davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

To whom it may concern The following companies are listed on my credit report and I have never received the following items such as 1. Original Contract.

2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance LVNV FUNDING LLC {$150.00} XXXX XXXX  {$810.00} XXXX XXXX  {$620.00} I need these items removed from my credit report immediately can you please assist.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

re : Went to pay for doctor bill at time of service : {$35.00} copay, young lady said I owed nothing since this so-called " doctor '' didn't accept me as a patient. 4 years, did you hear, FOUR YEARS later he turned me in to collection company for his {$35.00}!! they have reported me as non-payment, collections, on my credit report, and equifax can only " contact '' them!!! 
i had no choice but to pay so this will be removed from my report, but this is so unfair. if anything, i deserve my money back!!!! i had to pay, they threatened me with attorney costs!!! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX, KY XXXX Phone : ( XXXX ) XXXX Have had XXXX since birth, XXXX different types XXXX, stemming from every section of my brain. This man is a poor excuse for a doctor!!!! Poked me in head where I had XXXX XXXX, asking what's this? What an XXXX!! 
i have been seen by the # 1 neurologist in the world, XXXX XXXX XXXXXXXX, and she put me thru hundreds of studies, including implant trials to control my XXXX all unsuccessful!! But she tried!!! 
He turned to us, said he didn't want another doctor 's problems, refused to understand that i have XXXX XXXXXXXX and can only take XXXX ; he said this was nonsense!! 
finally, after " consulting '' with his laptop, and ignoring me, my husband said that we understand that some doctors are just aren't as smart as others, and took my hand and we left!!! he is rude, arrogant and totally unethical!!!! unlike any doctor i've ever seen for XXXX, and trust me, i've seen many!!! this man acted like " why are you here? '' duh... you're ( supposed to be ) a neurologist, i have XXXX... you figure it out XXXX!!! soooooo rude!!!!!!! 
Hope this man, and his staff, retire before he hurts someone!!! The man is a XXXX, no one should trust him!!!!
Consumer complaint received 2020-06-20
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 sent letters out certified that there are inaccuracies on my credit report. I have a freeze on my XXXX XXXX and asked the Bankruptcy court to send me a letter of non 3rd party consumer reporting. I feel like the Credit bureaus are taking advantage of regular people.
Consumer complaint received 2017-10-16
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. (CO)

Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This complaint replaces complaint #  XXXX . It is not a duplicate.   These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
Consumer complaint received 2022-03-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

I paid a total amount of {$91.00} on XX/XX/XXXX at XXXX pm and another repayment of {$14.00} on XX/XX/XXXX at about XXXX pm For a total payment of XXXX. They still tried to withdraw another {$14.00} the next morning on XX/XX/XXXX. I spoke with three employees who each said I should be issued a refund due to the fact the amount was paid before the due date of XX/XX/2022. I never received any such refund. My current remaining balance should've been about {$91.00}, instead, I'm showing a remaining balance of XXXX. I will not pay another payment until this gets taken care of! I will file complaints through every government agency if I have to.
Consumer complaint received 2019-10-23
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: WELLS FARGO & COMPANY (IL)

I sent in my ftc report and contacted the bank about accounts that I did not authorize that were open in my name. The credit bureaus have yet to remove those accounts. I want these accounts to be removed.
Consumer complaint received 2015-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP (WI)

I am paying on my sons student loan that I cosigned on. I can not pay on the due date but have never missed a payment. Key Bank calls anywhere from XXXX to XXXX times a day starting from 2 days after the given due date until they receive the payment, which is usually 2 weeks
Consumer complaint received 2022-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

After numerous attempts over a period of a year, I am not able to receive the following from my current and former Student Loan servicers : Total accounting of my student loan accounts, including payments and tax return offsets. These items should have exact dates! 

PHEAA / AES XXXX XXXX XXXX XXXX. Department of Education XXXX XXXX XXXX My loans balances were inflated after defaulting in 2008. I consolidated with PHEAA. I have yet to see a complete accounting breakdown of transactions with dates. I have not received my consolidation paperwork. 

PHEAA never actually consolidated my loans. All 3 loans are still showing as single loans. Even though they were supposed to be paid off with the tax return offset. The balances were inflated before the sale. The loans have since been resold multiple times to servicers and collection agencies that are either no longer in business, no longer legally permitted to service Federal Student Loans or Bankrupt. 

Every single company and government agency has " passed the buck '', claiming that another is responsible for providing the requested documents. Even reaching out to and submitting a formal complaint to the US Department of Education 's Office of Investigations has yielded a 180 to being told to reach out to the servicer! 

Meanwhile my tax returns have been taken for over the amount owed but I still have a rising balance despite there being a National freeze on all Federal Student Loans! 

Please assist. This is ruining my life. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-02
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. (CA)

In spring XXXX, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other 19 accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX  I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CA)

This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CO)

I am so angry at them I just want to cry and they could care less about their customers. Obviously because their customer service never responds and who has time to wait on the phone for over 45 minutes. Ive gone in to deposit checks and they cant even find me in the system. Ive been a customer for almost 2 years. 
Their unexpected fees are deceitful. 
They charged my savings account on XXXX XXXX {$15.00} for a service fee and on the same day {$29.00} in excess transfers ... all without me ever knowing they do this. Why dont they alert us if we are going over our monthly limit which I never did. 
I inquired about them on XXXX XXXX and received this response Upon reviewing your information, we were able to verify that your account ending inXXXX is a XXXX XXXX XXXX account. For this type of account, there are only four free withdrawals allowed per quarter ( 3 months ) at no charge. A {$3.00} excess transaction fee will be applied for each withdrawal transaction in excess of the four per quarter cycle. 
The Federal limit is 6 per month. XXXX I had 3. XXXX I had 5. It shouldnt matter what account I have. 

Then, I recently changes jobs so had to mobile deposit a check, a corporate check since my direct deposit hadnt taken place yet. It took them over a week to release the check. In the meantime, I could see they were including it in my account and letting my use my card. Called and emailed numerous times about the hold and release times. Emailed and tweeted on XXXX XXXX & XXXX and talked with someone on the XXXX. 
Check was deposited on XXXX XXXX and released on XXXX XXXX. Then they charged me {$340.00} in insufficient fees. 5 on XXXX XXXX, 2 on XXXX XXXX and 1 on XXXX XXXX. 
On XXXX XXXX I emailed regarding the charges, got a response about setting alerts and I responded on the XXXX. No response. 

None of the responses were helpful at all. 
Now Im negative and still being charged fees. And have no money. Like them charging my savings when there was no money there. Or asking over three times to turn off my over draft.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Per the Fair Credit Reporting Act, Equifax , Inc 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 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-02
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. (MI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/XXXX Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Transunion to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion is violating the united states codes and should delete these items off of my consumer report or face legal action.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LendingPoint Holdings LLC (TN)

Lending Point, XXXX and XXXX have all 3 sent me " loan denial '' letters. I HAVE NOT APPLIED for a loan with either of those companies and DO NOT want it to reflect on my credit score. I am having to rebuild my credit after going through a divorce and I do not need erroneous hits on my credit report. I have contacted all 3 companies and explained all the above to them. I would appreciate action being taken to remove these inquiries from my report. Thank you.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This all started back in XX/XX/2020. Capital one and agree to pay XXXX month on the XXXX. On what we agreed on. Capital one is not keeping its word. Capital one is not telling the credit companies that I am paying off debt to them. I want formal complaint against the ceo and the board directors of capital. I want the person or the people handling my complaint fried. For blowing me off for these months. I want it done. I want the payment to come out on the day I said. Not few days after. On the day the XXXX
Consumer complaint received 2017-06-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BONDED ADJUSTMENT COMPANY (WA)

on  XXXX   XXXX     2017  my wife received a collection letter from Bonded adjustment company date  XXXX   XXXX     2017 regarding a bill. This is not a joint account or debt. it is a medical bill that i am responsible for alone. in the communication to my wife WITHOUT my consent or authorization included ; my name, original creditor, account number and   balance owed. according to fair collection laws this is illegal and why i am filing this complaint. i have include a copy of the letter sent to my wife.
Consumer complaint received 2017-08-23
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. (KY)

All three of these companies would not remove erroneous items from my account, namely XXXX ( not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my XXXX  XXXX signed by my XXXX ), and XXXX ( not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.
Consumer complaint received 2017-06-02
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. (KY)

I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. Experian,  XXXX , and   XXXX   XXXX   XXXX   (  XXXX  ) are all refusing to remove fraudulent information from my credit report after providing verification from  XXXX  that the tradelines were successfully removed from their report.  XXXX  and Experian claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor,  XXXX , is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid   XXXX   and never will.  XXXX  is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department.
<P/>
I have substantial evidence that proves  XXXX  engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies.
<P/>
  XXXX   is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several  XXXX  employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT  XX/XX/XXXX  according to the original default date. Somehow   XXXX    managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from   XXXX   to some distant year.
<P/>
Also,  XXXX  is reporting that one of the  XXXX  tradelines is closed/paid in full and the remaining  XXXX  are current.
<P/>
This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX , Experian, and  XXXX . This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I opened my credit card in XXXX, and I finished all the spending requirement on XXXX XXXX, after few weeks, I had n't got any bonus from XXXX, So I online chatted with them 2 times, the answers were just waiting. after 12 weeks, still no bonus posted, then they opened a case for me. but now already 1 month later. still, nothing coming to my account.