davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. Are you serious? My complaint is a legitimate complaint due to the mistakes on my report that your company is knowingly falsely reporting. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

This is my 2nd attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

On XXXX I 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 taking advantage of once again and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

I sent corresondence to Midland Credit Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/2024 requesting that they remove these fraudulent accounts from my report due to identity theft. They have failed to respond or remove the accounts from my report.
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( COMMONWEALTH FINANCIAL SYSTEMS ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( COMMONWEALTH FINANCIAL SYSTEMS ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethic 's violations.
Consumer complaint received 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$14000.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$10000.00} / XX/XX/XXXX
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX/FURN is reporting that we missed a payment but we did not. we paid extra the month before so when we got on to pay the payment the following month it said we did not have a payment due. When we got on the following month ( 3rd month ) it said we had missed a payment. We have never missed a payment. The account is current and should be removed from the credit history.
Consumer complaint received 2021-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (CA)

On XX/XX/XXXX XXXX applied for a loan to pay off 3 credit cards. The total loan amount was for {$1000.00} minus a {$70.00} processing fee so loan amount is {$930.00}. I received {$150.00} to my checking account don't know why, a credit card was paid for the amount of {$230.00} and second credit card of {$150.00} which is a total of {$540.00}. There was one last credit card with a balance of {$380.00} that according to them it was paid off on XX/XX/2021. I checked the balance on unpaid credit card and nothing was paid off. I called the credit card company to see if there are any pending payments to pay off balance and they said no. They asked me if they sent it by check I said yes and asked for check # so they can track it and they didn't find such check number. They told me to call Upstart to see the status and Upstart keeps telling me that it's been paid off but I checked Upstart through my app and it does not show no payment to that specific credit card. They said they will investigate and reach out to me but no one ever reached out to me and they still want me to pay them and now balance went up to {$1000.00} when payment is not due yet. The reason I got this loan was to improve my fico but it's making it worst. They said check was mailed out by XXXX XXXX XXXX  which I thought Upstart was the actual lender and on promissory note it states that loans are made through XXXX XXXX XXXX. This seems shady to me which it is actually.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (NY)

Factor Trust has, on multiple occasions, failed to meet their legal obligations under the FCRA by responding to a consumer request within XXXX XXXX. I have contacted Factor Trust on multiple occasions, and they still have yet to mail me a letter regarding a security freeze, fraud alert, out-out prescreen, and consumer report. 

XX/XX/XXXX - Forms mailed priority to FactorTrust XXXX GA location XX/XX/XXXX - Forms faxed to FactorTrust at XXXX XX/XX/XXXX - Forms mailed certified mail to FactorTrust XXXX GA location XX/XX/XXXX - Forms received by FactorTrust at XXXX PA location XX/XX/XXXX - Forms mailed certified mail to FactorTrust XXXX PA location XX/XX/XXXX - Forms were received by XXXX FactorTrust in the mail ( I have a certified mail return receipt. 

On, XX/XX/XXXX and XX/XX/XXXX, I received a letter from FactorTrust indicating that they had no file matching my SSN, so they could not process my request. I did, however, enclose a letter giving FactorTrust permission to create a file under my SSN for the purposes of placing a security freeze. 

On XX/XX/XXXX, I sent an email to XXXX, and received an extremely informal response on XX/XX/XXXX ( only after I called did they send an email ). 

Additionally, I have contacted FactorTrust by phone, and they told me multiple times that I should receive a response, but to date, I have not received a response in the mail. 

ALL of the other consumer reporting agencies ( such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) that I have contacted have responded within a timely manner and mailed a confirmation of a security freeze and opt out. Although some delays are expected from the pandemic, a delay over XXXX  moths is unreasonable and unlawful. 

The only thing I am requesting is a physical letter indicating that I have a security freeze XXXX  with PIN ), fraud alert, out-out prescreen, and consumer report. This request is reasonable, standard under FCRA, and standard in the consumer reporting industry.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thrivepoint Financial Holdings, Inc. (FL)

Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

We were notified two of our accounts ' customer due diligence information needed to be updated due to regulatory issues with our bank. The bank restricted our account and debit cards. We called the bank four times and sent in the required documentation ( which they already had ) to get the accounts unfrozen. In two instances, bank employees told us the freeze had been lifted only to find out from other employees that it had not been lifted. This freeze is impacting our daughter 's Special Needs Trust and we can not purchase her necessary food with the funds in her account.

To make matters worse, the bank has no way for me to submit a WRITTEN complaint. I need to call and leave a complaint but I have no idea if it has actually been lodged correctly. I want the ability to write a complaint, in my words, and submit to the bank so I have record of it. 

When this is resolved, I will be ending my long term relationship with the bank. Consumers should not be penalized for their bank 's regulatory shortcomings.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

Last summer, I took advantage of a promotional offer on Amex Rewards Business Gold Card to get XXXX rewards point if I spent XXXX dollars within 3 months.  I obtained that card for my small XXXX business, and after satisfying the spending requirement sometime in the Fall 2018, I received XXXX reward points.At that time, I ended up with two rewards cards: one was my personal card, called EveryDay Card, and another one, above-mentioned business rewards card. I called AMEX Rewards Customer Service to advise me which card is better to use. I was told that both cards basically offer they same rewards benefits, except on personal card, if I spend XXXX dollars a year in groceries, I would get additional XXXX rewards points--the feature that is not available on business cards. So I basically stopped using business card and started using personal card for my everyday purchases.Last Spring, I began considering to basically curtail my business activities, (I am XXXX y/o now), I decided that to get rid of the business cards that was no longer using. I called general customer service, and explained to a Representative(I believe, he was in XXXX or XXXX) to him why I wanted to close the business card account. He was understanding, and fulfilled my request.I must say that nowhere during that call he would warn me that  if I close the account before one year anniversary, I would be in danger of losing the XXXX rewards points.After Amex indeed took my XXXX points away, I called the rewards customer service and explain to them what happened last year and also this spring. Two rewards customer service supervisors who I discussed this matter, basically agreed that that automatic removal of XXXX points from me was a mistake, and I should file an appeal, which I did. I was also told that their customer service cannot correct this error: it should go to some unnamed "higher entity", which is supposed to do just that.After a few weeks without any news on my appeal, I contacted AMEX headquarters and was given a contact of Mr. XXXX, presumably from the AMEX Executive Office.Mr. XXXX was nice but completely useless: he wasn't one who was making decision in my case: it was someone else, who Mr. XXXX   refused to identify. He only informed me that my appeal was rejected. When I asked him to send a written explanation as to why and by whom it was rejected, he promised me to do so, but never did.As result, because of series of perhaps unintended mistakes by the AMEX representatives I lost XXXX rewards points that I could use in a variety of ways: from travel to hotel, car rental, etc.I believe the justice should be restored and AMEX as a company should be held responsible to the information provided by their representatives, wherever they are.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have sent numerous letters via certified mail disputing XXXX inaccurate item that remains on my credit reports. I have asked for verification of the account and have not been provided with that per my FCRA rights.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed accounts with Transunion & XXXX  several times and nothing has been done. I received no correspondence or any results from the disputes I put in for the inaccurate items on credit. I have attached the letters I sent previously but there have been more. Please fix accordingly.
Consumer complaint received 2021-07-13
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. (IL)

I repeatedly asked TransUnion to verify bankruptcies XXXX & XXXXAfter months of written & phone disputes it come back as VERIFIED AS ACCURATE. THEN I ASKED FOR PROOF METHOD OF VERIFICATION. Bankruptcy Court do not share or VERIFY INFORMATION to any THIRD PARTY Or ANY CREDIT REPORTING AGENCY.,
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OZK (AL)

On XXXX XXXX 2017 I asked bank of the Ozarks in XXXX Al for the pay off on my property and they told me that they cant give it to me in person that they have 7 days by new government law to send it in email. In this time they added XXXX to the pay off by attaching a charged off loan from years ago to it and also I payed my car off years ago and they did n't return the title
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

I was notified by the collection agency Aldous & Associates about an alleged debt of {$120.00} from XXXX XXXX. I have reason to believe I do NOT owe this debt because I have not had an account with XXXX XXXX since XX/XX/XXXX when my contract for the year of XXXX ended. Furthermore, gyms were closed for the majority of the year of XXXX due to COVID per the Governor order. How can one be charged for serviced not rendered. It is highly dishonest and highway robbery. 
I would like to reiterate that I do NOT owe this debt and, attached is the proof : an email from XXXX XXXX on XX/XX/XXXX admitting to me that they have made an error and, that I do not have any account that is past due or that at risk of being sent to collections. I have printed and sent the email to the collection agency by certified mail but, for some reason they have decided to act obtuse to the proof.
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (NV)

As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

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 2020-07-06
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2019-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

On XXXX XXXX someone sent me $XXXX via my PayPal account.i received an email from PayPal my money was available. When I tried to deposit in my bank account it would not let me. I was leaving next day for vacation out of country. I contacted PayPal via live chT and was told that randomly happens and to retry in 3 days. After waiting I tried again and it would not let me and I was told their is a limitation placed on my account. I could not call bc I’m out of country so I did live chat again and was told I to send in requested info and wait 5 days. I couldn’t send a complete bank statement only version on my mobile acct. the next day they requested all my credit and info. I recto give that to them whereas I had been getting phishing emails from PayPal and had forwarded them a few months ago. They told me it’s in their contract that they can withhold my money, I never read or signed that and if there was any problem they didn’t even. It icy me via email or phone call. I don’t understand how PayPal can keep my money for 6 months, not allow me to refund sender so he could just give me by check or give me MY money. I expected thus money to pay bills. This is deceitful practice, just keeping my money and not telling me why let alone informing me. I want my account closed whereas I do not trust the safety of PayPal with my personal info yet they wont let me close it. I tried to make a dispute via PayPal option but it didn’t let me, it stated since I received the money they couldn’t do anything and to contact sender. I contacted sender and he called them and PayPal told him since I received the money he had to request refund from me, which PayPal will not allow me to do.i demand my money be released to me and my PayPal account be closed whereas I want nothing to do with PayPal. They stole my money and say I’m guilty of who knows what, I’m innocent of who knows what until they prove me guilty and then they could collect money, but I did nothing wrong just sneaky tactics on PayPal side.
Consumer complaint received 2021-07-13
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. (NY)

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX Bank has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Consumer complaint received 2017-12-19
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. (WI)

On X/X/17 I sent a certified letter to Equifax disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 )  provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Equifax received my letter on X/X/17. 
On XX/X/17 I reviewed my Equifax credit report and the Bankruptcy Remains. 
On XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of XXXX stating that the court does not report any  information to any credit agency. 
On XX/XX/17 I sent a certified letter to Equifax again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report. 
Equifax received my letter on XX/X/17 On XX/X/17 I again reviewed my credit report verifying that Equifax has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.