davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (DE)

I received a copy of my credit report and found the following Item ( s ) to be INACCURATE 1. INACCURATELY REPORTING EDFINANCIAL ALL ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 7. INACCURATELY REPORTING XXXXXXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 8. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 9. INACCURATELY REPORTING XXXX XXXXXXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 10. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 11. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 12. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 13. INACCURATELY REPORTING XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 14. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 15. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 16. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 17. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 18. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED Items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months. 


Sincerely, XXXX : XXXX Without prejudice Without Recourse
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: Merchants and Professional Bureau, Inc. (TX)

On XX/XX/21 Merchant as Professional collection, amount {$290.00} and {$170.00} violated my hippa without consent by sending procedures and personal labs.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Webcollex, LLC (CA)

I had an account with a company called XXXX XXXX XXXX that was ultimately charged off and sold to CKS Financial/ XXXX XXXX. I have paid the amount off in full to the CKS Financial/XXXX  XXXX  in XX/XX/2018 and they have yet to report it to any of the credit bureaus as I was told by them that they would. To date neither XXXX XXXX XXXX nor CKS Financial/XXXX  XXXX have changed the status of my account in none of the three credit bureaus and again the account has been paid in full for over six months.
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ceannate (FL)

this company is calling me for a dept that is not mine they call my sister and get my adress from her they call me many time and i teell then to stop calling me ... .i have all my credit card and i never been late in my payments ... i have no idea where they have all the information from probably that was from my father with my same name but i m not resposible for this bill ... my father past away around 15 years ago ... this same problem i have few years ago ... please try to help me they are driving me crazy ... also if that belongs to my father ..here in florida we have 7 years statue of limitation ... please try the ebst you cant to stop this people botherdme ... 

Thanks XXXX XXXX XXXX Here enclosed you find the last letter that i received
Consumer complaint received 2024-05-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NV)

I deposited {$250000.00} with Webster Bank ( XXXX ) XXXX year ago. My XXXX year XXXX matured and I requested the funds be returned to me. They said OK but it has now been over XXXX weeks and they have not returned my funds. I emailed XXXX times through their client portal and I have called XXXX times. On the phone calls, they have told me the same thing each time -- wait a few days. The response to my email was " we are having trouble with XXXX transfers ''. They tell me not to worry because I am getting interest but I need my funds.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (OH)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-21
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: EQUIFAX, INC. (OH)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

We paid our loan in full on XXXX XX/XX/2020. On XXXX XX/XX/2020 I called to inquire about disbursement of the funds in both the Escrow account and the Buydown account as I had not received either, to which Dovenmuehle could not locate nor seem to understand our buydown account and after 25 minutes on hold the account was located and confirmed to have not been disbursed. I had to request that the account be refunded ( which is a problem in itself ) to which I was told it would take 21 business days. After 21 business days ( XXXX XX/XX/2020 XXXX the account was flagged as needing to be reviewed by the Special Funds department and as of today, XXXX XX/XX/2020, the funds in the buydown account have not been released by Dovenmuehle Mortgage, nor can the Special Funds department be contacted directly by the customer. I have called Customer Service six times over the last two months about this issue. The buydown account has over {$1700.00} in it.
Consumer complaint received 2020-07-21
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. (AL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : XXXX XXXX Amount of Debt : {$690.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt.

3. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions that are included in the debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report.

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-07-21
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. (AL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/XXXX and XXXX 2019 I made several large purchases from a XXXX XXXX totaling in the amont of {$2700.00}. I had purchased recklessly so I revisited the merchant and returned all of the items I had purchased. The merchant indicated that within 5 to 7 business days I would be credited back to my bank account. I was reimbursed XX/XX/2019 for a total of {$42.00}. I Immediately contacted bank and expressed the matter and opened a dispute against the merchant. I was assured that within 10days the dispute would be resolved or a provisional credit of sorts would be issued to me. During the course of the next few months I contacted the Bank about this dispute and requested the provisional credit. Each time the bank stated that the disputes team would be in contact with me very soon, with an update. During the time several support emails had been exchanged stating that the investigation was still taking place. On XX/XX/2019 the bank issued refunds and credits for the total amount of {$2600.00} however it immediately issued reversals and forced debits to my account in the amount of {$2600.00} and issued me an automated message via the support message saying that it apologizes but there was a system error and they are working to correct the issue. I contacted the bank expressing my anguish, need, and confusion, and it replied that the investigation was still underway and that someone from the disputes team would be in contact with me. I continued to reach out the bank several times each week until finally I received a message on XX/XX/2019 from the disputes team stating that the merchant had Five business days to reply. I asked what that would entail, the disputes team clarified that if the merchant did no reply that the dispute could be closed and found in my favor. XX/XX/2019 I reached out asking why I hadnt been reimbursed because the reason I was given. The disputes team failed to respond to me. I then sending messages stating that I would escalate this case to the CFPB because it was illegally how this bank was and still treating me, and then it caused the disputes team to reply on XX/XX/2019 requesting I submit to them documents associated with visa by XX/XX/2019, I complied with their request and sent the documents to visa directly myself as well as to them. However I still have not received my money the bank continues to withhold these funds from me and ignore me completely.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc. (IL)

I applied for consumer credit and am need of all of the records and files both private and public associated with such transaction. I am also claiming all rights, titles and interest to my application that was denied and want the check to be sent to XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Illinois XXXX in 5 days.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: QUALITY ACCEPTANCE LLC (VA)

I have provided my invoices as documentation and evidence of the type of practices I have experienced with the company, Quallity Acceptance. The explanations given about the practices did not make practical sense and I've had several attorneys and car dealerships to review the invoices to see if they could surmise what the company was doing with the extra payments that I was making on the loan ; none of them come explain or follow the process. If you look closely at the Account Activity - Overage/Shortage ( in the center of the invoice ) and the Due Dates ( at the top right ) ; this was alarming to me and I called three to four times for an explanation ; again their responses did not make practical sense in terms of how they applied my second payment each month. 

You will notice a change in the " contracted '' amount of {$470.00} ; it changed to {$540.00} and their explanation was that it is how they will " catch me up '' on the payments being applied to the account. I called and asked for an amortization schedule approximately 5 months ago and to date I have not received one ; this would have been the second I would have received. Also, how does a company automatically change the contracted amount on an installment loan without redoing a contract? 

My latest statement has a due date of XXXX, 2022 and the Overage/Shortage is now {$23.00} or so when it was showing as a negative amount upwards of {$300.00} or more which reflects the additional amounts I made monthly. As a consumer, I am quite upset with the answers and processes that I see occurring. 

I printed out all the documents and attached them to the complaint.. 
Thank you for any assistance that you can provide in this matter ; I really appreciate it.
Consumer complaint received 2021-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Nguyen Law Firm, PLC (VA)

Third party not involved, On XX/XX/2021 I received a letter in the mail from Nguyen| Ballato Law Firm stating that I owe an alleged debt of {$77.00} plus attorney fees of {$25.00} totaling to {$100.00}. I sent out a letter requesting that Nguyen|Ballato provide me with documents stating that I owe this alleged debt, who gave Nguyen the right to have my information and collect on this alleged debt etc etc. 

My Consumer rights and my Rights to Privacy have been violated.
Consumer complaint received 2020-07-21
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. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-07-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (WI)

I had a car loan for several years and the interest they charged had me owing almost the same amount getting no where paying {$400.00} a month several years. I was in an XXXX marriage and he forced me to give the car back so I did. I returned the car about 6 years ago. They called harassing me for one year and then decided to take me to court. I was unable to get to court and lost. They tried to garnish my wages and I showed the judge I was very poor so he denied them that.

My problem is on my credit report they show it just happened 2 years ago. I have been trying to fix my credit after losing everything but I can't even buy a car because it looks like it recently happened.

I have court papers from when they finally took me to court saying that was XX/XX/2014 but I don't have anything to prove its been 6 years. Either way they are out to hurt me anyway by reporting it the way they do. I called once and the person laughed and said next time you will think twice before not paying your debt. 
I never would have not paid had I been able to pay the loan however I never got anywhere after 3 years. 
Is there anything I can do or a way to at least have them report it correctly? If not I am not sure how I can ever fix my credit.
Consumer complaint received 2021-09-14
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. (MD)

I am a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened a Citibank account due to a separation. I am a first responder, and needed a bank that was convenient to my headquarters. I tried to transfer {$180.00} and some change and didnt realize their format automatically put in a comma instead of a decimal point, so I accidentally tried to transfer {$18000.00} from my old bank account. My account then showed as - {$18000.00}! I called them right away and explained it was a typo. They told me it was pending and would take a few days. Come XXXX, I deposited my paycheck into another checking account because the one I opened still showed as being $ XXXX. I deposited a check of almost {$1700.00}. I chatted online with customer support about the issue. And the next day it said account blocked. The department who could fix it was not there on weekends. I finally got a hold of someone today who explained that they closed the account and I would receive a letter explaining why within 30-60 days, and I would also get my funds via check in 60-90 days. I dont have any money other than whats in my Citibank accounts. And I have to pay rent and take care of kids and pets and bills. Can you please help me get my money out of those account ASAP. I read quite a few horror stories on XXXX about the same thing happening with new account holders and the OCC and CFPB got brought up a lot for being able to help out. Thank you so much
Consumer complaint received 2022-09-14
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I received the following email : XXXX XXXX XXXX XXXX XXXX ( XXXX hours ago ) to me Hello Sir, Tuesday, XXXXYour prompt payment is valuedXXXX There is an attachment billing me {$220.00} for XXXX  using PayPal. I have never purchased XXXX via PayPal or any other service. There is a fake invoice with the PayPal name on it.
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WEICHERT FINANCIAL SERVICES (PA)

Weichert financial services has an online way to pay your mortgage. The first time it malfunctioned they convinced me I made the mistake. Simply put the payment I submitted did not 'take ' they admitted they could tell I was online and then reprimanded me for not making sure I got a confirmation email. These emails could take up to a day with the old system and i reluctantly paid the fee. After they modified the site a similar thing happened, this time I went in to overpay to pay down principal however after i submitted the over-payment I realized not only would there be a delay in a coming deposit but also another bill that had a pending outgoing payment. I called and spoke to an agent that informed me that I could do this from the site I asked her to remain on the phone while i cancelled the payment I has just set up, she did, I went through all the steps that not only she told me to do but were part of cancelling this online. I got an onscreen message that said the payment had been cancelled was overjoyed told her I was sorry for bothering her and if i knew it was that easy I would n't have made the call. The payment went through and I got charge fees on both ends. When I called the next agent at first admitted she could see I had been on line and what I did when I was there but as soon as i complained about the payment attempt despite cancellation she clammed up and told me it was my fault for not getting a cancellation email. I told her I got the message online and did not know it was to be accompanied by an email once i received online verification. She then told me that the only way I would get a refund was if I could produce the email which I never received. I told her the mistake was in their system and she had the audacity to stand by the error they made then ask me how getting upset was helping me. This happened last summer and they still refuse to cancel the charge. I have been late I have overdrawn and I pay those fees with no problem when I make the mistake but to make me pay for an error in their system is unconscionable. I want this fee refunded as they processed a payment they were not authorized to process