davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp. (FL)

On XXXX/XXXX/2016 I received the following series of emails from a company called TruAccord who was initially collecting on a debt for XXXX XXXX which is me but they later acknowledge my cease & desist request calling my XXXX ( my ex-husband ) and continued to try and collect from, this company has no idea who owns the debt is trying to collect from one of us but neither of us owe it : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX Unsubscribe XXXX XXXX ( 2 days ago ) to me This is an important message for XXXX XXXX. If you are not them, please disregard and delete it. 

XXXX XXXX XXXX XXXX ( owner of your XXXX XXXX balance ) feels like you 're taking advantage of them, and they 're kind of right. Let 's just take care of this balance now and be done with it. It 's not like we 're going to give up on this. 

Can you pay now? 

Thanks. '' I responded with a Cease & Desist order on XXXX/XXXX/2016 as follows : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Well let 's see if you can handle this! 

This is your official notice to cease & desist immediately. If you continue to harass me for money I do not owe, I will contact my attorney. DO NOT CONTACT ME VIA EMAIL, MAIL OR PHONE AGAIN! IF YOU DO, YOU WILL BE IN DIRECT VIOLATION OF FDCPA LAWS & I WILL SEE YOU IN COURT! 

THIS EMAIL REQUIRES YOU TO IMMEDIATELY CEASE & DESIST ALL CONTACT WITH XXXX XXXX! FAILURE TO COMPLY WILL RESULT IN A COMPLAINT BEING FILED WITH THE FTC. ALL EVIDENCE WILL BE SUBMITTED WITH THE COMPLAINT. IN ADDITION, CONTINUED CONTACT MAY ALSO RESULT IN A CIVIL LAWSUIT BEING AGAINST THE INDIVIDUAL COLLECTOR, YOUR COMPANY AND ANYONE INVOLVED IN YOUR ATTEMPTS TO COLLECT THIS FRAUDULENT DEBT. 

I hope I 'm making myself clear! 

Good day! '' TrueAccord then acknowledged my cease & desist request but replied to XXXX ( my ex-husband ) after stating this was my debt in the 1st email and continued to try and collect this debt from me in the email received below on XXXX/XXXX/2016 : " TrueAccord Support XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 5 hours ago ) to me Dear XXXX, We have processed your request and will no longer contact you. 

We can stop communicating with you about this debt, but you are in a debt collection process with XXXX and we are the collectors. We strive to do our best to help people in debt, and we can help you too. 

Getting us to stop communication does n't invalidate the debt. It does n't stop interest where applicable and it may affect your future financial standing. 

We retain the right to employ future collection efforts as needed, but we prefer working with you directly. 

Best Regards, XXXX XXXX. 

TrueAccord Engagement Team XXXX XXXX XXXX XXXX , CA XXXX Call us : XXXX Email us : XXXXXXXXXXXX Please note the important mandatory notices conveyed in our former communication. TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. ''
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FCC Finance, LLC (NC)

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : FCC Finance Account number : xxxxxxxxxxx You're reporting late payments from XX/XX/XXXX up until XX/XX/XXXX yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

They made it extremely difficult to be signed up for income driven repayment. Even though XXXX XXXX approved mine with the same documentation, Navient kept requesting more and more and trying to hold off on signing me up. I had to yhreaten to call the attorney general to get anything done!
Consumer complaint received 2016-12-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (PA)

I have disputed this with the XXXX credit bureaus. I just received one of my disputes stating this bill of {$78.00} has not been paid ... This bill has been paid on XX/XX/2013 RE : XXXX in the amount of {$78.00}. I have even overpaid by {$0.00} and is still showing up in collections on my Credit Report. I have a letter from XXXX reflecting the payment of {$78.00} on XX/XX/2013. I want this deleted on my XXXX Credit Reports, or showing this has been paid in full.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

THE COMPANY, XXXX XXXX XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXXXXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (WA)

Discover gives one the option of a balance transfer. However, they fail to make available in writing the current balance owed on the balance transfer as well as the date the promotional APR expires on that balance. I called Discover XXXX XXXX and asked to be provided with this information in writing, either via US mail or via an email. I was told this was not possible ; they provided the information verbally, but I wished to have it in writing so I had solid evidence in case their phone agent told me incorrect information. ( This information is also not available throuogh my Discover account : I can see the total I owe, but it is not broken down so I see a clear balance owed that is associated with each date that the promotional APR expires, and this detail information is what people need to be sure they pay their balance off before the promotional APR expires. After 20 minutes of being on the phone, sitting on hold while being transferred to a supervisor, and talking to that supervisor, I asked whether they could provide this information via their " secure mail '' option that is attached to one 's Discover account. Amazingly, it did n't occur to Discover employees to suggest this option. I was then transferred to yet another person and after another 10 minutes on the phone including several minutes on hold ( during which I sent a secure message asking for this information ), I was told that he could not respond to that inquiry ( or indeed, access the information about my balance transfer. He did assure me I would receive a response within about 24 hours. It is now 4 days later, and I still do not have a response to my inquiry. I just resent the inquiry. 

Discover is failing to provide consumers with balance information that is necessary to pay one 's balance in a timely manner. In the case of balance transfers with promotional APRs, Discover needs to clearly state the current balance and the day the promotional APR expires. They are not doing this.
Consumer complaint received 2020-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (GA)

I spoke to Ally in XX/XX/2019 about receiving XXXX benefits under the Ohio Revised Code. I was told it would not be an issue and was given a list of documents to send either fax or by mail. I sent all the required documents certified mail that was received on XXXX XX/XX/2019 by Ally and I have yet to receive any correspondence on the status of my benefits.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: LDF Holdings, LLC (LA)

I sent evergreen services notice to revoke my ach on XX/XX/XXXX, they acknowledged it. My debt management company also sent notice to revoke on XX/XX/XXXX. Friday XX/XX/XXXX they initiated a withdrawal of {$170.00}, when asked why this transaction was initiated when they were revoked they said its required, and a refund would not be issued. This transaction was revoked more than enough time in advance it should not have been initiated
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

Step 1 : What is this complaint about? 
I am trying to make a payment to Wells Fargo Financial Institution and they are demanding i provide my full social security number. I have identified and confirmed my PII and the institution again still demands I provide my FULL social Security number. 

Step 2 : What type of problem are you having? 
The Financial institution demands I provide my full social security number and demands I provide it per their policy. Wells Fargo has refused to provide me their policy and demands I give them My social Security Number. 

Step 3 : What happened? 

Wells Fargo is refusing to provide policy that I believe puts me and my family at risk for Identity theft and they will hold me as a consumer late if I do not give them information that they have confirmed they already have. 

Step 4 : What company is this complaint about? 
Wells Fargo Home Mortgage Step 5 : Who are the people involved? 
XXXX XXXX Employee # XXXX
Consumer complaint received 2022-02-24
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. (AZ)

XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX , XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 

XXXX5 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 2022-02-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates (GA)

I received a call from PATIENTS ACCOUNTS BUREAU on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX. Today, this company called me and stated they were attempting to collect a debt. The person who called me was named XXXX. Pursuant to XXXX XXXX XXXX, 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.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (WI)

XXXX XXXX 2016 I am filing this Complaint because Paypal 's response to my earlier Complaint ( XXXX ) made no attempt to resolve the matter in question, namely a {$250.00} refund issued from XXXX to Paypal. Paypal 's response was nothing more than a reiteration of the conversations I have had with them over the past several months. 

The XXXX item Paypal requested in their complaint - the email from XXXX indicating the transfer to them of the {$250.00} - was faxed to them on XXXX XXXX 2016, to the fax number they provided ( XXXX ) in their response. The Transaction # XXXX in this email was furnished to your staff in my our last conversation and in my Complaint. 

Paypal, as the financial institution that facilitated, the purchases I made with XXXX has a fiduciary and ethical duty to resolve the refund matter in question. It is their duty, to work with XXXX, to resolve this matter. In all my conversations with Paypal, and per their response to my earlier complaint, noted above, I can detect no such attempt. Paypal 's actions fall short of the actions of all other financial institutions I have dealt with, who have always contacted the merchant to resolve a problem. 

I trust that Paypal will now take the actions noted above, that their fiduciary responsibility requires, to work with XXXX to resolve this matter. 

Further, as you know all purchased items were returned to XXXX shortly after purchase. You can confirm this with XXXX. So the return of the items is a mute point and not at issue. 

As XXXX is a party to this matter they have also been named in this compliant. 

XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IL)

In accordance with Fair Credit Reporting Act XXXX  XXXX XXXX account XXXX, XXXX  XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX, XXXX account XXXX, XXXX  XXXX XXXX  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 a account without my written instructions
Consumer complaint received 2020-01-16
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: U.S. BANCORP (CA)

THE US BANK LINE OF CRED ON MY CREDIT REPORT IS FRAUDULENT AND THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE CONTACTED NUMBEROUS TIME THE CREDIT DIRECTLY AND ASKED THEM TO LET ME KNOW ON WHAT BASIS THEY HAVE REPORTED THIS ACCOUNT ON MY CREDIT REPORT.THIS ACCOUNT WAS OPENED FRAUDULENTLY, WHICH MEANS SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME, I HAVE NO IDEA HOW TO PROOF OF INOCENSE. I KNOW THEY ARE BIG COMPANY AND THEY CAN DO AND SAY WHAT EVER THEY WANT BUT THIS ACCOUNT IS NOT MY ACCOUNT.
Consumer complaint received 2016-12-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TX)

My ex-wife opened an account under my name only, the company allowed her to open the account, and ran the debt up. Upon our divorce, the debt collection agency has refused to contact her about the debt and has resulted in a lawsuit against me.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (PA)

i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2
Consumer complaint received 2015-04-05
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (TX)

My paypal account was permanently limited by Paypal on XXXX. I have contacted Paypal several times, but customer service department could n't explain to me why it was limited since it was done by another department. I have over {$3000.00} in the account and could n't be transferred to my bank account due to limitation. Paypal said that it will be held for 180 days. I dont think that it is legal to hold the money for that long time without proper explanation.
Consumer complaint received 2022-11-08
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: U.S. BANCORP (IL)

In accordance with the fair credit reporting act XXXX U.S Bank  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 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrity Solution Services, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!