davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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: BARCLAYS BANK DELAWARE (TX)

There is a inquiry on my report I do not recognize from Barclay 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the XXXX report
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX I made a partial payment on my auto loan of {$360.00}, through my loan company 's online payment portal, PNC. I received my confirmation confirming my payment of {$360.00}. On Wednesday XX/XX/XXXX, my husband noticed through our online banking account that PNC has drafted {$1000.00} out of our account. I called and spoke with a PNC representative ( XXXX XXXX, provided XXXX with my confirmation number and the amount in which I paid. XXXX confirmed I had paid {$360.00} and informed me that PNC had implemented a new online banking system and there were still glitches with this system. He requested an expedited refund, provided me with a case number, and informed me I should have my refund of {$70000.00} by Friday, XX/XX/XXXX. There was not a deposit on Friday XX/XX/XXXX so I called PNC, and they reassured me that refund request was expedited and I would receive my refund by Monday. Today, Tuesday XX/XX/XXXX, I called PNC because my refund still has not hit my account. The representative informed my request for a refund has been denied, because if they refunded me the full {$700.00}, it would cause my payment to be delinquent. In all reality, my payment is not delinquent until XXXX- they stole my money and I would like my money back. I paid {$360.00} on XX/XX/XXXX and they took {$1000.00} - this is stealing, and this has caused repercussions with my account. Just because they are a bank, they should not be able to get away with this. They should refund me my money and pay for damages this has caused. They charge me with late fees, and they should be charged with theft by taking. I had to place yet another claim today and I am still without my money. PNC has stolen my money and they needs to be made right.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX we applied for a mortgage. XXXX  had my credit report and so did XXXX  but Experian had nothing. My whole credit file was missing. We started calling them then. Most recently, XX/XX/XXXX, began calling them again. The same situation. I was told my creditors do not report to them. We contacted our creditors and they all report to Experian correctly. I called and finally someone opened a report XXXX. The dispute shows my credit file but it still is not reflected on Experian and my FICO score just says no score available. I tried to call three times today and I get hung up on. I do not know how to resolve this issue. The other two credit bureaus show all my credit cards, auto loan, past mortgages, etc but Experian shows nothing.
Consumer complaint received 2021-05-02
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. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the XXXX law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and XXXX authorization. XXXXPlease provide a breakdown of fees including any collection costs and medical charges XXXXProvide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

I have never heard of this company until XXXX XXXX yesterday when I received my first voicemail on my personal cell phone from them. Then voicemail said they were from a law office attempting to collect a debt. I can not take personal calls at work, so I decided I would call them when I got off work to see what they wanted. 
They called my place of employment ( where I have only been working for 3 days ) and informed myself colleagues they were trying to collect a debt from me. The caller asked me for my social security number and my date of birth. I told them I would not be giving that over the phone, and that it is not ok to be calling my place of employment and I demanded that they stop and I hung up the phone. 
They called back immediately after I hung up on them and demanded to speak with my boss, and my boss boss about this. That is absurd and I informed them that they would not be getting through to my boss and to stop these calls to my work number, and I hung up on them again. 
They called my work a third time, and spoke with another one of my colleagues asking for my SSN and DOB and asking for my boss phone number. My colleague of course did not give it to them and hung up. 
The caller then somehow found my boss number and left him a voicemail. 
The caller ALSO called my sister and informed her that he was trying to collect a debt and asked how I can be reached. 
All of this occurred within a 45 minute period, and I have never hear of this company until XXXX XXXX yesterday. 
They refuse to tell me what kind of debt they want to collect, or from whom, until I give them my ssn and dob, and they have repeatedly called my place of employment, advertising to colleagues that I have known for 3 days total that they are trying to collect debt from me, even after I demanded that they stop.
Consumer complaint received 2021-05-21
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. (TX)

In XXXX of 2021 I filed a CFPB complaint against XXXX, TransUnion, and XXXX regarding the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a representative from XXXX, TransUnion, and XXXX and they told me that the following accounts are " verified '' even though they did not hear from the creditors directly regarding their investigation. So basically, the account was just updated, but I still see the same errors. I have requested validation from these creditors directly ( which I have attached the certified mail receipts and included the certified mail tracking numbers ) and they never furnished any proof of debt such as a signed contract bearing my signature. From my understanding, a bill is not a validation so they have basically ignored my requests.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am trying to resolve a name error on my XXXX 1099-INT form. I have a Spark Business checking & savings account as well as a personal ( 360 ) checking & savings account with Capital One. The business account is a single member LLC which is a disregarded entity for tax purposes ( uses the owner 's name and SSN for tax purposes ). Somehow, the 1099 was issued with the business name and my social security number. This creates a problem because that SSN is for me and not the business. It will create a name/SSN mismatch with the IRS. This erroneous 1099 with the business name & my SSN covers both my personal and business accounts. I have tried unsuccessfully to resolve the issue with both Capital One 360 ( personal ) and Spark Business. 

This complaint was originally submitted on XX/XX/XXXX. I received a reply from XXXX at Capital One onXX/XX/XXXX stating the 1099 name error had been corrected and a new 1099 form would be sent on XX/XX/XXXX. The error has NOT been corrected and a new 1099 was NOT issued. I have been unable to reach XXXX at Capital One after leaving a voicemail on XX/XX/XXXX.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (WA)

My identity was stolen in mid-XX/XX/XXXX. Since then multiple fraudulent accounts have been opened around the country using my name ( most of the accounts were with cable companies ). I have put a freeze on my credit report and have successfully challenged all of those fraudulent items on my credit report except this one that I am submitting this complaint about. 

In XX/XX/XXXX, Sequium Asset Solution put a negative item on my credit report for a claim of {$1700.00}. When I became aware of this around XXXX, I contacted Sequium to ask what this was about. They told me that they could not tell me and that I had to contact XXXX. I did speak with XXXX about this and other fraudulent negative items on my report. XXXX was not sure what Sequium 's claim was for but XXXX  did give me very helpful instructions on the process for submitting paperwork to them to challenge all of the claims. After following those instructions, every negative item on my report was removed except the one posted by Sequium. 

In XXXX I called Sequium to ask again what this claim was about and to find out how I can challenge it with them. They initially told me that they couldn't tell me what is was about, when I informed them that I would report them to the CFPB, the person then said she would transfer me to a supervisor who could help me. After waiting on hold for 30 minutes without speaking to anyone I hung up and instead used their online form to submit my questions. I submitted my question approximately 3 weeks ago and I have not received any response. I still do not know what this claim is for and Sequium refused to remove the negative item even after I submitted proof of my actual identity to XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NC)

XXXX closed the account with Fortiva on XXXX XXXX XXXX, due to the deceitfulness of XXXXXXXX XXXX account terms. I contacted Fortiva about this account and was informed that the account was closed. XXXX has scheduled to pick up all the equipment on XXXX XXXX XXXX, and not to worry about any issues with the closed accounts as I am currently in Bankruptcy. As a result, Fortiva has retaliated by negatively submitting erroneous credit disparaging information on my credit report. 

I request assistance to stop this harassment and clear up my credit report due to the fact, that I am in Bankruptcy, XXXX has informed me not to worry about my FORTIVA accounts have been closed with no adverse action and request that FORTIVA stop contacting me as well. 

Here 's the agreement between XXXX to cancel the accounts : On Tue, XXXX XXXX, 2024, at XXXX XXXX XXXX XXXX wrote : XXXX XXXX, Thank you for your response. I do want to apologize for the experience you have had with XXXX. XXXX offers the removal of the XXXX equipment for both services. Along with the removal of the equipment XXXX will provide cancellation of the remaining XXXX monitoring contracts and XXXX XXXX XXXX XXXX on both services. 

Please respond directly to this email to accept this offer and move forward. 

Thank you, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX corporate logo Request FORTIVA to delete the erroneous information on my credit report ASAP and stop contacting me as they charged me excessively. I am a XXXX XXXX  veteran and I am dealing with my XXXX XXXX  and on a fixed income. 
Respectfully, XXXX XXXX
Consumer complaint received 2019-06-06
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXXI accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

These accounts belong do not belong to me and are on all three credit bureaus XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$130.00} XXXX # XXXX {$900.00} XXXX/XXXX # XXXX {$0.00} XXXX/XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$0.00}
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX/XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MD)

Dear CFPB, We had contacted Paypal 's XXXX service many times. No response. 

We need help with transaction XXXX. 
XXXX customer service is not replying. Receiver is saying they do not need the deposit. They are asking did XXXX send money as " XXXX XXXX ''. 

Please ask Paypal to help.
Consumer complaint received 2019-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (PA)

During a lengthy conversation discussing the prior CFPB complaint and rectification, I was told that all late fees accrued that were previously not required to be paid until end of loan are now due because they were not rolled into the fixed rate. 

There should be no change to loan terms other than fixed rate amount due determined by loan length. 
While I did make several phone calls to the customer service number and had It previously confirmed, as recently as today XXXX - XXXX advised otherwise today. Branch manager XXXX said it should be ok to pay at end of loan as was always the case, but he was not sure. Customer service agents on phone told me ok to pay at end of loan. 

I did not agree nor was I asked or informed prior to conversion that all accrued late fees would becom due as a stipulation of conversion. 

Please confirm that as always, if we choose to pay late fees at loan end, we will not be penalized in any way on our credit report. Satisfying the minimum payment due within the 30 day period each month is what is required to keep the loan current and in good standing. 


Secondly, an additional amount was found to be payable to us, please clarify where the additional funds you offered were found because of our phone call. 
I do not feel a complete and accurate assessment is being performed.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my second complaint my first one was # XXXX Bank of America still has my money from the irs that was deposited in XXXX on an account that was closed in XXXX. Do yo the inability to give me straight answer I am searching for a lawyer to help me with this problem I am being evicted and the bank has no response to when or where is my money
Consumer complaint received 2020-02-19
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. (NJ)

I have collections on XXXX, Equifax, and XXXX that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I received a notice in the mail of an old debt for XXXX for an outstanding bill dating back to 2006. The notice is a settlement offer of {$100.00}. The statute of limitations has passed to collect on a debt this old. I called the company and informed them of this. The customer service representative placed me on " hold ''.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NC)

XXXX closed the account with Fortiva on XX/XX/2024, due to the deceitfulness of XXXX XXXX account terms. I contacted Fortiva about this account and was informed that the account was closed. XXXX has scheduled to pick up all the equipment on XX/XX/2024, and not to worry about any issues with the closed accounts as I am currently in Bankruptcy. As a result, Fortiva has retaliated by negatively submitting erroneous credit disparaging information on my credit report. 

I request assistance to stop this harassment and clear up my credit report due to the fact, that I am in Bankruptcy, XXXX has informed me not to worry about my FORTIVA accounts have been closed with no adverse action and request that FORTIVA stop contacting me as well. 

Here 's the agreement between XXXX to cancel the accounts : On Tue, XX/XX/2024, at XXXX XXXX XXXX XXXX wrote : XXXX XXXX, Thank you for your response. I do want to apologize for the experience you have had with XXXX. XXXX offers the removal of the XXXX equipment for both services. Along with the removal of the equipment XXXX will provide cancellation of the remaining XXXX monitoring contracts and XXXX XXXX XXXX XXXX on both services. 

Please respond directly to this email to accept this offer and move forward. 

Thank you, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX corporate logo Request FORTIVA to delete the erroneous information on my credit report ASAP and stop contacting me as they charged me excessively. I am a XXXX XXXX veteran and I am dealing with my XXXX XXXX and on a fixed income. 
Respectfully, XXXX XXXX
Consumer complaint received 2021-05-02
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)

Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$1300.00} Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$4400.00} Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$6100.00} THE ABOVE ACCOUNTS ARE NOT MINE. I HAVE DISPUTED ACCOUNTS WITH EXPERIAN AS WELL AS XXXX XXXX AS NOT MY ACCOUNTS SEVERAL TIMES IN WRITING. ACCOUNTS STILL REMAIN ON MY CREDIT REPORT. 
I specifically, deny that these alleged accounts/debts and/or accounts stated/implied and/or obligation is certainly NOT mine, if this alleged account/debt and/or account stated/implied is certainly NOT mine, I deny that these account/debt and/or account stated/implied and/or obligated to is NOT authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan-level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with XXXX XXXX or any of its Affiliates nor have I ever engaged in any business with XXXX XXXX in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation of my good name, and has caused me injury for which I will seek redress, compensation, and settlement. I specifically demand within XXXX days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief, and just compensation for any and all violations of my consumer rights and any other rights not mentioned.