davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

In XX/XX/XXXX, Midland Funding, LLC. filed suit against me in the XXXX XXXX XXXX for the XXXX XXXX XXXX for an alleged {$4600.00} debt. I hired an attorney and we filed a Peremptory Exception of No Right of Action. In court the Plaintiff failed to produce documents between the defendant and original creditor and a complete chain of title of the account beginning with the original creditor. On XX/XX/XXXX the court issued a Judgement on behalf of the defendant and against the plaintiff with prejudice. 

On XX/XX/XXXX, I filed a dispute with all three credit reporting agencies and provided copies of the Final Judgement as well as other court documents. Around 30 days later I received responses from all three credit reporting agencies stating that Midland Funding LLC, had verified the reporting of the debt. 

I don't understand how Midland Funding LLC can sue me in court, loose and still verify a debt that the court has ruled does not exist.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

FALSE STATEMENT AND ATTEMPT TO COLLECT DEBT WITH WRONG PERSON XXXX said i had an account with account number XXXX and as of XX/XX/2017, they said i owed {$160.00} between XX/XX/2017 and today. 

I called them and said that's not possible because i started residing in US on XX/XX/2017 and when i arrived here my first operator was XXXX XXXX XXXX not XXXX. They got the wrong person. None in their customer service can't fixed this. They just reported me by increasing the debt to {$210.00}. 

I CUT THE LETTER ATTACHED TO DISPUTED BUT IT RETURNED TO ME. NOBODY LISTEN OR TRY TO FIX THIS MISTAKE. I CAN'T PAY FOR SERVICES I DID NOT USE. 

My phone number was XXXX and i started using it on XX/XX/2017. They are charging by error from XX/XX/2017 which is the period that i didn't have XXXX and also was not in XXXX XXXX XXXX XXXX 

Also, i joined XXXX around XXXX but not on or before 2017. So how is it possible that i owed XXXX? 

I want XXXX  to correct this information and clean my name. 

They must found the exact person. Is very unprofessional. I asked them to tell me when i joined XXXX they just ran away. 

I called the collector EOS CCA and XXXX but no success. 

Thanks.
Consumer complaint received 2022-07-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

I am contacting you again as a taxpayer you are pretty XXXX worthless to us if you just let the bank give us the same XXXX after 45 days which is what you did ... .the flagstar is stealing from me and this scam is right in front of you and my XXXX government protection must be in bed with flagstag because you clowns are like yeah ok flagstar XXXX you ... merica ... the government protection is just flagstar ... ..XXXX  tell me something and i am suing you XXXX
Consumer complaint received 2021-01-22
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: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEM INC placed a collection on my XXXX report illegally. The company has never contacted me or sent me a 30 day dispute letter. Furthermore I have never had any accounts with Transworld or the creditor XXXX XXXX that they have listed. This account does not belong to me and should not be on my credit report.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was charged to my Capital One Savor credit card in the amount of {$110.00} on XX/XX/19 with a charge showing as XXXX XXXX XXXXXXXX. I contacted Capital One ( CO ) when I saw the charge on my account to let them know that I did not authorize or recognize the charge. They temporarily credited the amount to my account and they claim to have conducted an investigation. They claim that the credit card was physically present at the time of the alleged transaction and that that makes me responsible for it. They charged the amount of {$110.00} back to my card on XX/XX/19. On the day of the original fraudulent charge I was in XXXX, XXXX flying home to the United States. The charge says XXXX XXXX on it, but I have never in my life been in XXXX XXXX. CO has been unable to provide me with an address and exact time that the card was allegedly charged. I cant even find an establishment with a name that matches any part of the charge name that is in XXXX where I was on XX/XX/19. CO does not have a receipt of the transaction, they have no signature from me ( or anyone else for that matter ) for the transaction, there is no itemized information about what the charged alleged service or good may be, and there is no name of an individual at the alleged establishment that is known. Honestly I dont even know if there is a human being associated with this charge on the other end and it seems like CO has no idea if there is either, and yet CO is still asking me to pay for it. I reviewed all other charges from my trip to XXXX and I recognize all others as authorized, but this one I did not consent for and do not recognize. I know for a fact that I did consent to any individual purchase of over {$100.00} on the day that I departed from XXXX. Furthermore, I did not have the credit card in my physical presence and eyesight the entire time I was in XXXX ( XX/XX/XXXX-XX/XX/XXXX ). I handed the card over to merchants on several occasions for them to run it through for other charges that I recognize ( like for a dinner or gas ). So, it is possible that at some point a person that I gave my card to then charged my card for an unknown and unauthorized charge unbeknownst to me. Also, I never received a written letter from CO stating the results of their investigation. They say that they mailed it but they didnt provide any delivery confirmation and I am still waiting for this correspondence today. In summary, I did not authorize this charge or receive any further details about the alleged merchant associated with the charge, and therefore I do not believe I should be held responsible for paying for it.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be  removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

last week the Coinbase app kept failing my ID verification for this reason I cant use it for trading, therefore I cant take my money out, I called the customer support and after been in several calls one of them for more than one hour they didnt resolve it and keep repeating that I dont know how to set up a new password. I have sent my ID via email PDF attached with the three images requested and they refuse to validate it or fix the app, they also refused to believe me I am not receiving their emails to change my credentials to log in on browser I insisted they must have my email or devise blocked but they dont want to contact their IT department to fix it, or escalate and just keep repeating to me that i need to look for the email in my spam folder, they dont want to debug their app and are holding my money illegally for not letting me have access to it, I provided the verification they requested and still no resolution or access to process transactions
Consumer complaint received 2021-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (CA)

I am due a refund of {$450.00} that they said it was mailed to my correct address on XXXX XXXX 2021 and it will take 10 business days to arrive. It has been over 11 days now and still no check. They wont let me talk to accounting directly and I have spoke to XXXX and XXXX from the Resolution Dept. I explained to them i paid with my ACH Account ending in XXXX and they had no problem taking Payments out even before receiving goods. They said they will send another check and it will take another 10 days. I insisted in over night XXXX XXXX and they refused. Very poor service and money transactions. They use I will email the other department and wait for there response and get back to you. Not Acceptable!!! I should be paid interest on refund.
Consumer complaint received 2023-06-01
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. (WI)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2019-11-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

My husband called company, PHH Mortgage, on XX/XX/2019 to get payoff amount & paperwork to take the lien off of our home through the home equity line. That person said they would mail all the paper work & such within the next week. In the meantime, we received our regular monthly bill which had our pay off amount listed @ {$600.00}. I paid them {$600.00} on XX/XX/2019. For some unknown reason that payment was placed in " suspension '' for 1 month. On XX/XX/2019, I spoke with XXXX who stated she would take care of the problem & she did not know why the payment was placed in suspension. On XX/XX/2019, my husband spoke to XXXX, who said paperwork releasing the lien & signing off the loan had been faxed to us. However we do not have a fax so we know that was impossible. We told XXXX the payoff date would be no later than XX/XX/19. On XX/XX/2019, my husband spoke to XXXX for 20 minutes & got no resolution so he was transferred to a manager,  XXXX, who said he would investigate & call my husband XX/XX/19. Never called. In the meantime, we " accrued '' an additional {$3.00} in " finance charges ''. I have NEVER had to work so hard to give a finance company money!! From XX/XX/XXXX until XX/XX/XXXX, & we still haven't received lien release or confirmation of additional {$3.00} we paid due to their delay!
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 my car was repossessed and that day I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( chase ) without my permission and then the chargeback was denied the next day. The loan company, XXXX XXXX XXXX, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both XXXX XXXX XXXX and Chase countless times and neither of them state that they have the funds.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AutoNation Enterprises Incorporated (CA)

I bought a new car from XXXX XXXX dealer back on XX/XX/XXXX of last year. At the time I was pushed to sign the contracts by their finance manager, XXXX XXXX. Last month the car was totaled and Im not at fault accident and when the insurance company went to pay off my loan I found out that they only gave me {$1000.00} for my trade-in instead of {$11000.00}. I have tried to contact the dealership and work it out they Are non-cooperative. They said it was my fault. I signed the contract. I dont want to accept the payment for the accident because if I do, I have no recourse Im going back to try to get the correct trade-in value of the car that I turned in a XXXX XXXX XXXX that was worth {$14000.00}
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AARGON AGNCY (XX/XX/XXXX
Consumer complaint received 2021-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted XXXX  and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed
Consumer complaint received 2023-06-01
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. (WI)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION