davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (MD)

ACCOUNTS ARE STILL ON MY CREDIT REPORT AACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

A credit in the amount of XXXX was issued from XXXX, my former insurance company, on XX/XX/XXXX.  The credit should post this week. Once posted, I need a check sent to me. Due to status of my account, I am unable to withdraw funds. The dept handling account works off a voicemail and does not return calls. Numerous messages have been left in the past, not one call returned. The balance on account is currently XXXX, not including credit in the amount of XXXX due to post shortly. I've called Capital One numerous times, referred to another department that only has a voicemail, as stated before. They do not return calls. I need a check sent to me for balance on account plus any outstanding credits.
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I have been locked out of my XXXX and Coinbase account for almost a month. 

They are holding around {$5000.00} in virtual currency value and said they would get a " specialist '' on the case almost 10 business days ago. They have failed to respond or update me on the case and I have not been able to access my funds for almost 1 month! 

Case Number # XXXX and # XXXX
Consumer complaint received 2018-03-05
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: AMERICAN EXPRESS COMPANY (CO)

I have had extreme difficulties in dealing with AmEx previously that were successfully resolved through the cfpb in XX/XX/XXXX. I was very happy with those results and felt that the outcome was very fair. However, when I had my credit score rechecked, AmEx now has deleteriously attributed a late payment from my husbands account to me. AmEx clearly states in their cardmember agreement that the primary card holder is the guarantor on the account and that any cards issued to other individuals are using those cards at the risk to the credit of the cardmember. I did have a card issued to me under his account back in XX/XX/XXXX although my card expired in XX/XX/XXXX. The payments in question are in XX/XX/XXXX. These charges and delinquency should never have been attributed to me and they have damaged my credit score. 

I just finished a complaint through CFPB where AmEx declared they did not have enough information to investigate the account. It seems that having had all of my information would have allowed them to see what accounts I've had and that the negative credit report attributed to me should not have been on there, but they closed the complaint without doing anything. My husband gave me his card and I am including my SS # so that they can complete this investigation. The number on the screen shot of the credit report is NOT an account number per the credit reporting bureau, rather it is a reporting number - they state that they are very careful to NOT include actual account numbers. It is a description of the account and the limit on the account. I am including a copy of my husbands card ( with his permission ), a copy of the screenshot of the credit report pertaining to this issue and my name and SS should be included as a registrant for this complaint.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

XXXX XXXX is reporting 180 days late on my XXXX credit report. This account has been paid off however they are reporting 180 days delinquent on mine report and that should be on my Ex husbands report not mine. I have a court signed judgement dated XX/XX/XXXX that states my Ex husband XXXX XXXX is responsible for all the debts of the martial home at XXXX XXXX XXXX XXXX, La. this Judgement was signed prior to the home going into late status XX/XX/XXXX. I have called Pennyman numerous times to ask them to remove this off my Credit. XXXX XXXX XXXX has sent numerous correspondence to them, and i have filed several disputes with the judgement attached and they are refusing to remove it. XXXX has removed this account and it is not showing on XXXX, it is only reporting on XXXX. However this is stopping me from purchasing another home for seven years. This account is pain in full and closed. I am asking for it to be removed off my credit. I was not responsible for the home when it went into late status.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC (KY)

I had returned a call from a robo dialer that I received on my cell phone ( in which is a absolute no no for collection agencies to call a cell phone from ). The lady on the other line did not ask if I was the right party only if I received the call at that number, she then proceeded to tell me of a debt that was owed for a apartment complex without proper verification. She did not give the Mini Miranda as required by the FDCPA either. This company has violated laws in accordance with the FDCPA, State and Federal laws First : Calling my cell phone from a Robo Dialer Second : third party disclosure Third : No mini Miranda was given.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BB&T CORPORATION (VA)

My name is XXXX XXXX XXXX. On XX/XX/XXXX my wife made a computer entry error, while making our lowes credit card payment. The payment was supppsed to be for XXXX but she made a mistake and put XXXX. We did not realize this until the morning of XX/XX/XXXX. XXXX couldn't stop it because it wasnt in pending status so we moved on to the bank for help. What a joke. My only resolution was to take all my money out of my account and let it overdraft. Now we also made to correct payments after the lowes bill one for sales in the amount of XXXX and one to XXXX  XXXX XXXX, in the amount of XXXX. Since XXXX was first it was going to hit first. So while our account is in negative we opted out for overdraft protection to try and fix this mess because that is what we were told to do by BBT. We have now accrued XXXX in fees that our bank just roughly said oh well, we don't care if you made a mistake or not. My wife and I have had to take longer lunches for this matter, call customer service on this matter and send a complaint to BBT, we haven't heard a response because their generetic turn around time is 36 hours. Very convient when we are talking about your hard earned money. I can undrrstand if we did this intentionally but we didn't it was a simple entry error. We have XXXX kids and this has put a financial burden on our finances. If we wouldnt have made this entry error we would be fine but since we did we are hurting. And you would think after banking with a bank over 16 years they would help. Poor customer service on their part. People makea mistake all the time we are human but when it comes to BBT all they want is your fees they don't care about your lively hood. We have got a reversal payment from lowes in the amount of XXXX that was delivered by fed ex today. We had XXXX from XXXX Virginia branch to fax a letter for lowes in order to get refund. We have also dealt with branch manager XXXX at XXXX vs and my wife has dealt with XXXX at XXXX Virginia branch. We deposited the XXXX check at XXXX today but they don't quickly apply that to your account they hold it til midnight. So once again we have a pending transaction trying to go through that will like I said put us at XXXX in fees. Something has to be done. This is not right for this to happen to middle class people that made a honest mistake and has done everything to try and fix this issue. My name is XXXX amd my wifes is XXXX
Consumer complaint received 2018-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

I made my monthly payment of XXXX directly at PNC Bank on Friday XX/XX/XXXX. The payment was due on XX/XX/XXXX. I received another one of their " so called '' don't lose your home attempts to extort more money out of me than is due. This is the second time in eight months I have had to report this PNC Bank stupidity to your organization. You have always helped me. It looks like this misappropriated my payment to someone else account again. They refuse to account for the money I have paid in the form of statements. They are crooks and should be jailed rather than handling home mortgages and home owners loans. from here on out. Their lie they can't do this because of a bankruptcy from eight years ago is unexcuseable now. They are a crumby institution. 
I want an accounting of every XXXX I have paid them and a statement every SINGLE month -Yours Truly Second time in eight months. How stupid can they be. As for the publish request below. PLEASE DO! And thank you again.
Consumer complaint received 2016-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (WA)

My credit record shows a charge due to XXXX, which I do not believe I owe. XXXX has said there is no record of me owing this amount, and the collection agency continues to ignore my repeated efforts to get information to learn what these charges are for. I am attaching the letters I have sent and have not been successful in removing this charge from my credit record.
Consumer complaint received 2017-04-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (SC)

LVNV has added a collection to my credit report that is not mine. I have not had a late payment on any account since XX/XX/2010 so there is no account that would be reporting late. This is a debt for over 3k that is not mine and I need deleted ASAP as I am trying to buy a house and I have zero late payments on my credit
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Account Numbers : XXXXXXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal for this account charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Thank you for your attention to this matter.
Consumer complaint received 2018-12-05
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: Experian Information Solutions Inc. (AR)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have been struggling with my mortgage company which XXXX is the  servicing company and Lakeview is my lender. They gave me hard time to short sale my house with them. As my agent had reported and got the offer to them. They took over 4-8 week to processing each single pieces of information they requested. They also keep changing mind on the offer. The property is never changed pending from XXXX XXXX XXXX ( XXXX ) as I instructed the agent not to do so. However, they never consider anything for my sale and pushing me to foreclose the house. Their information is not corrected at all as I have told them. They never want to help and just want to foreclose my house without any help
Consumer complaint received 2018-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Good Evening ; I just finally got off the phone with representative XXXX XXXX at First Financial Resources Inc in regards to a recent entry on my credit report account # XXXX on a debt that i don't owe to them. After 10-15 conversations with XXXX, she mentioned that the social security numbers on file are completely wrong and she said that she will escalate this issue to her supervisor. The only reason I found out about this issue is because i recently went to finance a newer vehicle and the finance manager told me that I have a {$9600.00} medical collection on my file and I became perplexed and stressed for the last couple of weeks.

I'm not 100 % sure, but this is a total violations of both state and federals laws especially under the provisions of FCRA and FDCPA. Because of this is the only negative item on my credit report, it dropped my credit score way below the mark and caused my recent finance interest rate to sky rock.
Consumer complaint received 2018-12-06
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. (CA)

On XX/XX/XXXX I reported to XXXX Experian and XXXX the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX XXXX dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

XXXX XXXX
Consumer complaint received 2018-12-05
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

There are two issues in my account that I tried to address with Capital One but I was not able to due to being transferred to multiple departments in their call center. 

The first issue is that I requested a credit balance refund check for credit of XXXX on the account and I was told they are not able to send it because their is a restriction on the account, I mistakenly over paid on the Capital One bill and wanted to get a refund for my funds. 

The second issue is regarding a dispute ; XX/XX/XXXX - XXXX XXXX XXXX  TUITION - T Other ... - XXXX - {$11000.00} After I made the dispute and before the dispute was processed. The merchant issued a credit on XX/XX/XXXX XXXX XXXX XXXX  TUITION - T Other ... XXXX - {$8600.00}. So I called to cancel the dispute with Capital One but Capital One still credited my account XX/XX/XXXX PURCHASE ADJUSTMENT Other XXXX XXXX. ... XXXX {$11000.00} for this charge I asked to be canceled. On XX/XX/XXXX ADJ-XXXX XXXX XXXX TUITION - T Other XXXX XXXX. ... XXXX - {$8600.00}, Capital One made this adjustment to the account, they also sent me a letter stating that they canceled the dispute because the merchant issued credit. 
However the issue right now is that the merchant XXXX XXXX XXXX is telling me Capital One took {$11000.00} back although Capital One stated they canceled the dispute. The merchant asked me to get a letter from Capital One confirming that they canceled the dispute. That is what I am requesting at this point.
Consumer complaint received 2016-12-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems (TX)

I discovered on XX/XX/2016, during a review of my FICO score, I had been placed in collection on XX/XX/2016 for a debt/account I have no knowledge of. Apparently, a debt collector by the name of Midwest Recovery Systems is attempting to collect on a fraudulently obtained payday loan. The loan, in the amount of {$720.00}, must have been obtained from XXXX XXXX XXXX through identity theft. I have never had any dealings with XXXX XXXX XXXX or Midwest Recovery Systems.
Consumer complaint received 2016-12-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Navient is calling my present and former place of work in regards to m debt. When i asked the representative what was discussed with my former and present employer she would n't go in to details about it just that they are verifying information. However, that is not the case. She threatened to hang up on me. Navient is calling obsessively 5 or more times a day. It 's harassment!! 



Navient representative below ( called occurred XX/XX/XXXX, at or around XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My checking account at Santander Bank was closed without any notice. I went to the branch and the woman told me that they can not reopen the account, and my direct deposit will be sent back to my employer. The employer receives nothing so I call back and they tell me that they have instead took my deposit for an outstanding balance of 55 days. I review my contract and there is no mention of this. The representative acknowledged they have n't sent any notice since XXXX. They simply waited for the next direct deposit and closed the account so I can no longer access the funds. It is a week before the holidays, I have bills due, no food and unable to survive until my next payday.
Consumer complaint received 2018-01-21
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. (FL)

XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.