davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (HI)

My former insurance company was XXXX. I sold my vehicle in XXXX, 2017, before relocation to Hawaii and notified my own agent that I would no  longer be driving, therefore I would not need to have a policy. All the paper work involved with virtually everything in my life has yet to arrive in transit from the mainland to XXXX. Thank you for understanding
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had been using the automated telephone system to get assistance from customer service whenever I needed assistance. Often times they were very intrusive with the amount of information that they request to verify your account even though you are typically being transferred through the automated system to a rep after having verified your account. 

Date of birth, last four of you San and sometimes full ssn, your card account number, address, verification of your photo ID through a text system ... etc. At times you are forced to give all if this information. 

While I understand that this is for your own protection and agree that their has to be a standard to do so, I feel the process at times is too intrusive. 

This company also would not allow for you to go into an actual branch to verify yourself with an ID if you felt uncomfortable giving so much info over the phone ( was told that was not an available service ). 

After feeling as if my privacy was being invaded by too many CSR 's, and after speaking g with several fraud specialist, I was finally told of the option to verify me through the mobile app. This seemed less intrusive but at times some CSR 's won't utilize that option.

It leaves the consumer feeling completely harassed.
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

I have entered into a income based loan forgiveness program with XXXX XXXX XXXX and noticed Navient myself and through the company. Since then I have gotten conflicting emails telling me different things such as I filed for forbearance ( which I did not ) and then a day later that my payments would resume. I also stopped payments with them and my bank for autodraft. Twice they have changed the way they bill the account in order to obtain their money and I have had to file a fradulent activities note on my account in order to get my money back. At this point this is fraud and harassment.
Consumer complaint received 2021-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (FL)

I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (AL)

I have called several times about the excessive late charges over 7k I have owned this Home since XXXX XXXX. I requested that these be removed or reduced as I feel that payments were not posted on time. I asked for history from start of loan in XXXX and received XXXX on and no previous years. I believe I have three times scattered late over thirty days in almost 15 years. This is a financial hardship to pay over 7000 in late fees and eating my equity which is not much based on the decline in my area. I was told there was nothing I could do but pay the money and they would not work with me at all. To request bank records to prove would be impossible as the cost and they dont exist. As a consumer this is financial XXXX and profiting off a life long customer.
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gordon, Aylworth & Tami, P.C. (OR)

Gordon , Aylworth & Tami , P.C . 
bought old debt. Garnished bank account without notice. Took {$410.00} on XXXX17
Consumer complaint received 2020-04-18
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. (CA)

I noticed several inaccurate and false information in my credit report with TransUnion after obtaining my credit report from them. I immediately open a dispute in regards to inaccurate and false information for the investigation. In regards to all disputes, they notified me they have completed the investigation within 30 days from the dispute date, however, I was neither provided the result of the dispute in writing nor their online system maintained a record of the dispute. Since I have opted for the online version, every time I have logged in to TransUnion the dispute I have filed is either " In progress '' status or it no longer exists and there are no records of the dispute whatsoever. 
I have also sent TransUnion two letters via certified mail in regard to some other disputes which they have never responded to.
Consumer complaint received 2017-10-18
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: STERLING JEWELERS, INC. (MA)

Greetings : I called XXXX XXXX customer service to purchase a diamond ring over the phone through XXXX credit card so I made the purchase over the phone and the agent took all the information needed to complete my purchase however I have not received the order since XXXX XXXX 2017 So  I have called several times to resolve the issue, so XXXX customer service response always was contact XXXX since the shipment supposed to be delivered by them so I called XXXX to report that issue so they opened the case however I have not gotten any calls from their investigation department to resolve my issue so please assist me with that Issue. Thank you
Consumer complaint received 2022-09-08
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

From XXXX XXXX thru XXXX my bank of America statements had A Bank of America XXXX XXXX XXXX XXXX   XXXX Address After that to present date XX/XX/XXXX my boa statements have both Bank of America XXXX XXXX XXXX XXXX  XXXX And Bank of America XXXX XXXX XXXX XXXX XXXX Address I did not have a phone or a computer from XX/XX/XXXX thru XX/XX/XXXX so I could not access my account from a phone or a computer I always to go in person to bank of America XXXX XXXX XXXX vXXXX XXXX XXXX The boa rep states that the XXXX XXXX  address is for online banking. I don't do online banking I did not do online banking access to my transactions until I got a phone in XX/XX/XXXX so please explain to me why the XXXX address was put on my account originally and who authorized it and then why it was changed to 2 addresses of both XXXX XXXX and XXXX XXXX and who authorized that.
Consumer complaint received 2017-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (MI)

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XX/XX/XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XX/XX/XXXX and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (NM)

CENTRAL PORTFOLIO CONT XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This company is attempting to collect on a debt not owed. I broke an apartment lease in 2017 due to uninhabitable living conditions. I provided proof of a broken heater, causing my apartment to be freezing in the winter, a harrassing downstairs neighbour ( XXXX XXXX in XXXX ), a continous gas smell and carbon monoxide alarm, and the property managers would not resolve the issues. I submitted work orders prior to moving out for these issues as well as a clogged drain. I broke my lease and paid the early termination fee, which I have the receipt for. I cleaned the apartment prior to moving out, and am disputing the cleaning charges as the carpet did not need to be replaced, as I spent only a handful of days actually residing in the unit due to the horrible treatment and conditions. My mother and ( XXXX XXXX ) were both in contact with the property management company and were reassured all charges were paid in full after seeking an attorney on the issue. Do we need to seek another one all these years later? All documentation is readily available if so.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Capital One charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to Capital One about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. Capital One is also reporting the account. 

That means there are 3 violations due to a single trade line.
Consumer complaint received 2017-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Paypal limited my account on XXXX for additional documentations. After I uploaded my identifying documents and business documents, Paypal decided to permanently freeze my account and lock my fund for 180 days citing " security reasons '' for chargebacks. This is absolutely ridiculous, all the payments I received are from Paypal funds or checking accounts. This is their way of getting a free loan from their customers.
Consumer complaint received 2017-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (CA)

I sent a wire to Coinbase company on XXXX/XXXX/XXXX and per their web site it should credit my account same day or next business day, till date XXXX they dont reply to my inquires nor do they have a phone number to call them. I emailed their bank XXXX XXXX bank and they told me that they received the wire same day I sent it and credit it to Coinbase account. They have kept my money for 5 days and Im getting no where with them and feel I got scammed or they are utilizing my funds to make profit. Please help me as I feel so desperate at this point Wire amount {$15000.00}
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MS)

This complaint is a continuation of a previous complaint against Cavalry Portfolio Services wherein I requested that they send me validation of an alleged debt. I do not have a contract with Cavalry Portfolio Services and to date they have not been able to prove otherwise. After my previous complaint was closed due to Cavalry stating they would mail me validation of the debt Cavalry Portfolio Services sent a letter to me dated XXXX XXXX, 2017 attaching a copy of billing statement. I requested that Cavalry send me a copy of an agreement bearing my signature wherein I made a promise to pay Cavalry Portfolio Services. To date I have not received this information. I do not have a contract with Cavalry Portfolio Services and I would like the negative listing removed from my credit report with all three credit reporting bureaus.
Consumer complaint received 2022-03-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Portfolio Recovery. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XX/XX/XXXX. 

We took out Chapter XXXX Bankruptcy on XX/XX/XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw Portfolio Recovery checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

Portfolio Recovery is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.
Consumer complaint received 2017-10-18
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. (UT)

XXXX XXXX XXXX reported a past due account with XXXX XXXX XXXX XXXX to Equifax. Equifax confirmation # : XXXX. I disputed this with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax. The basis of the dispute is simple : XXXX XXXX never sent a bill or invoice for the amount not paid by insurance. No bill no debt no past due account. I confirmed with XXXX XXXX that they had my correct address, email address and phone number. I requested a copy of the bill, any bill addressed to my attention. XXXX XXXX has not produced a copy of the bill ( because they failed to bill ). I had no notice that the insurance did not pay the full amount for the procedure. Its been one year as of XXXX XXXX, 2016 and I have received no correspondence from XXXX XXXX. I contacted them by phone and all they said was your account was turned over to collections and there is nothing we can do. XXXX XXXX claims to have investigated my dispute, but all they did was send a verification letter to XXXX XXXX confirming an account balance. They never requested or confirmed if I was ever put on notice of any amount owed or if XXXX XXXX even sent an invoice or bill to my attention. Again no bill no debt no past due account. Now my credit score has been negatively impacted and XXXX XXXX and XXXX XXXX XXXX will do nothing. Please note, when I saw my credit score drop, I ordered a copy of my report. That is when I found this false claim of a past due account. I paid the {$410.00} on line, that week.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-06-28
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)

I DO NOT HAVE A LOAN EVER WITH  XXXX   XXXX  #  XXXX  THIS DOES NOT BELONG TO ME
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I DO NOT HAVE A LOAN EVER WITH  XXXX   XXXX  #  XXXX  THIS DOES NOT BELONG TO ME