davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc. (OH)

Employee number XXXX ( XXXX, XXXX, XXXX, all same man ) has repeatedly called me and when I ask for verification he hangs up on me stating he is done with the call. I have asked to speak with the supervisors only to be given another name but the same gentleman. They tell me that there is only him Monday- Friday. No one else can assist me. Very rude and unethical communication. Ceist and disist is inorder for not following proper procedures.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Capital One is continuing to report a fraudulent account to my XXXX  credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and XXXX  along with my 605b FCRA request to block this fraudulent information from my report. ( XXXX  and XXXX  have complied already ). 

Capital One is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA.
Consumer complaint received 2020-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

My attorneys office had sent a letter to portfolio recovery. Since the letter has been sent ( early XX/XX/2020 ) I have received about 18 calls from them. I have to ask why they are calling me. Is all I get is who they are personally. Not who they represent.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP (CA)

I joined a school to get certified in XX/XX/XXXX which was for a year and until XX/XX/XXXX, XXXX agreed to have automatic billing of {$91.00} per month. I am disputing these charges because I dont have my certification and that is what I signed up for. For XXXX months I have been trying to resolve this as I filed a dispute in XX/XX/XXXX after contacting the school over XXXX times with no resolution or certification. To start when I joined the school I was told that I could cancel anytime as long as certification was not received and that I wouldnt get reimbursed for the months already billed. I tried to cancel within XXXX month if joining because when I joined u was told it would be a live person and training. I was not informed it would be online and no hands on, when the school wouldnt refund my money I proceeded to get my certification until I came across nothing but obstacles. I was locked out of my portal, I was charged without authorization for something called extensions when I dont know why extensions where needed as the year hasnt come up until XX/XX/XXXX. The school allowed me to take my pre quizzes XXXX night right before I was gon na take the certification test and after my pre quizzes I proceeded to take the certification. To find out I was locked out in XXXX spot, it said cancelled in another spot and it said I had to reenroll in another spot. Why did they allow me to take and access everything but my certification, after XXXX attempts of contacting the school, I had no response and had to dispute because I paid and need my certification. My credit card company gave me XXXX hours to send them documentation which wasnt enough time as I have proof and I needed a couple days. They agreed to give me a couple days and then closed the case not in my favor. I faxed them XXXX pages within the XXXX days which they neglected to look at and now XXXX irate because they told me I received the services I paid for and if they looked at my documentation they would see they are incorrect. I tried uploading the documentation in this portal but it was to large. Vey credit card company confirmed they received my documentation and they have lied to Me and keep telling me the case is reopened but there are no provisional credits. Why is someone like me getting screwed and why is my credit card company not doing their investigation properly. I have NO CERTIFICATION AND HAVE NOT BEEN ABLE TO OBTAIN, XXXX OUT {$1000.00} and THIS HAS MESSED UP MY LIFE AND CAUSED ME MIRE STRESS THEN I CAN TOLERATE
Consumer complaint received 2021-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

We have a car loan with Capital One Auto Finance. 
I requested and received an approved payment deferral for this loan due to a COVID-related job loss. 
After receiving this approved deferment, the company listed a late payment on my credit report. 
After submitting a letter to the company, they responded that their actions were accurate and no further action was necessary. 
My credit rating has dropped over XXXX points in XXXX months due to, in part, the actions of this company. 
I would like to find an acceptable resolution to this.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (VA)

This is my third and final time requesting validity of this debt. Please note that I had previously filed complaint no.s XXXX and XXXX. 

Both times requested validity of the debt and have yet to receive the requested info meaning this company is in clear violation of the Fair Debt Collection Practices Act and this erroneous collection account needs to be removed from my credit report ASAP. I never received anything via mail or phone call from This company. I just keep getting a XXXX response that there were 42 months remaining in my contact which is not true at all, especially since I cancelled services less than a year into having XXXX as law enforcement showed up at the wrong address on several occasions when the alarm was triggered. 

What baffles me the most about this company is the fact they they either a ) dont know or b ) dont care that the consumer complaints and company responses are being monitored by fraud investigators and attorneys. VALIDATE THE DEBT OR REMOVE IT This company is in clear violation and needs to be investigated thoroughly
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

called capital one explaining i finally have some income coming in while in pandemic and had been unable to work. tried to work out a lower minimum payment and to set up a plan to stop using card until it was paid off, and they were not willing to accept anything other than what they offered, which was unrealistic and un-affordable at this time.
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I tried to buy PPE from a site, XXXX and they take PayPal. The site appears legitimate but upon further review is known to fail to deliver on their products. I tried to have PayPal stop the transaction but nothing happened and the charge went up from {$61.00} to {$70.00} for the purchase which makes it even more suspicious. Please tell PayPal to shut down this merchant and refund the money - there are many complaints about this site. It appears to be based in XXXX.
Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (OH)

I recently came into some money that would give me the ability to pay off some of my student loan debt. I have XXXX loans serviced by XXXX, the lender is JP Morgan Chase. I had already talked to a different lender about reducing the interest on another loan so I could pay it off with no problems. When I called XXXX, they informed me that they could not negotiate interest on the loan that I would have to call the lender. When I called the lender they said they no longer do student loans and I would have to talk with XXXX. I tried to explain the XXXX directed me to them since they were my lender but they said they no longer have a department that can help with student loan questions. I understand that it is a long shoot when trying to negotiate a pay off amount but it is very frustrating when I cant even talk with my lender about my account.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (FL)

Hello Consumer Financial Protection Bureau, The following letter is to inform the outcome of a dispute I had with Equifax which started on the telephone on XXXX XXXX 2016 and ended up being submitted by mail on the same date ; regarding a collection account still open ( XXXX and XXXX ) when the same had been closed in 2016 as notified by XXXX and XXXX in a telephone conversation. Also, the full payment to another collection agency ( XXXX XXXX and XXXX ) collecting the same debt. As it turns out, Equifax removed the XXXX and XXXX account from my credit report. However, it failed to add XXXX XXXX and XXXX with a {$0.00} balance and paid in full status. Furthermore, Equifax also had the audacity to removed a non associated account ( XXXX ) in favorable standing dropping my fico score 16 points instead of raising it. The difference between my XXXX and Equifax score is 48 points and this is disturbing. In conclusion, Im trying to improve my credit, but this stunt is hindering me. Can you please help me resolve? Thank you. XXXX XXXX 2016
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MI)

XX/XX/XXXX : Requested discontinuation of private mortgage insurance ; submitted lender 's required forms and payment XX/XX/XXXX : Reported that lender had taken no action XX/XX/XXXX : After contact from CFPB, lender admitted they had kept and cashed requested payment but lost request form ; form resubmitted XX/XX/XXXX : Lender approved discontinuation of private mortgage insurance but did not drop it ; upon request for information, lender responded that it was a complicated thing to do and would take more time. 
XX/XX/XXXX : Still no action from lender to discontinue private mortgage insurance It has now been almost XXXX months that I have been trying to work this through with NewRez. I have contacted them by phone, email, and chat, to no avail.
Consumer complaint received 2021-02-26
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. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MD)

XXXX & Equifax dropped my credit score on XX/XX/2021 on XXXX XXXX website. Scored dropped/changed due to decrease in XXXX XXXX account. I have been paying all my creditors on time for three years thru XXXX XXXX XXXX. My bankruptcy public record account have been removed effective XX/XX/2021. What is my credit score so low. 
Also, the balance on my car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently XXXX.
Consumer complaint received 2020-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez appears to have made appropriate disclosure with CFPB that issue is still has not been resolved and we as consumer is at fault. 

Attached is NewRez e-mail announcement that the problem was resolved on XX/XX/2020. 

Previous complaint reference no. XXXX - XXXX.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MS)

I got a call from ERC telling me I owed money to XXXX XXXX XXXX I told them I am waiting on a check from XXXX XXXX XXXX due to filling a dispute with this company due to the service always being off and hardly ever on which was why I discontinue service and returned their product the service was more off than on told them I was returning it that I was not satisfied with it and have it back immediately I would try on many attempts to fix the problem to get a credit and each time the service stayed off it became a real problem.
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

XXXX XXXX is attempting to collect a debt that XXXX XXXX stated is not owed. His billing service is closed and he is not seeking payment. He is not authorizing the collection company to proceed with any attempts to collect this debt. He is a partner in the practice and since left. He is also the provider named in the collection attempt. 

He can be reached at XXXX and will verify this.
Consumer complaint received 2021-02-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Florida Pro Mortgage LLC (FL)

I am an employee of Florida Pro Mortgage and I want to file a complaint against the company and the broker, XXXX XXXX, for not protecting consumers and for teaching illegal way to do business. 

I have clients that are suffering loses, due to decisions or lack there of, by XXXX XXXX and Florida Pro Realty and I want him stopped before he does this to other people.
Consumer complaint received 2020-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I contacted TD bank multiple time to resolve this issue and they did nothing to help. I only had 1 account open and due to identity theft and fraud some how some way 5 other accounts were opened in my name that i had no Knowledge about. They forged my signature and i was told these people open this account either online or by phone. These accounts are not mine and I will not be responsible for the damage. Please help me asap with this matter please.
Consumer complaint received 2024-03-14
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: LEXISNEXIS (FL)

Unknown and unauthorized inquiries on 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 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

On XXXX, XXXX, 2019 my bill did not go through WELLS FARGO HOME MORTGAG - account with 2 missed payments. I am kindly requesting WELLS FARGO HOME MORTGAG to remove these missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I have purchased from a scammer for one of the golden retriever puppies online for {$750.00} via Zelle on XX/XX/2020 and then sent {$1100.00} for shipping insurance via XXXX XXXX app @ Zelle. I have just talked with XXXX about a possible refund on XX/XX/2020, but they have told me that they are not responsible for Zelle. I have also contacted Zelle to try to reverse my transaction, but the company told me that the money has already been transferred, and a refund was not possible. I trusted the bank for Fraud protection and thought that Zelle which is included in the XXXX XXXX  app not covering authorized fraud/scam. It should not be the case and Zelle should put out a statement that they do not cover fraud/scam damage.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

My credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries removed.
Consumer complaint received 2019-05-18
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: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX I submitted a dispute about 2 accounts on my credit file that were not reporting correctly. One account is reporting the last payment made date wrong yet the their rating key shows more payments were made past that date. This account supposedly sold the account to debt buyer which is reporting a different amount than what the original creditor has. The initial response from XXXX   was that they verified the information to be correct. I proceeded to ask what information did they base the supposed verification on because the account information was still wrong. They simply replied explaining their investigation procedures rather than re-investigating the errors. 

After reading more of my consumer rights I then re-disputed the accounts in XX/XX/XXXX they have blantantly ignored me and haven't even responded at all.
Consumer complaint received 2020-07-14
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)

Back in XX/XX/2019, I discovered that my personal information has been misused by an act of an identity theft crime. The problem was reported to all three credit bureaus as soon as I discovered fraudulent financial activities using my personal information. 
Exactly, seven credit card accounts were made using my identity and I reported each accounts to credit bureaus and requested removal and suppression of inaccurate accounts ' information from my credit report. 
I successfully filed two separate identity theft reports, FTC and local law enforcement, and submitted to credit bureaus. 
Unfortunately, XXXX  and Trans Union credit reporting agencies are not honoring official identity theft reports from two different law enforcement agencies and still reporting few fraudulent accounts ' information on my credit report. 
I am very concerned about their illegal action towards me. Neither XXXX  and Trans Union did not submit any significant proof that accounts belong to me, and creditors did not provide any result of their investigations nor the method of verification. 
I requested to see who approved these accounts, who witnessed myself creating these account, and who witnessed using these accounts for myself. 
Both parties are violating FCRA and continuing to post inaccurate accounts ' information on my credit report. 
Please advise them to remove all of fraudulent accounts that are currently being posted on my XXXX  and Trans Union credit report. I will attach each copies of police report and FTC identity theft report to CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX These accounts are still being fraudulently reported on my credit report.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

Someone withdraw money out of my checking account since XXXX of 2023. They went to a non TD Bank atm and withdrew XXXX or XXXX dollars from atm about every two weeks of less. They had my pin information and my card information. I never lost my card and I one knows my pins number to my card. The bank said someone to money out of a non TD bank atm but they told me its in the XXXX, New York. They had not address to give me. I do not use non TD atm Machines. I really call about the only withdrawal I saw in XXXX but the service lady told me money has been taken out since last XXXX. This wasnt me and they said there is nothing they can do. This is not right to me. My bank is suppose to protect me. They did nothing to help me. Can someone please help me. I have been scammed how does someone talk money out of my account and I have my card with me at all times.
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

Contacted company in XX/XX/XXXX regarding loan extension, was told I had to pay for an extension, then was told I would be sent out a firm to sign to have an extension approved or declined, sent extension form back and received phone calls that extension firm was never received, this same scenario happened in XX/XX/XXXX and XX/XX/XXXX. Made a car payment in XX/XX/XXXX and Im now being told I owe the back amount for the extension that was requested. I have called the company several times and either I get transferred around to different individuals or the phone call drops.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (FL)

Unknown accounts. Fraudulent accounts Unknown medical collections/ Charge Offs Florida Department of Revenue Child Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX