davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc. (NC)

I am formally filing a complaint against Conn Credit Corp/Conn Appliances Inc for deceptive credit reporting practices as well as violating FCRA and Fair Debt Collections Practices Act. Furthermore, they are also in violation of North Carolina General Statute Code 58-70-01 which prohibits a debt collector or credit bureau from engaging in debt collection practices without obtaining a surety bond, and filing said bond with the North Carolina Secretary of State office. 

On XX/XX/2022 I sent a dispute letter to Conn Credit Corp, where I disputed a derogatory tradeline being reported under my social security number for a {$2600.00} charge-off. 

On XX/XX/2022 the dispute letter was returned as undeliverable. Not only are they reporting a fraudulent address, but they are also showing the account 's worst delinquency is a bad debt/collection account on my XXXX, this is in blatant violation of the North Carolina Debt Collection act specifically NC General Statute Code 58-70-01. 

They are also reporting separate company names, and conflicting addresses under my social security number. 

To add insult to injury, they are showing the account as charge-off with no closed date as well as reporting a balance of {$2600.00}. 

They are in violation of numerous FCRA and FDCPA, including North Carolina local state debt collection laws.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (NJ)

I kept getting phone calls from Client Services Inc twice a day once in the morning and once in the evening. When I answered the call no one picked up and I hung up. This went on for months. 

Company address is : Client Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX Spoke with : XXXX XXXX, XXXX XXXX and XXXX XXXX. 

All completely useless and offered no information other than " they are sorry. ''
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IL)

Elan Financial, servicing the XXXX XXXX XXXX XXXX ( GLCU ) account I have, " converted '' my card XX/XX/2022 with a differently numbered card. It now ends in XXXX. They have been calling me every day in XXXX trying to collect a minimum payment of {$25.00} on this account. I have never received a statement for this new card! I made a total balance payment on the old numbered account ( ending in XXXX ) on XX/XX/2022, but they claimed they never received it. I sent them a copy of the front and back of the check, as they requested, showing that it cleared XXXX on XX/XX/2022. They continue to try to collect. They have not acknowledged the " lost '' check, nor have they sent me a statement since the " conversion '' took place. I have talked to XXXX people at Elan Financial about this, the last a " XXXX '' on XX/XX/XXXX, yesterday. They all say they understand. But I don't. I would like them to A : send me a statement for card XXXX showing all payments made to XXXX. B : stop calling me, and C : don't dare touch my credit rating in the XXXX 's.
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (NY)

The company is no longer open i had a loan through ACS back in 2017 and my loan has been picked up by a different company. ACS is still showing active on my credit report, I want it removed. There is no way I can get in contact with them. How can this be taking care of? If there is no way to get in contact with them..
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (FL)

I do not know if the debt actually exists, but if it does exist, it is not mine. 

I moved out of an apartment 18 months ago. I had given a move-out notice months in advance, but the month we lived out, my roommate decided to stay. The property XXXX had the roommate sign a release, releasing husband and I from the lease agreement. The release took effect on the last day of the lease ( XX/XX/XXXX ). 

The apartment complex continued to contact me about the apartment, and I asked them to stop contacting me, as I do not have a lease with them. I eventually had to go in and write a statement becuase they lost my entire file except for the original lease and any documents relating to the roommate after we moved out. They agreed and stopped emailing me except for a couple emails when the roommate moved out. But nothing regarding a debt. 

My old roommate moved out about XXXX months ago. And I just received a call form a debt collector ( XX/XX/XXXX ) saying they the property XXXX imposed a claim against me for a total of {$310.00} for cleaning, damages, service fees, and water. They could not provide me with any documentation, and proof of damages or debt, or the dates the debt accrued. I also was not informed within 30 days of terminating my occupancy, as required by Florida State law. 

I told the collector the I hadnt lived in that apartment for 18 months and that the imposed claim was not mentioned until they called me. I then called the property XXXX. The XXXX of the office told me that they misplaced documents again and that if she cant find my file and the release then I am still responsible. I told her that I had given a move out notice, was signed off the lease, and wrote a statement for them when they lost the file the first time. 

After telling me that she would hold me responsible if she cant find the file, the XXXX said she would call me back later that day. Its been a week and she refuses to take my calls and tells her secretary not to let me speak to her. 

I called the debt collector back and they told me if I dont pay it, they will have to report it and it will hurt my credit. 

Ive exhausted all avenues. The property XXXX and the collections agency both refuse to provide me with any documentation or rational for the imposed claim and refuse to acknowledge that I moved out 18 months ago.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (HI)

My XXXX was called by Calvary Portfolio Services and was told I have a {$600.00} debt with XXXX. I do not have any debt with XXXX and there is nothing on my credit report that indicates I own them any money.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Walwick, Inc (WA)

I called the XXXX credit card company immediately when I found out that a credit card was issued in my name. I told them it was identity theft/ fraud which they told me they wrote down and would take care of it since it wasn't me. They said they would get rid of the card and I would not be liable cause it was fraud/identity theft. I did this about 2 months ago. They told me not to worry and that the credit card with {$5100.00} would go away cause it is fraud. I was shocked to see that they sent it to collections and on my credit reports as I had already taken care of the situation with them. They told me they reported it as fraud and I was to no longer worry about it.
Consumer complaint received 2022-03-25
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-11-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX, And portfolio resolution haven't provided me the documents that i asked them to provide to me, I've read that there is a total of 15 days for them to provide me the information, And it's been more than 15 days.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I walked into a branch of Wells Fargo and attempted to withdraw cash from my checking account. I provided more than one government issued ID, scanned my debit card, confirmed my PIN, confirmed my social security number, phone number, email address, resigned the withdrawal slip, reconfirmed all of the same information with the management and they still would not give me my money. They had to call corporate and I waited for more than one hour to get my money.
Consumer complaint received 2022-04-25
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS. 

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-03-25
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. (MO)

In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 
XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX US Dep Of Edu - XXXX Us Dept of Education - XXXX 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 2022-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: VEROS CREDIT, LLC. (TX)

When I first brought the car I called the salesman back too say it was a mistake because interest was too high and wanted too bring car back he told me after u drive it off the lot u cant bring it back and now that the law says I had 3 days too bring it back and I didnt know and now on the truthful leading act 15 usc 1662 B I cant get my down payment back or I dont have too put a down payment down and I Think that was a violation and wasnt given the right information
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I am currently in the XXXX XXXX XXXX XXXX ( PSLF ) program and have payments that I made while in school that I am being told will not count as qualifying payments toward forgiveness because the lender had automatically ( without my knowledge or consent ) placed me on an in-school deferment because I went back to school. However, while in school I was still making payments on my old loans from when I first went to school, so these payments should have counted. 

Please change the XXXX program to count payments that were made during in school deferment or forbearance periods. It is unfair that 3 years of payments I have made won't be counted and this needs to be fixed as I am not the only one this is happening to.
Consumer complaint received 2022-07-29
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. (MI)

I have requested via certified mail and green return receipt, a reinvestigation of this inaccuracy of an account being reported. Ive requested that all documentary evidence used to validate this account be provided to me. 
Pursuant to 15 USC 1681e Equifax and XXXX failed to comply with federal law. 
Instead of updating this account accurately to paid in full, both CRAs have stated that the creditor has verified the reporting status of this account. I am the original creditor the only person who can validate any allegation.
Consumer complaint received 2022-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IA)

XX/XX/2020 m- Fraudulent lending or issuance of credit and then retracting the credit or closing the account completely without checking in with me as to what the exact situation was that I am currently facing. When i called cITI Bank they gave me only one option and that is to apply for a new card. 
They had closed another credit card of mine almost exactly a year ago as well without any discussion around any issues that may be faced with personally, any option as to keep the account open or get it back in a good standing position where they do not close the card. 
Last XXXX i had an ATV accident, where i had a XXXX XXXX XXXX XXXX that required XXXX to repair and no work or any physical anything ( 6 months can't lift or use the XXXX  where there is over 1 pound of weight involved, and prior had a 3 month stint of having my XXXX  completely immobilized and prevented from moving/using ). 
As XXXX XXXX XXXX XXXX that is an XXXX  XXXX, when i am not able to work - I can't make any money. Therefore there was a period of time where i was getting behind on some things as i waited and jumped through the necessary hoops for my XXXX insurance to kick in or payout. 
But as a XXXX XXXX XXXX to have recieved credit card offers after credit card offers from Citi Bank - where I was completely accepted for a credit line of {$1500.00} - {$2000.00} + between the two credit cards with Citi Bank alone. Of course when i was working and things were going well. But the second i get hurt and can not work or income lessons they close my accounts completely, thus causing my debt to credit available go completely down and further looking worse for me when trying to obtain other financing or credit for both the business itself and me & my family personally.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS COMPLAINT SUNMITTEF BY XXXX XXXX PERSONALLY IVE BEEN EXPERIENCING A GLASS CEILING WITH MY CREDIT SCORE FOR YEARS SINCE MY XXXX  XXXX. I HAVE RE-ESTABLISHED NEW CREDIT IN ADDITION TO MANY GOOD ( PAID ) OLDER ACCOUNTS THREW HARD WORK & LONG HOURS. HERE ARE PRIME EXAMPLES WHY : XXXX. XXXX ( XXXX ) BAL IS XXXX WITH A XXXX AVAILABLE CREDIT XXXX. XXXX ( XXXX ) IS OPEN NOT CLOSED. HAS NEVER BEEN CLOSED! IT HAS A XXXX CREDIT LIMIT WITH XXXX XXXX XXXX. XXXX ( XXXX ) HAD XXXX AVAILABLE CREDIT ALSO WITH XXXX BAL. XXXX SHOWING SAME ACCOUNT XXXX. XXXX XXXX & XXXX CLOSED. ACCOUNT IS OPEN. IT TOO WAS NEVER CLOSED ALIKE AFFIRM! 

IN CONCLUSION : IT APPEARS MY SCORING FACTORS SUCH AS CREDIT USAGE, DEBT TO INCOME RATION & AVAILABLE CREDIT IS BEING DERAILED BY MY ACCOUNTS, BALANCES & PAYMENT HISTORY KEEP ARBITRARY COMING UP CLOSED WHEN I PAY THEM DOWN!
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2022 Bank Of America Credit Card account opened, not by me I did not apply for nor ask for an account I called them and they closed the account Said the account was being monitored from XXXX, PA I do not live there. 

I contacted the 3 Credit bureaus and locked my credit.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2022 I made a purchase through PayPal for some items from a fraudulent Site. XXXX for a total of {$47.00} from ( XXXX ) a scam site I called PayPal on XX/XX/2022 contacted PayPal to inform them about the fraudulent transaction, and was told they would investigate the transaction on XX/XX/2022 I received a message from PayPal informing me that the investigation was completed and I would Not be receiving a refund. I filed a claim appeal to request the documents they Obtained in their investigation, and did not receive them. 
I later found some Articles of information on the Internet that PayPal is complicit With the company XXXX in not refunding Consumers refunds I contacted PayPal XX/XX/2022 and was told the investigation had Not taken place And they were still investigating. My refund was denied XXXX is a company that changes the name week to week selling Various items and services and in fact PayPal was working with the company and not returning refunds
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (AR)

I had a account with Crypto.COM and my account was hacked, all the cryptocurrencies were converted to Bitcoin then transferred to someone else 's account. I have been getting the runaround since the day it ocuured Monday XX/XX/2021. I have sent a number of emails and have received very little information back from Crypto.com. My responses have been " we will get back to you in a day or so ''. I have yet to here from them with an answer of what they intend to do.
Consumer complaint received 2020-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On the date listed below, I submitted the following statement in the form of a letter listed below and XXXX failed to Verify-in 30 days the inaccurate information on my credit report. My life has Ben Ruined for  years because of this incorrect information cant get a job or receive funding for a business start-up. NO VERIFIABLE PROOF WAS SHOWN XX/XX/2020 Equifax Consumer Dispute Center According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

Also Please remove all accounts that are not METRO 2 COMPLIANCE
Consumer complaint received 2022-04-25
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS. 

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS