davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

XXXX and XXXX are reporting past due on the OneMain account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX still reporting debts owed, XXXX XXXX XXXX Account XXXX in amount of {$140.00} and XXXX XXXX XXXX Account XXXX in amount of {$12.00}. Amounts paid by XXXX XXXX cashiers checks XXXX and XXXX on XX/XX/2019.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LendingPoint Holdings LLC (TX)

I am hereby giving notices to XXXX XXXX XXXX XXXX and Lending Point LLC to Cease and Desist communication in regards to an alleged debt that is reporting onto my consumer report. 

The term communication Pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Any medium includes any written, oral or electronic or any other medium. Furnishing negative information on my consumer report is a form of communication. 

This is a formal notice to cease communication through ANY medium including my consumer report as it is a form of communication regarding an alleged debt. 

This is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and my reputation has in fact been ruined in regards to this negatively reporting.
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/XXXX I am writing to file a complaint against XXXX XXXX, XXXX, and Transunion. 

I have made several disputes with the credit reporting agency reporting that XXXX XXXX was not accurately reporting information. The balance that XXXX XXXX is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that XXXX XXXX provided. I recently sent a debt validation letter to XXXX XXXX requesting that the lender provides transaction and balance history. Per the documents provided by XXXX XXXX on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has XXXX XXXX provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX to date. 

I am requesting your assistance in putting an end to this matter.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Over the last XXXX years I have been charged with unwarranted overdraft fees that caused me to lose over a XXXX XXXX dollars from Wells Fargo Bank . Its occurred even after I placed the overdarft protection option on my checking account.
Consumer complaint received 2021-06-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

Lakeview Loan Servicing LLC a subservicing by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX. 
This company owes me the escrow balance in the amount of XXXX. The loan was payed off and recorded as payed off on XX/XX/2020. Over seven months later they have yet released the balance of the escrow money. I have sent inquiries through their on line service with not even a substantive reply. I even ask my congressman to inquire on my behalf. Nothing no reply. The escrow balance is due to me
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (CO)

Dear CFPB, I just got off the phone with AR Strat collection agency. They are demanding money from me saying that it is from old XXXX bills which my XXXX paid. THEY REFUSE TO SEND PROOF OF BILLS, just their bills saying that I owe them. 

Attached is a copy of the billing statement I received. I am very angry and frustrated that this type of corruption and thievery is allowed to happen. This is not a valid debt. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in 4 days. The credit agencies have failed to respond to my request.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I made a check deposit of {$1000.00} at Wells Fargo bank using online check deposit. The bank sent me a notice saying a hold was placed on the deposit because my endorsement didnt match. I called the bank and the rep told me it clearly matched but there was nothing she could do. The funds will not be released until XX/XX/31. This is unacceptable to me
Consumer complaint received 2021-06-28
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. (IL)

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America posted on their website ( which is still on there as of XX/XX/20 ) FALSE ADVERTISING!!! ON THE WEBSITE IT CLEARLY STATES XXXX points for new spirit card but are only giving XXXX rather that what shows on the website. They are aware of THEIR LIE to trick people into applying and saying we dont care they refuse to fix it AND ITS STILL ON THE WEBSITE. Give us our XXXX points you owe us. Liars doing whatever they can to make a sale. How embarrassing.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AR)

I have the XXXX XXXX credit card and have attempted to use my XXXX XXXX on several occasions. Every attempt I make get denied or marked as fraud. They give me these fake credit card point that they say are work money which you can never actually claim the points. There support gives me the run around every time with the same " We'll get back to you '' response I wait days and weeks and dont hear anything. 

I originally place an order to redeem my XXXX points on XXXX first into the form of a XXXX gift cards. I waited 7 days and did not receive my order from XXXX so I called there gift card support department. I wanted to confirm my order had gone through to which they told me to continue waiting. I waited another week and called on XX/XX/XXXX to which XXXX informed me that the purchase I made myself AND called to confirm was marked as fraud. The agent informed me that she marked it not fraud and that she replaced the order. I called a week after that and the order still hasnt been placed. I attempt to online and am no longer able to because I get an error code on the website not permitting me to place the order. I call again and the agent gives me rudimentary IT support and says that he put a ticket in for them to reach out. 4 days later I still had no contact from delta. I call again today XX/XX/XXXX and the agent informs me not only had the order not been replaced but my account was still marked as fraud. I speak to a manager who tells me that my account should be good to go and to try placing the order online again. I attempt to login to XXXX and It informs me that my account has been suspended. How during this whole process of my calling to confirm it was me placing the order my account was suspended is a mystery. I have to submit a photo ID for a credit card account which seems extremely suspicious in the first place and I receive an email saying XXXX will reach out to me in 10 business days. 

I am reported XXXX for False advertising and purjury having lied to me numerous times about activity done to my account, false orders that wernt placed. locking my account after I confirmed it was me numerous times. Invasion of my privacy asking for photo Identification to simply unlock my account. And for not allowing me to use my XXXX XXXX that I earned through there credit card reward system they claim can be used anytime.
Consumer complaint received 2020-11-27
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. (SC)

I disputed the alleged collection agency XXXX XXXX  on XX/XX/XXXX more than 2 months ago got a response from XXXX that suggested that they didn't do any investigation then I did an online dispute and came back even more convinced they did not investigate the alleged collection account being that the status date didn't change at all which was one of the many flaws found in the inaccurately reported account. 

XXXX and Equifax did not mail me in a report at all and as for the alleged collection agency themselves they failed to send me any proof and if they say they did not know I disputed this debt then that means that XXXX  lied by saying the alleged collection agency verified the debt, how could you verify an account for a dispute you did not know of?

Now here I am complaining to you about this alleged collection account reporting inaccurately.

1.Date of First Major Delinquency Reported is not consistent 2. No Date of Last Activity Disclosed on XXXX  and XXXX how do I know this hasnt been re-aged 3. No original Contract with Third party Clause showing the alleged collection agency as a rightful party to this alleged debt in case of default Sent to me at all If so show the certified mail proof 4. NO 1099 OID -Original Issue Discount sent to me at all If so provide me with certified mail proof 5. Balance owned/ Past Due balance on a collection account 6. Chasing a time barred Debt this debt has been past my states Statue of limitations for about a year now by looking at the alleged date of first major delinquency on this file XX/XX/2016 which is not a full date in itself 7. Account # XXXX  inconsistent I have attached plenty of documents explaining my case, please take this seriously
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (NE)

Recently I have learned about my consumer rights and realized a correspondence from Sequium Asset Solutions LLC received on XX/XX/2020 threatened to damage my consumer report in which they did by dropping my score by XXXX points as you can see in the attachment. I have recently sent a cease and desist along with a debt validation to Sequium Assets Solutions, LLC and have yet to receive any correspondence. I am asking for Sequium Asset Solutions , LLC to stop destroying my credit and stop violating my right to dispute the validity of this alleged debt.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened an account with citi and enrolled in the Citibank {$700.00} Checking Offer. 
The requirement that stated in the offer is in the following : To earn {$700.00}, complete these required activities* : 1. Make a deposit of {$50000.00} or more ( multiple deposits allowed ) in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within thirty ( 30 ) days from account opening.

2. Maintain a minimum balance of {$50000.00} in the eligible account ( s ) for sixty ( 60 ) consecutive calendar days following the date when you made the {$50000.00} deposit ( " Minimum Balance '' ). 

I have transferred the fund in XX/XX/ 2019, I was supposed to get the bonus by XX/XX/XXXX according to citi that " the cash bonus will be credited to your new checking account within ninety ( 90 ) calendar days from the date you complete all required activities ''.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Update to my complaint XXXX complaint CLOSED -- Select Portfolio Servicing , Inc. replied that they won a judgement in XXXX XXXXXXXX, but the XXXX did not pay them. That is demonstrably false. I have reviewed my records from my XXXX XXXX, and the XXXX denied that claim.
Consumer complaint received 2020-11-27
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. (CA)

1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years. 
Actually, my mon XXXX XXXX because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't remove

d. 2.I found 1 late payment of XXXX account almost over 10 years ago. In my opinion, any record over 7 years ago should be removed. I paid off this account. And these 2 accounts remain on my credit rep ort as hard delinquency. One of the records was waived, the other record was over 10years paid off the account. These accounts that w
ere saved by information and covid 10 years ago still remain on the record.
Consumer complaint received 2018-04-05
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: Professional Recovery Management (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.
Consumer complaint received 2019-06-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I was renting an apt unit at their location called XXXX XXXX XXXXXXXX XXXX we moved in and we notify the manager XXXX we need to move out due to the apt ws unfit for me and my family it was not what they have promised us, the apt was dirty at the time we moved in the floor was damage the carpet upstairs has other people hair they claim they clean it but we feel they did not and also the laundry machine and the dryer was placed in the kitchen it is unsafe and health code violation to have this unit inside the kitchen next to the stove top when the dryer is running it will blew dust in to our kitchen area and created unsafe and not sanitary for our family to live on the stairs was hard for me to walk up I had fell multiple times while living there for the month so then we decided to move out gave the keys to manager XXXX sometimes on XX/XX/2019 and relayed to him and we left and told him to fix it before we can move back in he stated to our family he will have the collection company to make us pay him {$7000.00} after we left we were so upset that this company refused to work with us and so on XX/XX/2019 we contact him and asking him we will be willing to stay and work with him as long he promised us he will get these issue fix manager XXXX said we don't want to work with you and we send these penalty fee to our company XXXX XXXX to collect {$7000.00} from you and he said he already rent our place to someone else who will soon be moving in fyi knowing XX/XX/2019 rent has already paid in full at the time of move in, also we disputed this with him on XX/XX/2019 there for it is still the month of XX/XX/2019 and we still should have rights to continue our lease and it is still XXXX this is not XXXX there for this is a way of this co. collecting money {$7000.00} and yet they went and found new tenant within 24 hours and trying make us pay there for remove this now this is your scam your place was unfit for our family there for your co breached the contract.
Consumer complaint received 2018-04-05
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: Experian Information Solutions Inc. (CA)

the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.Experian put a Identity Thief on report due to the unauthorized inquiries.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I am making a dispute against XXXX XXXX in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

I have XXXX credit cards from different companies -- XXXX, XXXX XXXX, and Synchrony for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.
Consumer complaint received 2022-10-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC (KS)

On XX/XX/2022, Diversified Recovery Bureau, LLC emailed me a notice of balance due. Email was received at XXXX XXXX. 

On XX/XX/2022, Diversified Recovery Bureau, LLC called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They left messages at XXXX XXXX, XXXX XXXX and XXXX XXXX. 

XX/XX/2022, I called Diversified Recovery Bureau, LLC at XXXX XXXX to inquire why they would call me 4 times in a matter of minutes. I was told by Diversified Recovery Bureau , LLC that they had only called me once. I told them that no they had called me multiple times and left multiple messages. I explained that when someone calls me repeatedly like that I immediately think something has happened with my daughter. They denied they did any wrongdoing or that they called me repeatedly. I have the phone record and voicemails proving otherwise. 

They asked if they could call me in the future my answer was a firm no and assured them that I would get the debt taken care of.