davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (GA)

This is XXXX XXXX and this is my numerous attempt to dispute an error on my Credit File that pertains to accounts that do not belong to me. Despite my previous requests, an account belonging to my daughter continues to be erroneously reported on my Credit File. I am referring to the following accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00}. As I have previously mentioned, this account has been incorrectly linked to my Credit File, and I have not authorized it. I am submitting this CFPB Complaint to bring to your attention that accounts belonging to my daughter has been erroneously reported on my Credit File. This is a serious error that needs to be rectified immediately. I am formally requesting that you take action under the provisions of the Fair Credit Reporting Act to remove this account from my Credit File without delay. Therefore, I am once again disputing this error and request that you remove this account from my Credit File immediately under the provisions of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST PORTFOLIO SERVICING INC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Last 4 of SSN - XXXX Case for card number ending in XXXX I got the case response and you guys are saying that the items ordered match my address. This isnt true. I live in a gated community and my unit has no designation. According to the attached paperwork, someone using another name ( XXXX XXXX XXXX had it go to a location in XXXX, VA with the address saying XXXX XXXX XXXX. I have no apartment. There is another part of the neighborhood that has apartments and is in XXXX. 

Please look again at the evidence presented. Someone clearly took my card near me and did this. 

Please see the attached. Also I have info from XXXX themselves who admitted fault. 

I do NOT live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX. I live at XXXX XXXX XXXX, XXXX, VA XXXX. 
These are XXXX different areas.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX received a False and deceptive communication from Balanced HealthCare Receivables dated XX/XX/XXXX at my place of abode. In the communication it contained false and deceptive tactics and languages to attempt to collect a debt such as Balance d HealthCare Receivables stating that they are debt collectors and that communication was an attempt to collect a debt I the consumer never heard of Balanced Health Care Reciveables prior to that communication therefore I know that I never gave them no direct consent to contact me in regards of any debt so by them contacting me without my direct consent they were in violation of XXXX XXXX XXXX ( a ). XXXX  XXXX XXXX stated in their communication that I the consumer owed {$460.00} which is a violation of XXXX XXXX XXXX ( XXXX ) ( A ) for the false misrepresentation of character for it Is a fact that I can not pay on a positive balance as if I were to deposit {$460.00} into a bank account it is a fact that I don't owe the bank the bank owes me. Balanced HealthCare Reciveable 's communication is on the grounds of a Billing error In and on which I requested documentary evidence pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. Balanced HealthCare is now civilly liable to pay me {$5000.00} pursuant to XXXX XXXX XXXX and from this alleged debt resulting from identity theft {$1000.00} pursuant to XXXX XXXX XXXX ; and they are now criminally liable pursuant to XXXX XXXX XXXX for devising a schemed on the grounds of trying to defraud me the consumer and for their swindle activity to pay compensate me {>= $1,000,000} Also along with notice of billing error I also along with billing error I sent Balanced HealthCare Receivables a XXXX page Validation of debt letter ; and a XXXX page invoice ; and a XXXX page affidavit of truth
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have two instances that affected my credit. First, I had a credit card with XXXX, the bank they had the credit program with was XXXX XXXX. Second, I had a Capital One credit card with Lord and Taylor. 

XX/XX/XXXX : My credit was negatively impacted due to the fact that XXXX XXXX closed and as a result closed my credit card account. The settlement says it is closed because I haven't used it in a while, which wasn't true. It was because the bank closed. 

XX/XX/XXXX : My credit was again negatively impacted because Lord and Taylor went out of business, again it says my account was closed due to not using for a while, which is NOT true. Lord and Taylor went out of business, as a result my credit card was closed and the settlement negatively impacted my credit. 

I reached out to XXXX XXXX, who transferred me to XXXX, who gave me the run around and told me they can't make any adjustments on my account. They also said they aren't the ones who would physically change my credit score, and that I would need to call Capital One and XXXX XXXX directly. As XXXX XXXX  is closed and I had no way to contact them, I tried my luck with Capital One. Capital One said that there is no adjustment for them to make, and spat me back to XXXX ; who then reiterated that they can not physically change my credit score. My credit score is XXXX now, and that is from months of rebuilding from what it dropped to after these two settlements. In other words, before any of this happened my credit was XXXX, after these two 'settlements ' it dropped to XXXX and I worked extremely hard and made sure I paid every one of my bills on time to build my credit up. I can't even imagine what my credit would be right now, had these two 'settlements ' not affected my account. I was talking on the phone with a sibling and a colleague overheard me venting about my credit issues, and after I got off the call my colleague approached me and referred me here as she had a similar issue and worked with you guys to resolve the issue. I'm not sure if there is anything you can do here, but I figured it was worth a shot to try. I don't believe my credit should be affected because Lord and Taylor went out of business, or XXXX XXXX closed. That doesn't seem fair to me. I am copy/pasting an email I received from Lord and Taylor notifying me my account had been closed : " Were writing to let you know that the Lord & Taylor Credit Card program with Capital One has ended, and your Capital One account was closed on XX/XX/XXXX. 

Important information about the transition : As previously announced, Lord & Taylor has ended the Rewards program effective XX/XX/XXXX. All previously issued Rewards expired on XX/XX/XXXX and can no longer be redeemed. 
Your Lord & Taylor Credit Card has been deactivated, and you can not use this credit card for new purchases. 
As long as your account has a balance, youll continue receiving statements, and all terms and conditions remain in effect. ''
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I went to the my local branch of the Huntington bank and I applied the XXXX XXXX credit card on XX/XX/XXXX using my BUSINESS information ( LLC ) only. I was NOT told that Huntington bank would check my PERSONAL credit score for this application of the business credit card at that time. I did NOT sign any document to authorize Huntington bank to pull out my PERSONAL credit score as well. 

On XX/XX/XXXX, I surprisingly received a notice from XXXX XXXX that there is a hard pull requested by Huntington bank to check my PERSONAL credit score at XXXX. 

On XX/XX/XXXX, I was told that my application of the BUSINESS card was denied. I called Huntington bank and I was told that the application is denied because my BUSINESS does not have the sufficient score. 

I am fine with the result and the explanation. But I do NOT understand why Huntington checked my PERSONAL credit score without my authorization. Then I called the Huntington bank again to ask the reason. The representative told me that my BUSINESS has no sufficient score and then they checked my PERSONAL score. My PERSONAL score is very good but the application decision is made based on my BUSINESS score. 

I did NOT like the response from the Huntington bank. 
First, they do NOT have my authorization to check my PERSONAL score for the application of the BUSINESS card. I was not asked for my social security number during the application of the BUSINESS card. They have my social security number because I have a checking account with Huntington bank and my social security number is on file. 
Second, the application decision is made based on my BUSINESS score. They already knew my business has no sufficient score and my application must be denied. Why did they continue to check my PERSONAL score? It is a useless action and its only purpose is to hurt my PERSONAL credit score.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (WA)

Problem with Crypto.com and their associated bank ( XXXX XXXX XXXX ) Wire transfer from XXXX XXXX XXXXXXXX on XX/XX/21 for amount of XXXX USD is missing and beneficiary bank is claiming they have no evidence of reception. I am concerned that I will never see my funds again. This represents a massive sum of money for me I need your assistance in recovering this. 

XXXX  XXXX : XXXX Beneficiary bank : XXXX XXXX XXXX  Routing : XXXX Beneficiary name : Crypto.com Acct : XXXX It seems from online chatter this Bank, or crypto exchange has been having a number of problems just like mine. My issue is not unique unfortunately.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (VA)

On XX/XX/2020 I disputed the accuracy and completeness of information reported by XXXX in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.
Consumer complaint received 2017-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Interactions with XXXX : XXXX/XXXX/XXXX - I received notice that my forbearance was ending under the Standard Repayment Plan, and I saw that I qualified for the Revised Pay As You Earn plan ( REPAYE ) and filed documents to certify for the plan. 
XXXX/XXXX/XXXX - I was notified by XXXX that I would be asked to make a {$5.00} payment under the Standard plan to switch to REPAYE, and the instructions said to simply pay the amount when the bill was due by XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - I paid the {$5.00} required to switch to REPAYE. 
XXXX/XXXX/XXXX - XXXX sent me a denial letter, saying I did n't qualify for REPAYE because I did n't make the payment on time. Keep in mind that this letter was sent BEFORE the due date of the payment ( XXXX/XXXX/XXXX ). 
XXXX/XXXX/XXXX - Called XXXX to clarify ; a representative stated that the rejection " should n't have happened '' and she stated that she would open the application to be re-processed for REPAYE. She stated that someone must have denied me despite them having record of me made the required payment to switch. 
XXXX/XXXX/XXXX - Received a letter of disclosure from XXXX stating that I am in repayment under the Standard Repayment Plan, not REPAYE. 
XXXX/XXXX/XXXX - Called XXXX, spoke to XXXX XXXX # XXXX ), and he noted that my application still had n't been processed to switch to REPAYE, but it was " open. '' Meanwhile, I have a payment under the Standard plan due in XXXX ( more than I can afford ; the REPAYE plan allows for lower payments ). XXXX stated that he would need to put me in forbearance again to avoid having to make the payment in a few weeks, and stated that he put me in forbearance for just XXXX month and that the application " should be processed '' before XXXX 's payment date. 

It is unacceptable that processing applications for repayment plans takes this long and are rejected for false reasons XXXX lack of payment when payment was clearly provided ). I was hoping to make my first payment under REPAYE in XXXX, but I 'm still not even on the plan yet with no set time guarantees for when it will be processed. No representative has been able to give me a set time for when the REPAYE application will be fully processed, except that they hope it 's going to be " before XXXX. '' Meanwhile, my interest continues to accrue due to shady business practices by XXXX.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX I paid the total balance of {$1600.00} on my credit card account. The billing cycle was for XXXX thru XXXX. My payment due date was XXXX. In XX/XX/2020 I received a billing statement for XXXX thru XXXX with a balance for interest charges of {$9.00}. No purchases were charged to this account after pay off had been made. How can I be charged interest on a XXXX  balance? I tried to resolve per telephone call. The rep I spoke with, put me on hold 3 times to consult with other, and I was repeatedly told the charge could not be waived or voided. This account is with CAPITAL ONE.
Consumer complaint received 2023-01-10
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. (CA)

This is my other 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. 




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Consumer complaint received 2019-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

XX/XX/2019Trying to contact navient and a third party who said they were located in the XXXX  answered when I used the link in my email from  Navient I called XXXX XXXX XXXX XXXX and there was no regular greeting or dial tone at all, until it rang to what sounded like an extension. a man who didn’t have my account info and didn’t know why I was calling, which was out of the ordinary, answered and had me spell my name. They asked for full social security numbers. My phone said I was calling fishers, Indiana and so I ended the call due to the discrepancy. The man said all navient customer service was located in the XXXX. They had old statuses on my account, and possibly were the same with a woman who Called a couple months ago and didn’t know my information.Calling other numbers brought me eventually to a woman who said she was in XXXX, and I feel very confused by the different locations and distrusting. The woman who said she was located  in XXXX  said to file this report. My partner in the home spoke with the same apparently third party number- he received three calls although his account is up to date.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

This is the second complaint for this Company XXXX XXXX XXXX XXXX.I reported and issue on XX/XX/2018 to CFPB on this account in question compliant ID 1XXXX.The results came back that they did not have the information need to add this account on to my credit report. It was closed on XX/XX/2018 stating they were going to remove it from the all 3 credit bureaus. It was removed from XXXX and XXXX but not XXXX. I did a dispute on XX/XX/2018 with XXXX they responded that XXXX XXXX XXXX XXXX states its a valid account. I don't understand how they can say on XX/XX/2018 that's its valid but on XX/XX/2018 they was going to remove it from all credit sites. It has passed the 60 days from XX/XX/2018 for the removal. I would like to get this account removed off my XXXX report ASAP.I feel due to the circumstances with this creditor, I should not have to wait any longer due to the issue should have be handled by now. 
NOTE : I had to DO 2 DISPUTES WITH XXXX  to get it removed after they replied to the CFPB stating it would be removed. 

CFBP COMPLIANT NUMBER : XXXX XXXX XXXX File Number : FILE NUMBER is XXXX
Consumer complaint received 2019-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I put a down payment on a puppy through PayPal. The "breeder" who asked for the downpayment had me send him the money through PayPal, and explicitly requested I send it "friends and family" as oppose to business so he could avoid the "fees". I did as he requested. He told me I would have second pick of a female XXXX available in XX/XX/2019. In XX/XX/XXXX I contacted the Breeder and he informed me the puppies had not been born yet, and even when they were, I would have to wait 3 months after that to receive the puppy. I told him this was unacceptable and asked for a refund. He refused. I asked PayPal for a refund, they said because I sent it friends and family, and not as a business, I had no "seller protection". I then disputed it with my credit card company, XXXX XXXX. I explained to XXXX XXXX that I NEVER received a puppy NOR have a I received a refund and its now past XX/XX/XXXX. XXXX XXXX did its investigation and sided with the seller because they ran the WRONG TYPE of investigation. Instead of running it as services not received... as I described, they ran it as refund not processed. And because I couldn't show proof of a processed refund -- they denied my claim. When I called back to XXXX XXXX-- they said they understood the validity of my concern- but there is nothing they can do because they can't dispute an item twice. So then I tried to follow up with the breeder AGAIN. He flat out told me he will NEVER give me a dog NOR a refund. And I have a emails showing such. But yet I'm stuck with a $XXXX credit card bill (interest charged AND LATE FEES) because they backdated the charge and put it on my account. I don't know who is responsible-- PayPal or XXXX-- but I know I have buyer protection at the very least through the credit card. I purchased a good and never received it. Also- I don't know if this matters or not.. But I paid OFF my credit card and CLOSED the account with Capital One because I had an issue with them previously reporting incorrectly on my credit report... They reopened my account to add this charge even though I have a letter saying the account is closed with a XXXX  balance.
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (DE)

The reason for my complaint is that I had changed financial institutions back in XXXX and I contact the company to update my billing. I explained to the representative that I changed banks and if me updating my auto payments on the site is sufficient or do I need to update my debit card on file for payments to be charged. I noticed that they have been debuting my account twice a week. Once on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX via debit card. I checked my account again they are still continuing to take two payments out due to the reps error. Once on XX/XX/XXXX and again XX/XX/XXXX.
Consumer complaint received 2022-04-28
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. (NY)

I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. They violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. In Which I dont believe the accounts listed below should be shown on my credit report. Another law that is being broken is 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 I did not give anybody written instructions. The accounts that I disputed in my letter was : XXXX XXXX  account # XXXX Amount : XXXX XXXX Account # XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I need these accounts deleted off of my credit report due to multiple laws being broke. I need all of the accounts listed above need to be deleted. If not I will be seeking litigation for every account listed above. This is my 3rd attempt. Stop breaking all the consumer laws and promptly erase these unlawful accounts off of my credit report. Erase unlawful accounts listed above asap thank you to whom this may concern