davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stuart-Lippman and Associates, Inc (NY)

There is a collection by XXXX XXXX listed on my credit report through Stuart Lipman and Associates. 
XXXX XXXX dissolved their retail department and released me as a result. 
This was not a loan, it was never a loan as it is listed. XXXX XXXX NEVER loaned me money. 

This is a NON-Reportable disclosure and violates FINRA securities rules/laws by having it listed on credit reports. 

This mark on my report is hindering me from securing loans for my children. 
COVID has been relentless in causing job insecurity and improper reporting is adding to the stress of this situation.
Consumer complaint received 2015-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc. (CT)

I HAD XX/XX/XXXX CELL PHONE SERVICE PAID ALL MY BILLS VERBALLY TOLD THEM TO SHUT OFF ALL PHONES AN CANCELED SERVICE IN XXXX 2015 BY EMAIL LETTER AND PHONE CALLPAID THE BALANCED OWED. 
SIGNED UP WITH XXXX ON XXXX/XXXX/2015 BILLING ID XXXXCCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENT ME BILL ON XXXX XXXX TH FOR XXXX SAID THE CANCELLED MY SERVICE THEN THEY SAID WERE GOING TO GIVE TO A COLLECTION ON A BILL I DO N'T OWE THEN I RECEIVED LETTER FROM GATESTONE COLLECTION SAYING THEY WERE COLLECTING FOR ATT AND WILL SETTLE FOR XXXX I DO N'T OWE ANYTHING AND IF I DID WHY WOULD THEY SETTLE FOR XXXX MAKES NO SENSE GATES STONE XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXXBalance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX*Balance : {$790.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$790.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Consumer complaint received 2015-05-10
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a capitalOne XXXX credit card since XX/XX/XXXX. I provided this information to XXXX of the vendors ( XXXX 's XXXX XXXX XXXX ) for autopay. There financial services is XXXX XXXX XXXX based in MA. During the month of XX/XX/XXXX - I asked that XXXX XXXX XXXX company that my kid wo n't be coming since XXXX week of XX/XX/XXXX so stop charging my card. I was going out of country for more than a month vacation. The merchant also agreed and I had all the email communications with them. Later merchant charged my card - i found it and asked CapitalOne to block this merchant and their transactions going forward during XXXX - via chat and secure message center. And also opened the dispute with CapitalOne. But Capital One could n't block that merchant ... transactions keep on happening even after that. Finally i closed the account also ... CapitalOne was provided all the possible documents to investigate this issue ... did a lot of follow up with CapitalOne and come to know that dispute will be in my favor ... Later merchant refunded some amount also. I had XXXX item that i had purchased from XXXX which i refunded using this credit card. XXXX refunded this amount into my closed credit card. I reached CapitalOne to refund that money to me via check ... they agreed but they refunded another {$100.00} to the merchant once again??? - i do n't know why they did that ... later i need to keep on following up with CapitalOne ... on XX/XX/XXXX - myself, CapitalOne and merchant had a XXXX hour call ... merchant agreed to pay the money after getting the statements from me. CapitalOne make the merchant understand everything ... send me the statements ... i sent the statements to the merchant also ... they were suppose to refund back my {$100.00} which capitalone gave on XX/XX/XXXX ... But now merchant is not ready to refund back as they are saying that they dont owe me anything ... CapitalOne 's billing statement and overall dispute process is so complicated that it 's very hard to understand what 's going on?
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (NY)

Several years ago without notice or warning Transferwise now operating as Wise, decided to close my account. They did not provide written explanation or reasons for as to why they had done so. I appealed the account closure through their customer service only to receive a response that they had decided to stand by their decision to close my account. 

I did not use the account in any way which would have violated their terms and conditions, nor did I engage in any suspicious or unlawful activity using the account. 

My only guess is that I may have inadvertently attempted to open another account at a later date, having forgotten my original account details or that I had an account with them and that perhaps this was viewed as fraudulent or suspicious. This is merely a guess. 

I would simply like Wise ( Transferwise ) to reinstate my original account or help me to recover it.
Consumer complaint received 2021-02-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery has been made known since XXXX of XXXX that any correspondence regarding " debt '' for myself needs to be sent to me via mail and to stop calling my phone. They have since then continued to harass me via telephone. I can provide screenshots of the calls. The final straw was a call just now at XXXX. I have also reported the harassment to XXXX in my debt verification letters. The harrassing calls and dates are as follows : XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )
Consumer complaint received 2022-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

Im am submitting this complaint on my own behalf, I am a XXXX XXXX so I'm XXXX  XXXX XXXX a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have a credit card account ( ending with XXXX ) closed by Citi without my permission. I called Citi customer service and was told that they are going to reopen the card for me, after asking my SSN, annual incoming, etc. I asked them if my credit report will be pulled or not and was told that it wont as its just reopening the original card not applying a new card. But today I found my credit report got a hard inquiry from Citi and its going to stay for two years on my report. Im very disappointed by how Citi treat customer, not only close my account without my permission but also give out false information and damage my credit report.
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: WAKEFIELD & ASSOCIATES, INC. (KY)

{$1500.00} XXXX XXXX billing sent to collections, while in talks with original billing company. When I first received a call from Wakefield attempting to collect on outstanding debt on which they added {$300.00} of interest to. After a couple of phone conversations with Wakefield, within the first month of the first contact with them, Wakefield asked that I send in a formal dispute with name, explanations, offered amounts, ect. I faxed the letter next day as well as certified mailed a copy to them, which they received two ( 2 ) days later. I never received one more phone call or mail correspondences since, and still have not to this date. 

Not until I had my credit report run was that it has been brought to my attention that I had a outstanding collections on my credit report from Wakefield, which has been active for 8 months, and is noted as under dispute. 

But Wakefield never responded to my dispute letter ( faxed & cert mailed ) nor have they ever contacted me again to collect. 

Note : I never said that I did n't owe anything, my insurance company first billed this as " IN-NETWORK '', showing I owed {$170.00} that was rejected by original medical billing company. then insurance billed at member rate for " Out-of-Network '' that was rejected. I did n't choose my anesthetist for my procedure, I did choose a IN-NETWORK doctor and Medical facility to have it done. I was firm in my dollar amount that I considered fair for the outstanding bill from the very beginning with both the original biller as well as Wakefield & Associates. 
Never was any document provided stating that Wakefield had the right to add interest to the amount, & XXXX response or follow-up regarding my dispute letter faxed/mailed. Then reported the debt to the credit bureau and has never made any contact attempts since disputed eight months ago.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have been dealing with Capital One for over a decade. For the most part, the experience has been " par ''. I had used Capital One products as I was supposed to, and other than my XXXX bankruptcy, I was a pretty good customer. Anymore, when I attempt to apply for a Capital One product, I keep getting this message saying " based on the information provided, we have observed activity on a previous Capital One account that doesn't meet our expectations '', and my credit never gets pulled. I do not understand why. I have not done anything wrong. I believe that I am worthy of a fair chance to apply, yet their system has blocked me without any reason or letter prior to this " block ''. It is disheartening.
Consumer complaint received 2016-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC (FL)

Allied Interstate made debt collection calls to me after verifying they received a faxed cease and desist by e-mail. Additionally, iQor, a company not licensed to collect debts in Florida, contacted me to recover money. They blatantly violate the TCPA, FDCPA, and FCCPA. Additionally, XXXX recalled the debt because it never existed to begin with.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (IL)

I have spoke with the collection agency and they have acknowledged my concern and have requested information to have the dispute resolved. Unfortunately, after sending them the required information I have yet to have this information resolved. it has been 3 months now and I have not received any contact, and when I contact them now they refer me to a answering machine.
Consumer complaint received 2022-09-06
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: Finance System of Richmond, Inc. (FL)

In accordance with a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. 
[ FINANCE SYSTEM OF RICH ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX XXXX # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (PA)

On XXXX XXXX, XXXX, I paid in full the FHA mortgage loan began with M & T Bank on XXXX XXXX using the amount of payoff given to me verbally. Within an hour ( EST ), I sent my check via US Priority Mail ( tracking number XXXX XXXX ) signed by one of their officers. The check # XXXX for {$160000.00} was drawn on XXXX and it was received and signed for. A week later after questioning the process, a bank representative transferred my call to another officer for clarity. I learned then that they had not posted my payment as final for it did not arrive at their office. I sent the check to M & T Bank, XXXX. MD. XXXX. A day later an officer returned my call stating that the check did come but the amount quoted was n't accurate and they now wanted to take this ( mysterious amount ) from the overage in the escrow account which then had {$870.00}. Without knowing whether this was legal, or right, I sought the advice of a lawyer who called on my behalf -only- to get the " run around ''. He suggested that they probably were wrong and to make a formal complaint as a consumer to your office. To date, I have three different letters from three different offices requesting more money -adding interest- as though the cashier 's check -had not arrived timely and the full amount of the payoff was incorrect. I used the figure quoted through XXXX XXXX, XXXX in the amount of {$160000.00}. For your records, I have a copy of the Priority mail express receipt showing that the letter would arrive by XXXX of XXXX XXXX, XXXX. My question to you is this, why if I paid the full amount quoted to me that would close the mortgage loan in full as stated, would this bank recompile another figure and take it from my accumulated escrow balance. And if this is an FHA loan, should they be allowed to dupe the consumer in this way? Such dishonest? 
I do not have the where-withal to attach the official check, the priority mail receipt, the four letter stating the balance on the closing day of XXXX XXXX if XXXX with Interest through XXXX XXXX, XXXX calculated at XXXX, pro rats MIP of XXXX and recording fees of XXXX total amount to pay off loan in full ... .. XXXX. The letter then said, the current escrow balance is : XXXX. 
The following clause : An additional month of interest is due if payoff funds are received after the first business day of the month, all figures are SUBJECT TO CHANGE. This statement expires on the last business day of the month. Figures must be updated after that date. In addition, figures will be adjusted if any transactions such as escrow advance, payment reversal, or fee assessment take place ....
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

The old balances from my XXXX college were discharged through the the federal governments recent forgiveness program. The old accounts were discharged, and are still showing a derogatory status on my credit report. 

Secondly my current student loan balance is showing {$78000.00} on both my XXXX XXXX and Student Aid.Gov. 

My student loan balance in my Experian account is showing {$180000.00}. This inaccuracy is severely damaging my credit report, and has caused my credit report to drop over XXXX points. 

I am trying to buy a house, and I can not, due this error. I have repeatedly contacted both XXXX XXXX, and Experian to request them to update this, and they tell me that they are reporting every month. 

I am furious that these companies have the power to keep these errors on my report. 

Please assist me. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Riverwalk Financial Corporation (TN)

I have been battling with this company for months. They are a debt buyer and they are trying to force me to pay them for a debt that they do not have any legal right to do so b/c I have never entered into a contractual agreement with them so therefore I 'm not financially or legal obligated to pay them. They are not servicing the loan on the behalf of the orginal creditor and the original creditor is n't trying to collect on the loan.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I have use my  TD Bank ( US ) count for over 10 years. I signed up so that TD Bank could not overdraft my account. Every ti me my account was overdrafted I called and corrected the situation which I found to be immoral A number of times. They honored me and replace the funds every time. Recently my account has been significantly lower than usual they have overdrafted me  XXXX  times in the last month. I have contacted them many times telling them to stop allowing my account to debited. They have not honored overdraft protection law.         I was over drafted and not refunded  XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX   XXXX  $ on  XXXX   XXXX   XXXX  Maintenance fee  XXXX  $ on  XXXX   XXXX   XXXX  from over drafting me I was over drafted and refunded  XXXX  $ on  XXXX   XXXX ,  XXXX   XXXX  $ on  XXXX / XXXX / XXXX