davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account ASSETCARE XXXX balance {$3600.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, ASSETCARE. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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. (ND)

Experian report shows 3 months of on time payments, XXXX and XXXX only shows 1 month for XXXX XXXX This obviously reflects different delinquent dates. On XX/XX/XXXX and XX/XX/XXXX Experian reports that XXXX flagged my account as a charge off, which can only be reported once by the creditor. As well too, on XX/XX/XXXX Experian states credit score dropped XXXX points, yet the only account that could have had an effect on that had a reporting date of XX/XX/XXXX. This account has reported monthly for nearly two years and should not have had that much of an effect on the score. I have disputed the XXXX account twice, XX/XX/XXXX and now XX/XX/XXXX, with Experian saying the account data is correct. Also, the XXXX account states XX/XX/XXXX, under comments, that the account was charged off. However, that is inconsistent with the first payment delinquent date of 30 days after first payment due, which would have been in XX/XX/XXXX. Some files may not be supported, please notify if supporting documents are needed.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (RI)

Citi bank. I was impacted by COVID throughout the year and was able to get a forbearance on two months earlier in the year, resumed my payments afterwards but then was out of work during the small portion of the end of the year until recently in XX/XX/2021. I tried asking for assistance with the payments to be lowered but instead, my minimum payment raised and I was flagged on my credit report for one missing payment after they refused to do anything about my situation.
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had to cancel a label I created with USPS on XX/XX/2016. I received an email from USPS on XX/XX/2016 ( attached ) stating that my refund request was approved. I am attaching another document from USPS stating that they refunded my account on XX/XX/2016. The problem is that B of A debited my account again on XX/XX/2016, they did not credit my account like they were supposed to. B of A told me that they ca n't give me back my money because it has been over 60 days. In my opinion B of A stole {$27.00} from me since they put in the second charge on XX/XX/2016 in error, and they did not credit me like they should have. A B of A manager told me that it was my fault that I did not get my refund, because I did not check my statement, I did not think that I had to monitor something that should have been done correctly.
Consumer complaint received 2020-11-03
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)

I XXXX XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with your company XXXX XXXX, XXXX XXXX. This item is fraudulent and needs to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I refinanced my home loan through the same company we already use for our mortgage, Carrington Mortgage services. We closed in front of a Notary on XX/XX/2017 It is now ) XX/XX/2017 and we are not funded and they asked for more money because they calculated wrong. They asked for more money on Monday after XXXX when our loan should 've been funded. I was told it was to be funded Sat after our 3 day period to change our minds. I now worry about my credit and late fees because I was told my part was paid so I used my money I saved to pay off another bill.
Consumer complaint received 2017-01-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

XXXX XXXX contact XXXX Westlake Financial account number XXXX The loan was paid off and should of been closed wrongful made a payment to them after loan was paid off and they have not given the money back I have had a law write a demand letter months after the incident happened and still no money I am out {$500.00} and it 's been 5 months I made the payment to westlake call over and over talked to my bank XXXX and they said they could n't help because it was trough my the online bank as a wire transfer I told westlake for the first month they said they did no get the payment I should documentation and they said they would send it. Months later I get a lawyer to write the letter they tell him they sent me the money but nothing
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections. 
The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to " Learn how to read my lease ''.
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (WY)

Consistently for the past month I have had MRS Associates from Colorado calling me 5+ times a day from multiple numbers, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. At first, I would answer the phone calls and they would immediately hang the phone up. Then, I was extremely irritated by it and called them back one day after they hung up and spoke to someone to ask why they were doing that and they would not give me an answer. In the most recent conversation I had with a XXXX ( I think that is the correct name, not sure ) She would n't tell me why they had been calling me so much and hanging up. Just asked about me paying the {$110.00} and how I was going to pay it. I told them that I would not pay it if they did n't stop harassing me and I would n't have the money to make a payment for at least another month and to please stop calling until then. The very next day, I received a phone call from MRS Associates and I answered and low and behold, they hang up again. I 'm very tired of dealing with this and I need help with this. It is becoming very stressful and infringing on my time at work. They will not stop even though I have asked numerous times and told them I could n't do anything for at least a month.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I disputed.. 
Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Someone fraudulently filed unemployment in my name. I filed fraud with the Unemployment line and then still received a US BANK Reliacard stating it was for my unemployment benefits. I did NOT FILE. I do not want ANYONE TO HAVe ACCESS to an account. I can not reach a HUMAN BEING. I want this account closed
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (MD)

I am not sure where this account originated from. I have sent numerous letters asking that this account be validated or some sort of documentation bearing my signature be provided to me as it is my right. All of my efforts have been ignored. I would like to be provided with proof this account really exists and belongs to me.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

Today, Monday, XX/XX/2022, I went to use the ATM at US Bank because it is one of the locations that XXXX XXXX XXXX customers can utilize. I was having issues with the machine malfunctioning. I put {$100.00} into my XXXX XXXX XXXX checking account so I could get cash to pay for my taxes being done and my city sticker. I tried putting {$20.00} 5x so I could withdraw 5 of the {$20.00} bills at once. The ATM kept kicking that amount out and only let me withdraw it one {$20.00} bill at a time. That was a real headache in itself. I withdrew a total of {$60.00} ( {$20.00} ) 3x. Then I attempted to withdraw another {$20.00}. The drawer did Not open for me and the ATM spit out a withdrawal slip. Then there was an error message on the screen that read that I should take the money ( {$20.00} ) or it would be retracted. I could not retrieve the {$20.00} because the drawer did Not open. I looked at my checking account on XXXX XXXX XXXX and it showed {$80.00} coming out of my account!!! I immediately notified XXXX XXXX XXXX and they filed a claim. I told them I need this money back in my account right away. I am a senior citizen and I only had a little money left in my account. They told me I might have to wait up to 10 days for a temporary credit!!! This is unacceptable. This is Not my fault. I then contacted customer service at the US Bank Branch where this occurred. They said the ATM belonged to a third party and there was nothing they could do. I asked if they had the name and contact information for the third party and she said they did not??? That doesn't sound right. She told me to file with my bank, XXXX XXXX XXXX. She said the third party would have to do a count of the money first. I asked when that would happen and she had no idea. This is crazy. I need this addressed right away, .I want my {$20.00} back in my account now.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (GA)

I received a letter from from XXXX regarding a debt I owe. I responded back informing them to validate the debt and provide the following : provide a license authorizing them to collect the debt and Proof of unbroken chain of title from ( XXXX ) to ( CCS XXXX ) authorizing ( CCS XXXX ) to collect alleged debt. 

If debt was purchased from ( XXXX ) by ( CCS XXXX ) provide proof of purchase and the amount that was paid. 

I have yet to receive the requested information.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there is still account on my file that needs to be repaired. For that reason I request that f the attached inaccurate information listed in my credit file be FIXED immediately. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXXXXXX.
Consumer complaint received 2017-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX XXXX XXXX, XXXX. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, TransUnion and XXXX. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

I am a XXXX employee who has consolidated and as an attempt to control my payment amounts as well as pay off my debt in 10 years to earn total forgiveness. However, I earn about XXXX a year and have additional responsibilities, like family, mortgage etc. My payments continue to increase so much so that i have begun to be geared toward forbearance over several years. This pushes back my XXXX plan, accrues extreme interest and does not allow me to make any progress on my approx. $ XXXX student loans. Student loans are bankrupting me. A huge portion of my loan was taken out at a college that was not even accredited at the time for the XXXX program I was in. There is no way to dig out from the burden of the student loans I was foolishly allowed to borrow as an unsuspecting college student. I am in a good job with a decent salary and I still can not afford my payments. There are few jobs that allow students to earn enough post graduation to afford to pay back student loans plus interest.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked at my credit report on XX/XX/2022 and uncovered an inquiry on my credit report that I did not authorize done on XX/XX/2022. I called Transunion and disputed inquiry with them. I advised them that I was not able to get a hold of anyone at the company. The rep I spoke with at Transunion name was XXXX and he advised me that I needed to send a dispute letter to them stating that I did not authorize the inquiry and once they receive it then they would delete inquiry. I certified mail the letter to Transunion on XX/XX/2022 based on instructions given to me by Transunion. The company that did the inquiry XXXX XXXX XXXX XXXX and I have never applied for any credit with them nor have vehicle with them. I called them back on XX/XX/2022 and was able to speak to XXXX who looked up my information and stated show could not find my information in their system and that they are unable to send anything to Transunion to remove inquiry since they are not able to locate my information in their system. I called Transunion back on XX/XX/2022 and spoke to XXXX and he advised me that they did receive my dispute letter and that they needed to transfer me to a manager. I was transferred and spoke to XXXX and was advised that they could not remove inquiry off credit report without a letter from creditor who ran the inquiry. I advised XXXX that I spoke to the company that ran my credit report does not have me in the system and they are unable to write a letter to have inquiry removed. This has been very frustrating and Transunion continues to lie and change information on what they provide consumers. While I was also on the phone with XXXX I went over with about another inquiry that was done on XX/XX/2022 from XXXX XXXX XXXX XXXX that I also sent a letter about the same day I sent regarding XXXX XXXX XXXX XXXX and he gave me the same information. They continue to give me the run around.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (TX)

In accordance with Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
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 ()

PayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them and they just decided to close my account right away without giving me the chance of defending my side, " stating that the decision has already been made final '' in an instant without due process. However I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX