davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

A debt validation was sent to MIDLAND FUNDING as it reads on my credit report on XXXX, requesting documents to validate the debt in question in the amount of XXXX within a reasonable amount of time of 14 days. MIDLAND FUNDING LLC responses a month later with a document with two different names on it, MIDLAND CREDIT MANAGEMENT ( ALL CAPITAL LETTERS XXXX FOR THE HEADER, AND MIDLAND FUNDING LLC on the back of the document stating that there investigation on this matter could take up to 90 days. After this a complaint was filed with the CFPB showing that there document that was sent to me stated on the back that the account was charged off XXXX from the original alleged creditor XXXX XXXX XXXX XXXX XXXX, which was paid off from the very first day that my wet ink signature was given to them, without full disclosure provided to me on the real terms of the loan. so anything after this could not constitute a contract between me and MIDLAND FUNDING LLC. Recently MIDLAND FUNDING LLC responded to CFPB on XXXX stating that they were working on the dispute. In the meantime this debt has been removed from all three credit bureaus, and i have not received any CREDIT REPORTING REMOVAL documentation from them. It should not take 30, 60, 90, or 120 days to either send the proper documentation to validate the debt, or send the proper documentation to discharge this debt. you already have all documentation that is needed from certified mail and the previous dispute that is still open, so nothing will be uploaded in this complaint/.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi I applied for a credit card in the month of XX/XX/2021 and capital one was trying pull all three credit bureaus but XXXX and XXXX was frozen and so they only pulled XXXX and my credit score with XXXX is XXXX and I was only approved with credit limit of {$300.00} which is weird with a good credit XXXX card and I would like another credit review on my application on my credit XXXX card or I would have to close this account and reapply this is very odd I should been approved for higher credit limit according to capital one XXXX the minimum credit limit should been at {$1000.00} not {$300.00}
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing this to request that my credit reports be updated to reflect accurate data. I filed a complaint through the CFPB portal to dispute a debt collection attempt from XXXX XXXX that was not valid. Below is their response. They have agreed to remove the collection, " In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. '' I ask that this information be reflected immediately on my reports, thank you. 

Original Complaint ID : XXXX Response From XXXX  : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : XXXX placed an account for you in our office to collect a balance of {$2000.00}, on their behalf. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the only communication we have received on behalf of this account. The credit bureaus term account open date XX/XX/XXXX, means the date when we were assigned the collection account from our client. This does not affect or falsify how long the account will remain reported to the credit bureau. The amount of time the account will be reported to the credit bureau report is determined by the original delinquency date XX/XX/XXXX, as reported to us by XXXX. In an attempt to help you find resolution, we have forwarded a copy of your complaint to XXXX. In response, XXXX has provided an explanation of the account. We have attached a copy of their explanation for your convenience. We will mail you a copy of the statements provided by XXXX. 

In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. 

Please note that XXXX considers this balance to be valid and owed. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at XXXX XXXX , XXXX .
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (HI)

I have a late for XXXX 30/60/90 on my credit however I have paid all minimum payments or larger. They are telling me it will take 3 billing cycles which is NOT acceptable.
Consumer complaint received 2020-10-25
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: Chime Financial Inc (IL)

On XX/XX/2020 I had a total of {$78.00} in my checking and {$230.00} in my savings account through Chime Bank. A person named XXXX XXXX hacked or got into my account somehow and transferred the {$230.00} out to my savings and sent herself {$190.00} transfer. I havent received my {$190.00} dispute nor have I received the other money thats missing because I now have a negative checking balance but when the person transferred over the {$230.00} the balance should have read {$310.00}. If the person took {$190.00} of {$310.00} total wheres the other money? Chime bank states they arent sure.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

An account was opened fraudulently under my name with an unknown consumer and XXXX XXXXXXXX XXXX. After addressing the issue with XXXX XXXX XXXX, they stop reporting the fraudulent account and closed it. LVNV Funding LLC has been reporting the same alleged debt since XXXX. XXXX XXXX XXXX has recently reached out to myself and the CFPB that they do not have any association with LVNV Funding LLC, nor have they sold the debt to LVNV Funding LLC. After several written requests sent to LVNV requesting they provide proof of my signature in respect to alleged claim/contract and other relevant documentation that I, as a consumer, am entitled to under Federal Law ; LVNV Funding LLC has not validated the alleged debt and still continues to report it to the credit bureaus, particularly XXXX  I have also contacted the Consumer Financial Protection Bureau with complaints against al parties involved, including XXXX an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Consumer complaint received 2021-04-30
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: Experian Information Solutions Inc. (FL)

There are 6 accounts on my credit report that do not belong to me I need these removed asap I have filed for FTC I have been disputing these since XXXX of 2020 and I am getting pretty ticked off since I am spending days and days on these trying to save my credit from accounts that are not mine they do not belong to me I have no idea how these are on my credit and who put these there. I own no such cards or accounts. 

Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

To whom it may concern, one of the Major Credit Bureaus Equifax exposed the personal data of over 147 million individuals. The personal information exposed included consumers names, date of birth, socials, address, drivers licenses numbers, along with other personal information. Unfortunately, I was one of the 147 million individuals. As a result of this data breach I have become a victim of Identity Theft, my personal information has been used to open several accounts against my knowledge. This has affected me mentally as well as financially as this has caused my overall credit worthiness and credit score to suffer greatly. 

I am currently in an ongoing court case ; I have filed a suit against Equifax as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XXXX  : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the Equifax data breach.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (TX)

Hello. I am continually being harassed by Receivable Performance Management about a debt that has false charges on the account.  On XX/XX/XXXX, I spoke with a representative and was told that they would put in a dispute for the amount of the false charge, they did not, instead they put in a dispute for something that i said nothing about and refused to review the recording so that they could hear that was not what I said. Also in the same conversation I was told that I could do a payment plan for a the amount of {$5.00} per month, when I received another call from them and told them I want to proceed with that plan once the false charge is settled, I was then told that I can't do a payment plan for that amount when I was clearly told I could. Also any time I ask to speak with a manager either they lie and send me to another rep, or when I insist on speaking with one they hang up in my face ( that conversation is recorded also XX/XX/XXXX ). I also attempted to get the recording of my conversations, I was told that I was being transferred and was hung up on twice. The manager that did this is XXXX XXXX. This company is very aggressive, deceitful and very disrespectful. This type of treatment is unacceptable. 

Best.
Consumer complaint received 2020-07-17
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. (NY)

Regarding previous complaint XXXX, I received a call from XXXX at XXXX XXXX on XX/XX/XXXX advising me that they were able to find the loan information and stated that it was still in their collection department and told me that a supervisor will cll me back to advise on how to settle it, when I did not hear from them I called on XX/XX/XXXX and was again advised that someone will call me back. When I did not hear back I called again on XX/XX/XXXX and spoke to XXXX who advised me that a 80 % settlement can only be approved from the supervisor XXXX. I received a call from the supervisor who approved the settlement. I went ahead to a branch and paid the settlement balance XXXX $ in the form of cash, and the rest in a check on XXXX. Once I made the payment I called the collection department and informed them of it they told me that I would have to wait for the check to clear before I can be sent a settled in full letter. On XX/XX/XXXX the check cleared and I again called to request the letter, I spoke to the Supervisor who advised me that it would be done. On XX/XX/XXXX when I did not get the letter I called XXXX collection again and was transferred to the customer service department and spoke to XXXX who informed me that I would not be able to receive a letter as the account is not saying that it is settled and still has a balance. I called the collection department again and was told I have to speak with the supervisor a message was sent to it asking him to call me back. On XX/XX/XXXX I got a letter from the XXXX written by the supervisor listing my name with my previous address ( even though I corrected it many times with the collection department and addressing me as a different person.
Consumer complaint received 2019-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I read about the Navient lawsuit alleging that they steered loan recipients to forebearance when an income based plan would have been better for them. Navient did this to me. I was in forbearance for years after I graduated when I could have been on an income based plan and still had no monthly payment. That would have been a better option for me.
Consumer complaint received 2021-04-30
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. (MI)

I purchased a vehicle in XXXX. Financed through XXXX XXXX XXXX. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a 30/60/90 late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.
Consumer complaint received 2019-05-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

SIGN A ADJUSTABLE LOAN AND DID NOT READ THE 30 PAGE CONTACT WITH HAD A BALLOON LOAN AT THE END OF IT AND FELL BEHIND ON PAYMENTS LAST YEAR AND SCHEDULED A APPOINTMENT WITH WELLS FARGO TO GET OUT OF THE LOAN INTO A CONVENTIONAL LOAN EVEN KNOWING I WAS GOING TO SIGN FOR ANOTHER 5 YEARS BUT THEN WAS TOLD DUE TO THE WAY THE PAYMENT WERE BEING PAY AND STILL BEHIND COULD NOT GET INTO AND NOW RECEIVING LETTERS ON THE HOUSE THAT IT IS IN FORECLOSURE AND NOW LOOKING INTO THIS PROGRAM AS A XXXX XXXX VET.
Consumer complaint received 2023-01-20
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-20
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. (OK)

Contacted EQUIFAX on XXXX at XXXX pm went through all the prompts and verification once rep came on the line asked if I could be mailed an election form which pursuant to 15 USC 1681b I can elect to have my name and address excluded from any list provided by a consumer reporting agency I was told to hold on only to be put back into the que so I hung up
Consumer complaint received 2019-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (SC)

I bought a XXXX XXXX XXXX in XXXX of XXXX do almost XXXX I've be late a couple of times but always paid and here it's XX/XX/XXXX and I still owe the same almost. I got a couple of deferred payments I'm still where I started. I'm XXXX years old and struggling.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (WI)

On XX/XX/XXXX I made charges on my TCF debit card. TCF posted three of the charges on the XXXX and three of the charges on the XXXX. Also on the XXXX I made a XXXX XXXX dollar cash deposit. TCF only made XXXX of the XXXX XXXX available. Causing four overdraft fees of XXXX each. The remainder of the XXXX XXXX would be released the following day. 
First of all " who holds cash deposits ''. What is the reason? If TCF would post in real time I would have no overdraft fees. Instead they post in what ever order gets them the most fees. Something they have already been sued for. They have been doing this to me since I opened my account. They should be stopped!
Consumer complaint received 2019-05-30
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. (AR)

ONCE AGAIN! EXPERIAN IS FALSELY REPRTING 2 XXXX XXXX BANK ACCOUNTS AND XXXX XXXX XXXX AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED 11 TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

I added XXXX $ to my cashapp account on XX/XX/XXXX. It was sitting in there for XXXX days and was approved by my bank. I checked my account on XX/XX/XXXX and the XXXX $ was gone from my balance and the transaction said XXXX $ failed XX/XX/XXXX. I contacted cashapp support and they said since there was a past dispute for XXXX $ back in XXXX from my bank the transaction was reversed and to contact my bank for more details. I contacted my bank and they said the dispute was declined and they have no record or indication of them cancelling the new XXXX $ add cash for XXXX. The only thing they had was that the XXXX $ add cash was successfully received to my cashapp account and to contact cashapp support again. So I contacted cashapp support again and they said the XXXX $ transaction was reversed and contact your bank for further details and hung up on me and refused to answer where my money is or if it was going back to my bank account.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (FL)

On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX unauthorized inquiries on XXXX XX/XX/XXXX : -XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a CapitalOne Master Credit card opened on XX/XX/XXXX. However, on XX/XX/XXXX, I missed a Payment on the credit card and a late payment was reported to my credit report. The reason for the late payment was that I lost my grand mother, and my work was in an area that was affected by a natural disaster in an area that was sealed off. Long story short, I was going through some challenging time. I have since attempted to resolve this matter by asking capital one to remove the late payment and also turned on Auto pay to avoid any missed payment in the future but only received a general template letter responses to all my request. I have sent a total of 7 letters.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (NC)

This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My loans were in forbearance until the month of XX/XX/XXXX. In XX/XX/XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX   has not reported since XX/XX/XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.