davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I I opened an account with Capital One on XX/XX/2019. 

Trying to set up online payments when their system did not send out a bill as it was marked paperless when you set up an automatic payment. 

The bill was missed as I did not get the auto drafting functioning and the paperless billing was selected. 

I called into Capital One and a note was added to my account that the bill was missed and the account was paid in full. 

I requested that Capital One remove the negative payment mark as the account not even 60 Days old when they reported the delinquent payment instead of sending either via eMail of USPS that the account was going to be reported delinquent on my credit. 

I want this removed from my credit report ASAP.
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a recent copy of my credit report in XX/XX/2020 Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, TransUnion, XX/XX/XXXX, and XX/XX/XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I have tried several different attempt to send Midland Funding LLC letters to proof the debt with no success but today I got aeeter from a lawyer stating that they are suing me with a case number! This is the same debt another company has been trying to collect that was collect by garnishment of my checking account in 2006 which at that time was a false collection from a XXXX XXXX card that I had paid in full years before. I know this debt is to old to collect first of all it 's not on my credit report second it 's in May maiden name and I have been married over 14 years. I am hoping you guys can get me the info I need to fight this. I find this ridiculous and i know they think I 'm gon na lay down and take it and I am not!!!! This company Midland Funding is known for its fraudulent activity and was just recently caught for illegal tactics in Georgia. I have literally been fighting them for 5 years and like I said before they have NEVER once sent me the info I requested to verify the debt
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I have an American Express XXXX XXXX that had a {$1200.00} balance prior to XX/XX/2022. I went to use the card on XX/XX/2022 and found out it had been depleted with false charges not made by me. I was told by customer service I had to contact each merchant and try to recover the funds. The card was placed on hold during this process. I did this and was able to recover {$860.00} of the amount and the merchants returned that to the card. I have been calling and requesting a replacement card for 2 months and do not receive it. The customer service tells me there is not a way for them to provide proof the card is being sent or to send it with a tracking number. They claim to have sent 3 replacement cards that never arrive. I am told a different version of the process, timeline and story every time I call. I am asked for additional information that was never asked before and told that is why I have not received it, while also being told the cards have been sent. The wait times for customer service are lengthy, over 45 minutes typically and often the call is disconnected mid conversation and no one returns the call. I can not believe American Express would have their name on XXXX XXXX card that has this horrible level of customer service and all out fraudulent behavior. The fax and email address point to XXXX which has tons of similar complaints and news stories detailing this fraudulent and evasive behavior.
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, TransUnion, XXXX, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my Transunion credit report in XX/XX/2020, I found errors and inaccurately reported information in my credit file. I certified mailed Transunion a notarized dispute letter XX/XX/2020 disputing items in my credit report. I allowed for 5 days for Transunion to receive my letter as well as 5 additional days for them to send me results from their investigation. This was a total of 40 days. I did not hear from Transunion within 40 days nor after 40 days. I should have heard from Transunion between XX/XX/2020 and XX/XX/2020. Unfortunately, I never received any letters or correspondence from them regarding the XXXX dispute. As a result, I mailed a 2nd notarized non-response dispute letter this time on XX/XX/2020 addressing the fact that they never responded to my first dispute letter. As per the Fair Credit Reporting Act, a credit bureau is required to respond to me within 30 days, If they do not respond within this time-frame, they must remove the negative item being disputed. 

When I finally received my updated credit report in response to my XX/XX/2020 dispute letter, Transunion had only deleted 2 negative items. In other words, Transunion never responded to my first dispute sent XX/XX/2020 and when they finally responded to my XX/XX/XXXX letter, the failed to completely comply with the FCRA and remove all of the negative accounts and items I disputed. To date, XX/XX/2020 those disputed items still remain on my Transunion credit file.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

In the wake of the Equifax breach I attempted to get my Equifax credit report and freeze my credit on Equifax. In both cases I received a time-out error message from the Equifax website. I tried the process on 3 different browsers to no success. I understand Equifax 's systems are under duress during this time but it is unacceptable that I can not protect myself due to their incompetence. Furthermore, the fact that they had to be pressured to waive their fee for credit freezes adds insult to injury
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

received a check from Citizens Bank referencing Administrative proceeding File No XXXX - XXXX I asked Citizens if I can have the date that the error occurred so I can correctly adjust my corporate records. 
I was told they do n't know??? 
If they do n't know how did they decide to send me a check. 
I would hope that the consumer Financial Protection Bureau know the answer when did the error occurred. A answer between XXXX and XXXX is not sufficient THANK YOU Sincerely, XXXX XXXX
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (HI)

This is with American Express in the amount of {$1300.00}. I paid it in full on XX/XX/2019 
I sent credit bureaus proof the it was paid off. American express is not removing as outstanding on my report.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XX/XX/XXXXbecause to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Consumer complaint received 2022-08-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, from the U.S Department of education, 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 2021-01-20
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: Sequium Asset Solutions, LLC (FL)

Focus Receivables Management shows up as a collection on my account. I have contacted this company to verify this debt prior to reporting to my credit report. I still haven't received the information yet. I have been with my current cell phone company now for 9 years and there is no way that this debt can be mine since this company is past the XXXX year old. In XXXX of 2020 anther collection agency tried to put this same account on my credit report and still no one is verifying this debt. How can this debt still report on my credit report this company has not contacted me also being with my current company for 9 years.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX This is was my last complaint ID Since XXXX XXXX XXXX doesnt take responsibility for their bankers and doesnt want to remove the accurate report I will try to explain again what happened with XXXX XXXX XXXX 
In XXXX I opened credit card with XXXX XXXX XXXXXXXX, it was my first credit card in my life. I knew that I will have to use it to build my credit score. One time I overpaid and it was showing in my balance {$20.00}! I went to the bank XXXX XXXX XXXX, XXXX, FL XXXX, United States and asked banker if I have to pay to the bank or I overpaid? Banker said I overpaid {$20.00} and I dont have to do anything. In 2 months from that I received a letter from bank that my credit limit was cut on half from {$1000.00} to {$500.00} and my credit score dropped from XXXX to XXXX!! I went to the bank and spoke to manager, she said she will send a paper to Transunion with explanation that it was only the banker fault to provide me incorrect information regarding my credit card balance! I did many disputes with Transunion, I received a letter from Transunion that I won dispute, nothing changed on my score! 
How can I be responsible for the XXXX XXXX XXXX unprofessional workers!? The bank dropped my score for XXXX points down! I wish I knew the name of banker so I could search for legal help in my case. Bank can see my statements with money I keep on my accounts and it wouldnt be any problem for me to pay {$20.00} if I had a correct information from banker! I am trying to contact and do disputes to tons of companies and seems like nobody taking responsibility for the employees! Banker fault is highly affect my life with my credit score XXXX! Please contact the bank address I sent you, they should have sent a report to Transunion where they confirm that it was mistake by banker provided me wrong information. Why am I the only injured party? You know that its impossible to build up again my credit score to XXXX from XXXX. 
Please take an action. Thank you
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

On XX/XX/21, I was scammed. I don't know how I could have been so stupid, but these people are obviously real good at what they do. An email appeared telling me I was being charged {$130.00} to renew XXXX XXXX XXXX. I wanted this to be cancelled ; I was to call XXXX. I wound up speaking to a XXXX XXXX @ XXXX. The form appeared on my screen and I typed in XXXX but it came up as XXXX and somehow they were able to doctor my bank ( PNC ) statement to show that XXXX went into my A/C. The guy begged me to wire back the money ( XXXX, deducting a liitle for my trouble ). The money was wired to XXXX ( XXXX Bank ) and of course when I looked at my actual statement the next day, the XXXX was gone. I contacted PNC Fraud ( XXXX ) and they are trying to get my money back but who knows? Details of the transaction are that the money was sent to XXXX to a XXXX XXXX, A/C # XXXX ; swift code XXXX. The XXXX XXXX email address is : XXXX If there is anything you can do to help me, it would be greatly appreciated.
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc. (PA)

Does your agency have a debt collection license in Virginia? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. I pull my credit report recently and found out that XXXX XXXX XXXX : ORIGINAL CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The XXXX XXXX, did not response with in 30 days. By not replying in timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately. Please answer all those questions on the attachment and send documents we requested. Are your claim is not justified. We will be pursuing legal matters for damages.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas) (AR)

COLLECTOR KEPT CALLING ME ON TWO CELLS 4 TIMES FOR XXXX XXXX CALLS FROM XXXX XXXX XXXX, I NOW hae 11 screens shots for both XXXX AND XXXX, SETTLE {$1500.00} PER CA ; LL OUT OF COURT.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has reached out and reported an inaccurate debt to XXXX, TransUnion, and XXXX. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the XXXX, TransUnion, and XXXX.
Consumer complaint received 2021-11-03
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: TOYOTA MOTOR CREDIT CORPORATION (IN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on TOYOTA MTR. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

Due COVID-19 problem Wells Fargo Bank had offered financial assistance to their customers. Since I've been unemployed due to COVID I have decided to use their offer to skip my mortgage payments for up to 3 months. They accepted my request of XX/XX/XXXX and sent me letter explaining the next steps ( letter is attached ). At the end of XXXX when 3 months forbearance comes to end the bank asked me if I need more assistance. On XX/XX/XXXX I responded that I am ready to restore payments of my mortgage. The bank sent me another letter stating that everything is good, nothing in my mortgage has been changed, missing payments would move to the end of my mortgage payments, etc ( letter is attached ). On XX/XX/XXXX I made my payment and considered that everything is in order. However, on XX/XX/XXXX the bank capitalized the interest unpaid during forbearance and my principal balance has increased accordingly. More, they have reported to credit agencies that I did not paid my mortgage.
Consumer complaint received 2018-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (SC)

Prior complaint XXXX submitted and now closed as CFPB is accepting inaccurate and false information. New York State Higher Education indicates the loan amount is {$26000.00}. However attached supporting documentation clearly shows the loan is {$21000.00}. The payment history is nothing more than a typed document, no letterhead, no official document, anyone can type something up. The term of the loan was 10 years so if you look at the so called payment statement, I still owed over {$20000.00} after paying on the loan for 9 1/2 years?
Consumer complaint received 2015-05-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery calls XXXX of times per month from unique phone numbers attempting to collect a debt. They refuse to provide proof of debt or divulge any information about the origin of the debt. There is also XXXX record of any potential debt on any of the XXXX credit agencies. This " debt collector '' is a scammer attempting to collect debt that is either so outdated that it is past any statue of limitations, or not actually the person that they 're attempting to collect from. 

I am an extremely detailed watcher of my credit reports, so I am 100 % confident this is not a valid debt whatsoever.
Consumer complaint received 2020-07-20
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. (NY)

As of XX/XX/XXXX Experian report # XXXX falsely shows XXXX XXXX listed as a negative item on my credit reports. That account was paid off in full on XXXX XXXX.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (AL)

On XX/XX/2020 I fled for unemployment. By the information, my card was mailed on the XXXX. The date now is XX/XX/2020 and I have yet to receive a card. All contact numbers are automated and don't give the option to speak to a rep to issue a new card. From the Alabama Department of Labor first regave the number, I had already tried. Then suggest cfpb.gov