davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC (AZ)

On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with Credit Control, LLC., account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. 

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX
Consumer complaint received 2022-01-13
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I disputed a XXXX XXXX account on my Chexsystems report and they didnt remove it off my file and I paid that balance in full. And Im requesting they reopen the investigation.. I never applied for this bank but I Did paid off the balance I dont owe {$400.00} I owe the bank XXXX and I need this corrected and remove I dont owe this balance at all
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is the 9th Complaint against Select Portfolio Servicing ( SPS ) and its Principals via CFPB and Comptroller of Currency ( COC ). SPS refused ( a ) to respond to all elements in my First Qualified Written Request ( QWR ) under RESPA and ( b ) refused to mail Monthly Mortgage Statement - engaging in fraudulent misplacement of my mortgage payments, since XX/XX/2020. Now, at the end, it requies a Federal Lawsuit. 

There are over 10,000 internet complaints against SPS and its principals and I request that CFPB investigate and sues SPS-RICO organization for its massive criminal acts and fraud.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (NC)

My complaint is against XXXX XXXX XXXX XXXX in the amount of {$1400.00}. This debt has not been validated as I have asked before. I need validation of this medical bill, they are not the original owners of the debt. I will not take verification. I also had XXXX so the debt need to be submitted correctly for XXXX can pay it.
Consumer complaint received 2022-01-13
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. (IL)

AROU F XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE IT.
Consumer complaint received 2022-01-13
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. (IL)

I have accounts on my report that inaccuracies they have been disputed late payments due to Covid forbearance and also collection accounts have not been validated I have also been harassed repeatedly these accounts need to be remove these claims are fcra violations
Consumer complaint received 2021-06-02
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. (NJ)

Based on the law, 15 u.s.c 1681a ( 2 ) ( B ), I believe Experian has violated my rights by furnishing consumer credit transactions in my consumer report without my approval.

I have sent written request for Experian to remove the following accounts from my report : 1. XXXX  XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX Experian has not honored my request and I demand that they removed the above accounts immediately.
Consumer complaint received 2022-04-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AES/PHEAA (NY)

AES has ignored my request for investigation of forged documentation on my promissory note. They have used elusive tactics and verbiage to elude the fact this promissory note is proven to be forged. I have provided the package back with all my signed notarized signatures and samples from documentation-signature past and present- current for comparison. The promissory note was forged by someone at XXXX  XXXX XXXX XXXX * { k. XXXX possibly see promissory } inserts were made, dates were altered, scratched off not signed to verify the altered dates, and this signature is mine. The inserts of persons reference are completely false. The person that altered this inserted friends when they are in fact my family. This altered inserted description is not my handwriting. 
The transfer forged documentation over to Goal Financial from XXXXXXXX XXXX XXXXXXXX XXXX was illegally preformed. They have not provided me with proof of a hand analysis experts to come to conclusion for denying my claim. They are elusive to my inquiries regarding this case. 
I have been dealing with this since 2019 during the hardship of the pandemic, when discovery of the promissory note was mailed to me only because I requested it. I have never received this promissory note and I can see why. It was altered and forged
Consumer complaint received 2022-01-13
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. (IL)

I have accounts on my report that inaccuracies they have been disputed late payments due to Covid forbearance and also collection accounts have not been validated I have also been harassed repeatedly these accounts need to be remove these claims are fcra violations
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (NY)

I opened my SoFi checking and saving accounts XX/XX/XXXX with {$300.00} new account bonus promotion applied. The promotion stipulates that I need direct deposits totaling {$5000.00} from an employer or a government agency within 25 days to receive the bonus. The bonus will be paid 7 days after the requraenemts are met. I received 2 direct deposits from government agencies ( XX/XX/XXXX : {$4300.00} from IRS TREAS 310 and XX/XX/XXXX : {$950.00} from NY XXXX ). I reached out to SoFi on XX/XX/XXXX and learned that the deposits sis not code properly and that they would create a ticket to address the issue. I have not heard back since.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have files a compliant with federal trade commission because of my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-06-02
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: OneMain Finance Corporation (MD)

XXXX  reported a hard inquiry from One Main Financial. I have NOT requested any credit from On Main Financial. XXXX  is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want XXXX to remove the false information regarding One Main Financial & restore my 10 points!
Consumer complaint received 2022-04-29
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have 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 an account without my written instructions.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I made a cash deposit on a Bank of America ATM for {$1300.00} dollars. 
On my account summary this deposit appears with date XX/XX/XXXX as a proof that the deposit was made. 
On XX/XX/XXXX, on my account summary an ATM Debit adjustment is made for {$1300.00} dollars. 

On XX/XX/XXXX I presented myself at XXXX XXXX branch to make the claim where the Relationship Banker XXXX XXXX XXXX helped me to solve this problem, on this date my {$1300.00} were refunded to my account while they make the investigation. The ID reclamation is XXXX On XX/XX/XXXX I received a message from Bank of America stating : That unfortunately they were unable to approve my recent claim. 

They found the transaction the I referenced but they can't find any record of cash or additional cash being deposited at the ATM for {$1300.00} dollars between XX/XX/XXXX and XX/XX/XXXX. 

Hence, they removed the on XX/XX/XXXX my {$1300.00} dollars. 

I need my money back, I am sure that with the evidence of the deposit transaction made at the ATM and showed in my Account Summary is more than enough. 

Thank you for your help.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OK)

I have reached out to the company on multiple occasions to verify the debt. They will not be send anything to verify but threaten and harass me with phone calls after contacting them. They call several times a day, back to back but will not verify the debt.
Consumer complaint received 2021-02-04
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: American Credit Acceptance, LLC (PA)

I am requesting proof of ownership. I did not sign off on this loan. This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that American Credit does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Consumer complaint received 2022-04-29
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: Paramount GR Holdings, LLC (CO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

AROUND XX/XX/2021 I NOTICED A COLLECTION APPEARED ON MY CREDIT REPORT I DISPUTED IT AND IT WAS DELETED XXXX XXXX AND NOW IT HAS REAPPEARED UNDER A DIFFERENT COLLECTION AGENCY I CHALLENGED THE ACCOUNT AND ALL THEY DID WAS UPDATE IT SO THE ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT AND THEY WILL NOT REMOVE THE INCORRECT INFORMATION. I HAVE ASKED SEVERAL TIMES. THIS ACCOUNT HAS ALREADY BEEN DELETED ALREADY AND SHOULD NOT BE REPORTED ON MY CREDIT REPORT I HAVE ATTACHED THE REPORT WHEN IT GOT DELETED AND WHAT IT IS REPORTING AS NOW.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor 11 XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor 11 XXXX - Open date- XX/XX/XXXX 3. XXXXXXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1.XXXX XXXX Inquiry date- XXXX XXXX, XXXX 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXXXXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry dateXXXX XX/XX/XXXX 6. XXXX - CARD XXXX- Inquiry date- XX/XX/XXXX 7. XXXX XXXX XXXX-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9. EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXXXXXX XXXX Inquiry date- XX/XX/XXXX 2019
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Internal Check Systems, LLC (MO)

I received a call today from ( XXXX ) XXXX. She stated her name was XXXX XXXX and was calling with Check Systems/Consumer Report Agency about fraudulent activity on a XXXX XXXX account. She stated I needed to call her back immediately or have my lawyer call her. My father also received the same call and she threatened him with begin served if he did not make sure I called them back. They gave me one file number and him a different one. I know this is a scam and want it to stop immediately.
Consumer complaint received 2024-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am having trouble with Capital One 's disputes department. I opened a dispute in XXXX after being charged {$600.00} for rental car damage - even though I have a video that does not show the damage when I dropped off the car, as well as an email from the merchant stating it can't be determined that the damage was from me. That said, I've had to open the dispute XXXX times already and the disputes team keeps closing it out for reasons that have nothing to do with a resolution one way or another.

The XXXX  time, they said they had to recode it under another code - whatever that means - I still had to call back and reopen it.

The XXXX time, they said they did not receive my documentation, which I mailed to the address on the dispute form and sent them a copy of when I reopened it the XXXX time. 

The XXXX  time they told me that I was indeed issued a credit from the merchant - which was not untrue except the credit had nothing to do with the dispute ( it was the difference between the hold put on my card when I picked up the car and the actual charges incurred when I dropped it off ) and was clear if they looked at the detailed invoice I sent them. 

And the XXXX  time, I was told I did not submit the documentation again - after I submitted it no less than XXXX. 

I also sent multiple emails to the CEO and was contacted by the executive escalation team, which opened the dispute for the XXXX time, and no further action has been taken. They refused to give me contact information to follow up and my phone calls requesting updates result in me sitting on hold for hours while they ''research the case '' until the call is mysteriously disconnected. 

I am now of the belief that the barriers in the process are not meant to be overcome. I have a XXXX XXXX XXXX  and XXXX  years of business experience and if I can not get through this process, I can't imagine how many other people are struggling with the same thing. 

Please help.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

CoinbasePro account has been disabled since XX/XX/XXXX and I am unable to sell or transfer my funds. For some reason, my deposit of XXXX  did not go through with my bank and coinbase flagged my account. They froze everything and gave me a negative balance of {$1900.00}. After 5 days they automatically recover the {$1900.00}, but the rest of my crypto is still frozen and my account is still disabled.
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (NV)

I have attempted to resolve this situation with Ars. This company is reporting that I owe two accounts to them. These accounts are fradulent. 

{$210.00} {$1200.00}
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (MI)

Company Frost-Arnett XXXX, TN ( Debt Collector ) trying to collect {$6000.00}, XX/XX/XXXX ( A medical bill from XXXX ) to creditor XXXX XXXX XXXX, MI Early in XXXX, I tried to dispute with both XXXX and my health insurance ( XXXX XXXX ) company about this large bill. Apparently, they didn't bill my insurance. I tried calling them both ( several times at least 3-4 times each ) trying to resolve this issue. I was tossed back and forth and they never gave me a straight answer. I suspect this was some kind of financial scheme to coerce me to pay {$6000.00} instead of having my insurance take care of it. I had paid my health care deductible in full in XXXX and shouldn't have a bill that high.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

I had a mortgage with First Bank Puerto Rico and refinanced in XXXX of 2021 with another lender due to the continual frustration with the servicing of the loan. I've made several complaints with the cfpb in the past regarding those mishaps. I have been attempting to get the status of the 1098 tax form from First Bank Puerto Rico via numerous phone calls and emails. I get a different response every time which includes the 1098 form is mailed already, the 1098 form will be mailed by mid to end of XXXX of this year, the 1098 form will be mailed next week. Historically, I've never been able to get mail from First Bank Puerto Rico. They blame USPS. To that point, I asked that the 1098 be emailed. I received an email from a person in leadership stating the 1098 form will be mailed ( attached ). Did not receive it and during the last call to customer service, I was told that 1098 forms are never sent via email. Yet another discrepancy in information provided by this lender. 

I might add that I no longer have access to their portal since the loan was paid off.
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (DE)

I have been trying to gain access to my Equifax report and score since XX/XX/2020 TO NO AVAIL! I've called, I've emailed, I've fax numerous times, I've sent regular mail - everything that they asked for. I've sent copies my Driver 's License, my SSN card, my voter 's registration card and a utility bill. They should have this information in their office at least 8 times - sent the variuos ways I've mentioned. 

If they are using an old email XXXX to contact me I will never get it bc I no longer have access to that email. I have informed them of this - what feels like XXXX times. My current email is XXXX. 

Please, please, please, please, please tell them to fix this immediately as I have proven who I am countless times. 

This is my XXXX complaint on this. There are attachments in the other complaint.
Consumer complaint received 2020-01-27
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)

TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX  Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX Reported :XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}