davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
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)

XXXX XXXX listed the negative item on my credit report under another name ( XXXX  XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (SC)

RUSH CARD is a prepaid company that will pay you your check 2 days early.however I did not get paid two days early however when I did get paid they took XXXX from me which resulted in an overdraft charges to my other bank. I went to pay for food and the card decline after being told they fix the issue based off there website. I have tried to contact customers service and.after u press XXXX for.Customers service they disconnect the call.
Consumer complaint received 2021-11-30
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: First Advantage LNS Inc. (NJ)

I AM NOT LIABLE FOR THIS DEBT WITH XXXXXXXX XXXX XXXX XXXX  AND I DO NOT HAVE A CONTRACT WITH NATIONAL CREDIT AUDIT CORP. THIS IS A FALSE ACCOUNT. # XXXX DATE OPENED : XX/XX/2021 AMOUNT {$10000.00}. I HAVE ALREADY ASKED FOR A PROPER INVESTIGATION AND HAVE NOT RECIEVED XXXX. NEITHER COMPANY HAS VALIDATED THE DEBT. NEITHER COMPANY HAS SENT DOCUMENTS CONTAINING MY WET SIGNATURE PROVING I OWE THIS ALLEDGED DEBT. I DID NOT CONSENT OR AUTHORIZE NCAC TO OBTAIN MY INFORMATION AND CONTACT ME. THEY HAVE BEEN ADDING NEGATIVE MARKS TO MY CREDIT REPORT WITHOUT MY CONSENT AND REFUSING TO REMOVE THE MARK. ANYTHING DONE ABOUT ME THE NATURAL PERSON WITHOUT MY CONSENT IS IDENITY THEFT. AT THIS POINT THEY ARENT SEEKING TO AVOID LITIGATION, AFTER CLEARLY BREAKING FCRA LAWS. IAM SEEKING LITIGATION AS OF NOW
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (VA)

Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' CBCS Company, a XXXX XXXX XXXX. 

I am being contacted for a debt that I do not owe. This is a consumer loan with XXXX. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX. XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. 

Attached is collection letter from CBCS. I have attached also most recent Consumer Loan Statement, from XXXX, for this account, that clearly shows Mr. XXXX 's name, and Not mine. 

Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked XXXX to remove my name from loan, and it was refused. 

I ask that XXXX make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. 

BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE CBCS LETTER, Dated XX/XX/2020. 

Thank you for any assistance from CFCB regarding this issue.
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2022, i send a certified mail to Portfolio Recovery Associates LLC regarding some collection account on my credit report, XXXX XXXX # XXXX, XXXX XXXX XXXX and XXXX # XXXX, that I'm not liable for this debt and i want them to provide me with the original application, Explain what this account is, who you are collecting a debt for, Provide me the address of the original creditor you use to obtain validation for this debt, Show me you calculated the alleged debt balance, Provide me the original paperwork that show I agree to pay this amount and Provide me the billing statement identifying the last date of delinquency, which identifies the status of limitation for this alleged debt. 
Portfolio Recovery Associates LLC failed to provide me all the documentation I had ask for, also I believed that they are reporting false information on my credit which had have a negative impact on my credit report. They violating my right 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 states that a consumer reporting agency can not furnish a account without my written instruction I have attach the letter I mail to them also, the letter I had received back from them.
Consumer complaint received 2020-06-03
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. (LA)

To whom it may concern : My name is XXXX XXXX.On XX/XX/2020 I mailed off a copy of my ID and SSN Card and dispute for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NJ)

On XX/XX/XXXX I withdrew XXXX Ether from my Binance.us wallet to my XXXX XXXXXXXX. On XX/XX/XXXX. I withdrew XXXX Ether from my Binance.us wallet to my XXXX XXXX. This is important to note because with in the hyperlinks below you can see the transaction occur from wallet id : XXXX ( which is a Binance.US wallet ) and not my actual Binance.US wallet which is XXXX. My XXXX XXXX is XXXX. 
Stated Transaction XXXX XXXX XXXX XXXX Stated Transaction XXXX XXXX : XXXX I've stated the above for two reasons, the first of which is that Binance.US is staking my ETH without my consent and earning yield on my assets. The second is, when I tried to transfer my ETH back into my Binance.US account it went to the wrong address which is a Binance.US custodian account and not my personal Binance.US account. This address is the one provided to me when I scanned the QR code in my account. Binance.US has confirmed that this report is accurate, but they are now dragging their feet on crediting my account with XXXX Ether. This transaction 'error ' is noted in the etherscan web page below XXXX XXXX XXXX XXXX Can you please help me?
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (MD)

I was notified by XXXX/Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX on XXXX XXXX, 2017 regarding an alleged debt. 

On XXXX XXXX, 2017 this debt was paid and I was told the account was closed. I was also told I would receive a letter stating the account has been closed. 

As of XXXX XXXX, 2017 I have received no confirmation letter stating the account has been closed. Source Receivables Management has taken payment to close an account and has not closed the account.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

This is a continuation of former complaint ID : XXXX. After Barclays had credited all the fraudulent charges from XXXXXXXX XXXX {$850.00}, and given me a {$5.00} credit XXXX XXXX in their statement dated XX/XX/2021, I closed the account ending in ... XXXX, which Barclays acknowledge in a letter dated XX/XX/2021, and distroyed my card. I assumed at this point no further charges could be added, but yesterday, XX/XX/XXXX, I received a statement from them showing I owed {$170.00}, a {$180.00} fraudulent charge, again from XXXX XXXX, made XX/XX/2021, minus the {$5.00} credit. As I write this complaint, I have been on hold with Barclays for XXXX minutes. 

How do I fix this so I will get no further fraudulent charges and totally disassociate myself from Barclays and never hear from them regarding this account. This account and Barclays has tied me up for hours due to the bank 's incompetence in handling this matter and seemingly making it very difficult to report fraudulent transactions. 

Before completing this complaint, after XXXX minutes on hold, XXXX (? ) at Barclays agreed to have the charges reviewed for fraudulence. But I still want this followed up by the CFPB. Thank you.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (DE)

THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CONVERGENT OUTSOURCING, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I have never signed a CONTRACT or PROMISSORY NOTE with the company CONVERGENT OUTSOURCING.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (MN)

my husband was involved in a XXXX XXXX collision and hospitalized. we lost his income for 30 days. Durring that time all I could cover was our mortgage and utilities. I explained the situation and they continued to call me each hour on the hour while I was at work. They demanded to know who my employer was and threatened to call my boss. they told me if I didn't pay they would garnish my wages. I made a payment over the phone totaling {$310.00} so they would leave me alone. Then I had to go to a food shelf because that was all the money me and my husband had. They are a scam. 

when XXXX XXXX offered me their credit card at the register, I thought it was a real XXXX XXXX credit card. Instead I got this card from XXXX. They tripled my payment within 6 months. It is a complete scam. 

I am working through a debt management plan and they refuse to work with me. They told me I should file bankruptcy because unless I do they are going to get their money from me.
Consumer complaint received 2022-04-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent in a dispute letter to all three bureaus and I did not receive any update after 30days. I then sent in another letter stating they did not respond and begged for a response. After 60 days I have not heard anything.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was making payments to the mortgage company but due to an unforeseen decrease in income ( DUE TO COVID ) and ( REDUCED HOURS ) payments were not able to be made going forward. Tried to contact the company to set up a payment plan and Requests Mortgage Assistance ( 3 times ). Requests were denied. The did not allow me an opportunity to submit a loan modification/meditation modification to save my home.I I have resided in this home with my family since XXXX and would like to remedy and remain in my home with my family. The bank is forcing me to sell my home and is not giving me the opportunity to try and retain ownership of my home. My sale date is XX/XX/XXXX which is ample time for me to be able to submit a loan mediation package. 

I was also never given an opportunity to submit a loss mitigation packet. 

I kindly consider if you would please assist me and aid me in retaining ownership of my home.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

I have just talked to Seterus representative, and asked him the same questions. I understood that he could not provide me with the answer I wanted, except to go through this process. 
1. Question : why I am not qualified to pay property tax myself? I have been simply told that I can't - due to the home Affordable loan period. However, even in the company 's response on page 34, a Q & A page,  which reads : " Do I have to carry an escrow account on my mortgage loan? A : Your loan documents will determine whether you qualify for an escrow account closure. If you feel you qualify and want to request an account closure, please call us at XXXX. '' It seems to me that there is a way to close the escrow account for my loan. I need Seterus to  explain to me how and why I am not qualified to close the escrow, since it has been a problem from day one of this mortgage. I have been asking the same question from XX/XX/XXXX, 4 months passed I still do not have the answer. 
2. I was told again that the escrow account request is again increased this year, and I need to pay more into it, to have the account become prepaid. I do not understand why I have to be requested to prepay tax to the server of the loan, and the amount has been increased more than the tax increase. I felt it is just a way the company tried to punish me since I have chelanged the company. 
3. I am willing to pay the {$1600.00} for XX/XX/XXXX mortgage, according to the schedule that listed in the company 's answer, and additional {$76.00}, which XXXX said is due to the shortage of XX/XX/XXXX and XX/XX/XXXX ' original payments. These extra amount, should go to escrow account as a prepayment of the tax, as XXXX explain to me. Therefore, when the loan refinanced, the amount should stay in the escrow. Please waive all the additional fees and charges, since I did pay each month on XX/XX/XXXX and XX/XX/XXXX, and I also paid XX/XX/XXXX mortgage in XX/XX/XXXX. 
Thanks, XXXX
Consumer complaint received 2023-01-18
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. (GA)

XXXX XXXX reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted XXXX and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact XXXX XXXX and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TN)

PLEASE MAKE SURE YOU READ ALL OF THIS YOU WILL BE HELD LIABLE FOR KNOWING THAT YOU WERE GIVEN A CHANCE TO STOP VIOLATING THE LAW. 

This company is a fraud. They have put something on my credit without giving me chance for verification. Per Federal Law, XXXX XXXX XXXX, XXXX XXXX XXXX, and Commonwealth Financial can not prove I owe this. If this is not removed from my credit report immediately I will contact my attorney and sue each of you for damages. You might want to read the law. It is the job of the collection agency to prove ownership and you have yet to do so.
Consumer complaint received 2022-05-01
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. (CA)

On XX/XX/2021 I sent letters to XXXX, Experian and XXXX asking them to provide me with verification of proof of XXXX  # XXXX and XXXX  # XXXX.I sent up a follow up letter on XX/XX/2021 and they failed to respond validating the reporting of Bankruptcy which is a FDCPA violation because they continued to report the bankruptcy without proof. They ( XXXX/Exp/XXXX  ) responded stating that they " verified '' these both case numbers/bankruptcies through XXXX XXXX and XXXX. 
I contacted XXXX XXXX and XXXX directly and court responded that that they do not share my information with any credit bureaus. XXXX XXXX sent me letter and deleted bankruptcy from their records. 
On XX/XX/2021 I sent XXXX XXXX letter to all XXXX credit bureaus ( XXXX/Exp/XXXX ) and showed them deleted bankruptcy, informing them that if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. On XX/XX/2021 I sent notification with intent to file for FCRA violation and they keep responding bankruptcy " verified ''. They have once again refused to delete these items which is imploding on my ability to purchase a home and car and causing me to pay thousands more in interest every year.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

Chime closed my everyday checking account with over XXXX Im my account. They asked me for information about a XXXX $ deposit which was a grant from sba not a loan. I gave them all my information including documents from sba also with my name and sba phone number so they can verify with the company if they needed more information. I provided my utility bill along with the front and back of my Drivers license. They said my account was not in compliance its their rules and closed my account with my funds in there. I have lost a substantial amount of money which made things very difficult in finding the right way to go about this situation at hand. The date was XX/XX/2020 I will provide all of the photos and email that i provided to them. I recently reached back out to them and I received an automated email saying they received my email but I have not received anything back so now I dont know what to do to get in touch with the company to get my money back.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (WI)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX {$94.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; 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 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 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recheck, Inc (KS)

On XX/XX/XXXX, received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX, from XXXX XXXX, regarding my daughter to vacate the apartment. I had co-signed for her, with the understanding my name would be taken off the contract in 6 months. There was no discussion of me going into the office and filling out new paperwork. That is what this office personnel is trying to do to connect me with this outstanding amount of {$1200.00}. She has on this notice, the date of XX/XX/XXXX, apartment # XXXX, from a good neighbor policy, that someone had a complaint, so they were just going to try and evict my daughter. 
I later received from : Recheck, XXXX XXXX XXXX, XXXX, KS XXXX, notices on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I spoke to the woman in the collections office numerous times and she is very aware it is my daughter 's debt, not mine. I was misled by XXXX XXXX regarding this procedure, and have not signed any paperwork regarding the procedure this company, so called established. Very poor communication and management. They have since, by the City of XXXX and XXXX, KS, had to condemn multiple apartments due to unfit conditions and them being run down. I am not responsible for this debt.