davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CA)

I am filing this identity theft report in response to the derogatory remarks that ELAN FINANCIAL SERVICE and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with ELAN FINANCIAL SERVICE. However, ELAN FINANCIAL SERVICE is reporting a fraudulent account to the credit reporting agencies with a balance of {$720.00}. Immediately after I noticed this account, I contacted ELAN FINANCIAL SERVICE. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that ELAN FINANCIAL SERVICE can remove the fraudulent and derogatory remarks they report on my credit report.
Consumer complaint received 2020-07-02
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: Ascendium Education Group (WA)

XXXX XXXXXXXX XXXX XXXX sold or sent the loan to Ascendium Ed Solutions. I was working with XXXX XXXXXXXX XXXX company to consolidate my loans. I spoke with one of Ascendium loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX XXXXXXXX and consolidated but the Ascendium still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I have a bad report on my credit from XXXX XXXX XXXX ( Florida ), which Capio Partners LLC took over. This medical XXXX was from XXXX years ago and which the hospital has still to this day never sent me a bill. I had full insurance at XXXX with a XXXX XXXX  deductible with XXXX that was never billed. This was not filed timely with the hospital and I am just now receiving my XXXX  bill after XXXX  years and it is already in collects for a bill I do not owe because I was fully Covered. When you speak with Capio they will not give you any information from orginal creditor they just want to collect the money and will not assist in trying to get them to rebill insurance, which they can not after this long of time frame.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX is attempting to collect a debt that is not mine, also they have negatively posted on my credit reports, I ask for validation from the credit bureau as well as midland and received nothing yet the post is still listed.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

To whom it may concern, I am contacting you because you have a bankruptcy reporting on my consumer report that is not accurate and has not been validated. 
According to the FCRA If the credit reporting agency can not validate with the ORIGINAL CREDITOR the information must be removed from my consumer file. 
you are saying that the US bankruptcy courts are the furnisher of this information but the bankruptcy courts do not report to any credit reporting agency and Lexis Nexis has provided me with documentation that they could not validate this public record information. You are also false and misleading by stating that the furnisher of this bankruptcy is the U.S. Courts Your company is not upholding your grave responsibility to report, fair and accurate information, because you have never validated or verified these public record entries on my consumer report, which is a violation of 15 USC 1681a ( e ). Your company is committing FRAUD. 
Because of these many violations and fraudulent activity. I have suffered greatly by not being able to extend credit, as well as not being able to sleep at night. Because you have failed to validate, verify, and uphold federal law, this bankruptcy needs to be permanently deleted from my consumer report immediately. 
Your company has 30 days by law to comply with what l am asking of you. Failure to comply is willful noncompliance and your company will be held civilly liable. 
Thank you for your attention in this matter,
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (CA)

I was robbed on XX/XX/2022. I contacted the company to inform them that my identity had been stolen and I was getting notifications from stores saying that charges had been made. I requested that the account be closed. Meanwhile I am being locked out of all of my email accounts, online bank accounts, passwords changed, my phone was hacked and taken off XXXX 's network and my XXXX swapped out. I have repeatedly asked Aspire to provide me with the history of the account from the time of opening, to the time it was closed. I want all login attempts, locations, IP address, phone records of payments, and transactions, all information on the unauthorized user added to the account, a summary of the investigation and a detailed statement justifying allowing this to happen after I called the company. I provided the documentation, but all they replied was there was no fraud. There absolutely was fraud if I am saying that it wasn't me. I have retained The XXXX XXXX firm preparing to sue this company if they do not provide this information so that I can repair the damage to my credit and identity.
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (AR)

The company named AFFIRM is reporting a past due account in the amount of {$1400.00} that I never opened. They have admitted the phone number and email in their file does not match my information. 
It has been over 6 weeks since my initial contact with AFFIRM and still today no action has been taken. They stated once again " we will look into it ''.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

I am writing to file a formal complaint regarding inaccurate reporting by TORRID Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XX/XX/XXXX, I noticed a remark on my TORRID Credit Card account stating that I was 30 days late in XXXX of XXXX, despite having a {$0.00} balance during that period. This discrepancy was alarming, especially considering that I had diligently attempted to set up auto-payments through TORRID 's online system, only to find that the system did not save the settings. Even when I called customer service, representatives were unable to rectify the issue, and the auto-pay settings could not be saved. 

The representative confirmed that I had no outstanding balance, yet TORRID continues to refuse to remove this remark, despite my impeccable payment history. 

Despite my persistent efforts, including weekly phone calls and messages, TORRID has not responded or taken any action to resolve this matter. This inaccurate reporting not only tarnishes my credit history but also undermines my financial credibility, despite my consistent and reliable payment record. 

The inability of TORRID Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that TORRID Credit Card promptly rectifies the inaccurate reporting. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (GA)

Last year my XXXX XXXX, XXXX XXXX XXXX XXXX, was purchased by XXXX XXXX XXXX. The transition was not very clean and after some issues with obtaining a new credit card due to the expiration of my existing credit card. I closed my checking, savings and credit card account in XXXX XXXX by visiting the local branch and requesting these accounts to be closed. This was after I waited a complete billing period to make sure all charges had cleared. In XXXX XXXX I received a letter from XXXX stating that I had a past due amount of {$15.00}. I called and inquired about the amount. At that time they said the account was closed with a {$0.00} account balance. They didn't know anything about the {$15.00}. I thought that was the end of it. 

Then around the XXXX of XXXX I received another letter stating that I owed {$39.00}. 
I called XXXX 's credit card processor XXXX XXXX XXXX and they verified that I did owe {$39.00} but could not tell me why since they recently took over processing for XXXX from the previous processor and they didn't have access to any previous statements. They stated they would order the statements which would take 7-10 days. I waited but no statements were delivered and as of this date I still haven't received any previous statements. During this conversation they also mentioned that my credit card with XXXX was still open I asked how that could be since I had closed all accounts in XXXX XXXX and they stated that the credit card account with XXXX was not closed. I requested that it be closed and a letter sent to me. 

A few weeks later I received another letter from XXXX with the past due amount of {$39.00} ( interest accrued ) and again I called to inquire. And again the same conversation was rehashed about XXXX unable to actually see the transaction from the previous processor. They again offered to order the statements and stated it would take around 4 weeks to get them. I asked if there was anyway I would be able to dispute the transactions from the previous processor and they didn't how that could happen. I requested XXXX to send me the statements from the previous processor. I don't have much hope of receiving them due to the past experiences. 

It seems that XXXX just received a balance due on accounts that were transferred and they really don't have much interest in resolving this issue since they have probably paid the outstanding balances to the past processor. They would incur the loss and not the previous processor. 

At that time it didn't appear that I could do anything if these were fraudulent charges so I paid the past due amount without ever knowing the actual origin of the charge. I felt like I was in a never ending losing battle. 

Once I closed my original credit card account in XXXX XXXX I did lose access to all statements since all of these documents were online and there would have been no way for me to know of any charges.
Consumer complaint received 2021-11-27
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. (OH)

TransUnion 's consumer reporting agency has furnished several unauthorized accounts, hard inquiries, and inaccurate personal information to my consumer report. However, not only do all of these items not belong on my consumer report but all of these items violate several Fair Credit Reporting Act laws as well.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

I have been a customer of TIAA XXXX  for several years. Every time I make a deposit they hold on to my money for a full week before releasing the funds for me to use. This has happened numerous times. My e-mail messages to TIAA XXXX  employees including to their Risk Analyst XXXX XXXX and to their CEO XXXX XXXX have been ignored. They have promised many times to look into this and call me back but have never kept that promise. They are now holding on to {$820.00} of my money since XX/XX/XXXX due to a charge request from XXXX and are ref suing to release it until XX/XX/XXXX even though XXXX has released their charge request because I had canceled my order. This is not only infuriating and irregular but possibly illegal.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (GA)

I had a call today from Midland credit MCM, I felt uncomfortable with the representative threatening me to pay off debt in same day, I was currently at work when she called, but she was adamant about me paying and threatening me if I dont I will have to pay court cost etc.
Consumer complaint received 2024-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

In XX/XX/XXXX I opened a CD with Marcus by Goldman Sachs. In XX/XX/XXXX I received an email inviting me to open another CD@ 5.40 %. On XX/XX/XXXX I mailed a check for {$7500.00} to Marcus. The check was negotiated by my bank on XX/XX/XXXX. On XX/XX/XXXX I checked my account and saw that no new CD had been opened, and the money did not appear in my existing account. I called Marcus and spoke with a representative who referred me to her supervisor. At first I was told to check the State of California website for unclaimed property. However the property is not unclaimed as the check has been cashed. The supervisor acknowledged this and told me the error would be resolved within 3 days. It has not been resolved. I have no idea where my {$7500.00} is and I want it back.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (SC)

I hope this letter finds you well. As Im sure you are well aware, XXXX XXXX creditor has forgiven XXXX XXXX of all obligation to pay this alleged debt. I, XXXX XXXX XXXX am relinquished of all obligation to pay this debt, which has been officially canceled by the IRS. I have received my copy b. I no longer am going to allow Nelnet to tarnish my creditworthiness. I am invoking my rights under 15 U.S.C 1681b ( a ) ( XXXX ). I, as the consumer, am giving my clear written instruction to have my Nelnet accounts updated to paid as agreed, never late. Any course of action outside of updating my account to paid as agreed will be willful noncompliance under 15 USC 1681n. I expect my instructions to be met within 30 days from receipt of this CFPB compliant. Any future attempts to collect this debt will be done in the absence of good faith. I appreciate your immediate attention to this matter and anticipate receiving confirmation of my account being updated as I have instructed. Failure to respond in writing to this request within 30 days of receiving this notice will result in immediate action of a complaint sent to the SEC, XXXX.
Consumer complaint received 2020-07-02
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: Bread Financial Holdings, Inc. (AZ)

On XX/XX/2020, I filed a fraud dispute on XXXX XXXX ( Comenity Bank ) Visa XXXX  XXXX   ending in XXXX. XXXX XXXX  supposedly concluded this investigation but I was given no information on this matter from XXXX XXXX  or vendor that I was disputing charges from. I had my credit card and cell phone hacked and informed XXXX XXXX  about this, as well as, another card from XXXX XXXX. 

XXXX  XXXX had no problem researching these fraudulent charges and making sure these charges were not billed to my credit card. It appears to me that XXXX XXXX Visa XXXX XXXX  never did their research and I do not want to pay these fraudulent charges to XXXX XXXX. These fraudulent charges were almost {$6000.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX Company I am disputing with is : Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CO)

I used the Venmo card for my side job. I had over {$100.00} in my account and attempted to w/d {$40.00} from my account which was declined. When I contacted Venmo, they wouldnt tell me why my card was declined or when it would work again. This caused me to get a fee and spend multiple hours trying to get to the bottom of why it didnt work.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit 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. (TX)

Ref : Best Buy Visa, account XXXX On XX/XX/XXXX, someone made a purchase to my account for {$210.00}, I did not make this purchase. 
The next two statements from Best Buy credit card went to an old address and did not catch up with me until late XXXX. I did not change the address on my Best Buy account on a timely matter because the account balance was supposed to be XXXX. 
On XX/XX/XXXX, after noticing the problem, I called and disputed the charge of {$21000.00}, the fees of {$69.00}, and interest of {$12.00}. I was lead to believe that all would be removed from the account. 
On XX/XX/XXXX, a credit was issued for {$210.00} and on XX/XX/XXXX for {$58.00}. Those statements clearly stated that I was not required to pay disputed amount, incl interest & fees until dispute was investigated and settled. However, it was never explained that I would have to pay the statement balance to stop future fees and interest. A practice not done by my other credit cards such as Citi Mastercard and XXXX XXXX. 
Records will show I called Best Buy Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to correct the issue. I was always lead to believe that the fees and interest would eventually be credited and to disregard the Best Buy statements. You can confirm this by listening to the voice recording. 
It was not until XX/XX/XXXX, that someone explained that I had to pay the total balance for fees and interest to stop. I paid the full amount on that date and submitted a new fraud dispute. 
Let me know if you need any further information. 

Regards, XXXX XXXX
Consumer complaint received 2020-07-02
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. (PA)

After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C & M Associates Group, Inc. (WI)

C & M Associates phone number ( XXXX ) XXXX located in XXXX XXXX, IL has called me and my parents, whom I no longer live with and whose phone number would not be the same as it was when I incurred the debt, they are supposedly trying to collect. I asked the gentleman who called me his name is XXXX XXXX for any information he had on the debt they were trying to collect as I have never done business with an XXXX XXXX XXXX XXXX before he gave dates in XXXX and told me money was deposited into my checking account and he even knew my former address and my former employer but that was all the information he had he then transferred me to his supervisor who was a woman and whose name I can't remember and she told me a totally different date than he did from XXXX and she told me I should go to my bank to get more information on this loan after giving me a deposit date. I called XXXX XXXX XXXX Money who has numerous complaints about the same type of thing happening to many many other people on the XXXX XXXX XXXX XXXX website and she said they get between 60-180 calls a day about this. She ran my name and social security number through her database and said I have never done business with them. She said I should reach out to the Federal Trade Commission to report this as it is a scam. So that is what I am doing.