davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

XXXX  SPLIT MY CREDIT REPORT INTO  XXXX  RESPECTIVELY!  <P/> TO KEEP THE  XXXX  FILES COMBINNED THEY SUSPEND  XXXX  ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED )  1 ) .CO NFIRMATION NO. XXXX  DATED  XX/XX/2016 - STATUS PENDING 2  ) .CONFIRMATION  NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT  XXXX  IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc. (CA)

I tried to contact SageStream , LLC about the information they have on my consumer report and the phone number provided cuts of and at other times I get message phone number is not available. I researched company and they have been notified by federal government to be in compliance when they were doing business as ID Analytics. I was denied a simple {$240.00} payday  loan ( cash advance ) due to information provided by this consumer reporting agency that reported my score as   XXXX . My scores from the main credit reporting agencies range from  XXXX  to  XXXX . I would like your assistance in stopping this consumer reporting agency from being used to provide credit information to any and all credit agencies. They are hindering people from getting loans and/or assistance.   Thank you.
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TH Professional & Medical Collections LTD (IL)

On  XXXX / XXXX / 17  I contact ed Professional Med Clctn an d spoke with a lady by the name of  XXXX . I paid Account number  XXXX  in the amount of {$60.00} using my debit card and received confirmation number  XXXX  from her. I also paid Account number  XXXX  in the amount of {$61.00}, again on my debit card and was told to use the same confirmation number. That same day I also paid with my debit card on Account  XXXX  and received confirmation number  XXXX . I was told that they would update the credit bureaus with these payments. After reviewing my credit report today, I should that they are still reporting Account  XXXX  and  XXXX  A as not being paid. When I spoke with the company, they told me that the payment that I made had been applied to an old account th at was 15 years old and t hey could not make any adjustment. When I called in and spoke with  XXXX , I specifically told her what I wanted to pay and thought that the payment was being applied to these  XXXX  accounts. At no time did I approve a payment to be applied to an account that wa s 15 years old.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (FL)

This is my second complaint submitted against XXXX XXXX.They insist on calling me at work. 
The last phone call was today XX/XX/18 @ XXXX. XXXX is the collectors name. I specifically asked her why she was calling me at work. She said it was one of the contact phone numbers on my account. I told her it was against the Fair Debt Collection Practices Act to call me at work and they could face a {$10000.00} fine for each attempt knowing they are calling my work number. She told me she had never heard of this act before. 
It's very obvious that this is my place of employment by the way the phone is answered by the receptionist. 
This must stop. Please help me.
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

There were  XXXX  unauthorized atm withdrawals in  XXXX  :  XXXX   XXXX  - {$400.00},  XXXX   XXXX  {$100.00},  XXXX   XXXX  {$200.00}, for a total of {$700.00}. The withdrawals were not in the city in which I reside nor did I authorize the withdrawals. I was at work the days of the withdrawals. Once I noticed my account was low, I looked through my statements to see what was going on, and that was when I called to report the theft.   XXXX  I filed a complaint with the bank, at which point they put the money into my account. Upon reviewing my account today -  XXXX / XXXX / 17 , the bank reversed the decision to refund my account, withdrawing {$400.00} and {$200.00}, with the {$100.00} claim still under review.   XXXX  Today,  XXXX / XXXX / 17 , I filed a complaint with the  XXXX  Police Department for identity theft. I did so because the bank told me that they could not provide the information of their investigation in which they determined I was liable for the money, nor could they provide the video from the ATM. They stated that I must subpoena the information, which can be done by the police.
Consumer complaint received 2018-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

XXXX XXXX scammed me charging me to get me a modification. I spent over 2 years sending them my financials. All they had me do was file bankruptsy. Finally I felt like something was wrong because I never received a review or solution. He told me to never call the bank and they would handle everything. I finally got my daughter involved and she found out through the bank ( XXXX XXXX XXXX ) they never received documents to review. WE submitted a full financial package immediately directly to the bank-XXXX XXXX XXXX and since then the bank as neglected to deem complete even though they say they have it in the system. The last missing document they requested before due date of XX/XX/XXXX has been in there system since XX/XX/XXXX and they have failed to acknowledge it nor even notifiy of any further new requested items. several agents say yes its there what they requested but no one has deemed it complete for over a week causing this to be way over violation of CFPB. Now a sale date is scheduled and the bank has not requested to suspend or cancel knowing we have a full financial package for modification review in their system!!! I have been sending docs and speaking with agents directly on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX with 3 collection supervisors because they refuse to xfer to anyone in loss mitigation and advised they do see where its odd its been sitting with a processor for over a week and should of been to an underwriter so far, XX/XX/XXXX with 2 other collection supervisors one of them named XXXX who refused to connect me with a loss mit team lead and said the single point of contact wasn't available and no back up is set in place. XX/XX/XXXX still no single point of contact response or connection to loss mit. Sale is still on for XX/XX/XXXX.Loan care has taken several weeks to even acknowedlge the intitial package to begin with and then constantly state to me that the bank has 60 days to review financial documents?? I understand they have to review it within 5 days max. Once I was told the bank has 2 full weeks to review a financial document that comes in. Loan Care has never been consistent in the processes, stages, turn around times and access to a loss mit agen at ANY point. Complete neglect of my mortgage handling.
Consumer complaint received 2016-05-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MD)

I am being harassed by ERC collections over my son 's credit card debt with phone calls and dunning letters. We have the same name but I have nothing to do with the debt. I have told them this on the phone but the relentlessly harass me with more calls and letters. I am XXXX years old and not well anymore. Help!
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OR)

Us bank started the process of closing my account back in XXXX to this day my account is still in the process of being closed and there is a hold on my account. They say it is because a dispute that I filed that still opened so on XX/XX/2019 I canceled the dispute I was told it would take three days to actually close I called back is still open this was a dispute for {$22.00} I contacted the merchant again on XX/XX/2019 they were able to issue me a refund call the bank back they still have not lifted the hold on my account and I keep asking why and everybody just transfers me to somebody else nobody has given me a direct answer on to why my account is not closed they are holding my funds I have XXXX in my account that I have no access to and the dispute was filed XX/XX/2019
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (VA)

I have been ongoing notifing XXXX XXXX XXXX since XX/XX/2017 of misconduct and mishandling of my XXXX credit card account to date. The random responses from Bank continue to be inappropriate to my clear and direct questions to date. 
Since it appears no one is available with the bank to assist me with my ongoing dispute balance AND mis- handling if my account, I am requesting that XXXX XXXX XXXX : 1 send me a copy of XXXX AND BANK agreement policy and step by step procedures on handling items returned thru XXXX , when And how credits are put back to Consumer accounts and when is bank notified by XXXX if returns. 

2. I am requesting that the bank send me XXXX and Banks agreement policy and step by step procedures for handling a consumer 's complaint, when consumer reports abuse and misconduct with XXXX credit card. This policy and procedures needs to include consumers timeline to report their issues when found, who works on compliants at bank and what is the wait time to hear from bank ( 30/60 days ....? ) This information will help me clearly understand the working relationship and agreements between XXXX and XXXX credit card XXXX XXXX XXXX. Hopefully this information will also give me some understanding as to where there could have been a disconnect with the charging of items and handling of my credit card, from my actual purchases through XXXX : per advertised prices of items and support services to consumers with purchases. 
* Bank response back needs to clearly report what complaint department handles this type of complaint from XXXX card consumers. I am seeking to understand who has been working on my complaint to date, as I have not heard back from them directly with any type of resolution with me acct. 

please send all information through the Consumer Finance website only. 


***I am not getting my answers from the bank about my account and the things that's going on with it, I also have not been getting items purchased as advertised through XXXX XXXX XXXX XXXX. I am trying to resolve where the disconnect has been ongoing taking place with my XXXX credit card and advertising practices for XXXX as the two businesses partner to provide consumers with services.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION (GA)

On XX/XX/22, I submitted information to open an account online. On same day, I received an automated email message saying they couldnt verify me referencing the Patriot Act. I was provided a phone number which I attempted on 3 separate days. The recording told me to call back in 24 hrs. I could never get through to a representative. 
On XX/XX/22, I submitted an online inquiry form. 
On XX/XX/22, I received another email from XXXX asking me to call another customer service number which I did. The representative ( XXXX ) was very kind and helpful. She sent me a pdf application to complete and return via secure email. She walked me through the completion process ensuring all necessary boxes were checked. Same day, I received a request to provide a copy of my drivers license. I submitted it to XXXX via secure email. She confirmed forwarding to the appropriate department. 
On XX/XX/22, I called back to the working customer service and referenced my prior conversation with XXXX and requested a status. I was told no application for me was in queue. 
On XX/XX/22, I requested escalation to a supervisor and informed them I was considering filing a CFPB complaint. XXXX sent me another pdf application. 
On XX/XX/22, I pulled up the second application form for the first time. This time it was inadvertently pre-filled with another applicants information ( including full social, date of birth, mothers maiden name etc ). I immediately notified XXXX and requested supervisor escalation. XXXX called me and said she and her supervisor are researching my situation. I requested something in writing from her supervisor confirming my information had not been compromised to other applicants. I also requested expedited resolution to my application problems. As of XX/XX/22 at noon ( EST ), I have received neither.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On  XXXX   XXXX ,2017, I received a call from a company that did not disclose their name who said that I owed money to a credit card company. They said that if I did not contact them to resolve it, it would affect employment, assets and/or bank accounts. This matter has been resolved through the legitimate company and HSBC Bank and is no longer owed. They told me when I called them that they will see me in court and said I better have proof of my payment. I am worried that they will continue to harass me for this bill. This is the second fraudulent company trying to collect on this bill. I think they are just passing my information around to different people and that worries me. The number they called me from is  XXXX .
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion and XXXX has reported this on my credit reportXXXX XXXX XXXX XXXX : Address XXXX XXXX XXXX XXXX Mississippi XXXXInquiry date reported on XXXX XXXX. I called Transunion, and XXXX about this inquiry, but the problem wasn't resolved.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

My name is XXXX XXXX and I have been an customer w/ PayPal for many years. I received an email on XX/XX/2022 at XXXX a.m. eastern time stating that my PayPal account was permanently limited/ banned due to potential risk. The PayPal account was last used on XX/XX/2022 which was utilized as an payment method for an transaction. I do not sell goods, I do not own a business. My account is strictly personal usage only. I do not export or import goods, I do not send or receive money using the account. I am simply an regular consumer whom uses PayPal as a safety net when shopping online. There is only three reasons my account MAY HAVE been banned for : First reason could be that PayPal closed and initiated a new account for me on XX/XX/2022 due to my previous one ( that I used for years ) being created in another country which I was unaware of when I was XXXX XXXX military. Secondly, the mobile devices I use to access PayPal services automatically uses an VPN which triggers PayPal 's banking system of suspicious activity. Thirdly, I ordered an PayPal prepaid debit-mastetcard card and did not activate it as of yet, which is my legal right. 
For these reason 's my account should not be delayed for 180 days or permanently restricted to limited use/banned. I am in good standing across all PayPal platforms and have never attempted or thought to commit fraud or infringement against or upon PayPal 's terms and agreements of services.
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

I have been a WF customer for over 10 years and all of my issues have always been how transactions are processed. In my most recent incident I was told by a merchant that they needed a card on file but would n't charge my card since I did n't want to pay with that card. However they charged my card anyway causing my account to be out of whack for the 3+ weeks, not to mention a mishap with an incoming direct deposit I had setup. WF after I called and explained repeatedly let merchants attempt to withdraw money that I did n't have out of my account. Which left me with XXXX in overdraft fees.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (MD)

I have a collection with a company that I never had dealings with. Professional Debt Mediat is reporting falsely to all XXXX credit bureaus that I owe. This is not my debt and I am demanding that this is removed from all credit reporting agencies immediately. This has put me in a hardship and has caused me emotional stress due to the fact it's hindering me from getting approved for a home. I would like for this matter to be taken care of expeditiously so that I am able to move forward with the purchase of my home. I would like to receive a full step by step detailed documentation of this investigation. This is not the first time I have tried to take care of this matter I keep getting that this account is verified with no documentation on how or who verified this. I haven't received any paperwork with my signature to confirm that this debt belongs to me because there is none. I never signed any agreements with Professional Debt Mediat nor have I given them permission to access my information. I need for this to be removed immediately. They are also reporting every month that I haven't made a payment this has been going on since XX/XX/2019 and is a form of harassment and a violation of my rights. I have attached a couple of the reports.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (FL)

This was submitted to CFPB on  XXXX / XXXX / 2017  case #  XXXX  and nothing was ever done with it. I am now 5 days from closing on a mortgage and will probably have to pay this account off to get mortgage. I am highly disappointed.     The compan y is Advanced Collections Bureau   XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Phone  XXXX  They are trying to collect for a security system account that I did not renew. I had a security system through  XXXX   XXXX  in  XXXX  Florida and when my  two  year contract was up I did not want to renew. I paid for the whole two years in full, when the contract was up they continued to bill me, I spoke with them and said I did not renew contract and to stop billing me as I had never used the security system. I eventually was contacted by Advanced Collections saying I owed {$1000.00}. I attempted to speak with them and resolve this and have had no success.     Account number  XXXX
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J J Marshall & Associates, Inc (IN)

I have sent in dispute letters to them regarding this collection or item thats on my credit But I just get a return letter as they reported The wrong address to the credit bureaus and when I send a dispute letter to the credit bureaus with the return letter they still tell me that is accurate
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  XXXX / XXXX / XXXX .
Consumer complaint received 2017-03-08
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I 'm applying for HELOC. The bank gave me three reasons why I was not approved. I satisfied all the reasons and they are still giving me the run around. The last time I applied for a loan it took them 5-6 months to approve and only after I reached out to this office.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

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 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

Received two statements on XX/XX/2022 -- one in the amount of {$1300.00} and the other for {$510.00} for services provided on XX/XX/2022. Owed to XXXX XXXX of XXXX. Statements from Online Information Services XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX. 
There is no such business in XXXX ; I live in XXXX XXXXXXXX XXXX 
I saw no health provider that date. 
No claims were filed on my medical insurance. 
These are total fabrications.