davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
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: ENCORE CAPITAL GROUP INC. (CA)

I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I filed a Complaint with Experian as they are the only one of the 3 major reporting Companies who are continuing to illegally show information that they are required by law to remove from their report full of lies. 

They are criminals and have been doing this for years. Is anybody ever going to do something about these Criminals? EVER?
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

I advised Experian debt wasnt mine and advised them that i never had the company and that my wallet got stolen in high school with my social inside, sent XXXX XXXX XXXX a debt validation letter over XXXX days ago and the debt still havent been verified, and Im trying to take care of this once for all and disputed with Experian after not receive debt validation request and was advised information was accurate
Consumer complaint received 2021-09-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I called TransUnion and XXXX in regards to the XX/XX/XXXX settlement initiated by the Attorney General of New York against the XXXX major CRA 's. It 's my understanding that they have 3 years to implement the changes lined out in the agreement. One item that I read that supposedly took effect in XX/XX/XXXX was to remove paid medical debt that the creditor or collection agency, etc. had reported paid and closes. However, when I called TransUnion and XXXX, they were clueless to this. They said that my paid medical debt ca n't be removed but they could possible file a dispute. I explained that it 's not my responsibility to file a dispute. It 's my understanding that the CRA 's " have '' to remove the paid medical debt from the credit report. I could n't get either company to let me speak to someone " higher up ''. Please advise if I 'm correct on the removal of paid medical debt, and if I am, please help me to get the CRA 's to remove this from my credit report.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

In XX/XX/2007 we file bankruptcy. we reaffirmed on our home loan threw XXXX are attorney had are APR Modified under reaffirmation to 7 % that XXXX said was a fixed rate. If we paid on time every month it would drop 1/4 % to a cap of 5.5 %. Are loan was at the 5.5 %. our payments were {$560.00} a month as of XX/XX/XXXX. At the end of XX/XX/XXXX XXXX sold our loan to a company called Rushmore we received a bill end of XX/XX/XXXX that said if we paid before a certain date to pay beneficial then every payment there after was to be made to Rushmore. It was stated that everything would stay the same. we paid XX/XX/XXXX and never received a bill for XX/XX/XXXX. I called Rushmore and they stated that they did not have to send us a bill because we are still in bankruptcy. They told me our payment was now going to be {$950.00} a month and our APR is at 9.48 % They stated to me that they can do what they want with our loan because they now own it. I contacted XXXX at XXXX I was told that nothing should have changed. Rushmore will not provide us with any documentation of why they think they can go against our bankruptcy agreement.
Consumer complaint received 2021-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (MD)

I am trying to get a HELOC with TD Bank. I feel I am the victim of Red lining. I fully renovated a home in XXXX. The bank refused to go inside to see the renovations. 
They only did a drive by. Similar Houses are selling in the area for at least XXXX. They would only do the heloc for XXXX. Please investigate.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (DC)

My CashApp account was closed about a week ago. I of course reached out to Customer Support and all they could tell me was to read their Terms of Service. When I called to see if I could get more information the Advocate was quick to hang up on me, didnt even allow me time to ask clarification questions. The Customer Support is severely lacking. I decided to simply disregard my old account and count my losses. When I finally understand why my account was closed, which I had to read their lengthy XXXX  to figure this out, I called to ask more clarification questions. When I asked if doing this [ XXXX XXXX, CashApp doesnt allow gambling ] would violate the XXXX  the support advocate said they dont know. When I asked if this would lead to account closure the advocate literally told me, a customer It might or it might not. This goes to show their XXXX  is just a bunch of words to them and their support team has to be among the worst and least helpful.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Adelante, Inc (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On Today, XX/XX/, 2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and XXXX.
Consumer complaint received 2019-03-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

I have a Health Savings Account ( HSA ) with XXXX XXXX  through XXXX/The Bank of New York Mellon for quite a few years. The account has not been particularly active, but during the second week of XX/XX/XXXX I transfered {$3500.00} online into my HSA account and it left my bank account on XX/XX/XXXX. Today, XX/XX/XXXX, I checked online into my HSA account and did not see the {$3500.00} credited. I then called XXXX XXXX and was told that the HSA account was closed by them on XX/XX/XXXX for inactivity. I received no notice from Benefit Wallet of the closing of the account, the representative told me today that there is no notice to me that the account closed, I was still able to go online and contribute to the HSA account that I just learned has been closed almost one year, and I have not been credited back the {$3500.00}.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

I tried to close my account with CashApp and after confirming in the android app that I wanted to close my account, I was prompted to enter my phone number. There was no confirmation of account closure after hitting the confirm button for account closure. Instead of closing my account, it re-opened my account and sent me through the registration process again. I had to repeat the process and remember not to enter my phone number the next time. 

This is a dark pattern of customer retention and should be outlawed if it is not already illegal.
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (TX)

Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : XXXX, Equifax and XXXX, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: NCB Management Services Inc. (AR)

On XX/XX/2024, I requested proof that a loan is owed to the company of NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX No response has come from the company and my Credit Report still reflects this.
Consumer complaint received 2017-09-05
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. (TN)

Transunion removes a ch XXXX dismissed from my credit report and then added it back I was not given a 5 day reinsertion notice need to be remove.
Consumer complaint received 2021-09-04
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: Resurgent Capital Services L.P. (CA)

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/24, I opened a checking account XXXX to PenFed with {$5.00} fee for the sole purpose of applying for credit cards to do a balance transfer. On XX/XX/24, I spoke to PenFed representative and he explained the various products ( credit cards ) and I explained in detail that I required $ XXXX to pay-off a balance transfer. The representative disclosed that the credit card limits as follows : XXXX XXXX $ XXXX, and Visa XXXX  $ XXXX, and so I took his recommendation and submitted for both cards separately so that I could get approved for both cards totalling $ XXXX. On the same date, I received a conditonal approval for $ XXXX pending proof of earnings, and received a declined on the $ XXXX. The PenFed representative said that the decline would come via first class mail and so I requested to speak with a manager and was told that she/he would return my call. The representatives stated that the decline letter comes in the mail which, I believe would take up to XXXX days before I receive it. I will apply to appeal the decline through all governmental agencies to denounce these practices which, are deceptive and misleading marketing tactics against minority groups.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (GA)

In XXXX an Item with Account Control Tech ( ACT ) for XXXX XXXX University was placed on my credit. I immediately disputed the debt with ACT as well as the credit agencies and It was removed from my credit report. I also contacted ACT directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX  and never paid. I told them verbally that I never attended XXXX  and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XX/XX/XXXX ACT placed the item back on my credit.
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.
Consumer complaint received 2017-09-05
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. (CA)

XXXX XXXX reported my account 30 days late to Equifax Credit Bureau for the month of XX/XX/XXXX. The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to XXXX XXXX XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
Consumer complaint received 2017-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX  paypal funds a loan for {$8000.00} at 30 % repa y Paypal b alance was {$19000.00} XX/XX/XXXX  Paypal deactivates my account/debit card and ability to process transactions without notice.  <P/>  XXXX   XXXX   Paypal reactivates my account.   <P/>  XXXX   XXXX   Paypal s ets a {$10000.00} + 18 % reserve on my account. Seizing {$10000.00} indefinitely and applying 18 % of sales to a 90 day rolling reserve. Taking a collective 3 % transaction fee, 18 % rolling reserve fee + 30 % loan fee = 51 % of gross + {$10000.00}  XX/XX/XXXX   Paypal denies my claim to speak with a representative about revie wing my case for a minimum of 90 days.  <P/> I liquidated inventory to cover expenses I had fallen behind on from a slow   XXXX   sales year.
Consumer complaint received 2017-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc. (SC)

On XXXX XXXX XXXX I sent CBCS a letter requesting validation of an account they stated I owe. CBCS states I owe XXXX for a XXXX XXXX XXXX XXXX credit card. When I first received a collection notice from CBCS I checked my credit reports and determined that the XXXX account they are attempting to collect is not my account. I tried to get validation from the original creditor but they did not provide a contract nor an agreement that bears my signature. I disputed that account with XXXX through the Consumer Finance and Protection Bureau which was turned over to the Office of the Comptroller of the Currency ( OCC ).
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My account has been frozen since  XXXX   XXXX . I am unable to login, move, or withdraw funds. These are funds I depend on for my living expenses and Huntington bank has not given me any time frame or answered any questions regarding the freeze.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (IA)

On XX/XX/2021 I sent a letter to DISCOVER FINANCIAL SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Green & Sons Agency, Inc. (UT)

I have been continually harassed by XXXX XXXX XXXX for years over alleged medical debt XXXX XXXX XXXX ( XXXX ). They called my work many times while I worked in a XXXX workplace and were requested to stop. 

Several times they called to confirm I worked there and then hung up on me. Calling and hanging up on someone and not identifying your self is in violation of the Fair Credit Reporting Act. 

I requested from them numerous times of evidence that I had an agreement or contract for the alleged medical debt. The only evidence they had was an invoice but no contract or legal agreement. 

On XX/XX/2017 I paid {$2100.00} to XXXX XXXX XXXX for said medical debt. Please see the attached document showing I have paid the alleged debt. I checked my credit report on that date and today and the collection still exists.
Consumer complaint received 2017-10-16
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. (GA)

THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD CAPITAL XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX AUTO FINANCE XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX FCU XXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX/XXXXXXXX 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 RENT GROW XXXX/XXXX/XXXX
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (AL)

Pending transaction on XX/XX/19 that hasn't even cleared yet caused two overdraft charges in the amount of {$72.00}. The charge is still pending but two overdraft charges POSTED before that charge. I have a pending deposit today that would cover that pending charge but they have gone ahead and charged me {$72.00} to ensure they get their money. It is not right. They are taking advantage of people who are already struggling. I attempted to resolve with XXXX but she told me that's just the way they post things and I could close my account if I had a problem with it.
Consumer complaint received 2022-08-10
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. (VA)

I overpaid my XXXX XXXX account in XX/XX/2022. I should not have any payment for XXXX. XXXX XXXX reported me as missing a payment. I pulled my credit today XXXX XX/XX/2022 and the balance is incorrect XXXX. I paid XXXX XXXX in full on XXXX XX/XX/2022. I haven't missed any payments and overpaid them in XXXX. XXXX XXXX refuses to correct this on my credit report. I have filed multiple disputes with XXXX, XXXX and Experian to no avail.