davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Duncan Solutions, lnc. (CA)

I bought a car from a friend back in XXXX and before the title was transferred to me, there was a bridge toll incurred on the car. After they contacted my friend for payment, I helped them resolve it and called the toll office. I paid the amount that I owed, and now in XXXX they sent my friend a letter saying that it was never paid and it has been sent to a collection agency. They are threatening to take the so-called owed amount out of my friends tax return. When I spoke with the bridge toll office back in XXXX they told me it was fully resolved, so we shouldnt have to deal with this. 
The collection agency that sent the letter is called Professional Account Management , LLC and is based in XXXX, WI. The letter was addressed to my friend XXXX XXXX in XXXX, CA. I have tried the agencys phone but cant get a representative on the line to help me resolve this.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

THIS COMPLAINT IS SUBMITTED BY MYSELF XXXX XXXX WITH NO ASSISTANCE. 

XXXX XXXX ( XXXX ) This account is open! It has never been closed! The balance is 0 The payment history since XX/XX/2022 till present ( XXXX ) is not reported It should be reported open. Payment history from XXXX to XXXX is on-time good
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (CA)

I have been paying Plaza Services, LLC for many months now without knowing they are a collections agency. I was told via phone converstion that they were collecting the payment to be given to the original creditor, a company called " XXXX XXXX ''. I agreed to the monthly payments because they told me that they would not put this on my credit report since I would be paying the original creditor. This was a lie! I looked at my credit report and it shows a collections company called Plaza Services, LLC. I didn't know who they were since I didn't suspect I had anything in collections. I ended up recognizing the monthly payments I've been making. This is how I found out it was a collections company. I never received any offical correspondence informing me of who they were and what my balance was. It was all done via threatening phone calls. I agreed to pay to not have any negative remarks on my credit report on the phone. That was the pressure they used to get me to agree to give them my account information to take out monthly payments. They are still taking these payments out every months and on the credit report it shows a balance owed that is more that what was owed to the original creditor. They are ripping me off!
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

On XX/XX/XXXX, I requested Mohela refund for all my payments made after XX/XX/XXXX. I have also asked a reinstatement of all loan balances paid off after XX/XX/XXXX. At the time of my loan payments in XXXX, XXXX XXXX ( XXXX ) was my servicer. XXXX then acquired my loans in XXXX. 

In XX/XX/XXXX, my loans were transferred to Mohela, my current service provider. I have called Mohela more than five times since XX/XX/XXXX to ask for a refund of loan payments made after XX/XX/XXXX. Each conversation receives different information and responses regarding when I will receive the payments. Also, it's been almost a month and my loans have not been reinstated and still do not appear on my Mohela balance ( see attachment ).
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have requested that my freeze be removed permanently. My name is XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX My XXXX XXXX. My SS XXXX. 
Please remove any and all XXXX freezes at once.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (DC)

Every single year, Axos Bank is unable to obtain renewal information on my Homeowners Insurance policy and harasses me to provide the information directly to them. I have paid my homeowners policy and mortgage every single month on time. I have named Axos as the mortgagee on the insurance policy, following their instructions. Even after receiving threatening letters from Axos, I have provided the policy itself. Today, I received a letter that Axos was unable to update my insurance and " You must pay us. '' I do not understand how Axos is unable to properly service my loan by obtaining this information directly from Travelers. I have given all parties the requisite information. I request Axos cease mailing me threatening letters and that they review their internal policies and procedures for 1 ) communicating with customers and 2 ) tracking insurance policies on their loans.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (PA)

I set up an account with Gemini over a month ago. Around XX/XX/XXXX. I have been waiting to get verified with them for over a month now and until i get verified I cant withdraw my money thats on my account with them. Ive emailed them numerous times and i get no response. My money is locked onto there platform until Im verified and they have given me 0 responses. Feels like Im getting ripped off.
Consumer complaint received 2021-03-31
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-11-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Names : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Name : XXXX XXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX SXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (FL)

On XX/XX/XXXX, I opened up an online savings account with Discover with initial deposit of {$15000.00}. On XX/XX/XXXX, while on vacation, I received a voice-message from Discover asking me to call them back for account verification. When I called back, the Discover Account Security Rep., XXXX XXXX, XXXX, asked me if I made two wire transfers in the amounts of {$5100.00} and {$9200.00}. I immediately replied NO, I have not made any transactions from or to my account since the opening date. She stated that she's going to reverse those wire transfers and would credit my account for the transfers amount and wire fees since I did not made those transactions. She also assured me that per the Discover {$0.00} Liability Fraud Policy, attached, I am not responsible for unauthorized debit card, online, or mobile banking transactions. She later called that day informing me that she was able to reverse one of the wire transfers, {$5100.00}, but the second transfer the receiving bank has not responded yet. She also recommended for extra security to open a new saving account to transfer the remaining balance and create a verbal password when call in, until the other transfer is cleared. I then requested to talk to a supervisor, XXXX ID # XXXX, for crediting my account for the second unauthorized transfer and he too stated, Discover {$0.00} Liability Fraud Policy that I am not responsible for unauthorized debit card, online, or mobile banking transactions, however, crediting my account may take up to 7 to 10 business days. 

Last Friday, on XX/XX/XXXX, I called XXXX but he was not available, so I spoke with another supervisor XXXX,, who she said she would call me back before the EOB day Friday to give me an update. When she called back, she then put me in touch with Discover Investigation group representative, XXXX, XXXX, whom told me a different story than the rest of Discover staff. He stated that he's going to investigate and request the receiving bank to return the funds but there is no guarantees to get my money back!!!! He also requested me to sign an affidavit, which he's going to mail to me for signature, when I asked him why can't he email or fax me the blank form to save some time, he stated that's Discover policy, I am now waiting for the form to come in the mail. Here is the Discover Website https : //www.discover.comXXXX THANK YOU!
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc (NC)

Debt collector sends initial FDCPA notices via email, but does monitor or respond to emails sent by consumers. Debt collector sent initial notice via email in XXXX, XXXX. A dispute was sent in response via email on the same day. Debt collector continued to make collection calls without verifying or validating the debt ( which is in fact a claim for damages by a former landlord, not a valid debt supported by contract or legal judgment ) until a demand letter from an attorney was sent in XX/XX/XXXX.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 Original Creditor : XXXX XXXX XXXX XXXXXXXX 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 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting XXXX XXXX account # XXXX act has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: VYSTAR CREDIT UNION (NM)

About XXXX weeks ago, I asked Vystar Credit Union to cancel a secured credit card I had with them. They cancelled it as requested. Vystar is holding a {$2000.00} security deposit as collateral for this secured card. I have repeatedly asked Vystar to deduct any remaining balance which is far less than {$2000.00} from this deposit, and to refund the balance to my Vystar checking account. I have called them repeatedly. I have sent them written requests via fax and mail. I have received no response whatsoever from Vystar, and they continue to hold my deposit without explanation or just cause.
Consumer complaint received 2018-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MD)

On XX/XX/XXXX I called Discover Student loans to investigate a payment assistance plan. I end the phone call with my payment being reduced to by 50 % reducing my payments from XXXX to XXXX. On XX/XX/XXXX, I went to purchase gas and my card was declined. I used the app on my phone and found that in addition to taking the XXXX from my account Discover Student Loans also took XXXX from my account for a total amount of XXXX being taken from my account. I explicitly asked them woman on the original call to remove the original auto payment amount from my account and she confirmed it would be removed. This was not the case. 
Ive been going back and for with Discover Student Loans going on eight months receiving first apologizes and promises that a refund would be issued and the loan repayment assistance plan retro actively added to my account, then receiving promises via the electrotonic messaging inter face that my case was being looked over by numerous supervisors. Now and I all I get from them is phone calls and emails saying that my account is seriously in default. I have never stopped making monthly payments of {$230.00} what I was told over the phone my reduced payments would be. Im worried my credit score will take forever to recover for something that numerous people have admitted to me over the phone is definitely not my fault. Please help.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NV)

someone continues to do identity theft under my name and variations of such and they keep sending prepaid cards ones they have already made an online account for and ones where you don't need the physical card to get illegal money deposited onto it. they do this and then transfer the funds I am also getting checks from places I've never had bank accts at and t is ruined my credit score by XXXX  points this is XXXX make the prepaid card theft stop it. its a huge problem cause to close the account you have to activate the card
Consumer complaint received 2022-10-05
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The company by the name of Portfolio Recovery Associates have been calling my home 7 times per day every day even on Sundays even after I have asked them to stop I advised that I dont have any business relationship with them and if there is any communication to be had then they should mail it. This harassment continues as of the date of this complaint. Early morning late nights and even on XXXX
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WI)

I have a Fidelity Rewards Visa Signature credit card from XXXX, and I have used it very often because every dollar I spent equals 2 Reward Points. Given this, I would think that I should have a lot of Reward Points now. However, last month, I checked, and I have no more than XXXX points. In my memory, I should have twice that amount, so I checked all of my statements. I found out that in the XX/XX/XXXX - XX/XX/XXXX statement I had XXXX total points available, but in the following statement ( XX/XX/XXXX - XX/XX/XXXX ), I had only XXXX total points available, including the 3,371 points from the monthly earnings. Thus, my points decreased by 450,000 over that month. I called the Fidelity Rewards Visa Signature credit card company at least twice, but they told me that they don't have the records for that time period. 
I didn't receive any email or mail to tell me that my points decreased by 450,000 points, and I'm very sure I didn't redeem the points. Could you tell me where my Reward Points are?
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (AL)

The response I received from XXXX is not doing what I asked. XXXX asking all 3 credit reporting agencies to mark my account as Current and Paid Off isnt the same as Never Late I want the company to notify the credit bureaus to remove the 120 and 180 days late off my report. Just saying account is current is not the same. I want all reporting of late payments and any and all negative activity removed off all 4 credit reporting agencies from this company. I have never been late especially one report shows 120 another report shows 180 days late. I want all the late payments completely removed off all 3 credit reporting agencies as Ive never been late. I want all negative activity removed off all 3 of my credit reports XXXX, XXXX, XXXX from XXXX. Saying current is not acceptable. I want it completely removed
Consumer complaint received 2021-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TX)

Acima is refusing to follow consumer laws as reported in my last complaints. They are saying the laws don't comply to them because they are not creditors or give out any credit but their company name has the word credit in it. It's on the emails and web page " Acima Credit '' which is misleading if they say that they are not a credit company. Can someone please explain this?
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

Update to the following complaint. In short, Suntrust did not return all of our money. they still have {$15.00} of our money ( joint account with my daughter XXXX ). She deserves all of her money from fiasco Suntrust created with their EFT from XXXX XXXX. Because of EFTs between XXXX XXXX and Suntrust ( XXXX 's account ) Suntrust took our money and access to our accounts for 21 days. Eventually they gave our money back, except {$15.00} of XXXX 's account. Please return it to her/me. 

I have 4 accounts at Suntrust 1. my checking account 2. my savings account 3. a joint account with my daughter XXXX 4. a joint account with my son XXXX. 
Late last month on about XXXX, XXXX 's account got a deposit of XXXX dollars. XXXX knew nothing about where it came from so I called Suntrust. I let them know this doesn't look right. Concerned about it, I asked the Suntrust rep to transfer her balance of XXXX dollars to my savings account. That is the last access we have had to all of our accounts. On the following Monday all of my accounts are closed. Suntrust will not give me my money. They put the accounts in hold/closed status and refused to give me my money.