davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (LA)

I signed a lease and moved out in XXXX of 2020. I left a forwarding address with the front desk on a sticky note ( per their request ) but it was never placed in the system. Fast forward to today, I have a negative remark on my credit in the amount of $ XXXX and now receiving calls daily after inquiring about the debt. When I called the apartment complex, they refuse to assist with removing this debt from their credit agency and getting this remark removed from my credit. I do not mind paying what I owe, but I do not think it is fair to have this mark on my credit when they did not contact me about the debt. For what its worth, when I called in, the front desk did not ask me anything to pull my file. They were able to do so with my phone number which they had in their file and could have contacted me before sending this to collections. When I spoke with the collection agency, they refuse to work with me to get this removed from my credit or even offer some type of settlement. This is my only collection debt on my credit and I would like to get this removed. I've had this issue with this apartment complex and credit agency before and still decided to stay with them and I thoroughly regret it.
Consumer complaint received 2016-05-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (NY)

They have called my employer numerous times, even after I have asked them to stop calling me at work, at the phone number. Not only that, but they have told my employer who they are, and that they are debt collectors, and have given personal information out. This damage, can not be undone. They should have never called work, and when asked to stop calling they did n't stop. They are not allowed to give out personal information /or say it is regarding a debt.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

Good Afternoon, After I entered all the information and pass the XXXX multiple choice questions, Equifax and XXXX did not allow me to see or print my credit report via online!. 
I did receive the XXXX Credit Report. 
Thank you. 
XXXX
Consumer complaint received 2016-07-25
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Healthcare Receivables Group, Inc. (SC)

I went to the hospital in 2010 when I XXXX in a four wheeler accident. I had XXXX taken and was told it didnt seem too bad as I looked at the XXXX with the nurse. The doctor decided XXXX would be a good idea. I made the decision to not have the XXXX considering I had no health insurance at the time. When I was explaining that I would not need the XXXX, the staff and my father decided to persuade me to have the procedure. At the time they were giving the best help possible. I informed the staff and my father that I would be leaving without XXXX, and at this time they decided to hook me up to XXXX XXXX to prepare me for the XXXX. When the staff left I looked at my father and told him I am leaving, and now I 'm being billed not only for the x rays but also the XXXX XXXX which were hooked up after I tried explaining that I was not having the XXXX. I removed the XXXX and left the hospital.
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (WI)

I received a money payment deposit through my Venmo account for a pending purchase from a woman, who I later found out was the mother of a minor male customer who attempted to make a purchase with me. I do not sell to minors and was unable to reject the funds or return the funds once received from Venmo back to the customer through venmo. After serveral attempts to contact Venmo to get help, I transferred the money to my bank and after 2 days funds were available for me to withdraw, which I did in the form of a cashier 's check made out to the woman who sent the payment. After conversing with the minor customer and finally the mother who sent me the funds, I notified them the funds were being returned as promised directly into the bank account they provided me, an outside institution. On the same day that the deposit was made and the funds were available in the customers account, the woman who send me the deposit funds made a complaint to Venmo for refund through Venmo. Venmo sent me a notification that the transfer was in dispute at which time I immediately submitted a copy of the deposit receipt and the front side of the cashier 's check showing the refund was already sent and complete to the customers mother. Venmo the next day declined my evidence and refunded the customer and debited my account a negative balance for the same. Over the next XXXX weeks I made numerous chats with their company reps, requested appeal of the return as they directed me to and submitted the same proof documents via email to their payment support team. After a month the issue has not resolved and Venmo has not responded to my numerous requests for update.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (KS)

I went to an ATM to get {$300.00} out using my Bluebird ( American Express ) card and I could hear it starting to count money then it stopped and said my transaction could not be completed. My lady friend used to work at that bank and I told her about it and she in turn called the branch where the ATM was located. She was told they would check their end, but I also needed to contact my financial institution. I did and reported it on their form this was XXXX XXXX 2016 is the date transaction occurred. On XXXX Bluebird reported to me that their investigation was complete and they were not refunding my money because they could n't prove that it did n't give it to me. I showed lady friend the email and she called the Vice President and as she was told no one had contacted the bank about this transaction. I called Bluebird and the XXXX told me the investigation was over and there was nothing I could do. I then spoke to a Supervisor and she told me what form I needed to fill out next to dispute this. I was not real nice, especially to the first lady, but this is ridiculous because I intitially even told them that the bank shows that the cash was not dispensed. So this is where I am waiting to get a response from my second request.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My husband and I had a XXXX XXXX XXXX XXXX  and were sent a check from XXXX XXXX XXXX for {$26000.00}. The check was made out to myself, my husband, and XXXX ( our mortgage company ). I signed the check and brought it to Chase Bank in XXXX XXXX, CA. The check was mailed with no instructions, so I assumed I was able to deposit it- which is exactly what the bank teller did. He deposited the check into the checking account my husband and I share. I have never dealt with an insurance check before, and banks deal with them all the time... they knew better. Needless to say, the check was missing two signatures, my husband 's and XXXX 's. Therefore, Chase decided to flag the check as fraudulent. Chase Bank then decided to withhold our entire checking account from us-including our own paychecks!! We found out our checking account was CLOSED when my husband tried to get gas and his card didn't work ... .They literally closed our account without any notification whatsoever!! I went into the branch multiple times, and the bank manager is the one who actually filed a formal complaint with the executive office on our behalf, and yet our account was still closed. Our paychecks were withheld from us for SEVEN days until we got a cashier 's check. Yet, Chase kept OUR insurance $ $ and it is just floating around. Why couldn't they send it back to our insurance company? Why couldn't they just cancel it? It obviously isn't fraudulent. After filing the complaint at the executive level, I spoke with XXXX and XXXX. I was told the funds would be released to us if we sent in a Hold Harmless Letter XXXX. We received the letter, got it notarized and sent it in! XXXX said it didn't work and they would not release the funds. We literally sent them what they asked for, and they went back on their word. Out account has been closed for over two months now. I have called the executive office multiple times in the last 3 weeks, with NO call back. The water damage in our home has resulted in XXXX XXXX XXXX XXXX. OUR MONEY to repair the damages in OUR HOME is just sitting at Chase ... .they refuse to give it to us or send it back to the insurance company. I am baffled, stumped, saddened, stressed, and so furious about this whole situation. None of this would have happened in the first place if Chase did NOT deposit a check without the correct signatures. We NEED this $ $ to repair our home. We have a XXXX old, and XXXX old who have been in a home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has been a nightmare!!!! We need this taken care of ASAP. 
I am very much hoping that this can be resolved, and you can help our family move on from this. 
XXXX and XXXX XXXX
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

the bankof america has not behaved fairly with an fha loan they can do a modification they say they are there to help but never do anything, I dont know where to go for more help since I am single and no man around I feel they have walked all over me
Consumer complaint received 2022-11-15
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: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone # ( XXXX ) XXXX XXXX, TX XXXX XXXX # Synchrony Bank ( PayPal Credit # XXXX ). 
In regards. Case No. XXXX for {$1500.00}. I purchased an item that turned out to be a forgery. I used the card issued by Synchrony Bank ( PayPal Credit # XXXX ). I asked PayPal to assist me in returning it to get my money back as per their money-back guarantee policy because I couldn't contact the seller and he no longer has a shop. PayPal refused to send me a printable shipping label so that I could print it and return the item. However, they sent me the seller 's address in XXXX and asked me to return the shipment to him with my own money, which I did, and after a month, the shipment was returned to me because the address they gave me was incorrect and they refused to compensate me. I called customer service seven times, and the hold times were unreasonably long and inexcusable for more than XXXX hour and XXXX minutes at a time, repeatedly transferring my call. There are numerous reasons for my dissatisfaction with unprofessional customer service that provides no solutions but insists on keeping my money.
Consumer complaint received 2022-10-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MO)

I have been working with XXXX XXXX - XXXX XXXX- and he has stopped returning my calls and emails. So I decided to pursue financing with another mortgage company and we have all been trying to get XXXX to release my case number so the new mortgage company can move my file along and he will not comply. He said he released it weeks ago and it's up to FHA to complete. I have contacted FHA and they said it is still in XXXX 's name ( Loan Depot ) and when I told him that he said I don't care, there is nothing more I can do. He is preventing me from bettering myself financially and holding my Case number XXXX and not complying with anyone 's request. He's been very XXXX and XXXX and has XXXX disregard to help me as a consumer.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I attempted to purchase a XXXX XXXX through XXXX. The knife in question was a XXXX XXXX XXXX and was being sold for {$200.00}. I sought to purchase it and sent the funds via XXXX as requested by the seller. The seller then blocked me. I contacted my financial institution about the fraud and they told me that I would have to go through XXXX. I contacted XXXX and they told me that I would have to go through my financial institution. For a timeline : Initially contacted the seller on XX/XX/2021. Sent funds XX/XX/2021. Showed accepted XX/XX/2021. Blocked by seller XX/XX/2021. Contacted financial institution for fraud on XX/XX/2021. Contacted XXXX on XX/XX/2021.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 4th time contacting the CFPC and my disputes are still not being handled by XXXX, XXXX  and Transunion ... Please investigate these negatives items and have them deleted. 

XXXX Unverified account XXXX XXXX XXXX XXXX- Unverified account XXXX  XXXX XXXX XXXXUnverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Curfin Holding Company, Inc (IL)

Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX XX/XX/2020 3. XX/XX/XXXX. XX/XX/2020 4. XX/XX/XXXXXX/XX/2020 ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (TX)

MY IDENTITY WAS STOLEN SO A FRAUD ALERT WAS PLACED ON MY CREDIT. I AM NO LONGER ABLE TO OBTAIN A CREDIT BECAUSE THE TELEPHONE NUMBER ON THE ALERT FILE IS WRONG SO THE CREDITORS ARE UNABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED TO CORRECT THE WRONG INFORMATION BUT WAS UNSUCCESSFUL.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management (NC)

this message is for plaza servies llc about the account they have on file. i cant submit feedback to the closed complaint but i read your cfpb response. yes i noted the date the fraud occurredon XXXX of this year, but the reason is because i cantremember so i put something down and i also reported it to the police that it occurredin XXXX of this year. i have XXXX XXXX XXXX XXXX due to my XXXX. whetheryou want to believe it or not is up to you. i cant get a copy of the police report just yet because they informed me that it will take a few days. i promise you i am not making this stuff up. i have XXXX XXXX and XXXX XXXX  to where i get brain fog so dont start with me on this ok? thanks. i am not making anything up. when i get a copy of the police report ill send you a copy via email. i have severe XXXX and XXXX XXXX XXXX i cant even remember what i did yesterday. so dont start ok? thanks
Consumer complaint received 2015-04-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NC)

I just signed up for a PayPal Account in XXXX 2015 and used it for about 3 months then i got a email that my account was on hold. I called in and they informed me that i have XXXX other accounts that have negative balances XXXX over {$6000.00} and the other almost {$3000.00}. I am a victim of identity theft previously so i informed them of this and they told me to fax the information in. So i called FTC to get the affidavit sent to me with the pay pal accounts added to the list of accounts opened without my knowledge. I sent the information to papal and got denied XXXX times and appealing. I was told pay pal was over the federal government and that i am being held responsible for both accounts and that they are going to keep my money its almost {$700.00} in my pay pal account its messed me up and is putting all of my bills behind.
Consumer complaint received 2022-11-15
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. (GA)

Equifax added a fraudulent address to my credit report that had already been reported and removed for fraud. Equifax is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Equifaxs behalf.

Equifax stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : Equifax - XXXX - Delivered XX/XX/XXXX, XXXX
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

My husband died in XXXX 2016 and in XXXX I closed the XXXX account which provided internet, TV an phone services. I was ill and not living in the location where the services were provided. I was asked to send back the routers. I requested that the prepaid carton for the routers be sent to my daughter. The carton was received by her and she went to my apartment and put the routers in the carton and sent the carton back to XXXX. XXXX is charging me for the routers. {$460.00}. However the routers were returned and so I do not owe that money. All other billing from XXXX on that account was paid.
Consumer complaint received 2022-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I do not have a freeze on my EQUIFAX credit file, however my mortgage company is unable to obtain my report - my mortgage may not process due to this. I have been calling for several weeks and have promised a return call to assist but this never occurs