davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one continues to report an incorrect balance on my credit report. Account XXXX shows a balance of {$1600.00} dollars which is incorrect. Balance should be {$0.00} since account was sold to a collection agency. I have provided verification that account was sold in XX/XX/XXXX. I 've complained to the XXXX and CFPB several times and Capital one continues to ignore my complaints and offer no resolution. All I 'm asking is for the balance to be corrected. This is an old charge off from XX/XX/XXXX i do n't see why you wo n't update the correct balance to {$0.00}? If not corrected immediately I have no choice but to sue capital one.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AL)

The State of Alabama incorrectly filed a XX/XX/XXXX lien against us in XXXX County, Alabama. After determining that our appeal was justified, they rescinded the lien back to its effective date of XXXX. Both XXXX and XXXX have repeatedly refused to acknowledge the lien as rescinded and have filed the lien as " Paid, Released. '' They plan to continue the documentation on our file until XX/XX/XXXX. This erroneous designation is negatively affecting our credit report, our credit score and our ability to secure a home loan.
Consumer complaint received 2015-06-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Timothy E. Baxter & Associates, P.C. (MI)

I understand that I do owe for the credit card, I 'm not denying that. However, when I called a spoke with a representative from the law office and explained that i am the only one with income. I told her I was willing to pay XXXX to XXXX dollars a month. She told me that was unacceptable. Next thing I knew they went into my bank account and took all my money. I have absolutely no money, no food,, light bill is due, car insurance, and other bills that I automatically have taken out of my account. I could understand if they took some, but, they left my account with a zero balance. I guess my question is can they do that?
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Check Bureau, Inc. (OH)

I was sued by XXXX XXXX. I do not know when. I talked to National Check Bureau about this, they collected the debt. XXXX says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NJ)

Rushcard has refused to release my money from my direct deposit for over a week now. I spoke to numerous reps and none of them have a answer on when i will recieve my money. This has caused a hardship for me and my family. Its my money and they have no right doing this. Please help me for my pain and suffering by loosing mote money by not being able to get to work.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I obtained an equity line of credit through Wachovia in XX/XX/XXXX. Wells Fargo Bank ( WFB ) bought Wachovia soon after and I received an transfer of the deed. I paid the loan off in XX/XX/XXXX the payoff went to WFB. There is a charge-off showing from Wells Fargo Equity for the exact same line I paid off. I can only assume all equity lines that were assumed through the buyout went to the Equity Dept of Wells Fargo whether the paid status was noted or not.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-12-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, 2015, Wells Fargo ( WF ) allowed the transfer of {$1900.00} from my business savings account to XXXX XXXX XXXX QuickPay without my consent. I realized the transfer occurred on XXXX when reviewing my balance and promptly calling Wells Fargo and initiating a fraud case. The information I received back on XXXX/XXXX/2015 was this was a XXXX transaction and I am required to dispute this within 24 hours. I had never heard of a XXXX and Wells Fargo did not explain that my accounts could be used for such transactions without my knowledge when opening the account. It took WF 2 weeks to get back with me with this information and they did not contact XXXX XXXX in that period and suggested I do so. I called XXXX XXXX and they said they could not do anything unless the WF fraud department contacted them. I informed WF of that on XXXX/XXXX/2015 and am awaiting a response. I am trying to run a small business and this has taken a large part of my time in the last several weeks trying to get recover my funds. I feel I am in a virtual loop between the big banks with no hope of resolution.
Consumer complaint received 2024-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (NY)

In or around XX/XX/XXXX, I took an installment loan from Sun Loan Company in XXXX XXXX Texas. In XXXX of XXXX, I lost my job at XXXX XXXX as a XXXX. I immediately called this company to ask if they could come to some kind of payment arrangement with me, as XXXX per month was a very high amount to pay. I was told " no '' by the Customer Service representative and was further advised I should " ask a family member for help, because I have a contract ''. After this phone call, this company repeatedly called me more than 3 times per day, asking when I would be able to make additional payments. I was unable to get the calls to stop until I threatened a lawsuit. Additionally, my credit reports were not being updated to show that this account was being paid every month. In XX/XX/XXXX I spoke with the District Manager and again asked for assistance because I was struggling to pay my bill. The Manager stated he would be unable to help me because " if they helped me out, they would have to help everyone ''. In XXXX of XXXX, I relocated to New York State. My change of address is on file with the post office. In XX/XX/XXXX, I contacted Sun Loan Company to inform them of my move, and ask why my credit report was not being updated. The rep on the phone stated since I was no longer in Texas " She can not help me '' and hung up the phone. In XXXX and XX/XX/XXXX, Sun Loan Company did an illegal skip trace and discovered I had moved. They have again started calling numerous times in a week.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (CT)

We bought a range online and were offered an option to use PayPal line of credit. We accepted and they approved for slightly more than the purchase price. 

They then refused to honor the credit line for that same purchase saying it was a new account so we needed to develop a history with them. 

The reps were unhelpful and acknowledged that this happens as " they advertise at point of purchase '' and then decide whether they will let you use the whole credit line. The supervisor, XXXX XXXX in the Maryland office was particularly rude and unhelpful. 

Locking the credit is ridiculous as they extended it specifically to buy this product and have now stuck us with an unwanted line of credit. If we close and get somewhere else it will impact our credit. It is a classic bait and switch to get us to open the credit line and then not let us use it or even appeal to a department in PayPal Security. 

Their reps and supervisors say nothing can be done. No one can take the security block off. They obniously have heard this complaint before. 

This is clearly a scam, funded by XXXX XXXX.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (OH)

I sent a letter to Midland Credit Management ( MCM ) on XXXX/XXXX/15 via certified mail asking them to stop contacting me via telephone. My letter requested them to validate the amount of the debt, the name of the creditor to whom the debt is owed, a verification or copy of any judgment, and proof that they are licensed to collect debt in the state of Ohio. I had received no prior written communication from this company and asked them to send me details on a debt they say I owe in writing only. The number they are contacting me on is a work phone number that I do not own and I do not use for personal business. Doing so is a violation of the agreement I have with my employer for it use. I received a reply from Midland Credit Management dated XXXX/XXXX/15 stating that they are unable to locate an account in their system for me and that additional information is needed. I was asked to send a Full account number, social security number, address or previous address, full name, and phone number. I could not provide them with an account number as I had received no communication from them with an account number or an original creditor. I also am not willing to provide a social security number to a business that states it has business with me but can not clarify what the business is. My address, phone number, and full name were provided in the letter I sent. Despite MCM claiming to not be able to locate a record for me, the calls did stop for a time. During this time I received no further written communication from MCM with any information regarding the debt they saw I owe. However, during the week of XXXX/XXXX/15, I began to receive several phone calls from an auto dialer sometimes XXXX times in XXXX day. I decided to answer the phone on XXXX/XXXX/15 as I was not aware of who the calls were coming from originally as the number being used during this round of calls is different than what was used previously. The represenative asked for me by name and stated they were with MCM and attempting to collect a debt. This was surprising as I stated before, I requested only written communication and had not received any response to my request for validation/verification. I provided the agent with my cell phone number and informed them I would call them back as soon as I was able. To which the agent responded that if they did not hear from me in 10 minutes they would call me.The agent also claimed that legal action was pending against me. As they called during the business day, I was not able to call them in a timely manner and they have yet to contact me again today.
Consumer complaint received 2015-07-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (OK)

A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; 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, XXXX XXXX XXXX - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-03-26
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (CA)

I started their program in XXXX of 2012. I believe they processed illegal advance fees, is association with the Law Firm Credit Advocates. 
XXXX XXXX Debt SpecialistXXXX XXXX, FL XXXX : XXXX Ext. XXXX : XXXX : XXXXXXXXXXXX entire fee schedule for Global Client Solutions and XXXX was paid prior to the settlement of the first accounts.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (CA)

In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid. 

Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-12-09
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MA)

I bought a ticket to an event at the XXXX XXXX festival that happened in XXXX NY in XXXX XXXX, 2015. Here is the event description XXXX I found out I was not going to be able to attend the event and I identified a woman ( friend of my father ) in NY who was interested in purchasing my ticket. We agreed on a price of {$45.00}, and that she would pay me via paypal. I sent her the ticket ( address in NY ) once I saw that she had submitted the money transfer. However in the subject line of the payment, she said, payment for ticket to XXXX, XXXX ( name of the event ) and now paypal is holding the money pending an XXXX investigation?? She has provided the website for the event and explanation that the transaction has no involvement with anyone in XXXX or any good coming from XXXX. This would seem to be a mistake that could easily be cleared up, but the payment was submitted on XXXX XXXX, 2015 and paypal still has n't released the payment to me. They will not give me a timeline for when the investigation will be complete or if they can simply not process the transaction and return the money to the sender. I do n't believe they should be able to hold my money indefinitely. This guilty by 'word association ' is bordering on ridiculous.
Consumer complaint received 2015-07-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (GA)

I bank with BB & T. I had a small overdraft on my account. Well a few days later that small overdraft turned into {$350.00} in overdrafts. From what it looks like they moved transactions that I know had already cleared my account and caused even more overdraft fees. They also moved things around to look like I had more money than what I had in the account and I did n't realize what they had done until it was too late and I had all of these fees.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (KY)

I just found out someone was billing MY XXXX Account XXXX years ago. 
I was receiving emails to my main email account stating that I was applying for mortgages. 
I 'm trying to nip this problem in the bud, but I 'm having a hard time getting the fraud alert off the ground. 
I tried filing a fraud alert, as per https : //www.identitytheft.gov/ but once I got to Equifax 's web portal, I could n't make any headway. 
They gave me a PDF file to mail in a form. Do they not trust me online?
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: EOS Holdings, Inc. (TX)

Calls are daily, but they never leave a message or respond when the call is answered. Someone sits on the open line and then later hangs up without a word. Calls have occurred before XXXX once on a Saturday morning and after XXXX once also during the week. 
Calls are daily, but they wo n't talk when answered or leave a message stating reason for call or person they are calling. No paper notice from this company saying why they would call me repeatedly either.
Consumer complaint received 2015-10-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

I took out a loan on XX/XX/XXXX, and made the 1st two payments on time. Since then I had to take XXXX Leave from my job to care for my spouse. I am no longer able to afford this loan, since I 'm currently not receiving pay. I have offered the Cash Store amount to settle but the agents are rude, and leave threatening messages on my phone.
Consumer complaint received 2015-11-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MD)

Had a credit card charged off XX/XX/2014, was sold to a collection agency for {$300.00} more than I owed. Midland Financial 's local counsel attempted to contact me via phone and mail at my father 's home, an address that was never associated with the credit card and has not been used in association with my personal or financial information for over a decade. He is in the early stages of dementia, and as a result phone messages get deleted, letters get misplaced, and when the collection company filed a civil suit against me XX/XX/XXXX he signed for and subsequently misplaced the summons. Discovered the summons in a pile of papers while helping clean his house, and due to the time frame between the discovery of the summons and the trial I opted to just pay the debt as opposed to attempting to mount a defense, since local counsel was not willing to negotiate for the same reasons. My credit report, drivers license, etc. all have my current address and phone number listed, I feel there was a lack of due diligence on the part of the debt collector, either by accident or design. It should be noted that I moved a little over a year ago from the address that was associated with the credit card and filed a change of address with the DMV and mail forwarding with the USPS. The original address and my current phone number were both on paperwork attached to the discovery section of my writ of summons.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.