davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Prior to closing on a new home on XX/XX/2018. The lender XXXX XXXX XXXX  was unable to access my credit report from Equifax. Previously, in XX/XX/2018 I asked that a Freeze be placed on this account to prevent identity theft. During the process of relocating and purchasing a new home in XXXX XXXX my credit report remained frozen. I have repeatedly contacted Equifax via phone calls, on line and regular mail requests to remove the Freeze. They continually tell me that they see a problem but they are never able to resolve the problem. It has been nearly two years that I have been working on this. I am currently waiting for Equifax to contact me with the current status of their investigation. 
This issue has caused me to pay higher than normal rates for Insurance and home loans. 
I am in a desperate need for help to get this resolved. Please send help. 
Equifax : Unfreeze my account, XXXX I am currently trying to refinance my mortgage and this issue is preventing it.
Consumer complaint received 2022-09-11
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. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on in my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Medical Data Systems, Inc. (GA)

On XXXX XXXX XXXX I received a validation packet from MDS with procedures and amounts listed. I asked this company to validate my debts, but not to violate HIPAA I do not know the people that work at this company nor do I sign a HIPAA form giving this company permission to send me my medical XXXX on the dates of service I requested. 
This is a direct violation of HIPAA. 

On XX/XX/XXXX they have decided to send this information to me again, after i contacted them advised them they violated HIPAA, and to remove these debts off my credit. They put it off on the original creditor who is XXXX, but XXXX did not send me anything directly this packet came from MDS
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

I was a member of the XXXX XXXX XXXX XXXX at XXXX starting in XX/XX/2017 but when I began suffering chronic XXXX XXXX from the XXXX XXXX diagnosed after my enrollment I contacted XXXX XXXX in person requesting refund for the unused 11 1-Hr PT Sessions for {$740.00} explaining that the PT is not suitable for me. I followed-up in person and by email on the refund request writing to the Membership Manager, the PT Manager ( XXXX XXXX ) and the General Manager ( XXXX XXXX ) several times over the next few week weeks. But to no avail at which point I requested my bank to process the refund for services not used by me. As a retaliation I was sent a letter from a Collection Agency on behalf of XXXX XXXX XXXX XXXX at XXXX claiming that I owe {$1600.00} which I paid in advance & in full. There is no contract that stipulates they will not refund for unused sessions especially for health reasons which is all I wanted. 

XXXX XXXX XXXX XXXX at XXXX is a unit of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Telephone : XXXX
Consumer complaint received 2021-07-14
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. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2016-02-18
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (AZ)

My account with Paypal was closed on XXXX XXXX, XXXX. Paypal claimed that my funds would be available after 180 days. I accepted these terms, but on XXXX XXXX, XXXX, paypal emptied my account to a near {$0.00} balance ( from {$800.00} ). Paypal claims this was for chargebacks or claims against my account, but no such chargebacks or claims were made ( as verified by paypal when I called ). In addition, I highly doubt multiple customers initiated a chargeback on the same day, 6-8 months after the unrelated transactions. Furthermore, I doubt the chargebacks would be exactly equivalent to my account balance. 

It is clear that Paypal has taken funds out of my account for no apparent reason. Additionally, paypal attempted to do this in an underhanded fashion, waiting until 5 months after my suspension and sending me an email stating " Check your paypal message center ''. The email had no mention of my account being emptied.
Consumer complaint received 2019-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

There is someone using a secrete private surveillance camera in XXXX county Georgia or some kind of crooked law officer correctional officers watching while I'm at my atm an has someone with the same card I have an used my debit card information an took XXXX dollars off my debit card the first time XXXX dollars an XXXX dollars the date XX/XX/XXXX between 6 or 7 early mourning in XXXX county georgia
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section ; States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate Also, I never lived at these address 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXX XXXX, CA XXXX or know anything about them.
Consumer complaint received 2021-11-05
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: V and H Portfolio (TN)

Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing the information, Im aware that the agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached an identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) as my supporting documentation
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (UNITED STATES MINOR OUTLYING ISLANDS)

Re : Account # XXXX On XX/XX/XXXX, I authorized a bill payment of {$800.00} for the XXXX XXXX Credit Card to go to XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
Unfortunately, Capital One 's bill pay system says they mailed the check, but the check was cashed in XXXX, Mn on XX/XX/XXXX. I am disappointed because I have trusted Capital One bank since XXXX and used this service continually and this is the first time, I have had this problem. Capital One 's bill pay service does not work correctly, nor does its dispute service because I called and continued to call just to receive the canceled check weeks later. While my dispute was denied the same day and not one person noted that the check was cashed in a different city and state than the merchant addressed.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank (GA)

I've tried several attempts to get Synovus Bank to remove their reporting error. They have simply ignored their wrong doing and fraud information rhe United States government. I have had no credit card account with Synovus Bank for over ten years. I opened an account back in XXXX and legally settled the debt back in XXXX. The account dropped off my credit file within the appropriate time frame.Years later Synovus has put this old account back on my credit in which first appeared on my file as of late XX/XX/XXXX. Some one appeared to make up dates of missing payments since XXXX and settled out as of XX/XX/XXXX because I haven't applied for credit with Synovus nor have I had a Synovus credit card account in over a decade. They are frauding the United States government by putting this legally settled over ten years ago back on my credit file debt again and to file it as bad debt with the Internal Revenue Service. They are lying and someone is stealing money in their department and frauding XXXX people accounts. They have been very discriminating in their credit practices. are trying to humiliate and destroy my credit well-being to protect someone in their company who is stealing and fraud in the United States government.
Consumer complaint received 2020-07-14
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. (OH)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (MS)

I applied for a surge credit card and was approved for a XXXX dollar limit. Once I received the card i webt thriugh the online account set up. But once I read the interest rate abd fees I hung up on the account activation specialist abd decided not to activate the card. HOWEVER, continental finance still activated my account and though the card was thrown away and never activated for use, they are saying I owe XXXX dollars with XXXX dollars past due. I never activated the card, I never fully opened the account. I decided I didn't like the terms. I thought The account would be closed when the card was not activated. If they did activate the card they never got my permission. AGAIN the card was never used but I have a XXXX dollar ballance? with XXXX due and XXXX past due? What? No way.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (CO)

They call me multiple times a day for a debt that was already taken care of. I have asked them numerous times to verify this debt, and their response is just the amount I owe. Then they try to barter with me and say if I can pay half, they 'll close the account and not send this to the credit bureau. Since they are haggling with me on what I can pay, and do n't verify this debt - I believe this is a scam.
Consumer complaint received 2020-07-14
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. (VA)

Deparment of education/XXXX  is reporting a 90 days late payment in XX/XX/XXXX for 20 different federal student loan accounts with experian & XXXX & 22 accounts with XXXX, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Protection Association, L.P. (FL)

Credit Protection Association, LP is attempting to collect on a disputed bill from XXXX XXXX. I have been in contact with XXXX and the FCC regarding this matter for several months. Nonetheless, in spite of the amount being disputed XXXX placed the account with this agency. The agency was previously notified that the amount is disputed.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am connected to CFPB complaint number XXXX, filed by XXXX XXXX XXXX, an issue concerning an incomplete lease contract for which I was the guarantor. The apartment community, XXXX XXXX   XXXX XXXX XXXX, FL, contacted the guarantee and told her that she had not completed a full lease and needed to sign a final copy of the lease in order for it to be complete and to be able to move in ( there is a voicemail and screenshot of the day the call was received attached ). Having been told by property management themselves that she never finished a required portion of the lease to be liable, she never moved in, nor did she receive keys to the property. 

However, XXXX XXXX XXXX falsely reported to the creditor, XXXX XXXX XXXX, that we had signed a full lease and were liable for the entirety of the rent, a claim the guarantee, XXXX XXXX was able to dispute with Transunion and get completely removed from her credit history. As the would-be guarantor and after filing a dispute over the same issue, Transunion would not remove this very same issue from my credit report. The claims were unfounded, and again, it is the exact same claim that was disputed and ultimately removed from the guarantees credit history. I am asking that Transunion remove this false charge from my credit history, since the other claimant involved in this dispute was successfully able to do so after being found not liable for the amount the property falsely reported to the creditor. The claim the property made was deemed unfounded by Transunion and the guarantee was found to owe nothing to the property, as should be the case for myself as the guarantor as well. The Transunion dispute number for XXXX XXXX is XXXX, and the notification sent from Transunion that the charge had been removed is also attached.
Consumer complaint received 2019-05-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX As we going through the process of our Loan Modification, we have some concerns on the approval of the Lender Investor underwritters. 
We have done some research on the lenders of XXXX  and present and it appears that there is a Fraud, Scandal and corruption committed on XXXX XXXX Loans. 
XXXX XXXX is deceased and she resting in peace in XXXX with our XXXX and XXXX XXXX XXXX. 
Respectfully, We are not in Retaliation against the lenders, but we are very surprise on the unlawful acts of Loan Reps and Lenders that provide it XXXX XXXX Mortgage Loans that was not a Fixed Rate. 
We have given Authorization and Consent of Privacy Release for U.S Senator XXXX XXXX on issues of Lenders and Consumers Financial Protection Agency Investigations. 
We are respectfully requesting that a Federal Investigations will be implemented of the unlawful acts of lender and reps. 
THIS IS A EXTREME URGENT MATTERS!!
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian has not sent me ay verified or original documents of the creditors documentations on file to verify and bankruptcy that wa place on my account under sections law 616 and 617 if they don't do within 30 days it is to be deleted immediately they have failed to comply with my request and under the FCRA they stated this account has been verifiednbut has not provided me documentation
Consumer complaint received 2021-09-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX, XXXX sent first letter out to Equifax and XXXX ( regular accounts, medical accounts and bankruptcy ) XX/XX/2021 I sent 30 day comply letter ( certified mail ) it is now 3 weeks past the 30 day mark.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (CA)

On XX/XX/18 I made contact Diversified Consultants to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( DCI ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on DCI 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC (WA)

Left several messages with the following on our voice mail : " This is a final courtesy call with the Weinburg mediation group. Before reporting that you have been uncooperative with the investigation against you. If we do not hear from either yourself or your legal representation today, we will be left with no other recourse other than to report your non compliance in this issue to the proper jurisdiction. Our office number is XXXX. '' When we spoke to them to let them know that my husband is military so garnishing his wages would be illegal he than cursed at us and said he'd see us in court after they sue us. They've also said that he would need to be at his job the next day because they would be coming to serve him court papers.