davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (CA)

XXXX, XXXX, Equifax has refused to remove a Fraulent account XXXX XXXX XXXX. I have previously submitted fraud reports ... im asking this account. r removed immediately under The Fair Crwdit Reporting act
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-22
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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MI)

XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY IN A COLLECTION STATUS AND IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
Consumer complaint received 2023-03-15
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: ProCollect, Inc. (KS)

Procollect is using abusive, coercive and oppressive acts to block the right of having a fair and accurate credit file. Procollect has never provided Gramm Leach Bliley Act disclosures in accordance with 15 USC 6802 ( b ) ( 1 ) ( B ) and 15 USC 6803. Therefore, Procollect has obtained, trafficked and used my nonpublic personal information used defame, intimidate and to coerce payment on a debt that I do not owe, nor has Procollect ever provided adequate validation of the alleged debt. Procollect does not have authorization or authority to traffic my nonpublic personal information, especially for its own financial gain. Please see attached correspondence and FTC report.
Consumer complaint received 2022-06-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Navient sent me a letter regarding my fees and interest accessed during the period my loans were being held with the Ohio Department of Education to be accessed for forgiveness. Due to unfair practices my documents were never accessed properly and the application was declined. I received a letter statement all interest in fees would be removed from the account this week an email came stating those fees and interest is still applicable. Loans and fees are currently being deferred, but I check my account and I am see a monthly charged. I received a letter with a small settlement regarding my loans stating Navient was negligent with my loan forgiveness and that a {$260.00} check would be sent why not just re-evaluate my application. My accounts have been mishandled by Navient which has impacted my credit history
Consumer complaint received 2022-07-04
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. (NJ)

I have been sending letters for more than 3 months to eliminate some errors or negative elements of my credit and the bureaus have not given me an answer. I feel like they are ignoring my requests.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (SD)

In XX/XX/2019 I submitted a fraud claim with Discover Card. I was notified on XX/XX/2019 that the investigation had been closed and that all unauthorized charges had been credited ( see attached ). I have still not received these noted funds of {$1100.00}. I have called multiple times and continue to be told the funds will be in my account within 12-14 days. The first time this was noted was on XX/XX/2019 by XXXX at XXXX. I called again on XX/XX/2019 at XXXX was spoke with XXXX who notified that the investigation was incomplete so they could not process the transfer and send me the funds of {$1100.00}. I again spoke with someone at discover on XX/XX/2019 at XXXX who notified me that they would transfer the funds after the credit refund team had time to review the claim. I have been given no reason to believe they will actually transfer the funds as they continue to say they will. I have also asked that any account in my name at discover be closed and have continued to fight them on it. I also have no reason to believe they have actually closed any of my accounts as requested based on the letter I received on XX/XX/2019.
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (AZ)

I bought a product in XXXX from a merchant in XXXX and paid XXXX {$160.00} using PayPal on XX/XX/XXXX. I was charged USD {$130.00} at the exchange rate of 1.2754 CAD. 
The merchant did not have the item in stock and refunded me XXXX {$160.00} on XX/XX/XXXX. PayPal refunded me USD {$120.00} at the exchange rate of $ XXXX. I reviewed the currency exchange rates from XX/XX/XXXX to XX/XX/XXXX and there was no change in exchange rates like this. 

PayPal charged currency conversion fees on payment to seller and also on my refunds, resulting in me losing >4 % of the transaction. I contacted PayPal on XX/XX/XXXX but they mentioned the fees can not be refunded.
Consumer complaint received 2022-01-22
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: Navient Solutions, LLC. (GA)

I filed a dispute with XXXX about incorrect information on credit report. Navient has indicated that I missed five payments in a row ( XX/XX/XXXX through XX/XX/XXXX ). When I contacted Navient on XX/XX/XXXX about the discrepancy, they refused to make any changes. I explained that I was told by a Navient rep that my account would be put in forbearance, but that is not what happened. I ended up getting my account flagged as missed payments. I asked for them to pull call records which they were not able to produce. I also filtered through my email and have no communication about missed payments. Not even a certified letter was sent. The loan has been paid in full since last year, but is negatively impacting my credit score due to their error.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I logged into my US Bank account to see where i was with my balance, etc. and because I usually pay by phone, to see what had cleared my account. I noticed a strange withdrawal of {$1900.00} on XX/XX/XXXX. I knew I hadn't made any payments in that amount, and I became worried that I had been hacked. I scrolled back to the previous month and to my shock, there was another withdrawal of {$2900.00} on XX/XX/XXXX to a person named XXXX XXXX, again knowing I had not made any payment in that amount, either. I don't know anyone named XXXX XXXX!! I noticed that the address on the front of the check ( it was NOT one of my personal checks, btw but rather some kind of typed up check that in the Memo section of the check it says " Allowance '' and it shows on the bottom right hand corner " signature on file '' ) was on the made payable to the order of XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, yet, it was signed by this XXXX XXXX and deposited in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an account number of XXXX, and a phone number for their " Operations Department '' of XXXX, I immediately called US Bank and they referred me to their " Fraud Liaison Center. '' at XXXX and they established case # XXXX. I was told I had to go into the branch office near my home and fill out two affadavits and a customer statement, which I did the next day. I filled out all the paperwork and was told to email them to XXXX, which I did upon leaving the bank. I was also told that it was my responsibility to call back to check with them on the status and that it would be resolved with 7 to 10 business days. I did indeed call back and have called back multiple times to check on this and no one could give me any answers. Then I received a letter from the US Bank Digital Claim Services saying that my claim XXXX ( {$1900.00} ) and claim XXXX, they stated " during our investigation, we determined the transaction posted as requested, therefore your claim has been denied. I don't know how they " determined '' that- they provided no explanation of how it was determined, only that I had the right to requests the documents used in their investigation, and to call XXXX to get copies of those documents. I called the number and was put on hold for 15 minutes, at which time I was disconnected, without ever talking to anyone. As you can imagine, this whole process has been devastating, shocking, frustrating. I need that money for bills and my son 's tuition! I've been banking with US Bank for over a decade and have never had anything like this happen before. How can they jus deny me the money that was rightfully mine, that I in good faith entrusted in their care??? Please help me. I'm still in disbelief that they can treat a loyal customer this way and that I have to just accept that someone hacked nearly {$5000.00} from me and they do nothing??!!
Consumer complaint received 2019-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: First Data Corporation (MA)

We opened an account at First Data, with a merchant account and XXXX   XXXX    since XX/XX/2019. The service enable us to charge customers payment for delivery service. The account works properly until XX/XX/2019. 

Since we are a startup, at start, the cash flow into XXXX  account is small and we are able to redeem the money from XXXX account to our bank account. However, since with the growing of the business, the cash flow becomes larger, and then we are unable to redeem the money from XXXX  account. We didn't notice until XX/XX/2019. they close the whole account without any notice! We have been trying to call  the customer service several times. They only give an answer that this is due the security reason that close our account and reject to do further assistance. The customer service says they can't help us and transfer us to security department. However, the security department never pickup call! Their voice mail say they will call back between 24 to 48 hours!!! But we NEVER got their call!!! 

Now, XXXX has been freeze more than XXXX dollar in the account and reject to answer any questions and disappear!
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX, XXXX, and Equifax in regards to the accounts showing that they had been removed from my file. I also received a letter from the Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from XXXX stating that the account was REMOVED. Moving forward into XX/XX/2022 a Employer Credit Check was pulled, and the account is back listed on my report as well as listed on Equifax, and XXXX and it was perviously REMOVED. How was this account reinserted back onto my credit file without my acknowledgement when the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact XXXX, Equifax, and XXXX back in regards to the issues I'm having, but I have not been successful. Each Credit Bureau is neglecting to remove the accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened Bank XXXX XXXX XXXX XXXX. I have attached proof of my previous dispute results.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

Three orders for the amount of {$780.00}, {$390.00} and {$450.00} were purchased on XX/XX/19 with the Macy 's store credit card. The XXXX tracking numbers for the orders, given a month later, are XXXX, XXXX, XXXX. The tracking information says that it was delivered on XXXX, XX/XX/19 at XXXX. I never received the orders and my attempts to file a claim with both XXXX and Macy 's have been rebuffed. I first contacted Macy 's and was informed that I would need to address it with the XXXX XXXX store. I went to the XXXX XXXX store and spoke with the XXXX manager, XXXX, and was told that a claim would need to be initiated by XXXX. I then called XXXX and was told that Macy 's will have to initiate the claim. I am being bounced back and forth by both companies and therefore, I am requesting a fair appeals process.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (NM)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection accompanies do not have a contact with my signature.
Consumer complaint received 2023-03-15
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-01
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)

n accordance with the Fair Credit Reporting act 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. 


XXXX XXXX -Account # XXXX -Closed- {$23000.00} XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX - {$14000.00} -Collection XXXX XXXX  Account # XXXX -Closed XXXX XXXX - {$2500.00} -XXXX XXXX  - Account # XXXX -Closed -XXXX XXXX - {$31000.00} XXXX XXXX -Account # XXXX -Closed- {$29000.00} -XXXX XXXXXXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX - {$14000.00} -XXXX  -Account # XXXX -Closed- {$620.00} XXXX XXXX XXXX -Account # XXXX -Closed XXXX XXXX - {$620.00}
Consumer complaint received 2019-12-28
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. (FL)

I have been officially verified as a victim of the Equifax security breach and since last summer of 2018, I have faxed, mailed, and called Equifax about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. XXXX and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is Equifax making it hard for a victim to get fraudulent credit accounts blocked?
Consumer complaint received 2023-03-15
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or deleted : 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 2022-04-25
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. (IN)

XXXX XXXX XXXX XXXX said i had late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX said i had late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX the acct is in good standing and has been. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE A RIGHT TO PRIVACY 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT LATE ON CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Consumer complaint received 2019-12-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call from someone working with ace cash express threatening that theyll find me and sue me, call my job and harass me, call my sister also with threats that I defrauded a financial institution and that I owe money. 
Was pretty much a big threat.
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (IA)

Voice mail left for me today, XX/XX/XXXX @ XXXX XXXX  CST. Voice mail clearly threatens legal action via a civil claim for a debt. This company has called me multiple times and I explain each time : 1. Not my debt 2. If it were my debt, it is outside of judgement time period 3. It is illegal for them to continue to call me and threaten me. 

At XXXX XXXX  CST today, XX/XX/XXXX, I returned call and spoke with Ms. XXXX. She said debt was for a Citi card. I explained I did not have one. During call she said debt was from XX/XX/XXXX. She said she would refer it to their attorney and they would come after me and then hung up on me!

This is NOT my debt AND there is no signed contract by me for the debt.

Based on your own time tables, this debt is OUTSIDE of the statute of limitations for legal actions and judgement in the State of Iowa.

It is a violation of the FDCPA to threaten a consumer falsely.

Whatever contract this is is NOT valid, and it is NOT enforceable.

Try to take me to court ... I will counter and the only funds paid will be from you to me.

DO NOT CALL ME.