davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MI)

I provided proof that CREDENCE RM company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. XXXX and XXXX chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2024-03-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC. (CA)

I was approved for a loan for {$30000.00} and SoFi sent funds to my bank but the bank sent funds back because they said there was a misspelled name so they couldnt accept. I notified SoFi immediately and provided a different account for them to send the funds to and they said this wouldnt be a problem and when I tried to access my account today it was locked and I called customer service who couldnt tell me anything so now I am stuck with potentially an outstanding loan that I dont have access too.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid 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: CITIBANK, N.A. (KS)

Citi double cash credit card refuses to resolve 2 dispute charges and wont acknowlege my response to a merchant who allegedly fixed my car yet it was so dangerous to drive that I had to purchase another vehicle Citi credit card wont resolve my dispute and is giving the merchant the amount that was charged I refuse to pay the merchant and Citi can pay the merchant for their gross incompetence and negligence
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (RI)

I paid off Care Credit/Synchrony Bank in late XXXX early XXXX, I can't find the proof and my bank is assisting me with this. I am buying a house and when the credit was ran in XXXX this was not on the report. They ran again and now it is on the report even though I paid it off. I need a letter stating that there is a XXXX balance so I can buy a house so I paid it again on XX/XX/XXXX. It came out off my bank on XX/XX/XXXX, Synchrony will not issue a letter for 21 days even though there is a XXXX balance, I should not have to wait for 21 days when the money is already out of my bank.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I called AES and submitted disputes with all Three bureaus. AES updated late payment reporting on my XXXX but has refused to update my XXXX or XXXX. I have been getting the run around without a response.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NJ)

Continental XXXX  deducted my payment of {$620.00} twice from my bank account on XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Continental XXXX  to find out what occurred regarding my account. I spoke to XXXX. He did see their error and advised me that I needed to have a three way call with him and XXXX  XXXX XXXX so he could verify that these two payments were deducted from my bank account. The XXXX  XXXX XXXX representative gave him all the information he required over the phone. He stated that my account will be in order by XX/XX/XXXX. 
On XX/XX/XXXX, the account was still not updated. I contacted my bank institution, XXXX  XXXX XXXX to dispute the 2nd payment deducted from my account. 
Claim ID : XXXX. On XX/XX/XXXX, XXXX  XXXX XXXX advised that the dispute was resolved. 
On XX/XX/XXXX, I tried to use my credit card and it was declined. On XX/XX/XXXX, I contacted Continental XXXX, spoke to Customer Service Manager, XXXX who advised me that she updated account to ensure my entire available credit of {$750.00} would be available by XX/XX/XXXX. 
On XX/XX/XXXX, I checked my credit card account online and this issue still was not resolved by Continental XXXX. Called spoke to Customer Service Rep, XXXX who spoke to the Customer Service Manager, XXXX who also advised that she updated my account and that my account would be updated in 30 minutes from that call. Later that day, I checked my account once again, and still the account was not correct. I called back at XXXX XXXX EST and was transferred to Customer Service Manager, XXXX who advised that I needed to fax copies of my bank statement showing the two deductions. She gave me fax number XXXX and XXXX. I did fax the statement to both numbers as she instructed. It did successfully transmit to the first fax number ending XXXX. 
On XX/XX/XXXX, I once again tried to use my credit card and it was declined again. 
On XX/XX/XXXX, I called again and was unable to speak to a representative. I re-faxed my bank statement which also transmitted successfully. 
At this point, I do not know what else I can do to have this company correct this situation for me. I need for Consumer Financial Protection Bureau to intervene on my behalf to assist with correcting this problem. 
Thank you in advance for your prompt attention in this matter.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

Good Afternoon, I am e-mailing regarding my XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX - there are XXXX fraudulent charges on my account between XXXX XXXX XXXX and XX/XX/2020. The fraudulent charges are as follows : XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX , NY XXXX XXXX XXXX ) XXXX - Sale : {$230.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX - Sale : {$250.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX XXXX XXXX ) XXXX XXXX - Sale : {$540.00} XX/XX/XXXX : XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX - Sale : {$860.00} Total : {$2400.00} I firstly want to mention how disappointed I am with the lack of attention and effort I have received thus far from Chase support. I have repeatedly called with no solution in-sight and can not fathom why this I am being pushed to such lengths for what seems to be very obvious fraudulent activity. 

I live in XXXXXXXX XXXX XXXX, far away from any of these towns mentioned. Not only am I distant from these stores, but also, I live in a city where there are XXXX XXXX XXXX in my immediate area. If you see the details of these transactions, you'll notice the proximity of these stores and notice that they were made in quick succession. Furthermore, my wife XXXX XXXX has a XXXX XXXX credit card that we use whenever making those type of store purchases. The other clear outlier is the XXXX in rXXXX where there was another XXXX purchase, the evidence could not be clearer that I did not make these purchases. 

To be clear, I will not be paying the totaling balance of {$2400.00} and I need this matter resolved ASAP. This is causing me severe stress and has been taking a toll on me since XXXX, when I originally brought this to the bank 's attention. I will be following up with this e-mail daily, plus I will be continuously calling until this is all fixed. I am appalled on the lack of customer service, especially coming from an established bank and company of which I've been a customer of for years.
Consumer complaint received 2020-11-20
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: CBC Companies, Inc. (IN)

I have filed in a dispute in regards to the incorrect items on my credit report. It has been well over 45 days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60 days now that I have filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.
Consumer complaint received 2019-11-13
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. (GA)

XXXX, XXXX, EQUIFAX AND XXXX  CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH XXXX
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2022, when working on my laptop computer, the unit froze p and displayed a screen that a Trojan horse had been detect by my XXXX XXXX  and to call them at telephone # XXXX XXXX. I called the number and it was answered by an agent " XXXX '' who proceeded to investigate the problem by taking full remote control of my computer from his stie and started to look at everything I had there. My computer screen was blank but I could see my curser moving on the screen. He started to ask some suspicious questions but was able to provide answers that seemed associated and pertinent to the problem. This continued for about 2 hours at which time I was told to leave the computer on for the next 12 hours to see if anything would occur.

After we hung up the call, I called Wells Fargo at XXXX to report a possible fraud. I spoke to an agent " XXXX '' and told him the situation and to stop immediately stop any requests for withdrawals made that day. He opened a fraud complaint ( case # XXXX ) and froze my checking account against any withdrawals and opened a new checking account. 
Wells Fargo replied on XXXX XXXX that the new account had been debited for the following amounts that had moved over from the cancelled account : XXXX XXXX {$990.00} by XXXX XXXX to other customer. 
XXXX XXXX {$500.00} by XXXX XXXX to other customer. 
XXXX XXXX {$1000.00} by XXXX XXXX to other customer. 
In a follow up with Wells Fargo I was told that the case could not be reopened and that I was not defrauded but scammed and although not said but reading between the lines there was nothing more they could do. " XXXX '' XXXX ' The bottom line this money was stolen from me and had Wells Fargo had processed my request to withhold any debits to my old account as the said they would this would have been stopped. 



.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX  reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-18
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. (FL)

XXXX  is using a stall and computer generated response to contuine to violate my rights. I included my SSN and ID in the last CFPB complaint. but they are saying they dont recognize who I am yet they can report negative items on my account ... .. 


these agencies are in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

These agencies is also in violation of 15 U.S.C. 1692g. You were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do NOT validate this debt.
Consumer complaint received 2020-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

My loans were consolidated in XX/XX/XXXX under " Income Contingent Repayment '' with XXXX XXXX XXXX which has since dissolved. I paid my ~ {$540.00} dollar payments on time, religiously, during the time in which they serviced my loans, but Fed Loans for some reason has all of those payments listed as under " Extended Graduated Repayment '' and isn't counting them towards PSLF forgiveness which puts me behind by at least 14 months. The extended repayment plan had payments of {$2000.00} per month and I very obviously was not on that payment plan. I've attached the confirmation of my consolidation and application for ICR as well as the payment grid for each plan. If you look at my monthly payment history, it's very obvious at $ XXXX a month, I was NOT on the Extended Graduated Repayment Plan. 

Additionally, they still have yet to count payment for XXXX due to " no bill '' despite the fact that FedLoan themselves have electronic billing statements for those months, which I have enclosed. They are also not counting XXXX payments due to no bill, but I was billed and paid those months. This was when XXXX XXXX XXXX sold my loans to XXXX XXXX, I was not in forbearance nor did I voluntarily switch companies. 

I have contacted Fed Loans multiple times, attached the documents with proof, including their own electronic bills, and have had no resolution.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (TX)

Pursuant to 15usc1666b timing of payment states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. 
None of this was honored when I tried to dispute late payments for XXXX, XXXX XXXX, and Grain Technology. 
I disputed it several times and they keep saying it's verified. I asked how did they verify it, but they just sent a bill layout. If it's not to be reported then it should be removed ASAP Also according to 15usc1681b no permissible purpose to place on the report. Breaking the privacy law as well. 
pursuant to 15usc1681a2a ( i ) it is excluded from a consumer report .... Transactions and experiences between the consumer and the person creating the report. 
All of these violations are due remedy for damaging my report of {$1000.00} each violation.
Consumer complaint received 2021-11-08
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. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXXBalance {$0.00} XXXX  XXXXBalance {$430.00} XXXX XXXX XXXXBalance {$720.00}
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I don't recall having a contractual relationship with PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-11-08
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)

Company is reporting a collection account from 2006 - this account should not be reflecting on my credit report since it has been well over the amount of time allowed to be on my report. I sent a letter to the creditor requesting information and to the bureaus and have not received a response.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IQOR US INC (GA)

Allied Interstate reported a delinquent account from original creditor XXXX XXXX as a debt owed of {$360.00} on XX/XX/XXXX. Account was not on credit report at time settlement payment was made on the same day by myself. Spoke with XXXX XXXX ( identified as supervisor ) to request they remove from credit report. He refused to remove and stated they will update information as paid. I had already paid the settlement amount within timeframe given on letter received by the company which gave me up until XX/XX/XXXX to pay. Company never informed me they will be reporting this again after it was initially previously removed in XXXX. I informed this supervisor that not only did they report false information because account was paid but also they were in violation because according the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report. He continued to refuse. I also informed him I will be retaining a lawyer if the company continues to refuse to remove false information. 
XXXX XXXX
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Furnish name- XXXX  XXXX, Account # XXXX has violated my right. 

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. its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (AZ)

On XX/XX/2021 ELAN FINANCIAL SERVICE and agent for ELAN FINANCIAL SERVICE XXXX XXXX stated they received my written correspondence. I sent ELAN FINANCIAL SERVICE the following documents : an Affidavit of Truth, Cease and Desist, Invoice, and Exhibits showing the violations. I was notified via certified mail return receipt that Elan Financial Services had received the documents detailing the dispute. ELAN FINANCIAL SERVICE acknowledges they received my cease and desist and responded by closing my account. ELAN FINANCIAL SERVICE also stated they would continue to report information to the consumer reporting agencies which is a violation of the cease and desist pursuant to 15 U.S. Code 1692c ( c ) by indirectly communicating with me through the reporting of disputed information to the consumer reporting agencies. The erroneous information that is being reported has been defamating my reputation and character because ELAN FINANCIAL SERVICE has been reporting the account as " late payment ''. I have been unable to obtain credit. ELAN FINANCIAL SERVICE did not provide validation pursuant to 15 U.S. Code 1692g. I do not agree with ELAN FINANCIAL SERVICE decision to continue reporting the account to my consumer reports.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This company is trying to collect a debt. I do not owe this company. I have never contracted with them and I do not agree to this debt. 

They are reporting misleading information on my consumer profile which I did not give them permission to access my consumer profile.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (FL)

I filed a complaint about this company on XX/XX/XXXX for reporting negative information that is older than 7 years on a background check. Now I have had to do a second background check for the same role, and they returned the exact same information. I will be taking legal action. 

I filed a complaint after the first background check which read : " First Advantage conducted a background check for a job offer I received. They returned a misdemeanor charge from XX/XX/XXXX, which is well past the 7-year cut-off. Even if judging by the disposition date of XX/XX/XXXX, the incident was still more than 7 years ago. ''