davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

I mailed out four dispute letters via certified mail and notarized to verify the collection debt on my credit report. The collections I'm referencing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received responses from XXXX  and XXXX  stating they verified the debt but I have not received any proof of this unverified debt. I have contacted the collection agency myself and asked for validation of the debt which I didn't receive. How is it that XXXX  and XXXX  have verified the debt but I contacted the collection agency directly and failed to obtain verifiable proof? According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX   didn't report this collection because it is unverifiable. 

I sent my first round of letters to XXXX  and XXXX  on XX/XX/2020. 
Second round on XX/XX/2020 Third round on XX/XX/2020 Fourth round on XX/XX/2020.
Consumer complaint received 2020-09-05
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. (GA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX**** XXXX
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

TD bank overdraft fees are excessive and arbitrary. The bank has charged me {$980.00} from XXXX to XXXX even tough they are very aware that we are in the middle of a pandemic and for many people income has been reduced. 
Additionally I never agreed to have overdraft protection with my ATM, I don't see why it should be any different with checks.
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (GA)

XXXX XXXX due XXXXXXXX XXXX was sent but no response XXXX XXXX due XXXX XXXX was sent no response XXXX XXXX due XXXXXXXX XXXX  was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

- I have bought a washer from best buy with their store credit card. 
- I didn't receive the credit card more than 10 days after. Called and been informed them and they were claim that they fixed it and will resend it again to the correct one. I setup auto payments during the call. 
- 2 months iam calling that no card is showing and every time they claim that yo verify my identity they have to send a letter to the same wrong address! My credit score goes XXXX point coz of a washer i have its whole amount! I asked them to report the issue to the credit bureau. They didnt. 
- i called and asked for a supervisor, he lies to me and say if you pay now and made the debt below 30 % you will get your previous score again. I did pay at once. He fixes the problem. I get my card but my score didnt get back to its original status.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (MA)

I opened an account from a pre-approved letter with BBVA Compass in early 2019. First, it took two months to get the card while they continued to bill me. Then, when trying to pay the bills, it gets really XXXX  up. I mail a check in and it's returned to sender " no known address. '' The will only accept a mobile phone number to make online payments, not a landline, which equates to requiring my cell phone number to do business with them - illegal. I've called in to make payments every month and each time it's a XXXX hold. I'm currently holding for minute 154. Yes, one-hundred-and-fifty-four!!! Been transferred three times to make a payment over the phone as they insist I have to pay online but won't accept my landline, only a cell phone. My cell phone is also pre-paid so it won't work with their system. What the XXXX  is this????
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-17
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. (LA)

I've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-05
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. (GA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX/XXXX/2017 I had {$1.00} cents in my account and on the XXXX, XXXX submitted a payment request to the bank. With out my consent the bank went along and received it, and since then until now they have been accepting this request from XXXX after i called XXXX and payed with my XXXX XXXX card and they took out the money, now the bank being they acceptedthe XXXX  request, XXXX XXXX has returned my monies so the bank continues to received the request for {$53.00} and continues to take out monies {$35.00} since that day until now and has left my account on a negative balance for {$100.00}. 
I called XXXX and they said they have not send the request in, because it shows paid on the account, i have spoken since the beginning with the bank and to no avail, i am not responsibllle for the banks server errors, and my proof shows that my account with XXXX has been paid by bank. Now why do they continue to charge me {$35.00} each and everytime until XXXX/XXXX/2017 and has left my account in the hole. I have taken my direct deposit out and place it some where else, and i try to close my account and they said i am negative, no I am not negative, i still have {$1.00} in my account if they did n't make this mistake ... I need help if you can ... it is Bank of America
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

To whom it concerns, In accordance to the Fair Credit Reporting Act, my right to fair consumer reporting is being violated. A chapter XXXX Bankruptcy is being reported on my XXXX and Experian credit report. All information is not accurate and should thus be removed. According to 15 U.S.C. 1681 its states that I have a right to privacy as well as a right to dispute inaccurate information on my credit report. I have tried to correct this with the bureaus who state they did an investigation and verified this account. However, the report from these two bureaus are still reporting inaccurate information and is causing damage to my credit score. 

I request that this erroneous information reported by XXXX and Experian be removed from my report immediately.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hello, On XX/XX/XXXX, I called Capital One about the annual fee of {$95.00} that had been charged to my account. It had just been charged on XX/XX/XXXX, and because I was not getting any value or usage from this card, I wanted to know my options for reversing this fee. I specifically mentioned that it was the fee that had already been charged that was my problem, not future annual fees. 

They recommended me the Capital One Venture XXXX card, which they said would have no fee. I accepted this, and received my card. Fast forward a few weeks, and I realize that the fee had never been reversed. 

XXXX XXXX XX/XX/XXXX XXXX, I called in to confirm when they were going to reverse my annual fee, and found out that they had no intention to. They said they would only not charge a fee going forward, but they were not going to revert the one that had just been charged. I spoke with a first-level representative and was transferred to the " highest level supervisor '' who said the same. I said that I felt this was extremely fraudulent and misleading, and was clear in my original request on XX/XX/XXXX. She said there was nothing she could do. I informed her that I had not used the card in months ( I checked, last time was a single charge in XX/XX/XXXX XXXX and that they had charged me and provided nothing. She essentially told me " too bad ''. I requested the supervisor 's name, XXXX, and her XXXX ID : XXXX. I also requested the agent Id of the representative I had spoken to when my card was changed, and she provided the agent ID : XXXX This feels extremely fraudulent to me and I am at a {$95.00} loss for absolutely nothing. I called in a very timely manner, as soon as I noticed the fee and clearly communicated what I wanted. I have not had such a misleading experience with any other bank or credit card company. I would appreciate the CFPB looking into this on my behalf. 

Thank you
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

Had been out of work due to the COVID and synchrony bank received two payments from an old bank account and they did not clear I was unaware that they had closed the account until one month later I called and I wrote them and I was told there is nothing I could do prior to that I was always on time and never late
Consumer complaint received 2021-02-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Delta Management Associates, Inc. (WI)

On XX/XX/XXXX, I received a call at my work, from XXXX XXXX saying she had to speak with me right away. I tried calling her back on XX/XX/XXXX and spoke with a XXXX XXXX who wanted my date of birth and social security number yet refused to disclose who he was and why he was contacting me. On their recorded line, I told him I am not to be called at work, I dont know why they are calling and It sounded like a scam so I ended the call. 
XX/XX/XXXX XXXX XXXX calls me at work again and leaves a message. After work, I call her back to have a bantering conversation with her and she told me the last 4 digits on my social security number, by saying the first and third number were the same, I said yes and she then identified herself as a debt collector for Ascension student loans for my non payment of over {$200000.00} in student loan debt. I told her this was a case from XXXX of identity theft and the first part of my SSN is NOT matching their records, the other persons birthday is in XXXX and the debt is not line and to never contact me again. She said she can contact me. I told her I dealt with this claim with the CFPB and she started getting nervous. She is with Delta Management Associates, Incorporated. XXXX XXXX
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MO)

Netspend has block my account and will not allow me to access my money because of a previous balance with another Netspend card I no longer have. Netspend will not give me any information Im writing stating why. I cant get my money out of the account nor access it.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

SOMEONE STOLE MY PHONE AND MY WALLET AND ACCESSED MY ONLINE BANKING INFORMATION AND FRAUDULENTLY TRANSFERRED AND WITHDREW MONEY USING MY ACCOUNT. MY ACCOUNT IS NOW IN THE NEGATIVE. I AM NOT LIABLE FOR THIS DEBT. I REQUEST THAT NAVY FEDERAL REMOVE THE NEGATIVE BALANCES FROM MY ACCOUNT AND PROVIDE ME WITH A NEW BANK ACCOUNT NUMBER SO I CAN CONTINUE USING MY BANK ACCOUNT.
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX  {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Consumer complaint received 2019-11-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

I, XXXX XXXX XXXX am the owner of SunTrust business account for State Department Corporate Divisions Account known by XXXX as my Corporation called, XXXX XXXX  XXXX XXXX. SunTrust compromised my account by closing it on XX/XX/2003. I was never notified. Today I found out that they are claiming that XXXX XXXX XXXX closed the account. He is INACTIVE XXXX to XXXX and can not conduct business for XXXX XXXX  XXXX XXXX. So how could he be a closer of my account. SunTrust said that record only go back 7 years, but we know that that is not true. My account number is XXXX and I need it reopened and its funds returned from its account and others like XXXX with brokerage services XXXX and XXXX. These are securities accounts acquired from XXXX XXXX  XXXX XXXX., my perpetual corporation that should have not closed.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MA)

My name is XXXX XXXX and i been a customer for over years now. Its says if i get a direct deposit of XXXX $ i would not have to pay a monthly fee. Ive been charged for years i never spoke up. Rite now it is over XXXX . I get a direct deposit over XXXX $ every month for over 3 years. I wiuld like all that money back into my account. The American Express company is stealing money from me for over 3 years for a charge that should be free. You have all my information, please correct what you are doing.
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank misleading and lying to me. I transferred {$1500.00} to my husband who is trying to pay to get a roof back on my home from hurricane Ian disaster in XXXX ( no roof!! ) using XXXX, sponsored by TD BANK. Transaction never went thru they lost my {$1500.00} and its in limbo somewhere ( probably making interest for the bank ) the bank rep told me to stop punt which I did on XXXX. TD bank rep said the {$1500.00} would be back in my account by XXXX XXXX on XXXX. TIDAY US XXXX SND MY MONEY IS STILL LOST BY TD BSNK. WHO STILE MY MONEY. I want it back. Do I go to police???
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XXXX, XXXX Portfolio Recovery Associates. Do to a data breach I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX Bank - XXXX dollars - XXXX. I have file a compliant with the Federal Trade Commission and IdentityTheft.gov relating to these two accounts. I have mailed both companies the documents F.T.C provided me with. The letters are attached. I have talked to XXXX XXXX credit card fraud department XX/XX/XXXX. XXXX XXXX stated that they will mail me a letter in concern with this fraudulent account and state that I am not liable for the account.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

all they want to do is give cfpb some quick answer so they can close the case. you see how they are reading only parts of the dispute and taking things out of context to fit their need. this whole thing is about them not updating my name to my current legal name. i dont see that that part was even addressed at all. cfpb you continue to let them get away with this nonsense it makes no sense. whoever is reviewing these complaints should not be working there they are obviously not doing their jobs. how can they say they checked with the furnisher of the information and they verified it or addressed as as correct. I am the furnisher of the information. So clearly we are not on the same page what is going on here that you keep allowing them to overlook information and not force them to update my information correctly. 

pls see attachement for the complaint/disupute information being request. you see how they continue to address one dispute but not even address the main thing i filed the complaint about. cfpb i am asking you to step in here and not just forward the complaint to them make them abide by the fcra laws. they are supposed to update my information i have and and asked repeatedly but you're not making them do it. what is going on here?
Consumer complaint received 2022-10-09
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (AZ)

Please see complaint XXXX dated XX/XX/XXXX. 
In response to the complaint referenced above, Experian did NOT resolve/correct the errors on my report. Once again they sent me an email on XX/XX/XXXX stating the dispute had been resolved ( attachment # 1 ). They also sent me a letter dated XX/XX/XXXX stating that the dispute had been resolved ( attachment # 2 ). In fact, the dispute had NOT been resolved. In the abbreviated reports included with the email and letter, Experian deleted information for XXXX rather than correcting it. They further deleted information for XXXX & XX/XX/XXXX from one of the accounts. This information was deleted without cause or reason and is an act of fraud on the part of Experian. Again, they willfully, deliberately and intentionally falsified information on my credit report. Further evidence of Experian 's failure to resolve the dispute is provided in the full credit report of XX/XX/XXXX ( attachment # 3 ) in which the erroneous information of my allegedly being late on 2 accounts remains. Further, an address with a street name that has never existed still appears falsely. And if this was not enough, the cover letter of XX/XX/XXXX gives erroneous reasons for my filing the disputes, specifically that I had asked for a name or social security number to be removed which is not true.
Consumer complaint received 2021-02-02
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. (CA)

My credit scores are way too low for my excellent credit history. It seems like the bureaus are getting kick backs from financial institutions to keep the consumer down to pay the very high interest rate loans.