U.S.C 1692 ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance to the fair credit reporting privacy act. XXXX account Capital one XXXX has violated my rights. 
15 USC 1681 section 602 States I have the rights to privacy.

15 USC 1681 section 604 A 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an opening end Consumer Credit plan late for any purpose.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I XXXXXXXX XXXX have a PayPal credit card Account Number : XXXX XXXX XXXX XXXX. 

For over 18months I attempted to contact someone at Synchrony Bank to help me adjust or lower my interest rate at the beginning of the Covid debt relief act. I am struggling to control the account because XXXX XXXX of my payment applies to interest. For example when i make a payment of {$90.00} ; {$57.00} applies to the interest and {$33.00} principle. This is a very unfair business practice. From my original XXXX claim in XX/XX/XXXX which i receive no response or acknowledgement from PayPal forcing XXXX to close the case. I have paid an estimate {$1000.00} in interest. 

I am asking for an interest credit or reimbursement, throughout the entire pandemic although i applied for the covid debt relief I continue to pay my monthly payments which was my responsibility.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Center, LLC (FL)

I arrange a payment be done with my Visa for a carpet cleaning debt with XXXX from 2008 They have not charged my card but dealing with an XXXX XXXX XXXX This company with band XXXX XXXX from XXXX keeps calling and harassing my mother, stepfather, my brother, my brother wife and discussing this debt
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month
Consumer complaint received 2021-12-15
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a U.P.S. envelope dated XXXX was addressed to my current address. 
The letter inside had different address, and stated that my credit card account, wrong acct #, with a balance of {$360000.00} was acquired by Midland credit management on XXXX. 

Prior to receiving this statement, we were called on numerous occasions at all times of the day and night regarding this bill. We had told them that it was NOT my bill!!! I called XXXX  and XXXX XXXX as to the status of my account, and was told I had a zero balance and do not pay any money to Midland! 

After receiving the letter, I called XXXX XXXX and they cancelled my Account and issued me a new account It is now XX/XX/2021 and this issue still remains. I have disputed this bill with XXXX XXXX on XX/XX/2021 and is still in process.Est completion date is XXXX XXXX I am still rec. calls from Midland, telling me to file police reports fed trade reports and give them numbers. 


THIS is all a mistake, the original address was wrong, the credit account number was wrong!!!!! The only thing that was rifgt was my name!!!! 

Since midland has been involved my credit score has been lowered m bank has frozen my equity loan and I am constantly harrased with phone calls from midland!!!!
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Submitted dispute regarding fraudulent XXXX/XXXX inquiry on application ( NOT ACCOUNT/ACCOUNT DID NOT EXIST ) dispute was considered complete in my favor. However inquiry still remains on report. Called to correct the information spent in total an hour on the phone where I was told an amalgamation of information from they couldnt verify my account with the information I gave them ( even though I was verified with that exact information from the previous representative ) to the inquiry is going to stay on my account for 2 years to I need to submit a police report and additional documents via mail or fax only. I have called XXXX/XXXX and confirmed that. My credit score has suffered for approx 3 months now due to this and the inquiry is still affecting my Equifax score to this date ( XX/XX/2019 )
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Upon doing a IDR ( income driven repayment ) plan on my original XXXX loan taken out in XXXX, I received XXXX ( XXXX ) notices from Great Lakes XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that the XXXX XXXX account with the XXXX XXXX XXXX XXXX, in both emails are Paid-In-Full. However, once it showed paid-in-full, I got an alert from XXXX and now shows the same loan with the EXACT information opened on XX/XX/XXXX, which i NEVER opened a new loan. This is an existing loan from XXXX. They are refusing to take this off my credit report after multiple disputes.
Consumer complaint received 2018-07-09
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: Coastal Credit, LLC (GA)

XX/XX/2017 AN INQUIRY WAS PLACED IN MY CREDIT REPORT BY COASTAL CREDIT I DID NOT AUTHORIZE THIS COMPANY TO RUN MY CREDIT REPORT I AM A VICTIM OF IDENTITY THEFT AND A FRAUD ALERT HAS BEEN PLACE ON MY ACCOUNT
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Continually being harassed by a collection agency trying to collect a debt from a person by the same name, with a different date of birth. Agency has been told several times that I am not the person they are looking for and to no longer contact me in regards to this debt. I have videos of me telling them it is not me, to stop calling. They continue to call and I just received a call at work from a courier trying to serve me with legal documents for a debt that is not and have never been mine. I have a video of my husband and I addressing this with the agency from XX/XX/2020.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (DC)

I'm receiving unemployment benefits in DC. I recently opened a new checking account, so removed my old banking information in my DOES account. I received a paper check for the week I removed my direct deposit information and, apparently, the following week 's claim was loaded onto a prepaid debit card issued by XXXX/US Bank. I wasn't aware that I would be receiving a debit card in the mail, until I received a notice last Friday, XX/XX/XXXX ( typically funds were direct deposited into by bank account every Wednesday and the live check was delivered on a Friday ). Clearly, I was expecting the funds on XX/XX/XXXX but hoped the debit card would come in the mail the following day. When the card didnt arrive Saturday, I called DOES Monday. After being transferred to XXXX/US Bank, the customer service rep apologized and said if the card didn't arrive with the mail that afternoon, they could overnight a new card. The card did not arrive a Monday, so today ( Tuesday ) I called back to request a new card. I had to speak with several people ( five total ), all giving me different/contradictory information. I was told the original debit card was requested on XX/XX/XXXX and should have been delivered by today ( XX/XX/XXXX ). I was also told that tomorrow, XX/XX/XXXX, would be the 10th business day since the card was processed so it could arrive tomorrow. Someone else told me the window was actually 5-7 business days. Then I asked about overnighting a new card. I was told that would cost ME {$25.00} ... ..I shouldnt have to pay for a new card that seemingly was incorrectly processed. Then the next person I spoke to, told me my address was wrong in their system ( I had to verify my address with each person I spoke with and none of those agents flagged my address as incorrect ). I was confused as to how my address could even be wrong, since it is correct in the DC DOES system ... ..then that agent decided to deactivate my card, so even if it does arrive with the mail I wouldnt be able to use it. Then the next person I spoke to told me that my address wouldnt be updated until XX/XX/XXXX and, at that time, I could request a new card ... ..She said I could send a fax to verify my new address to expedite the process but I believe this is an unfair tactic as I shouldn't have to verify an address that they had wrong in their system. I have been without my unemployment benefits for days at this point, and it's unclear when I will be sent a new card ... ..this is absolutely ridiculous and I access to my money now ( or within a reasonable amount of time. NOT in seven days plus 5-7 days for shipping ).
Consumer complaint received 2021-12-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I closed on my home XX/XX/2020. I contacted Pennymac that weekend to get on an excelerated payment plan. I set up a biweekly payment so I would reduce my principle. After a few months I received a statement that stated they DO NOT APPLY my payment towards my mortgage. They keep it an earn interest off my monies and only apply the payment when its the full amount. This is Fraud! Misleading etc. Now my complaint is I receive notices via email, phone text and letters to apply for a mortgage with Pennymac. I have contacted them and stated they must stop! I have a morgage loan with Pennymac and the letters look like there is an issue ( Stamped Urgent ) or the mortgage has been sold. Creating extreme anxiety to me. After a month from the original complaint to stop the solictation, they keep on coming. I want them to stop. Please help resolve this issue
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION (FL)

There was I believe 2 separate checks that were deposited to my truist account. They put an immediate hold on the both of them. With no offer to release any funds. They put my account on freeze without any notification. I had to call and wait 47 minutes to speak to anyone and still no answers as to why I'm not able to access any funds. After a few days. I contacted the direct branch were I live. And the representative told me that the fraud department has my account on hold and there isn't anything she can do to help. The funds that were sent to me were from a client that I worked for, for over 2 weeks. I haven't been able to get any money or even log into my account. I received 2 letters yesterday stating that the funds were on hold only because my account is new. And it went on to say that the funds would be available on the 30th of this month. I called to ask about the letter and now there saying my account is closed so Im not sure we're the money is supposed to get released to. This is frustrating and leaving me feeling helpless. I am in NEED of money to keep my business running. Please look into this issue for me I've tried every customer service number I could find. And I wish I would of read the XXXX reviews before I opened up an account with this Branch. Please and thank you for your time and consideration.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (NY)

Recieved notification on XX/XX/XXXX from XXXX  about an inquiry of someone using my info throuch J.P.Morgan chase to get a credit card. On XX/XX/XXXX recieved another notification from XXXX  that someone has been approved for a credit card through J.P.morgan chase XXXX XXXX is working on this issue
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (NC)

We sent a payment via XXXX through Truist on XX/XX/11 in the amount of {$85.00}. It has been debited through our account but the receiver of the payment has not been paid. We have called Truist XXXX times in the last 30 days, but they have been unable to help us.
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX and XXXX of 2021, I filed a dispute with this credit bureau about Us bankruptcy of XXXX Reference Number XXXX that's reporting on my credit report that is 7 years past the filing date. I have sent proof and ask for the deletion of this outdated account. I've asked several times and In those over 3 month and i have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2022 I went to the 5th 3rd bank in XXXX XXXX Indiana to cash a check from a customer. The check was for XXXX XXXX  the bank charged me XXXX XXXX to cash the check. They said I would have to open an account there if I didn't want a fee.
Consumer complaint received 2023-06-15
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. (GA)

I would like to have any items that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2021-12-15
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: BARCLAYS BANK DELAWARE (NY)

Thease accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX XXXX  Case Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

Daily phone call harassments from " Portfolio Recovery '' on my cell phone. I have never given them permission to call my cell number and I am registered on the do not call list. They never leave a message and call from a different number and location from all over the country every day typically at the exact same time in the afternoon. I have no outstanding debt on my credit report and have a credit score of XXXX. I do not owe anyone any money, have never received any written notification of debt in the mail. This is a robocalling scam and I want it to stop immediately. If they have a legitimate debt issue to resolve in my name- send me a letter and I will address it.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (MI)

I can not get anyone to help me. My child support went on the beginning of the month and I can not get it to let me transfer it to my bank account. Ive sat on hold for over an hour!!!! I need my money. Single mom of XXXX kids! I hate that Michigan resorted to using this XXXX Way2Go company. How do I get my child support?
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I have been violated by XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Experian, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under XXXX5 U.S. Code 1691. I have been brutally abused and deceived. Listed below are the laws that protect me as a natural person and consumer from the abusive practices exercised by consumer reporting agencies. 
15 U.S. Code 1640 15 U.S. Code 1681 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please remove this inquiry from my credit report.