davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Debt Mediation, Inc. (FL)

I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Professional Debt Mediation , Inc send an attach file of my ID and a paper from the original creditor stating ( notice of intent know to impose claim on security deposit ) which does not include any signature of mine in which you claim it does and it clearly doesnt. I would like to receive all paperwork from the original creditor that includes my signature. 

I would like to know who did they talk to. 
How did they complete this investigation.
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (NC)

Sent debt validation letter to company on XX/XX/XXXX and per certified mail tracking number XXXX letter was received by company on XX/XX/XXXX ; i have not received any information to validate this debt ; the original creditor was removed from my credit for false information and then sold to another company and increased the amount of the debt owed without contacting me
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

Jefferson Capital on behalf of XXXX XXXX has removed the same debt in mention below multiple times and then replaced the same debt owed by someone who is deceased back on my credit after Ive updated my personal information. This debt and those owed to XXXX unfortunately was obtained by the deceased, please remove accounts. There were 2 accounts for the same persons debt. This has had a negative affect on my credit report as i am prepping for home ownership. 


( Per prior removal- This complaint is a carry on of the other 2 complaints that i filed in XX/XX/2022 with cfpb about XXXX and XXXX XXXX in which the debt couldnt be found in either of their systems and verify the accuracy with original date of open on the contract with either Company, now Im receiving the same account just by JEFFERSON CAPITAL trying to collect the same debt as stated above. This debt isnt mine, it belonged to a deceased member. Also this account doesnt fit my current address or anything to verify as mine. Anytime i requested verification of debt actually belonging to me and not just opened in my name i never receive a proper response just about the debt matching my name and a random date to my current living address which has been for the past 3+ years and no Verizon information has ever been sent to me when the fraud happened, so incorrect date for the account opened because i didnt open such a account at my address. ) ( Prior response ) This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX XXXX debt that we acquired in her name, which is now associated with JCS Reference # XXXX. Based on the dispute, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Please allow sufficient time for updates to be reflected on XXXX XXXX 's credit report. Thank you for the opportunity to respond.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (MD)

I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as XXXX XXXX XXXX in the amount of {$620.00} and {$610.00}, Jefferson Capital System in the amount of {$2000.00}, and XXXX XXXX XXXX in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (MD)

I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as XXXX XXXX XXXX in the amount of {$620.00} and {$610.00}, XXXX XXXX XXXX in the amount of {$2000.00}, and Midland Credit Management in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.
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: AES/PHEAA (NJ)

On XX/XX/20 I initiated a dispute for the FedLoan accounts showing as past due and closed. I was not able to view the results online so I called and spoke with XXXX today XX/XX/20 XXXX advised me that the creditor does not have to show proof of delinquency they just have to advise them that they have validated the account. He has disputed them again. These accounts should not be showing on my credit report at all and definitely shouldn't be showing as late. FedLoan does not service my loans and has not for years. I think that creditors should be responsible for showing proof of the things that they report to the credit bureaus.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SOFI TECHNOLOGIES, INC. (CA)

My bank and credit card issuer, Sofi, recently lowered my credit limit this month, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The problem with this is they never issued any notification and have acknowledged verbally, this. I originally contacted them three times on XX/XX/XXXX, and finally when they never directed me to a supervisor, I called them back today, XX/XX/XXXX after they promised to call me back and did not. I informed the supervisor of what happened with the calls, and how my limit was lowered ( even with a high XXXX XXXX XXXX ) without proper notification due to the credit card act of XXXX and the supervisor, I believe his name was XXXX, immediately shut down the conversation and said he will not be having a legal conversation with me and if I need to I can send a summons to their legal department. It was really intense and extremely weird as I have been banking with them for 4 years and have never had a problem. The whole interaction was sketchy, and ultimately I want to know my recourse. They refused to re-increase the limit, and refused to do anything about the fact that they operated their reduction outside the confines of the law.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Captail one bank is in violation of their very own arbitration agreement I have with them.

I'm ready to go to arbitration with Capital One over a late payment they other inaccurate and incomplete reporting.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

My federal student loans as part of my higher education were XXXX in the lawsuit XXXX v XXXX in XXXX. It was found my school engaged in tactics designed to lure in unsuspecting students who would not otherwise qualify, and take out loans with exorbitantly high interest rates in their name for their education. As a result of multiple lawsuits the company running the school shuttered in XXXX. As mentioned previously, my federal student loans were forgiven in XXXX, and the Department of Education was ordered to repay any monies paid toward said loans. 

There seems to be no recourse for forgiveness and reimbursement of the private student loans, which seems extremely unfair, given that they were determined in a court of law to have been fraudulent.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had previously filled a compliant with the CFPB ( XXXX ) I spoke with a representative from CItizens and just received a response from them through you. Reviewing the response they sent- it was sent to the wrong address. ( I have never received a mailed response- viewed the response from CFPB website ) My concern with the response is it was mailed to an address that I haven't lived at for 5 years. It is addressed to a name that I haven't been associated with for over two years. So now my complaint and personal information including my credit score is being mailed somewhere I don't live. They also included two statements which show CItizens Bank has my correct name and address. This is beyond frustrating. So now my personal information has been breached.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (NC)

My son got a message today stating that I was getting served papers. I didn't know what it was about, and we listened to the message. The person said that they are with the XXXX XXXX XXXX for XXXX XXXX, NC, and they said that person with a birthday of XXXX was to be served in so many words. The person left a number and so I called it. The person that i spoke with was so rude and ugly about an account that I have no knowledge of. The message said that the Indigo card company has been trying to settle the balance and that they were on there way between XXXX and XXXX to serve papers to me, but I got no calls on my number, and I don't give out my son 's number at all, but they got in contact with him. She also said it was an account that was from XXXX, and i remember I also had a XXXX XXXXXXXX credit card, but this was after XXXX. She was too busy popping her tongue and being rude. The person on the voicemail was only doing there job and said the number that needed to be called, It was like a game to the women who I spoke to. to figure out what was going on. Apparently, I am being sued for something I have no knowledge of. I filed a police report as well since I had no knowledge of someone having my information and getting an Indigo card. They told me to call back if they arrive here at my home.
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MD)

Company has refused to comply with validation of debt requests. Experian states they dontr have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) demand sent XXXX and XXXX. These non-validated debts are still being reported errenously on my credit report.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (DC)

Ally bank closed my savings account for no reason at all. I did not request this. All of my savings are missing and I can not access them. Then when I contact the bank, after speaking with 2 agents, they claim that all they can tell me is that a letter is being sent to me and that I may receive a check in the mail. I am so livid and distraught. People keep their money in the bank for it to be safe! Where is my money??!! Why was this done?? 

I will begin looking for a new bank. This bank needs to be thoroughly investigated and shut down. There is a lot of fraudulent, unethical behavior going on with this bank.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I always pay on time following receipt of paper statement. XX/XX/2020 's statement not received ( Covid Issues perhaps incurred by CITI ). AS a result, and following collection calls beginning, payment made 5 days late. Late Fee Assessed by CITI - disputable. Fast Forward to XXXX, LC balance not paid ; CITI assessed a second late fee for the first unpaid late fee and claimed original late fee as " deferred interest purchase. '' Called today, they stated the missing statement is not justifiable for being late on a payment. Would only waive the second late fee, but not until I paid the first late fee, XXXX  out the account ( predatory and bad debt collection practices ). 

I work in the XXXX XXXX/XXXX XXXX. We are not allowed to assess a late fee when a borrower does not pay for outstanding fees. How does a credit card lending company an exception to this lending regulation? While an interest rate of 20 % can't be applied to a late fee due to regulation, it is illogical for a late fee of {$28.00} for unpaid late fee of {$28.00} to be permissible and not defined as predatory as that's a 100 % revenue, better than any interest calculated on the low balance.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPORTUN FINANCIAL CORPORATION (UT)

I signed up for an app called Oportun- formerly XXXX, in early XXXX. It is a highly rated and formerly reputable app. But they were bought ( thus they are now Oportun ) and apparently aren't doing what they should. It is a budgeting app, giving you a bank account and debit account and then you can pay your bills and auto-budget. However, they took my money, then told me they were closing my account with no recourse. This was after I put {$2000.00} in it and they sent me a debit card ( from 'XXXX  ' but provided through XXXX ). 
Since they told me, I emailed them asking them to return the money. They told me the only way was to dispute it. My bank will not dispute it, because I initiated the transfer. As such, they are not returning my money. They have no phone number, take a week to reply to emails, and only say to dispute the transaction. Their partner companies ( a loan company ) answers the phone but will not transfer the phone call or move the phone call up to their owner. Everything about this feels like they have no intent to return my money.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have attached a copy of my report and the last letter i wrote to the 3 bureaus for these 2 student loans from XXXX to show that Transunion, XXXX, and XXXX did not conduct a full and proper investigation. They are inaccurately reporting late payments and I have requested that they investigate these issues and update them to never late. These falsely reported late payments are XXXX my credit score and are a violation. How can they have conducted a full and fair investigation if there are multiple violations in the reporting? They are paper whipping and just sending back a letter saying that its verified as accurate ... .It is our right as consumers to contact the cfpb when these CRO 's are violating our rights ... .this is the account # that they are reporting on both accounts XXXX this is a metro 2 violation as they are reporting a letter in the account #. All 3 bureaus are reporting different dates of last activity, All 3 bureaus are reporting different dates of last payment, Look at the payment history they are reporting Differently on the 30,60,90 days late ... .I was never late on these accounts ... ..How are the credit bureaus claiming that they actually investigated these accounts and that they are verified and reporting 100 % accurately and reporting all of these violations? they did not conduct a full and proper investigation is the answer.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

I attempted to use XXXX through my bank and it advised me my account was to restricted and to call. After calling the agent was able to give me very generic information regarding the reason for the restriction, and advised me to go to a branch for more information. But due to Covid19 all branches in my area only has drive thru access. 
I was never notified of this said restriction and don't know what caused it, I would like a clear answer as to why my account has this restriction on it.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. 

or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix