davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (NY)

X/XX/17 - ACH Payment made thru XXXX XXXX for rent payments in the amount of {$200.00} and {$43.00} X/XX/17 - XXXX XXXX account shows payment applied. X/XX/17 - KeyBank available balance reduced by {$200.00} and {$43.00}, however transactions DO NOT appear, funds are simply " removed '' X/X/17  - Keybank available balance increased by {$200.00} and {$43.00} X/X/17 - XXXX XXXX receives returned funds and charges my account with 2 {$20.00} NSF Fees X/X/17 - Keybank claims account NEVER was reduced by {$200.00} and {$43.00} - no attempts to ACH ANY funds were ever made by XXXX. Claims I am incorrect and funds were NEVER removed.
X/X/17 - Attempt # 2 - {$200.00} ACH Payment made thru XXXX XXXX for rent payment in the amount of {$200.00} X/X/17 - XXXX XXXX  account shows payment applied. X/X/17 - Keybank available balance reduced by {$200.00} - however transaction DOES NOT appear, funds are simply " removed '' - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$200.00} - {$200.00} ACH has once again been returned to account, Keybank claims no funds were ever removed from XXXX and balance on my account has been {$200.00} since X/X/17 - yet everyday I checked from X/X/17 thru X/X/17 - Available balance had the {$200.00} payment removed - no transaction showing as to who was holding it - and XXXX to charge another {$20.00} NSF Fee
Consumer complaint received 2021-02-10
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. (GA)

I have had my identity stolen and have submitted a police report to both the original creditors and debt collectors. The fraudulent items have not been removed from my credit reports. In fact, I have not received a response at all.

I have been denied employment, credit, and housing due to this issue and have only been able to live in a XXXX with no stable residence. I was subsequently XXXX once COVID-19 started due to the XXXX having fear.

I have no stable residence to receive mail and prefer to receive correspondence via email, as I am able to check that periodically
Consumer complaint received 2023-01-30
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. (GA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2017-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

I paid {$490.00} for a XXXX  purchased online. I later discovered that the company is fraudulent and based out of XXXX. Venmo is not refunding my money. 


You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 
Hi XXXX, Thank you for contacting Venmo Support. My name is XXXX. 

I'm sorry to hear about this experience, and I appreciate you bringing this to my attention. 

What I can do is report your transaction ( payment to - XXXX for {$490.00} on XX/XX/24 ) to our Account Specialists, who will take the appropriate action against the receiving account. Please note we are unable to follow up and share specifics due to our privacy policy, but we take these reports very seriously. 

There isnt a way for us to reverse this payment or stop the debit being made from your payment method at this time. The moment you send a payment to an active Venmo user, the funds are made available to them. 

In the event of a payment issue such as this, if you feel comfortable doing so, we recommend that you attempt to work with the individual you have transacted with. Outside of payments that are eligible for the Venmo XXXX XXXX  XXXX, Venmo is unable to provide mediation. 

You may consider filing a report with your local law enforcement agency. Law enforcement can contact us to request information. Please note that there will not be additional follow-up provided to you from Venmo should law enforcement reach out to us.
Consumer complaint received 2020-11-19
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called twice to reverse the late fee of XXXX Customer service denied it. I called on XX/XX/24 twice. The third time was on XX/XX/24. I was only late for 4 days and months ago before this was late only one day from the due date. I was a long time customer who always pays on time. 
Im requesting that they should provide customers some grace period and not be stiff on their time requirement. 
Respectfully XXXX
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

REF : SPS SELECT PORTFOLIO SERVICING MY SIGNIFICANT OTHER PASSED XX/XX/XXXX. THE MORTGAGE WAS TRANSFERRED TO THE ESTATE UPON PASSING. HOME WAS TITLED AND DEEDED TO MYSELF WITHIN THE PAST TWO YEARS. THE FINANCE COMPANY APPROVED ME AND THEN DENIED IN XXXX XXXX. 

I HAVE BEEN TRYING TO HAVE AN AFFORDABLE PAYMENT WITH SPS AND THEY HAVE NOT AT ALL BEEN HELPFUL. WE HAVE FILED MODIFICATIONS, HARDSHIP LETTERS AND SHORT SALE. 

TO DATE SPS FORWARDED THAT THE HOME TAXES AND INSURANCE ARE MY RESPONSIBILITY. THE MORTGAGE IS STILL IN THE DECEASED NAME BUT TITLED IN MY NAME. THE MORTGAGE COMPANY HAS NOT ASSISTED OR HELPED AND WE KEEP GETTING A RUN AROUND AND DIFFERENT ANSWERS EVERYTIME WE CALL FROM DIFFERENT PERSONNEL. 

I AM AT A LOSS AS TO WHAT TO DO IN ORDER TO NOT LOOSE THE HOME I HAVE BEEN RESIDING AT SINCE XX/XX/XXXX. 

I APPRECIATE ANY ASSISTANCE AS THIS COMPANY HAS NOT WORKED WITH ME AT ALL. AS STATED THE PROPERTY AND DEED ARE UNDER MY NAME AND THE MORTGAGE IS UNDER THE ESTATE. I AM NOT TRYING TO CHEAT THE MORTGAGE COMPANY AND WILLING TO PAY WITH A REASONABLE AMOUNT. ANY HELP AND ASSISTANCE WOULD BE APPRECIATED AS THIS COMPANY IS THE WORSE TO DEAL WITH. 

YOU CAN CONTACT ME AT XXXX REGARDS, XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (WA)

I was called on XX/XX/2021 to collect a debt. I asked the woman to send me written verification in the mail. She confirmed my addresses but nothing has been sent. They continue to call me trying to collect. But I have not received validation! I don't remember this debt so it needs to be clarified. At this point I'm pretty sure the debt is time barred in Washington state.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (CA)

I received the e-mail attached below. I am not XXXX XXXX. Also, the debt collector is based in Nevada and is violating Nevada law which has a six year statute of limitations and this judgment is from XXXX.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

Previously I disputed Commonwealth Financial with the credit bureau in which they said the credit reporting was validated as accurate. So I filed a complaint recently with CFPB XXXX complaint number about the reporting from Commonwealth Financial reporting XXXX the bureaus and how I thought my Hippa rights were violated. In which Commonwealth Financial responded by stating they were in compliance with the Hippa laws in which I was complaining about. However, I also asked for full validation of this alleged debt. I asked that Commonwealth Financial send me documentation of the original contract with the original creditor or provider of services which is XXXX OF XXXX with my signature, and a breakdown of all fees and services rendered but they have NOT provided it. They have failed to meet the requirements to validate this alleged debt. Commonwealth Financial also sent me a letter showing that the account holder aka CURRENT CREDITOR of this alleged debt is XXXX XXXX XXXX. 
XXXX XXXX XXXX is a debt buying agency aka debt collections agency itself. How is Commonwealth showing XXXX XXXX XXXX as a current creditor in the documents they sent me? This is a lie and a violation within all violations! How is Commonwealth Financial collection agency attempting to collect a debt for another collection agency? And why is Commonwealth Financial still reporting this alleged debt to the credit bureaus if XXXX XXXX XXXX owns this alleged account? Why isn't XXXX XXXX XXXX this to the credit bureau? What I do know is that I do not have a written agreement or contract with Commonwealth Financial and they have failed to validate this alleged debt with me. They have no right to be reporting this alleged debt on my credit report especially since they do not own this account. I would like for commonwealth to provide answers and documentation to all my questions and for them to stop reporting this alleged debt to all cra 's. At this point Commonwealth is in Violation of 15 USC 1692e A debt collector can not use false or misleading representation or means in connection with the collection of a debt, 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debts, 15 USC 1692f Unfair Practices attempting to collect an alleged debt, 15 USC 1692f ( 1 ) Attemtpting to collect a debt unauthorized by an agreement between parties and 15 USC 1692b ( 5 ). There is a {$1000.00} fine per violation but I will settle out for {$3500.00}.
Consumer complaint received 2021-08-11
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. (MD)

Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXXXXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and corrected : XXXX  XXXX
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

I've had my credit frozen for 1.5 years due to extreme identity theft. I had to lift the freeze to allow for a credit check when refinancing our home. I am unable to place the freeze back on my account and Experian has no way to contact customer service to help with this issue. When I attempted to log-in with the pin they gave me to lift the freeze, I'm unable to do so. There is not an online option to put the freeze back on. There is not a number to speak with anyone, it is just a robot that doesn't give you the option to speak with anyone and just hangs up. How is this possible?
Consumer complaint received 2022-10-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Financial have allowed a Fraudulent lien on the Home Title. We have NO Business with XXXX. This is the second Mortgage type Fraud, their Lawyer XXXX XXXX XXXX XXXX, XXXX. supposedly cleared the last fraud for Fed lawsuit I filed & Won 1:18-cv-09226 [ XXXX settlement signed XXXX XXXX in court. NY XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (VA)

COMMONWEALTH FINANCIAL is trying to collect a debt we were charged for 8 years ago on a trip to Florida. My daughter who was XXXX had to go to the hospital. We were charged by the hospital but also charged by the doctor who treated her. Our insurance would not pay twice for the same instance and of course, we refused to pay for being charged twice for the same instance. This company has taken this debt which two other previous debt collectors have tried to collect and we refused not only to pay the debt but also continue to tell them we know this is not a valid charge. 

This company has sent us letters asking us to pay {$400.00} to close the debt and of course, we refuse. This is a rip off and they know it, hence why it keeps getting pushed from one company to another. This is the ONLY company who put this on our credit report. Not even the Dr office would do this as they know it is NOT VALID. REMOVE IT NOW!
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (MD)

I have sent 4 letters to Equifax attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( A ), " In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- 1. ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Equifax has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. Equifax and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX {$0.00} - - -No Data Dispute Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX Phone number not available Date Opened XX/XX/2015 In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (MN)

In the Month of XX/XX/XXXX I had been struggling to make my payment on my DISCOVER CARD due to extreme interests rate & loss of job! my minimum payment was more than 75 % of my monthly income & I could not catch up due to loss of job & other obligatory bills. I reached out to the company to get the late payment off but they were not able to help me, I've never missed a payment in over 2 years, I just happened to have that struggle now due to loss of job & extreme Interests Rates.
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I'm XXXX XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my XXXX XXXX. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2023-01-30
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. (SC)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 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 2020-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (CT)

I activated a cell phone with XXXX. They assigned a number to me that was previously used by someone else. I have only given this new number out to one person : so anyone calling me is actually trying to reach the previous owner or is calling numbers sequentially or at random. Sequium has called several times, the most recent being XXXX at XXXX XXXX and XXXX at XXXX XXXX. They have been clearly informed that I am not the person they are trying to reach, but they continue to call. The telephone numbers shown by collar ID are XXXX and XXXX.