davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery agreed to delete account number XXXX after I settled with them and paid {$500.00} to settle the debt. The debt is still on all XXXX of my credit reports ( XXXX and XXXX ) as a " paid '' collection. This is not what they agreed to do, they agreed to remove it completely if I paid the {$500.00}, which I did. That money was very hard to pay, I am a XXXX veteran and I scraped our last money together to give to them and they did n't do what they said they 'd do.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ID)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (MO)

I sold tickets and used paypal goods and services for payment. Weeks after the event, I received notification that the buyer disputed the transaction and I was informed I needed to provide proof that the buyer received the tickets. I sent the text conversation before, during and after the buyer received the tickets. I also included the email confirmation from the XXXX XXXX XXXX that the buyer received the tickets. A few weeks later I was told they favored with the buyer and because the dispute was opened through his credit card company and not paypal there was nothing they could do. They took {$1200.00} dollars from me, thus making my paypal account negative. I have reached out several times and just get the run around or basically told I am XXXX. Now I receive calls every hour asking how I'm going to resolve the issue. I have told them I am still trying to work with Paypal in which they ignore me. I have asked them to not call me, in which they ignore me. They have threatened that they are going to mark me as refusal to pay and that this will impact my credit and that they are going to close my account. I did nothing wrong to begin with, so to get calls every hour is ridiculous. They could not help me when I need something from them, but now they need something from me and are calling me every hour.
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MD)

This company has been acting as a debt collector, and did not disclose to me that they in fact are a debt collector when calling. They have repeatedly texted and called from different numbers and never disclosed that they were a debt collector when calling. They assumed it was conveient for them to call me before " XXXX ''. When it is in fact not convenient at all to receive calls or texts throughout the day. This is their official notice to cease and desist all communication with me, otherwise by the CFPB website, or by mail.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Portfolio Recovery Systems has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through XXXX. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. Portfolio Recovery Systems has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DC)

In XX/XX/XXXX I filed a Chapter XXXX XXXX Bankruptcy. I completed the plan and in XX/XX/XXXX it was discharged. Seven years have passed since I filed the Chapter XXXX XXXX Bankruptcy which is the statute of limitations for reporting a Chapter XXXX XXXX Bankruptcy as public record. I have repeatedly asked Equifax to remove this information from my credit report. They have reported to me and the CFPB repeatedly that they have, yet as the attached document shows they continue to report it.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # 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 a account without my written instructions.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2022-07-19
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. (PA)

________________________________________ XXXX EQUIFAX/ XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ...

THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Person called from XXXX and basically said I owed {$8000.00} from a Capital One Card ( that I never had ) dating back 5 years ago. 
Very persuasive and pushy.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I had to file chapter XXXX because of a accident. after four years of paying on it. I received a order deeming the mortgage current as of XX/XX/XXXX. I have made all payments from XXXX in full and on time. until XX/XX/XXXX when they advised I was 5 months behind on my payments. I have sent all the information to Ocwen XXXX times proving all of the payments were made by the trustee and myself.. they still advise I am behind and are threating to foreclose they returned my XXXX payment I have contacted a attorney they advise I file a complaint the you first.
Consumer complaint received 2020-07-09
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. (TX)

I called Equifax today I am a victim of identity theft and an account has listed me as an authorized user last updated XX/XX/XXXX 1 year ago and I told them I was never an authorized user on this account and please update and remove this account from my file. The representative stated I must file another police report to have it deleted or blocked from showing on my report. I explained to her that is not correct and the I had contacted the police department and they stated that I do no have to file another report with them. 

The account is a XXXX XXXX  XXXX XXXX  that has been closed by the account owner. 
I was never an authorized user. 

I provided Equifax the FTC affidavit and Police report in XXXX and XXXX. When speaking with the representatives they tell me that they see it and then I will get another representative that will say they only see the affidavit when both were sent in together. which on my report I also mentioned I was a victim of the Equifax breech as will.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (NY)

I Made a Purchase with XXXX {$370.00} and i never received the itemthe item that i Purchase It was on XXXX for a Galaxy Note 4 Used and the item was never shipped to me i did also made a claim with XXXX but XXXX has my refund in a pending Status Since XXXX XXXX 2015 and still have not return the funds back to my back account. i contacted American Express About this Problem and they stillstill have the investigation in a pending status and its been 2 weeks and the bank has not provide a resolution for this problem.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Someone tried to send me {$200.00} via XXXX and it did not go through. I called and inquired about why it didnt go through the next day and was told the activity was reported as fraudulent and the closed my accounts. I have a Personal checkings and savings and a business checking and savings. Also, I am on joint accounts with my wife. 

I have been with navy federal since XXXX or XXXX. And aquired the membership because my wife was serving in the XXXX  XXXX  XXXX XXXX at that time. 

I have been having issues with my accounts with XXXX XXXX because of the product XXXX that they offer. 

I am beyond disappointed with their inability to directly speak with XXXX and XXXX who processes and monitors their XXXX transactions to give me answers. And that they closed down my accounts for this. The last person I spoke with over at Navy Federal was a supervisor in the security department and he was rude and notated my account to not be able to do a Security appeal. This is causing not just an inconvenience in my life and my familys lives but also extreme XXXX.
Consumer complaint received 2020-07-09
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. (NJ)

i sent letters to the three major credit bureau from XX/XX/2020 till XX/XX/2020 letting them know the information on my account was incorrect or not mine and i haven't received any response or validation of these accounts
Consumer complaint received 2016-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (NY)

I paid a loan in full with DISCOVER STUDENT LOANS on XXXX/XXXX/XXXX ( Loan # XXXX ). It no longer appeared on my statements after this payment was made. A year later, on XXXX/XXXX/XXXX, I called to pay my last Discover Loan in full. I was told that the Loan I had paid off a year ago, # XXXX, was still active and accruing interest in their computer system, even though my statements for a year showed it to no longer exist. I asked to receive a payoff balance in the mail that showed and subtracted all the interest accrual that had not been provided to me in statements for the year, as well as an explanation for how the loan was still active without showing on my statements for a year when I paid it off. I was told that this was n't necessary and that the full amount would be canceled. This was the conclusion of my conversation with a customer service rep and a Manager on XXXX/XXXX/XXXX. However, I was not provided with the resolution promised. I next received a letter dated XXXX/XXXX/XXXX that " approved ( my ) deferment request for Loan # XXXX. '' I was outraged, as I made no such request legally and had been told that I would receive paperwork showing the loan to be closed and the balance forgiven due to extreme clerical error on the part of DISCOVER. On XXXX/XXXX/XXXX i called back. i talked to a customer service rep names XXXX who told me my request to fix this error required a " Special Team '' and that a letter would arrive by XXXX/XXXX/XXXX that would close the account and forgive the balance. This Letter also did not arrive. As of XXXX XXXX I have still not received any statements with options to pay off or understand my interest accruals on Loan # XXXX. I do not know what my balance should be given that I paid my balance on Loan # XXXX in full on XXXX/XXXX/XXXX and that this Loan no longer appeared on any statements after this date, while a balance was somehow accruing interest unknown to me. I refuse to pay a balance via telephone based on the fact that Discover Loans will no provide me with the breakdown of the unknown interest accrued since XXXX/XXXX/XXXX that i asked for, and has not delivered -- twice now -- on the erasure of this balance and closure of the account that I was told was going to be provided to solve the clerical error. I am also still in a forced deferment that I *did not request* for Loan # XXXX based on a letter that showed up at my house in XXXX. Thank you for your assistance in advocating this issue with DISCOVER STUDENT LOANS.
Consumer complaint received 2023-04-03
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. (MD)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was never notified of a mortgage transfer from my new loan owner. I was trying to make a payment to my original lender for my mortgage and it was never made clear to me who I should be paying. I also have yet to be contacted by my new lender, and I do not wish to supersede my grace period nor default on my loan. I have not missed a payment in 7 years and 4months.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to file a complaint against XXXX XXXX for reporting a debt to my credit report, even though I have paid the invoice in full. On XX/XX/XXXX, I received a notice from my credit report that your company has reported a delinquent debt on my account. However, I have already paid the invoice in full on XX/XX/XXXX. 

I have made several attempts to contact XXXX XXXX to rectify this error, but have not received any response. This is unacceptable and is damaging my credit score, despite having paid the debt in full and on time. 

I demand that XXXX XXXX immediately rectify this error by removing the delinquent debt from my credit report. Furthermore, I expect an apology for the damage this has caused to my credit score and the inconvenience this has caused me. 

If I do not receive a response from them or if the issue is not resolved within 30 days, I will take appropriate legal action. 

I would appreciate a prompt response to this complaint, including confirmation that the delinquent debt will be removed from my credit report.
Consumer complaint received 2015-05-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

My number is listed on the National Do Not Call Registry. However, I have received XXXX calls from XXXX since XXXX/XXXX/15. They call up to XXXX times a day between XXXX and XXXX This number has several complaints on XXXX. It is identified as a debt collector from Midland Credit Management. This company left a message on my answering machine for a debt pertaining to a person named XXXX. I do not know who that person is, nor how this company got my telephone number, since I have not done business with them or owe them anything. The calls are a nuisance/harrassing. Thank you in advance for your assistance.
Consumer complaint received 2018-12-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

My childrens father lost their job over the summer and I told the agent this information when going to do the loan. I told him that I just need enough to pay my electric bill and feed my kids. They insisted I take the whole loan of XXXX even I expressed concerns of being able to pay it in a timely fashion. So when it first went to collections I was suppose to set up a payment plan of XXXX every two weeks to get it paid. I never received a conformation email so they never took their money and when I contact the actual establishment they sent me on a run around. So I waited for the phone call that it was in collections. XXXX XXXX called. His number ( XXXX ) XXXX Ext XXXX. He was very abrasive and rude. I was trying to understand why it was XXXX and why they would need to garnish my check if Im willing to pay. He told me I was irresponsible and this was also a bill that needed to be paid and I was telling him that the only reason it wasnt was due to my boyfriend loosing his job. He interrupted that conversation and basically forced me into a payment plan that is unreasonable for a mom to pay on top of bills. I want to settle the debt but they are no giving me a fair chance to do so.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received a bill for items purchased on my Saks Fifth Avenue card in  XXXX  in   XXXX   XXXX   when I was in  XXXX , Vermont for an employment retreat. I called the number to dispute it and was told by a customer service agent that the company takes care of the rest.     I then started to receive collection calls. I called and disputed it again.     I still received collection calls so I disputed it by phone a third time.     In    XXXX   XXXX   , I was advised by email that I needed to make a police report in  XXXX  to dispute the charges. I advised them that I could n't file the report over the phone or online and because I live in CT and getting to  XXXX  takes about  2  hours so I could n't go immediately.  XXXX   XXXX  in  Saks ' Fraud  Department said I was lying and that police reports can be filed telephonically or online which is n't true.     I went on   XXXX   XXXX   XXXX   to the  XXXX  and tried to make a report and they told me they would n't take it because it had been too long since the incident. Then Saks decided that it was n't fraud, after they literally scanned and placed the signature from my fraud affidavit on the sales receipt. They are identical. Even if I had signed both they would n't be that identical. Besides, any evidence they had should have been handed over to me within 30 days of my first dispute.     I have since disputed the bill with  XXXX   XXXX , the  VP  and  Associate   General Counsel . I sent certified letters on   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   demanding proof that it was me who made these purchases at the  XXXX  store.     I have received no response. As stated in my letter, this is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-12-17
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OR)

was issued a check via mail, to deposit into account for a sale made through internet- the check cleared - on request have a XXXX made for amount of fee to be sent to XXXX party. - on doing so ( XXXX XXXX Me ), the purchasing party pulled/ declined payment on their check - taking from my account amount paid out on money gram.
Consumer complaint received 2016-07-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Funding LLC is fraudulently reporting a collection account to my credit report. I have never requested or obtained credit from XXXX XXXX XXXX, XXXX, or any factoring company. I am not liable for any debt to Midland Funding LLC, XXXX ( South Dakota ), XXXX XXXX, or any factoring company. I have NEVER received credit, nor do I have an account ending in XXXX from XXXX ( South Dakota ), XXXX, therefore I 'm not responsible for any debt. I have disputed this fraudulent claim with Midland Funding LLC directly as well as all Credit Bureaus and they still are reporting to my credit report.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

After already possessing a Capital One card, I applied a Capital One Platinum card. 
1. I went through an authentication process online by logging onto my Capital One Account, linking the new card with the existing. 
2. Authentication of identity regarding my social security number, date of birth, address, income, place of work, and other data was tendered. 
And yet, I was asked to " email my state identification or driver 's license '' to Capital One. From a racial equity, civil rights, and consumer protection perspective, the demand that XXXX  consumer, or any consumer, be made to transmit sensitive information via email when alternative means of identification authentication exists in my case is a violation is wrong and contrary to consumer law.