davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

To Whom It May Concern, I am submitting this formal request/complaint regarding the accuracy of reporting of my monthly payments to my Barclays Credit Card, account number XXXX ( the Account ). I have received and reviewed my current credit report. The pay history reported on the Account, reflects a Delinquent 120+, current late date of XX/XX/XXXX 150+, six times 90+ days late, 1 time 60 days late and 1 time 30 days late. My monthly payment is a monthly auto draft from my XXXX  XXXX XXXX checking account number ending in XXXXsee attached ). As the payment history reflects, I have made timely monthly payments to my account for at least the last 13 months ; I could prove more if needed. It is obvious that I have not been late with my payments at any time. In addition to the incorrect payment history, there is {$15.00} charge, which I do not owe, but recently paid in an attempt to close out this issue and fix my account history.. This gross error in reporting has caused a substantial negative impact on my credit score. I have contacted Customer Service, to no avail, to rectify this situation. I am in the process of refinancing my mortgage and unable to move forward due to the derogatory credit reported on the Account. This inability to refinance my mortgage will cost me a substantial amount of money in interest charges. I am therefore submitting this written request/complaint to rectify this situation and demand that the correct pay history, on the Account, be reported to XXXX, XXXX and XXXX   immediately. 
Best regards, XXXX XXXX XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

PORTFOLIO RECOVERY # XXXX, # XXXXI have a a unverified account from PORTFOLIO RECOVERY. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Consumer complaint received 2018-02-09
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: EQUIFAX, INC. (NC)

Equifax is reporting a fraudulent account on my credit file. XXXX XXXX # XXXX is a fraudulent account that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the account from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this account was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the account.
Consumer complaint received 2018-02-09
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: JPMORGAN CHASE & CO. (IL)

I called Chase to report fraudulent charges on my credit card statement that were from XXXX car rental in XXXX on XX/XX/17. I was never in XXXX and reported the charges to Chase on XXXX occasions. I also had them replace my card with a new one and new number. Chase has not done a thing to remove the charges and i have been tranfered from dept to dept. The total charges are {$1500.00}. 
I also want to note that I recieved fraoud alerts from chase via email and text and replied to them as well.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

After initially telling Transworld Systems , Inc. that I was in the process of disputing the claim with my insurance provider, they called a few more times, but were not pushy after I explained what that I was still working through the process with my insurance provider. Then, upon the final decision by my insurance provider, I tried to go online to the site and with the registration # provided to me in the letter from Transworld. The website address was correct, but when I tried repeatedly to enter my registration code and information, the message that I had an invalid registration kept popping up. I used 2 different computers and 3 different web browsers and still never could log in to pay the bill. I called 2 different numbers provided by Transworld for help logging on to pay the bill. They were never helpful about my login issues and kept pushing me to pay over the phone and kept saying they'd send a confirmation letter to my mailing address. I knew from reading complaints on the CFPB website that those letters often never came. I want to pay it in full, online, so I can print out the confirmation page myself to turn in for my HRA account. These conversations happened Friday, XX/XX/XXXX. The amount owed is {$2000.00}. As it stands today, I still can not log on and pay my bill using the information they've provided in a letter and over the phone. I want to pay the bill and I can pay the bill in full, but I will not do it over the phone as I do not trust this company. I will pay online where I can print out proof of the payment. The first person I spoke with was not helpful regarding my log-in issues and just kept pushing me to pay online. I hung up and called another number and that person at least tried to tell me he'd " reset my registration code and that it should work now ''. The new code he gave me didn't work either - it seemed he just made it up on the spot - and then he kept pushing for me to pay online as well. Again, I do not want to give my credit card information over the phone to this company. I will pay online only.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CT)

I memorized my statement closing date which is the XXXX of every month. I am livid that I paid my account down and they reported a balance of {$500.00}. My credit took a hit which I can not afford at this time. I've worked so hard to get it to where it is. I call and I speak to a representative that told me my payment had to be in by XXXX. At first he said he'd see if it could be changed but then followed by saying you need to talk to the credit bureaus. That's not true. Navy Federal has to change it since they are the reporting company. I asked to be transferred to a supervisor so I spoke to XXXX and explained my situation. She stated the payment had to be in by XXXX so here 's misinformation. I've had this card almost a year with no problems like this at all and at no time did they ever say a payment had to be in by a certain time. I did not make a payment on the XXXX. I made sure to call in on my statement closing date. The representative never advised me that the payment wouldn't go through a day later. This should not be taken as an oh well, XXXX it up situation. I have taken my credit card account very serious since i've had it and have NEVER had a late payment.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at Equifax. I received notice from equifax that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
Consumer complaint received 2018-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In reference to CFPB case noXXXX and Bank of America case no XXXX. 
BOA has deliberately refused to address my dispute. This dispute has been going back and forth until present. The bank responded to a dispute that has already been resolved, and irrelevant or illegitimate documentation has been submitted to cfpb. The dispute about the cancelled ticket from XXXX XXXX has already been resolved. The tickets were used the following year ( XXXX ). Again my dispute is a charge of {$7300.00} on my card dated XX/XX/XXXX for a PURCHASED round ticket for XXXX from XXXX. I did not or ever purchased a ticket on the said date. I did not acknowledge any purchase of such and never received a MERCHANDISE. I can not stress that enough. I am therefore requesting proof of purchase and merchandise delivered for that payment. That is what BOA should have requested from a merchant before paying money out. Merchants should not charge to please themselves because they have a consumer 's card information on record. To avoid legal fees and any inconveniences, I want this to be settle amicably. I can not not stress that enough, that the charge on the card dated XX/XX/XXXX was not a cancelled transaction but a claimed purchase by the merchant which is in dispute. So for BOA to send a mail out indicating the rights of a merchant to operate business independently and set cancellation policies is preposterous and not holding for a charged item. The bank can not pay any money out to any individual or company without my concern and inform me to take it up the merchant when there is a fraud.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

Hello - XX/XX/XXXX - At the advice of my tax advisor I prepaid my XXXX real estate taxes due to XXXX XXXX for my property located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX / PARCEL ID XXXX. TRACKING # XXXX XX/XX/XXXX - XXXX XXXX deducted {$2800.00} out of my XXXX XXXX account for the payment of the XXXX real estate taxes. 

XX/XX/XXXX - I spoke with Ditech Financial ( XXXX ) customer service to inform them that the XXXX property taxes were paid in full and inquired as to the procedure for requesting an escrow analysis and subsequent refund as my escrow account is significantly over funded. Much more then one-sixth ( 1/6 ) of  the estimated total annual disbursements from the escrow account. Customer rep at Ditech provided a fax number of XXXX to send a request for analysis. 

XX/XX/XXXX - Drafted and faxed letter to Ditech along with my supporting documentation. Fax confirmation came thru and is attached in the PDF. 

XX/XX/XXXX - Receive letter from Ditech via US Postal Service dated XX/XX/XXXX denying request for escrow analysis.
Consumer complaint received 2018-07-26
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. (AL)

Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and proof i was late on these accounts under Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One venture card was closed due to non-usage. I had over {$12000.00} credit limit with a XXXX balance. I was given no notice the closed my account but when I called Capital One today, they told me that they had sent me a letter in the mail in XXXX which I never received. I received an email 2 days ago, stating that my account was closed but when I further checked into it I noticed that they didnt give me cash credit for over {$460.00} worth of rewards. When I called the company to complain, they said there was nothing they could do for me that I was forfeiting those points that I received due to purchases over the many years that I was a capital one cardholder. Thi is why I am filing the complaint.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. Bank accounts have been opened using my personal information by committing fraud.I am not responsible for any charges made to these mentioned accounts.According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies.  Thank you for your assistance
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to  obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX  and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (MI)

XXXX XXXX released information about me to XXXX XXXX. I have not given consent orally, written, or verbally for this company to sell information about me. I have not received any report to inspect for accuracy nor have I received a notice to opt out of this service. I applied for a car for my household and was denied because of them. I was unaware this was even legal seeing how credit is extended without discrimination but this has not been my experience. I am requesting the information that was released to XXXX XXXX.
Consumer complaint received 2018-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I tried to dispute charges on my BANK OF AMERICA CARDS with the following companies XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. I paid these companies a combined total of {$27000.00} on my Bank of America Cards. 

I paid these ( 3 ) companies a combined amount of over {$63000.00} for services that were never provided as was described to me, that is the reason for this dispute! 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who falsely led me to believe that I would achieve substantial earnings by signing up with them. 

They were to Create a custom website, Market and add over 20,000 products to my website creating exposure and guaranteed traffic flow. In total I have paid them thousands of dollars for nothing except leave me with a worthless non- functional site. Instead I have been left with severe debt because of their false promises. 

It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (AZ)

I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Recovery Services (NV)

called my work phone on XX/XX/XXXX and XX/XX/XXXX from a XXXX Service number XXXX trying to verify information for me to pursue legal action left number of XXXX then proceeded to contact my husband 's cell phone immediately after calling my work phone both days. We have ignored all calls, but its a scam and harassing. Based on what I can find on the internet I have no idea if they have called other family members.