davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

XX/XX/XXXX someone stole my husband identity, his name is XXXX XXXX. Taking out multiple loans online for electronics. These loans included XXXX different companies, XXXX out of the XXXX were great. We had a police report, our local police investigation the issue. We were able to provide paperwork and documentation of the fraud and resolve the issue. However, the third company is XXXX Bank and they have been HORRIBLE! We have called and called and called and are always told ; we do not have many staff in the fraud department and no one is here to speak to you. We were give a fraud like we could call and leave a voicemail with no response EVER! We finally in XX/XX/XXXX to at least email us the fraud paperwork we needed to fill out and submitted it. Just to continue calling and getting the same line but no information. In XX/XX/XXXX some finally confirmed for me they received our paperwork and we should receive an email my the end of the month with instructions on what they needed from us. Well we never got that email. The fraud line now no longer even takes voicemail, its just hangs up on you. They recently gave me an email address which again no response. I have offered multiple times to send our police report in and they just tell me someone from fraud will have to talk to me. At one point we were making payments on this loan to ensure it did not hit our credit, they are stopped taking our payments and our online account no longer shows a balance but I can not get ANYONE to speak to me about the claim. Is it resolved? I am literally in tears over this. I have no where to turn. I ask to speak to a XXXX  or someone higher up and they just tell me there is no one for you to speak to. I am sorry. The emotional stress this has caused my family and I is in describable. Please help me.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

A debt of {$10000.00} has been posted on my credit report linked to a XXXX XXXX XXXX XXXX XXXX account. I worked for XXXX XXXX XXXX for 3 months in XXXX and had opened a charge card. I used it while employed there. Upon leaving the company I received a letter from XXXX asking if I would like to keep my account active. I accepted. I never used my card. My last statement dated XX/XX/XXXX to XX/XX/XXXX showed a XXXX balance and a credit limit of {$4000.00}. 
I have not received any statements from XXXX XXXX XXXX since then and had no knowledge of any activity on my account until a negative remark showed up on my credit report.
Consumer complaint received 2021-05-03
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 (NV)

XX/XX/2020 PayPal received a direct deposit form unemployment benefits and held it. They have held it for over the 180 days they said they would and still wont release it. While calling customer service I am on hold for 3 hours now.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Receivables Performance Management, LLC (DE)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I reported that I had an unauthorized transaction on my account for {$500.00} at an XXXX. I told them this information hoping to recieve a chargeback or refund I was told that regions does provide temporary credit but I never receive. They did not take investigation serious I do not live near an XXXX
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment reported for XXXX of 2019 and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements didnt reach me.
Consumer complaint received 2023-02-14
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: Continental Finance Company, LLC (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2018-10-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In reference to a previously filed complaint XXXX has not responded to the CFPB : I filed a complaint with the CFPB ON XX/XX/18 complaint # XXXX XXXX and Transunion are continuing to report incorrect information on my credit report. They are reporting : THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
Consumer complaint received 2021-07-08
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 went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.
Consumer complaint received 2021-11-11
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. (NJ)

Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - Caliber Home Loans reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with XXXX XXXX XXXX. I have called XXXX and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from XXXX, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : XXXX Thank you, XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/XXXX i did a bill pay from my XXXX XXXXXXXX account, which on that day became XXXX XXXX, but XXXX did not send out any notices they were changing the format on bill pay so i did a XXXX bill pay to my Bank of America XXXX card but cause of XXXX new system became XXXX dollars in stead of XXXXthey payment was received on XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX i called about it and was told it was first needing to be checked for fraud or money laudering due to the nature of the over payment... On XX/XX/XXXX i called to inquire since the 10 days were up and told it would take 2 to 5 business days to get it wired back into my accountXXXX XX/XX/XXXX i called cause now the 10 day research and 5 day send back had both expired and customer service told me on the XXXX XXXX it was initiated and would take 10 more business days ... I understand doing procedures but at no time has boa even called asking for XXXX XXXX XXXX statements to see how long i have had the money or any questions as at all how it happened as you cant speak to the department looking into this...
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (OH)

XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Consumer complaint received 2023-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lockhart, Morris & Montgomery Inc. (FL)

This company calls my phone every single day. They are looking for XXXX something - I am not associated with this person nor is there anyone by that name at my phone number. This may be the prior owner of the cell phone number or a bad contact number given by the person they are looking for. I have advised this company of this information on at least 6 times but they continue to call. This company is NOT licensed to act as a debt collector in the state of Florida.
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliver Adjustment Co. (WI)

Dos of this XXXX  appointment was from 2015 and has been previously attempted to be placed on my credit. This bill was paid by Medicaid I was not working at the time of service. Medicaid patients can not be charged with the balance of a medical bill its illegal at least in WI it is. This should be removed from my credit report immediately. I attempted to contact the collectors and they refused to remove it.
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NY)

I received a debt collection letter on Saturday, XX/XX/XXXX, from Afni, Inc dated XX/XX/XXXX. Afni, Inc alleges that I owe {$230.00} to XXXX XXXX XXXX. I paid {$230.00} directly to XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX via cashier 's check on XX/XX/XXXX.
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was nothing to explain further.. I have been sending letters to Transunion for months now and I have repeated myself over and over again..The accounts don't belong to me..I know this is an error and I ask you to please have the accounts removed from my credit report asap. XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX is reporting a fraudulent collection account on my credit report and refusing to remove it. I have contacted Midland via phone call on XX/XX/2018 at approximately XXXX XXXX and also followed up via USPS certified letter dated XX/XX/2018 which was addressed to the attention of XXXX XXXX in which I stated that the account was a result of ID theft and is disputed, attachments included a FTC ID Theft affidavit and a copy of the police report number. XXXX XXXX XXXX  responded with a letter dated XX/XX/2018 in which they claim that the debt is valid and requesting copies of the police report and ID Theft affidavit. This debt is not valid, I do not owe anything to XXXX XXXX XXXX, I have not entered into any agreement with XXXX XXXX XXXX nor do I have any obligation to this debt. I have already provided copies of the requested documents via certified mail and they continue with their stall tactics and harassment.
Consumer complaint received 2023-03-10
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: DISCOVER BANK (IN)

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Discover Bank ) Making the report is NOT INCLUDED on my Consumer report!
Consumer complaint received 2021-11-10
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: Experian Information Solutions Inc. (MS)

I have requested that Experian verify the mentioned accounts and delete them and they continue not to provide assistance and support in this matter. 
The accounts in question are associated with a different address as well as a different name and they continue to report it erroneously. 
1. XXXX/XXXX/XXXX  XXXX 2. XXXX/XXXX/XXXX  XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX/XXXX/XXXX 5. XXXX/XXXX/XXXX  6 . XXXX/XXXX/XXXX 7 . XXXX/XXXX/XXXX  XXXX  8.XXXX  XXXX  XXXX XXXX XXXX 9 . XXXX XXXX XXXX. XXXX 11 . XXXX XXXX XXXX XXXX. XXXX 13 . XXXX ( Duplicate Account ) 14. XXXX ( Duplicate Account ) 15. XXXX/XXXX
Consumer complaint received 2021-11-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I changed my plan with XXXX. XXXX stated the I would receive a prorated adjustment if my plan is an amount lower than the existing plan. The condition is to set up automatic payments. The result was a new due date. I set up the auto pay for the future due date of XX/XX/22. XXXX did not wait until that date to take the payment. I called Bank of America to dispute the charge and spoke with XXXX, Supervisor in XXXX. He said if this is not a billing dispute Bank of America can not dispute the charge because they are providing me a service. I told him XXXX is committing fraud and providing a disservice by putting through a charge on a payment method and date that I had not authorized. XXXX said Bank of America does not see it that way. I don't care what service they are providing if a company makes an unauthorized charge on my account the fact that they are providing me a service doesn't excuse an act of fraud.
Consumer complaint received 2021-02-25
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. (VA)

After reviewing my credit report through my monthly monitoring service, I noticed that items that were previously deleted from my report were re-reported after years have passed since they were deleted. When I reached out to Equifax and requested that this be corrected immediately, I was advised that there is no way to correct this and that my file is split into two. Unfortunately, as a result of this error, Equifax is now given out information that is untrue about me XXXX defamation ) and refuses to correct it. Before I get an attorney and sue them for this violation of federal law, I am asking for the CFPBs assistance in getting my credit file corrected so that it is not split. This conduct clearly represents a willful and wanton negligence on the part of Equifax. I am essentially authorizing and requesting that you investigate this issues and correct it at once. Please see attached my identification.
Consumer complaint received 2022-04-26
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. 

By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not to be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.