davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (OH)

I recently requested that the XXXX XXXX XXXX XXXX XXXX provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character.

This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (OH)

I've brought this matter to CFPB and XXXX bank before. Today, looking at my report and continue to see the questioned payment discrepancy that occurred almost 5 years ago impacting my score. This is in addition to now having paid almost the entire balance off. I considered hiring a lawyer, but during my research came across the below consumer legal rights. 

In accordance to the Free Credit Reporting act. This creditor XXXX Bank has violated my rights under 15 USC 1681. Section 602 which states that I have the right to privacy.

15 USC 1681, Section 604 a, Section 2 ( II ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B, a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please address this accordingly, immediately and lawfully.
Consumer complaint received 2022-09-15
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. (FL)

This is a follow up complaint to cfpb # XXXX. Equifax is incompetent in handling my affairs. On XXXX XXXX a request for block and delete of information on my credit report was submitted to Equifax via the cfpb and by fax. Equifax has neglected my request. 

Equifax response was Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Current Address THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION PROVIDED. NON REPORTING DISPUTES Inquiry : XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX  XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XX/XX/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 

The FTC report and personal statement referenced ACCOUNTS on my consumer report not INQUIRES! Equifax you are not doing your job. You assumed this role of housing my consumer report. It is your duty to handle all request by the consumer correctly. 

You are reporting : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have 48 hours to block, block and make the reflections to my consumer report or you will be held liable in federal court for not properly handling my affairs. I will be seeking compensation for monetary damages!
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CT)

My student loan was sold, original lender is still reporting debt as owed, as well as the new lender. My balance is around XXXX but my credit report lists XXXX in personal loans which is affecting my ability to get a car loan.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CADENCE BANK (MS)

My husband and I was in the process of buying a home. Two dates were set for closing and we did not close due to paperwork being submitted on the supposedly closing day by the loan office XXXX XXXX at Bancorpsouth. In the process she did a hard inquiry on my credit.I asked and she XXXX XXXX it was a mistake.She advised me to make a payment on my credit so she can do a quick turn around on my score.my score went from a XXXX to XXXX. We never closed on the 2nd closing date. ( XX/XX/XXXX ) I never received a call, text, nor email that day. I called, text, and reached out to her manager XXXX XXXX and informed him on what was going on. He assured me he would call me back and I havent heard from him since. She emailed and said she will call but never did. I called her only to find out we still wasnt closing and she flipped the loan and I had to pay more for closing with down payment assistance. Our last day in our recent home XXXX of XXXX Now we are currently living in a hotel. I asked her when I finally spoke to her and she still couldnt give me a date to close. I backed out. Now Im currently looking for a home for my family.this has been emotionally draining. Today, the bank charged me a XXXX appraisal fee and we dont have a home because of her mistakes. Can someone please help us?
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2022 multiple charges were made at the retailer XXXX 's XXXX on my XXXX XXXX. The first transaction of {$1700.00} went through whereas the others were denied. I received a notification and immediately called to report the fraud. I am not a XXXX 's XXXX member and have never had an XXXX 's XXXX transactions on this credit card. I was told by the telephone representative that a pin number had also been set up and there were cash withdrawals. I told the telephone representative that both the XXXX 's XXXX charges and cash withdrawals were not made by me. I have never made a cash withdrawal from this credit card or any credit card that I have. Although I still had the credit card in my possession, a new card with the same credit card number had been sent out since the card in my possession had a XXXX expiration date. This new card is the one that was stolen. I was immediately issued a new card with new number and the fraudulent charges and cash withdrawals were removed from my account. On XX/XX/2022 I received a letter that was date XX/XX/2022 stating that since the card was in my possession, they consider the transaction of {$1700.00} to be valid and have placed it back on my account. Oddly, there is no postmark on the envelope. On XX/XX/XXXX, I called to dispute the findings and was told that a representative should be contacting me within 10 days. On XX/XX/XXXX, an autopayment was withdrawn from my bank account which included payment for the {$1700.00}. On XX/XX/XXXX, I made a follow up call and was told my dispute from XX/XX/XXXX had not been reviewed. The representative I spoke with on XX/XX/XXXX said that she would escalate this to a complaint and that I should hear back within 5 days.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

I received a letter in the mail saying that I owe a balance to LVNV Funding, LLC and that my original creditor was XXXX XXXX XXXX, NA. There are no details in the letter except that they are suing me for wage garnishment for {$1500.00}. I don't remember having this high of debt owed. I was paying for protection on my credit cards and back in XX/XX/2015 I lost my job and was financial unable to pay anything for almost a year. I would like to find out how to verify this debt.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, Equifax, XXXX is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank in XXXX XXXX XXXX.. I deposit a XXXX XXXX money order..on XX/XX/19 .. the bank cashed on XX/XX/19. The money order. Amout {$900.00} : XXXX this can be vertify by calling the XXXX XXXX money order department. @ XXXX XXXX the chase bank is showing a deposit ..but not putting the money active for spending .. transaction # XXXX remedy of relief. Is the money be available for spending ... ..its a medical reasons .. I would like to be notified
Consumer complaint received 2019-12-04
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: EQUIFAX, INC. (FL)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (WV)

An account with ACIMA CREDIT XXXX XXXX  was open on my credit report for {$4800.00} on XX/XX/XXXX. The status of this account was updated on XXXX XXXX. I have no knowledge or recognition of this account that is reporting on my credit report. So I did not pay this company. This account updated again on XX/XX/XXXX reporting that I know owe them a total of {$5000.00} on an account that is now past due and written off. Under the 604 fair credit reporting act this company is not allowed to report fraudulent or inaccurate information to harm the consumer credit report. The 604 fair credit reporting act also states that if an account is written off then the consumer is no longer responsible for this debt after 180 days of the account being written off. Remove this account immediately!
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF THE WEST (NV)

The automatic payments on XX/XX/22 did not get made. More than a week later a returned check fee and interest charges appeared online but was back dated to XX/XX/22. Called customer service who insisted either I or my bank changed something that caused the fault and therefor I am being charged Fee 's and interest. I pointed out that I have several cards and all payments are always made both before and after their claim that the payment was returned by my bank. I checked with my bank who said they have no record of any attempt by bank of the west to process the payment and yet bank of the west is charging a return check fee. After several hours and phone calls Bank of the west claimed it was a computer error and the fee 's and interest should not have been charged but the charges were never reversed, some even claimed the charges were already reversed. I asked for written confirmation that the charges were either disputed or reversed and received a letter dated XX/XX/XXXX that the fees were valid and past due. In more than twenty years no company I have automatic payments with has ever had a problem and now this is the second time Bank of the west has failed and claimed I am the problem.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  : Account number XXXX, has 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. My credit report is attached to reference this account
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

I had autopay set up with my XXXXXXXX XXXX account. Discover instead decided to debit my Discover Bank savings account {$600.00} on XX/XX/2022. My Discover Bank savings account was unused. I immediately transferred sufficient cash ( {$700.00} ) into the Discover Bank account to cover the overdraft ; Discover retried the debit after the transfer had posted, on XX/XX/2022. However, instead of using the {$700.00} that had been deposited into the account, Discover then returned the {$600.00} ACH debit on XX/XX/2022. At that point, Discover charged me a {$35.00} returned check fee. 

I attempted to get a refund of the {$35.00} returned check fee, but the customer service person stated that the fee was 'contractually required ' and would not be waived. I believe that Discover 's bad faith actions in returning the ACH transaction when sufficient funds were available warrants a reversal of the fee.
Consumer complaint received 2022-09-14
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. (TX)

I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit, Inc (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

I called FedLoan Servicing on XX/XX/22 to request a refund of payments I made on my student loans during the pandemic. I was told they no longer service my loans and to try calling XXXX. I tried calling XXXX and they had no information regarding my account. I then called StudentAid.gov and they told me my loan servicer is FedLoan. So I called FedLoan again on XX/XX/22 and again requested a refund. This time, they were able to process my refund and said it would take 4-8 weeks. I called again on XX/XX/22 and an automated message stated that my refund had been received. I called again on XX/XX/22 and the automated message stated that my account had been transferred to XXXX. I called XXXX and they said they had no records of me or my account. I then called FedLoan to ask if they had processed my refund and/or moved my account to XXXX and XXXX said my refund is still processing. I told them it had been 8 weeks and asked if there was an issue and they said no it is processing and they are just extremely busy with refund requests. Today is XX/XX/22 and I still have not received any refund or account updates from either FedLoan or XXXX.
Consumer complaint received 2017-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

Please see comments from my previous complaint which was closed. Case # XXXX Upon reviewing flagships documents that they attached with their response to this complaint, I found multiple errors. They made it look as if they corrected the issues ( not posting payments properly, holding payments making them late, applying my payment to another account, repossessing my car when I had made the payments every month leading up to the repossession but due to their terrible business practices they were not applying my payments which led to the repossession ) There are so many errors in everything that they have done it is hard to keep track. I am going to attach all of the documentation once again including their documents that they responded with. They have in fact failed to correct my account ( they made it appear as if they did however if you look into the documents they provided there are multiple mistakes ), after multiple failed attempts at contacting them I am now seeking further action against this company. I am hoping you will help me. I am going to attach comments from others about this company, as it is not just me that has this problem. This company is fraudulent, has no integrity, and should not be allowed to continue to do this. 

They have robbed me of my money, inflicted emotional distress, lost time and wages, and countless hours researching and digging into what they claim they fixed. I am asking you CFPB to protect not only myself, but many many others who are victims of fraud. I feel as though I have been robbed, mistreated, and so much more. Also, the company continues to drown my credit report with derogatory statements. I want the repossession and every single " missed '' " Late '' payment that the company stole from me to be corrected on my credit report. 

For the company : I am giving you one more chance to CORRECT this, and I mean fine tune every single line of my payment history as well as your horrible accounting practices before I seek an attorney. I will not continue to allow you to do this to me. 


Errors found in the documents they provided in the last complaint : XXXX/XXXX/XXXX payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Repossession fees and lump sum payment not applied correctly look at how many times they applied and reversed, it does n't add up. 
XXXX/XXXX/XXXX {$200.00} payment made, after this is when they " fixed '' everything and responded to the complaint ( and lied ) if I made a {$200.00} payment, and they supposedly applied a {$500.00} payment where is the extra money? Technically they only applied {$300.00} out of what they claimed to have fixed. On the website as of now, it is n't correct and still shows a payment due. The problem is, the " late '' payment was from XXXX when I have a statement from the company showing I had a zero balance and next payment due was XXXX XXXX, XXXX. Go through the dates nothing adds up.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (NV)

( AMERICOLLECT ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Dates : XXXX, XXXX