davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to Discovers inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. Discover reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is Discover 's error that caused this issue.
Consumer complaint received 2017-04-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (TX)

This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XXXX and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/XXXX I went to deposit a check to my business account at Chase bank, at which point the teller said that my account is " restricted '' and can not accept any deposits or pay any checks. The bank manager wasn't sure why that is the case, since there was more than enough money in the account. The message in their system said that some information is missing. I spent most of the day filling out all kinds of paperwork, even though this account has been open since XXXX. In the meantime, the bank bounced some payroll checks, tax payment to the IRS and XXXX, child support payment for one of my employees, etc. After the account was reactivated, I asked for the letter explaining why this happened. Bank manager said that someone would contact me. To date, no one did.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history no payment history fcra can't just report the bad must report the good also all 3 paid in full
Consumer complaint received 2021-11-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXXBalance : {$9.00}
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (CA)

Volkswagon bought back my XXXX due to the emission scandal on XX/XX/2017 and I was told that they would be paying off my loan to the VW Finance Division within 5 days and that I would be receiving a check for {$1200.00} within 3 days from the buyback appointment. As of today, XX/XX/2017 the check has still not been issued to VW Finance and I gave them the physical address when I called them last week to find out the status and I also asked for a letter stating that I am no longer in possession of the vehicle and needed something stating that the loan has been taken over by VW or i have a XXXX balance so that I can purchase another vehicle and refinance my house. They have told me that they could n't do this and that I need to continue making payments on a vehicle that they have had for almost 3 weeks. The class action lawsuit states that they should have paid off the loan within 5 days of the buyback appointment. According to the representative I am speaking with right now as I file this complaint, there still has not been a checked issued to VW Finance and again I did provide them the physical address for VW Finance. I 've called the claims number over 20 times for other issues pertaining to the VW Scandal and they have been unable to solve the issue. I am currently speaking to XXXX a supervisor in the XXXX claims center. She stated that she did n't have an employee number that i could have and just refer to her as a supervisor in XXXX claims center. So far 35 minutes in my phone call nothing has been accomplished regarding the issues but I learned how to be more patient when been tossed around on hold.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (TX)

I had defaulted on a XXXX  XXXX XXXX Credit Card sometime between XXXX. I was contacted by the XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX in XXXX. I made monthly payments for over 2 years. I can't remember when they started and I can only access XX/XX/XXXX to present statements on my account. In XX/XX/XXXX the auto draft did not hit my bank account. I called a the office and they told me I was paid in full. I asked her to send me a letter. This is right about the time my father died so I'm not sure if I got the letter or if I misplaced it. I have had several collection agencies contact me since then to collect. The Law Office phone number is no longer active. I just received another letter for collection, Dynamic Recovery Solutions XXXX. I was able to get bank statements as far back as XX/XX/XXXX - XX/XX/XXXX which show the monthly payments. If needed, I can ask my bank for more statements. Can you help me with how to proceed?
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

I am a Foreclosure Specialist who has a client that has a loan through DiTech and they would like to modify it. I sent a RESPA request to them on XX/XX/2017 and they have refused to send me the documents necessary to try and get them a modification. If there is anything you can do it would be appreciated.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

my name is XXXX I a citizens bank customer for over XXXX years my cheking acct was over draft las week they charge me 35 dollars wish a unsdentand but 4 days later they charge me 30 dollars more they said because they said my account has no money \for a total or 65 dollars I call the magnager talk them I wasn agree to pay 65 is too much money the said is the bank law, I not agree to pay almost double the amount is not right n. I can use that money for gas or food thanks
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (NM)

I dont have any knowledge of this account or debt collection and theres been a identity fraud placed on my credit before also Ive been try to get my credit scores to increase and these Pepe keep bring it down who are these guys anyway
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Asset Management, LLC (NJ)

This account was paid directly to XXXX, under a separate account and bill was sent to my home directly.i was told by XXXX that I could n't put XXXX in my home unless I made payments on the outstanding cell phone bill so for months I paid XXXX XXXX bills to satisfy this debt. I have called XXXX and pinnacle the company who has account and have gotten no where. I need this off my credit report as I do n't owe it. 
Thank you
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

I received a list of charges from the payment cards industry ( PCI ). Ive already begun the dispute process, which boils down to a prorated amount of 5 days of overoccupancy, the corresponding fee, and the XXXX utilities and yes admin charges and fees. After several months of asking how these charges were calculated, I still have yet to receive the information for how the charge was even calculated. 

I moved between two XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Because of the split time between the XXXX XXXX lease end date, and the park place move-in date, I requested that my move in date be adjusted as to not leave me homeless for a couple days. The XXXX office agreed to an adjusted date of XXXX XXXX XXXX 

I was initially told to pick up my new keys at the end of the business day on the XXXX, and return my old keys the morning of the XXXX. This meant I had to move 2 years ' worth of my items in the pitch dark. I informed their office this is unfair, and simply asked if I could move my items out first thing in the morning, which I was told was perfectly fine. 

I got a call the morning of the XXXX asking where my keys were. Obviously, there was an internal communication breakdown in the office for nobody was on the same page, and I was doing my best to work with the information I was given. I dropped off my current load of items and went straight to the office. There, I was told that they would not take my keys, because the items in the unit were not out yet. This was the first time I was given this information and was around noon on the XXXX. I politely apologized because I didn't know this and went back to my unit to complete moving out my items. 

By the time I was finished, the office was closed. I returned the next morning when the office opened and was told I had a charge of around XXXX dollars, with no explanation, and not justified by my lease. 

Although the verbal agreement between myself and XXXX explains the situation in full, any dispute will revert to the written agreement I have between XXXX and myself. Even then, I am still unable to find a justification for this charge in my lease. I have asked their office for it countless times over the past several months and have yet to receive this information. 

They are charging me for an event that didnt happen, and consistently lying about it. I need help protecting myself and my credit against this claim. XXXX is no longer responding to my requests, or taking any action to correct the situation.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Incorrect Personal InforXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late close : XXXX XXXX Balance : {$0.00} Charge off : XXXX XXXX XXXX XXXX XXXX : {$330.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX CIS XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX A Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

XXXX CFPB compaint XXXX requested Paypal delete my data as my account is closed. Their response claims they " must '' retain records for 10 years. Why then does their website offer the option of data deletion? Either their response is false, or their website is a con. I want my data deleted as would happen if I were able to access the account and select that option through the Paypal website. No game playing. No twisting words. I want confirmation that whatever the " delete my data '' function does has been done. Or I want Paypal to admit this is a fraudulent offering and notify all of its customers to that effect. Obviously since they claim they emailed me and I didn't receive it ( no it wasn't in spam ) this is the only way to address this ongoing issue.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Good Morning, For the last 3 days I have been unable to access funds on my card. I initially attempted to withdraw money from an ATM that I have utilized numerous times. According to the e-mail sent by pre-paid card company ( XXXX  ) it got flagged as suspicious activity. They sent me an e-mail ( no text ) notifying me of denial and prompted me to call them by phone. For the last 3 days I have made repeated calls at all hours of the days, been on hold for over 12 hours, and been unsuccessful in establishing contact. While on hold, automated operator insists that issue may be simply resolved by responding to e-mail or text but no text was received and e-mail specifically instructs that a phone call be placed to them. They have no e-mail I can directly respond to so issue can be resolved or grievance made. This has happened on numerous occasions and ever since they started their text resolution system, their phone operators do not respond. 


This is not the first time this happens. It has happened numerous times at ATM locations that have been utilized numerous times. Back then ( 6 months ago ) phone calls were placed and eventually answer ed but no specific reason as to why it was flagged or why it was considered suspicious activity. Their representatives are not very knowledgable about their product and appear to reading of a prompt. No financial institution should have the right to block access to a persons funds without a. justifiable reason and when called on it, not respond. I understand safeguards should be in place to attempt and protect their cardholders but those safeguards should not cause unforeseen hardship and lost time. This is ridiculous. How can they block access to funds without providing a justifiable explanation as to why something was flagged as suspicious activity? They should compensate their clients for every hour of wait time they have to go through attempting to establish contact due to their problematic system.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am disputing a collection account with XXXX XXXX XXXX. As per regulations, they are obligated to provide me with their errors and omissions policy number, the original contract, and any other relevant legal documentation supporting the collection. Additionally, I request that they delete this account from my credit report. Compliance with these requirements is crucial for resolving this matter satisfactorily and accurately. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2017-04-15
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

XX/XX/2017 I friend of mine send money order through Wester Union ( WU ) With the tracking number XXXX. XX/XX/2017 I picked up the money for a total amount for {$1900.00} at one WU agent store in XXXX, CA. They did n't give me cash as they usually do, Instead they gave me XXXX checks XXXX for XXXX other for {$930.00}. So I took those checks and deposited them in my Bank Account. Next day XX/XX/XXXX, I received a call from my bank to let me know the checks bounced. Since then I 've been looking for an answer about what happened with WU and made more than 12 phone calls to their customer service line. They keep telling me is an Agent problem. I went 2 times back to the Agent Store they call to their Agent Service Line with WU and after a long wait both times, same story, they said the problem is with Western Union. As you can see I 've been running in circles with this XXXX institutions NO ONE TAKES OWNERSHIP of the issue and give me a concrete solution, they just said that I have to wait, But I ca n't just sit back and do nothing. I filed a complaint in Western Union complaint service with the case num XXXX no answer on their end. There are many wrongdoings in this case, I feel ripped-off. in the First, I went to a Western Union " Authorized Agent '' and they gave me BAD CHECKS why? Second, After so many emphasis Nor Wester Union Neither the Agent take ownership they keep bouncing the ball between them. Third I paid for an express service {$60.00} dlls fee, cause I needed they money urgently and Is time that I do n't have my money back yet. Even though the sender pay in cash and fulfill all Western Union policies last but not least, Wester Union and its agents may decline to accept or pay money transfer that either of them determines violates any applicable law or policy, But in this case they accepted the money and more over they paid it, What means everything was okey and according their policies and laws. So why I have to deal with not funds Check? This is a rip-off!!! 
Resume International Money Transfer in compliant with all Western Union Policies and Laws Amount {$1900.00} Dlls Problem : Bounced Check By on of Western Union Authorized Agent Money Origin XXXX Dated XX/XX/2017 Money Pick Up XXXX, CA Dated XX/XX/2017
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation (TX)

There are three collections reporting on XXXX all with amount of {$730.00} from XXXX XXXX XXXX but held with United Revenue Corp. I have filed disputes to XXXX regarding the three accounts - numbers : XXXX ; XXXX and XXXX. I have also asked for an itemized statement because I do not recognize these amounts because my Explanation of Benefits have not shown that I owe {$730.00}. So I have two concerns, the first being triplicate entries on my credit report which is harming my credit score and the second, I'm not even positive I owe this debt in the first place! According to the FCRA I should be provided with an itemized statement showing that they filed my health insurance claims that they are obligated to file.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Windham Professionals, Inc. (NJ)

A debt collection agency has made repeated calls to my workplace after being specifically asked to stop calling. The company is called Wyndam Professionals. They even went so far as to try and get my social security number from my employer. This kind of behavior is completely unaccptable, especially after being asked multiple times to stop calling my place of business.