davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (RI)

THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXX ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED MIDLAND CREDIT MANAGEMENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC is violating my consumer rights and has committed an act of aggravated Idenity theft. LVNV FUNDING LLC has obtained my private Information under false prenses and without lawful authority. There is an account reporting on my consumer with an alleged debt that I do not owe. I will attach my complete cease and desist letter that I have sent certified mail.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm being brief but my credit score has drastic changes in the negative direction but is extremely slow to recover. In most if not all cases I pay several times the minimum bal due and always on time. Most recent a 60 Pt. drop and the reason is a XXXX increase bal. on a XXXX card that is the whole bal on the card. In addition I just paid XXXX on that card to bring that down well below XXXX it is a new card as well I just paid XXXX on XXXX XXXX and XXXX on XXXX XXXX  ..dropped my bal days ago by XXXX!!! so they crank it down to slowly bring it up again always keeping me at a higher rate..point is MY CREDIT IS FINE.. WHY AM I BEING TARGETED TO HAVE A MARGINAL CREDIT SCORE AND THE AGENCYS ARE REPORTING INACURATLY!! WHO ARE THESE PEOPLE!! now I have called before only to be told I need a credit counselor with a very rude reply. there is no way a persons credit can drop so fast. IF the agency report inaccurately what can be done. I worked hard on keeping my score good and this is just a bunch of XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1900.00}XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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. I did not give Experian, XXXX or XXXX permission to furnish these accounts. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

Ive been making payments faithfully for 3 years now to Navient. We have 2 loans through them and have been told multiple times that they can not combine accounts to make payment easier. 

At any rate, they have been sending bills and getting payment for the above duration. Again, 2 different bills. This month is the first time we have missed a payment on accident due to only paying one bill. I think we were 15-16 days late. I got no email, repeat bill via mail or call. I didnt even get a fee charged for being late. 

They called my mother 2-3 times a day looking for me over {$63.00}. Are you kidding me?!?! This is unacceptable.
Consumer complaint received 2022-04-06
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. (IN)

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX 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. Also these inquiries are not mine XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-01-25
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. (GA)

I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, Im reaching because i cant seem to find anyone who can help me with this reporting. Back in 2019 i placed a business check in my account i had no idea that this check was bad check. When i heard, I reached out to the nearest branch also spoke the Bank of America " Risk Department '' and No one seems to be able to help get this removed off of my account. I own a XXXXXXXX XXXX  but I'm not allowed to open a XXXX  account because of this fraud alert. Im not able apply for funding, Properly file taxes or open any type of checking account because of this fraud alert. Im asking whoever handles this case to please take into consideration that I'm a young XXXX XXXX during the pandemic thats trying to get ahead. This one single alert is holding my life. So I'm asking since the status was changed to reflect no balance owed can you please remove this fraud alert of of my consumer report. I understand that this was verified as accurate but i cant move forward with my life this is causing me great financial loss. Thank you!
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Im submitting a claim to you all about XXXX XXXX thats located in XXXX Indiana. I currently have a used XXXX XXXX XXXX I purchase from the used car lot, back in XXXX  I had the car for a few years. I keep up with the maintenance on my vehicle when it was needed. In XXXX  I had my XXXX XXXX so I figured I should XXXX back into the XXXX. So I travel a lot with my vehicle come XX/XX/XXXX, my family and I was traveling to the base for military duties, and after leaving XXXX XXXX for an oil change my vehicle Engine went completely out on the highway I feel embarrassed afraid and stressed out and Im still facing XXXX XXXXfrom traveling due to this incident. My husband and XXXX  XXXX  stay on the highway for 3 and a half hours waiting to get a tow. Once we made it home safely I XXXX a recall for my vehicle I found the engine for all XXXX was going out there was a major recall on them. I called to set an appointment for my car to be seen and get another Engine. Its been very challenging for us these past few months to get around. Today is XX/XX/XXXX, I havent got the new engine I have creditors calling me daily to pay my notes, however. I Suffer financially from our vehicle bed and I have them process it without it being repaired so I cant pay anything or anyone my husband does his best to pay for everything alone. Since I dont have transportation I send a letter to Capital one. Stating 15 U.S. Code 1692d - Harassment or abuse. I give them 10 days to respond by writing I still havent heard back from anyone. Ill like the car Repair to be removed from my credit also have my title and my down payments and notes I pay back in my hand for false information about the vehicle.The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

amount : {$8500.00} After finance amount : {$15000.00} Monthly : {$260.00}
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I overpaid the credit card {$9000.00} last XXXX. The account was restricted by Capital One. The case number is XXXX. 

I understand Capital One has fraud concern about these payments. I tried my best to work with Capital One to prove the payment was real, not from fraud transactions. I gave Capital One the statement from where the payment comes from, and did four-way calls to validate the owners of the accounts. 

Last week, Capital One said my account restriction was removed, and I'm asking the refund check from Capital One. They said they will work on it. I never heard back from them again. 

This week, I called again to Capital One, I was told the account was restricted again. The customer service told me I provided all the information Capital One needs, and they were still trying to remove my restriction. I'm so confused about the status of my account.
Consumer complaint received 2022-07-28
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: TD BANK US HOLDING COMPANY (FL)

While checking my credit report, I notice an account from TARGET/TD, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that TARGET/TD is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

On the XXXX XXXX I sent an international wire from my bank ( XXXX XXXX ) in XXXX to Chase Bank here in the XXXX. The money never arrived. XXXX sent me a receipt and charged me for the transfer. Chase stated it had never arrived. I have communicated with both banks at least half a dozen times to confirm by secure message and by phone. Both banks asking me to confirm with the other or initiate an investigation. This I have done. XXXX- " I can confirm that a trace was raised on XX/XX/2022 regarding the payment of $ XXXX that left your account on XX/XX/2022, and Chase Bank confirmed to us on XX/XX/2022 that the funds had been received and applied to the beneficiary account. The response we received stated We refer to our debit to your account dated XX/XX/2022 under reference XXXX for USD XXXX. Please be advised that the funds are credited to beneficiary on XXXX XXXXXXXX XXXX for XXXX USD under XXXX XXXX XXXX as per GPI tracking. This message is signed from the Payment Investigations department. 
Chase throughout maintain ignorance of the above notice and nothing has been received from XXXX into my account and the reference numbers I have supplied ( see note above ) mean nothing to them. I had a meeting in my local Chase branch in XXXX XXXX and conferenced with the wire department who verified the ref numbers I was supplying mean nothing, Both banks claim the responsibility is with the other bank. This is my pension money and although not a huge amount I can not afford to let it disappear and thank goodness it wasn't a large amount of my savings. What can I do as both banks are now just repeating their non responsibility. Are wires not insured in any way? What can I do please advise. XXXX XXXX.
Consumer complaint received 2021-01-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: INTERCONTINENTAL CAPITAL GROUP (TN)

I refinance my home loan in XX/XX/XXXX, and was mailed a letter by International Capital Group , Inc. ( the loan servicer ), stating that I was not required to make a XX/XX/XXXX payment since they sold the loan to XXXX XXXX in XXXX. I was contacted today ( XX/XX/XXXX ) by an attorney in the legal office of International Capital Group stating that they made a mistake in mailing me that letter, and if needed to pay it immediately otherwise International Capital Group could take legal action against me in court to extract payment for the amount of {$1500.00}.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX For Collection. My disputed account reporting on my XXXXXXXX Equifax and XXXX Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MS)

I received an offer for a credit card in the mail from American Express ( AMEX ). If I would return to them they would provide a statement credit of {$220.00} if I would spend {$2000.00} within the next 6 months. This was all that was stated on the face of the offer. I fulfilled my obligations and received the {$220.00} statement credit. I later cancelled the card. Immediately after my cancellation AMEX cancelled my statement credit and put a {$220.00} balance on my card. I began contacting them about this online on XX/XX/XXXX and disputing the reversal of my statement credit. I was told I would receive a response within 5-6 days. On XX/XX/XXXX I contacted them again. After several tries with several different representatives, I finally had a purported supervisor in XXXX tell me they were not going to honor the agreement and would not reinstate the {$220.00} statement credit because, in the fine print in the agreement that was purportedly online when I signed up, using the RSVP I had been sent, there was a clause that if I closed the account within 12 months they would rescind the statement credit. This was not on the face of the offer I received in the mail and I was not informed of this at the time I was cancelling the card. Or, of course, I would not have cancelled it. It is false advertising and mail fraud for AMEX to send me such an offer in the mail, stating an offer on its face, then claim later that there were additional rules and requirements contained elsewhere in a long online agreement.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I personally Called ( Bank Of America ) on XXXX XXXX to inform them that i noticed a transaction was done on my account that i had no knowledge of. I informed them of Account Withdrawal of {$15000.00} that was done from teller. Upon bringing this to their attention. I had to recieve new account information as well as have a new card sent out. Also my Current account went into the negative over {$1000.00}. Also Which i brought to their attention as well. I was connected to the Fraud Department all access to my account was frozen for my protection. I Have Recently under the rights of the Consumer process that within If the bank or credit union cant complete its investigation within ten ( or 20 ) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate.

In certain circumstances, however, it does not have to issue a temporary credit. For example, the bank or credit union may require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during the course of its investigation.

The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.

If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account. None of the following process has been followed as well as the process being reflected on my account or while this is being open.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

My account was recently compromised when my ex-husbands ( XXXX XXXX military ) bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX XXXX. 

In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. 

In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. 

In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. 

USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. 

USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. 

During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (PA)

my address on my report are wrong XXXX XXXXXXXX XXXX XXXX Ca XXXX i never lived in california alos this address XXXXXXXX XXXX XXXX XXXX. new XXXX XXXX XXXX the hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the sof inquires are as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX