davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Capital Enterprises, Inc. (CA)

Dispute Timeline I noticed on my credit report a collections account from American Capital ENT claiming I owe {$1800.00}. This debt is not mine and they will not respond to my request to remove this fraudulent item from my credit report.

File Name : Dispute Letter 1 XXXX XX/XX/XXXX 1st Dispute letter mailed on XX/XX/2020, with no response. 

File Name : USPS Certified Mail Receipt Receipt for 1st Dispute Letter being sent.

File Name : USPS Tracking Date Letter Received XX/XX/XXXX 1st Letter received by American Capital on XX/XX/2020. 

File Name : Credit Report American Capital XXXX XX/XX/XXXX I downloaded my credit report dated XX/XX/2020, with no mention in the comment section account being disputed by the consumer. 

File Name : Credit Report American Capital XXXX XX/XX/XXXX I downloaded my credit report 46 days later from the date the letter was received by American Capital, with no mention in the comment section that this account is being disputed by the consumer. 

File Name : Dispute Letter 2 XXXX XX/XX/XXXX 2nd Dispute letter sent to American Capital with no response.

File Name : USPS Certified Mail Receipt XX/XX/XXXX - Receipt for 2nd Dispute Letter being sent. 

File Name : USPS Tracking Date Dispute Letter Received XX/XX/XXXX - 1st Letter received by American Capital on XX/XX/2020.
Consumer complaint received 2020-05-19
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have  identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX XXXX truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXX  {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX | XX/XX/2022
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WI)

Equifax for the 4th year in a row is producing the message : " online delivery unavailable - mail in request '' when requesting my annual free credit report. I have no problem accessing/receiving my report from XXXX XXXX or XXXX. I have no freeze on my credit. I was not prompted to answer any questions on the annualcreditreport.com site when making the request from Equifax, I was prompted to enter the last XXXX of my ss # then I received the above message. I do not want to mail in the report form because it contains personal information - no one mails ss # 's or other info any more & I dont want to receive my report by mail. XXXX is deliberately refusing the online report as they are required to do. There is no way of contacting them by phone, they have no capability to create a profile & contact them online or by phone as XXXX XXXX & XXXX both provide. Equifax is not living up to the requirements outlined in the FCRA.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (FL)

I tried to send a wire from my checking account after going through the verification process they told me I needed to upload my license which I did then they said I need to send verification form notorized which I did now they blocked my phone number I cant call the bank I cant talk to anyone I cant use my card I cant access my money {$5300.00} plus dollars nothing they just robbed me and are acting like Im the bad guy when they just stole every XXXX I got
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank (FL)

First it started with the bank not alerting me properly, then notifications were not done accordingly or precisely on the transaction, then they would tamper with my funds, pending transactions were never done accurately only on dates posted, then they would message me daily at XXXX XXXX, then they would not alert me in the app. I also requested a credit card they gathered my information and then never send me a letter for the denial, then they were, being very disrespectful towards me, sending me misleading letters that were not even understanding and contradicting recently in XXXX, the bank was not appropriate with the transactions. Or services very bad business practices as well in a email they send me a message with an incorrect name I had to tell them to please fix
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/year>XXXX  I made a purchase at Ulta beauty store. Used their Ulta credit card to pay for the purchases. They DOUBLE charged me for those purchases. When I received XXXX 's statement. The {$260.00} entry was double charged on the credit card. I immediately called Ulta and was told by the representative to wait 5 to 7 business days to see the resolution. On XX/XX/XXXX, the charge was not removed. I received a letter from them asking me to allow 90 days for them to complete an investigation. On XX/XX/XXXX, after no activity. Charge still remained on account and I was still paying the interest on this double charge, I called and was told that they confirmed with the store that this was an accidental double charge and they needed me to go up to the store to have them remove the charge. On XX/XX/XXXX, I went up to the store and explained the situation. The manager tried to remove this from the credit card but was unable to. She said credit services knows that the store is unable to remove a charge from an account past 90 days. On XX/XX/XXXX, I called customer service again and they closed my case as " resolved ''. I then had to write a letter to have them reopen. Which I have done. I can not get ANYONE to talk to me and NO ONE will remove this double charge. Each person I speak to confirms its a double charge but no one " has the authority to remove it. '' They will not transfer me to someone who has the authority to remove it. I am told they will contact me. It has been EIGHT MONTHS, I am still paying the interest and NO one will take to me or remove this charge from the account.
Consumer complaint received 2024-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2021-11-03
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: United PanAm Financial Corp. (PA)

hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. XXXX XXXX ( Collection Account ) Account Number : XXXX Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}
Consumer complaint received 2020-12-07
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. (OK)

I have now called several times today. I was just hung up on on my last call without ever getting anyone even helping me. I immediately asked for a supervisor because of the poor handling of the prior calls. I asked for an agent in the US and she said they don't have any agents in the United States. She then hung up on me. I took the survey but nothing will happen out of it. I can't even get through the phone system now because they have flagged my number or information. I was able to get through on my previous calls. This is retaliation. Our credit information is being handled by people outside the United States and I am not comfortable with this whatsoever.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SFMC L.P. (TX)

On XX/XX/, l engaged in a conversation with Great Western, during which they assured me three times that only a soft pull would be conducted on my credit for the pre-qualification process. Contrary to their explicit promises, I discovered later through notifications from my banks and XXXX that a hard inquiry had been made on my credit report. 
Upon reaching out to the senior loan officer, XXXX XXXX, she initially claimed the inquiry was a soft pull at XXXXXXXX XXXX  on XX/XX/. However, at XXXXXXXX XXXX on the same day, XXXX XXXX acknowledged that a hard pull had indeed been performed. Subsequently, she downplayed the situation significantly in multiple emails, which I have attached for your reference.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I opened an account with Capitol One 360 in XXXX. The account was opened with a {$25.00} deposit with a {$25.00} dollars overdraft limit. On XXXX XXXX, XXXX my husband and I purchased a time share. I provided the resort with my debit card number with the intent to transfer {$100.00} into this checking account by XXXX XXXX, XXXX, first payment due date. However, my husband and I cancelled the timeshare due to fraud and misrepresentation. I was advised by my attorney to cancel my debit card to avoid any further charges, so I cancelled the card. With a {$2.00} balance in my checking account, The time share company debit my card for {$100.00} causing my account to be {$98.00} overdrawn on XXXX XXXX, XXXX. I disputed with the charge Capitol 360 under the grounds of fraud and misrepresentation by the timeshare company. I lost the dispute. I asked the bank representative why did they allow a {$100.00} charge to go through when I had only {$25.00} overdraft protection. They told me they still allow certain charges to go through such as gas etc. I attempted to buy gas with this debit card over a year ago and the transaction declined. I have attempted to further dispute this with supervisors and gotten no where. I received an email from the escalation department stating that I can no longer dispute this item. I feel that I should not be responsible for paying this charge when there was an overdraft limit of {$25.00}. I attempted to close the account, but I was told that I could n't until I paid the pending overdraft charges. This account is constantly accurring interest.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (NY)

After a thorough examination of my credit report, I've identified discrepancies, including unfamiliar items, Student loans, addresses, and other details that do not match my records. Taking immediate action, I am filing a complaint with the Federal Trade Commission ( FTC ) to report suspected fraud and identity theft, as these accounts were not authorized or opened by me My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports. Mohela Department of EDU XXXX on my credit report fraud and identity theft
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I have made 120 qualifying payments in my student loans. My prior servicer ( XXXX  ) placed me in forbearance on three occasions because they couldn't process an IDR payment within a month. 

I was ready willing and able to make those payments and tried multiple times to have them corrected. Mohela has also not worked with me to correct those missing payments. 

I have been working for the federal government since XX/XX/2013 and have never missed a payment. My loans should be forgiven. Mohela is telling me that I need to make 4 additional payments at a much larger amount. This is wrong according to department of education rules and I should already have my loans forgiven now. I submitted PLSF certifications multiple times. I also submitted a department of education complaint and heard nothing.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Between XXXX and XXXX XXXX night I, XXXX XXXX went to go deposit {$100.00} in cash and a check of {$88.00} from work. When I deposited the cash and the check, the screen loaded for a while and then the ATM flashed with a yellow screen telling me the ATM " Could not take in my cash or check at this time. '' It gave me back a few XXXX dollar bills and my card and kept my check and {$100.00} in cash. It gave me a small slip telling me " Sorry for the inconvenience '' and there had been a deposit of {$0.00} cents as a place holder until I made a claim and told them the amount I had deposited. I made a claim to Wells Fargo the next day and they told me because it was cash I might not get it back. They also told me I'd have to wait well over a week and a half. I will be evicted if I do not have that money soon. 
The location of the ATM was XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened up a checking account with Bank of America XX/XX/year>. A regular checking account for my employment checks to be direct deposited into. I got approved for the account. Received an email that my debit card was on the way XX/XX/year>. Same day that I received an email that my card was on the way they typed of the decision letter to close my checking and savings account per their decision. I'm just trying to get my life back on track with having an actual bank account and do right by it this time. I always ask if my past will affect the possibility of my present and future with banking and I am always told no. I will be in the clear. It's been years. Any time that I call I just get the run around with an indefinite answer. It's always they can't specifically tell me its the choice of the company. I know if I was a white woman trying to get their life back on track it would be no issue for the bank to give a second chance but since I am an XXXX XXXX  woman its a lot harder for that second chance. I do want the bank account to remain open so I can create the history I need to be able to move into my apartment and to be able to get credit line to create credit. I've called and have been passed around every department as they do every time they don't want to give a correct answer or they'll just figure I'll hang up and go about my day. I'm fighting to keep the account to established myself from the ground up. The debit card has reached my home and if they were going to closed the account I believed they shouldn't have allowed me to open it up nor should have they approved the application.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AK)

per attached PFD file It appears personal ID information was used to fraudulent obtain a credit at SYNCHRONY BANK to make purchases. 
This account now transferred to XXXX XXXX XXXX as a debt collector
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP (NJ)

Creditor Pressler & Pressler obtained judgment against me by serving papers to my foreclosed property while i had been homeless. I never received information on court date or subsequent judgement. I reached out to the company after notified by former family member that a notice was mailed to his address about wage garnishment. I verbally requested verification of the debt, and provided my current mailing address for corespondence. I also attempted to make payment arrangements of which i was told i would receive a call the next day which did not occur. The only communication i received was notices for intent of wage garnishment at the new address i provided but they never verified the debt.
Consumer complaint received 2019-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CT)

HI. 
Dear CFPB.You did not solve the problem.You are keeping the side of mortgage company.In spite that i send 5 email they are unable to solve problem.I can not understand that you do not know the law.Property tax/assessment value/ in CT is set on per year, and can not be change in the middle of year.They change tax in the middle of the year.They ripp me off.I am asking you, what the next..