davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: V and H Portfolio (SC)

XX/XX/2017 XXXX XXXX Call Length 9 Minutes 1 Second This was a verbal communication. Not a written communication. Spoke with XXXX XXXX at XXXX XXXX XXXX regarding my XXXX Account. She never told me she was a debt collector and she never stated the " mini miranda '' during the call. I never heard her say " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I dont even think she advised me that the call would be monitored and recorded for quality and training purposes ... Which I later found out through a manager that their calls are recorded. 

While speaking with her I attempted to resolve by mailing in a payment and she refused to provide a physical address for her company where I can mail my payment. She advised me the only way to resolve at this point was a card ; which I do n't believe to be true. She never provided an address. 

When I tried to call back to find out if they were an attorney office or a collection agency the person I spoke with told me that they have attorney 's there but she doesnt know if they called me. I feel like they violated my rights as a consumer as well as the FDCPA ; considering they were misleading ; unfair and deceptive in what she did and did not say to me during the course of the call. 

I do n't mind someone collecting a debt from me ; but I would hope that they would do it lawfully.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Greetings. 

On XX/XX/2020, I received a total amount of {$4300.00} via XXXX in my checking account XXXX divided in two transactions : XXXX for {$2200.00} and the XXXX for {$2100.00}. These transactions were payments for virtual currency exchange made on XXXX trading market ( transaction XXXX and XXXX ). Immediately after I deliver the currency, an overdrew amount of {$880.00} appeared in my account, making impossible to use it. After a several calls to your fraud department ( claims XXXX and XXXX ), the only information provided is that my account was under investigation because the issuers of the XXXX transfers called to claim fraud for these transactions. 
On XX/XX/2020 the fraud department of Bank Of America rules in favor of the issuers, even when I prove with the ID of those persons, and localbitcoins conversation logs and transactions receipts, that those persons, in fact made the transfers. 
The direct result of your actions made me in the true scammed person with a total loss of XXXX and {$4300.00}. 
They didnt notice estrange that those transactions were claimed instantly just after I released the currency in trade. They didnt even comply with XXXX Terms and Conditions ( Liability paragraphs ) which actually resume that all transactions are final, and every account owner is responsible for their data security. With this behavior youre just giving scammers the opportunity to get the goods and the money, making XXXX an untrusted service. 
In a recent phone conversation, they promised to send me the report of their investigations and what actually received was two pages saying the funds for the transactions were reversed because of a fraud claim. Which leads me to believe that actually there were no investigation at all.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (TN)

I have previously disputed this account. This is a new dispute with new information. This account is now too old to be reported on my credit report. This account has been " re-aged '' and is violating FCRA bylines by continuing to be reported. 

Account : XXXX XXXX Balance : {$640.00}
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

It must discrimination if you get turned down by a credit card company by having a credit score of XXXX, with no missed payments, and very creditworthy. I used to be a member of XXXX, a company affiliated with Capital One, and twice I have received a preconfirmation of approval for a credit card. After receiving these approvals, see attachment, I get denied for having too many opened credit cards or inquiries. 

Therefore, I would like the federal government to investigate the company, on how many minorities have been turned down in the past year, maybe two years. So, we could have some enlighting on how they are discriminatory to minorities.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WI)

I filed a Chapter XXXX and included a debt that is now with a collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to remove the account or update as included in my Chapter XXXX Debt. I provided Experian with the Chapter XXXX Information but they refuse to remove or correct the information on my credit file. My trustee confirmed that the original creditor, XXXX XXXX, has received ( 2 ) payments. XXXX XXXX received {$26.00} XX/XX/XXXX and {$23.00} on XX/XX/XXXX. These amounts are not be reflected on my credit report. Experian is allowing XXXX XXXX XXXX to report a past due balance, missing payments, and late payments.
Consumer complaint received 2020-09-01
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: FC HoldCo LLC (TX)

This complaint is related directly to Flagship Company who I am in a current contractual agreement with regarding my vehicle. On XX/XX/2020, I called in and spoke with XXXX who is a manager in  collections provided a verbal authorization for a 1 month deferment for my XX/XX/2020 payment ( which would be 14 days past due at the time ). Upon calling to make my XX/XX/2020 payment on XX/XX/2020 I was advised that I was still due for the XXXX payment. I informed that although the verbal authorization was notated on the account, the required paperwork was not sent out to me to complete the deferment. I would have no indication of that just being a borrower not an employee and in regards to speaking with a manager I would have thought that all the necessary requirements were completed. Due to Flagships negligence, I received a 30 day marker for my XXXX payment in which I have never been late on the account since I've obtained the loan. I feel that because this is an error on Flagships part in regards to NOT sending the required paperwork, I should not be penalized because the ball was dropped on their end. This 30 day late marker has impacted my credit report tremendously. I hope that you will take the time to review my request and find it have this corrected expeditiously.
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc. (VA)

Eastern Account XXXX has obtained this debt from XXXX XXXX XXXX and the number that I was provided is no in service ( XXXX ) nor is the website on the letter available for a " live chat '' as indicated on the letter. When I contacted the original merchant, XXXX  they have the same outdated contact information that I already attempted to resolve the account with.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I tried to dispute an address from my report due to this not even being a existing location here in XXXX, La, they keep reporting it as updated. There s no road here named that, it is a complete misspelling which makes it inaccurate.
Consumer complaint received 2020-09-03
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. (CA)

TransUnion and XXXX are fraudulents on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquires from following accounts are frauds 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
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 XXXX XXXX XXXX companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. XXXX XXXX XXXX is not reporting the accurate amount. And I do not have any accounts with XXXX XXXX XXXX. they are n't even verifying that the information is accurate as they claim to do.
Consumer complaint received 2021-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I received the letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX regarding my current Creditor CACH , LLC in the amount of $ XXXX never have creditor CACH LLC, and the balance was a charge off on XX/XX/XXXX.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (FL)

I have tried to dispute an old account that is reporting on my Equifax credit file but Equifax has not responded. I tried to even attempt disputing on their website which doesn't let me in, then I tired to contact them and no one picks up. I have sent them a dispute in the mail and it's been well over 90 days. It's impossible to get any type of communication with them to get this resolved.
Consumer complaint received 2021-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SELECT PORFOLIO SERVICING INC VIOLATION OF PRESIDENT XXXX XXXX MORATORIUM OF FORECLOSURE AND EVICTION. 

CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX  XXXX XXXX Washington, DC XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX  XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX Mortgage MIN # XXXX This complaint is to report SELECT PORTFOLIO SERVICING INC ( SPS ) violation of XXXX XXXX existing order of FORECLOSURE AND EVICTION MORATORIUM by resetting Foreclosure Sale on XX/XX/XXXX. 

On XX/XX/XXXX, the XXXX XXXX announced that it coordinated with three federal agenciesthe Department of Housing and Urban Development ( HUD ), the Department of Veterans Affairs ( VA XXXX, and the Department of Agriculture ( USDA XXXX to extend their existing foreclosure moratoriums through at least XX/XX/XXXX. 
The action of Foreclosure Sale seeking to foreclose and evict a Cerebral Palsy boy and his family, who has been severely impacted by the Pandemic of Covid-19. 

According to the Notice of Foreclosure sale published by SPSs disgraced attorneys XXXX XXXX XXXX and XXXX XXXX, the foreclosure it is set to be held on XX/XX/XXXX at XXXX. See attachment 1- NOTICE OF FORECLOSURE SALE dated XX/XX/XXXX. 

Under a misleading order called ORDER ON PLAINTIFF MOTION TO CANCEL FORECLOSURE CASE to evade XXXX Foreclosure and Eviction Moratorium Executive order. 

THIS CAUSE having come before the Court upon Plaintiffs Motion to Reschedule Foreclosure Sale, filed XX/XX/XXXX XXXX the Motion ), and this Court having reviewed the Motion and the file, and being otherwise advised in the premises, it is hereby : ORDERED AND ADJUDGED that : 1. Plaintiffs Motion to Reschedule Foreclosure Sale is hereby GRANTED. 
2. The foreclosure sale is hereby rescheduled for XX/XX/XXXX. See attachment 2 On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the XXXX  XXXX. 

Since XXXX, my property has been the victim of XXXX  ( XXXX  ) WRONGFUL FORECLOSURE. The undersigned have been asking SPS to open a profound review to the above account and order its legal team to stop/dismiss legal proceedings of Foreclosure case # XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to my family, with a nonsense litigation. This malicious litigation, WRONGFUL FORECLOSURE has brought a dark cloud over SPS and its reputation. See attachment 3 I am requesting that SPS comply with Executive order of President Joe Biden on foreclosure and Eviction Moratorium or filing a voluntary dismissal of the Wrongful Foreclosure case # XXXX and release my property XXXX XXXX XXXX XXXX XXXX FL XXXX from those those malicious claims. My family is currently passing from a difficult time through this pandemic of XXXX and the lost of a loved one. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Paypal closed my account without a reason and can not help me to get it back to running. Since they can not help me to reinstate my account, I turned to use different paypal method. As for the paypal balance that I have, they says, that will be available after it has been limited for 180days. However, On XX/XX/2021, I noticed that paypal has taken the the money from my account, the amount is XXXXusd. I can not believe that paypal did such thing on me. I have been waiting for the money for a few months, because PayPal says I can withdraw the balance from my account after 180days when they close my account. 

I heard that CFPB can solve this problem, that's why I'd like to report this to you and hope you can solve the problem as soon as possible. my email linked to this paypal is XXXX.
Consumer complaint received 2020-12-01
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: U.S. BANCORP (NJ)

On XX/XX/XXXX I put in a dispute with XXXX after discovering that my credit score was negatively affected by an account with Elan Financial, an account I was not aware of nor have had any activity on and was opened by my ex-husband back in XXXX. My name is fraudulently on this account. We were in the process of divorcing at the time and had been separated a year and a half, not living together when this account began, unknown to me. After many phone calls to Elan financial I was never able to speak with anybody who would help me but continually kept getting transferred to another extension over and over again until the phone clicked off. The dispute results with XXXX verified that my name is on this joint account but I did not receive any help on how to get my name off and clear my credit. I did another dispute with XXXX on XX/XX/XXXX and finally had a fraud expert advise me to write to you as well as sending certified letters to XXXX and XXXX which I an in the process of doing. This came to my attention only recently due to the noncompliance of my ex -husband who either defaulted on this account or is late with payments. I am not sure which but I had no knowledge or activity on this account. Part of the account number is XXXX My case number with XXXX is XXXX
Consumer complaint received 2020-11-30
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)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (LA)

XX/XX/XXXX, I ordered a washer and returned it to recieve another one. The other washer was returned but instread of giving me credit for that washer, HD applied it to my account that was riding on an " interest free '' that was not due til XXXX or XXXX. Of course it took several hours for the credit card carrier to figure this out. I requested an extention on my other accounts that were expiring to " start over '' and its was approved. I just learned that an amount of {$270.00} interest has been applied and that the accounts linked are not available online for me to see or dispute.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

I completed a Zelle transaction for {$300.00} to XXXX on XX/XX/2020 for the purchase of a transmission. Per the link sent via text message, the business name is XXXX XXXX XXXX, XXXX XXXX XXXX, the phone number they are texting and calling from is XXXX. 
Said they did NOT receive my payment, XXXX verified twice that they did receive my payment. Rep I'd been communicating with name XXXX and XXXX XXXX demanded a send an additional {$300.00} in order for them to give me a refund. Refused to send transmission and refused to refund my money. I have filed 3 disputes with my bank and they keep saying the money was received by XXXX XXXX XXXX. XX/XX/XXXX disputes manager says this is a scam but they can not help me.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a dispute to transunion on XX/XX/XXXX disputing an XXXX XXXX ( Docket # XXXX ) which was being reported on my credit report. Once I submitted this dispute via mail I also sent on on XX/XX/XXXX via FAX. I did n't get any feedback from Transunion so on XX/XX/XXXX I filed a complaint with the CFPB in regards to the matter. Once said CFPB complaint was filed I sent them a copy of the CFPB complaint and original dispute letter via fax and U.S. Mail. On XX/XX/XXXX they sent a response via the CFPB that the Bankruptcy and XXXX XXXX in the amount of {$50000.00} were both removed and no longer reporting on my credit report and that in 5 to 7 business days I would have an official letter from Transunion stating such. I decided to contact Transunion to confirm said response as on XX/XX/XXXX I applied for a loan only to find out both were still being reported. So I contacted Transunion on XX/XX/XXXX and was on the phone for well over 40 minutes only to find out that the items were not being even investigated. I then faxed a copy of the dispute to them. On the call they stated I have not sent in a specific letter which is untrue.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (MD)

I contacted OneMain Financial Corporate office on XXXX XX/XX/XXXX regarding an incorrect reporting of a payment on my account ( XXXX  days late XX/XX/XXXX ). I sent a letter at the request of the Customer Service Representative on XXXX XX/XX/XXXX as well. I received a letter back stating that they have determined that my account history is being reported correctly. I have never been late and I need more information or I can file in court.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent out several disputes to the credit bureaus and have yet to receive any correspondence or results. I do understand that with the pandemic there would be a delay in results but I didn't expect to receive none? Regardless of Covid they are lawfully still obliged to respond to my disputes. I have inaccurate items reporting on my credit that need to be fixed.
Consumer complaint received 2017-12-14
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: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXNavy FCU- XX/XX/XXXXNavy FCU- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.