davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX Federal Trade Commission Consumer and Governmental Affairs Bureau Consumer Inquiries and Complaints Division XXXX XXXX XXXX, XXXX. 
Washington, DC XXXX Re : XXXX XXXX Plus Four ( Refuses to accept any correspondence or delete the discrepancy ) To whom it may concern : I am respectfully requesting an investigation be initiated on my behalf on the above-mentioned company, specifically Plus Four Inc. I have on numerous occasions sent correspondence, thus was refused by Plus Four Inc., made phone numerous telephone calls to both of the named companies and they continue to report false information on my credit profile. 

I have been continuously harassed by this company as they are trying to collect on a medical bill when I had medical coverage on the dates of services they have provided. My Health Plan Insurance provider has also been in contact with the initial medical provider, and thus as per the attached correspondence the medical provider has noted a {$0.00} balance on my account. 

Plusfour has been notified on several occasions from the original creditor to delete any and all discrepancies and they have refused to do make ti proper corrections/deletions to date. 

Although, I have continuously informed the referenced collection agency of this they continue to harass and demand payment and refuses to accept any of my written correspondence or the direction from the original creditor, XXXX XXXX. 

I have also written all three credit bureaus, and XXXX, has been the only agency that refuses to accept my evidence and delete from my credit profile. 

I am hopeful that you can assist in getting this resolved and removed. I thank you for initiating this claim and taking the time to assist me in rectifying this issue. I would also like to initiate and exercise my rights to collect the fees ( {$1000.00} per occurrence ) as per the FCRA of not removing when I first requested on XX/XX/2019. 

Regards, XXXX XXXX XXXX cc : XXXX XXXX PlusFour Inc. ( Refuses to accept any correspondence )
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

There is a XXXX XXXX business account that used to be reporting unto my personal profile but was eventually deleted after disputing it. Suddenly on XXXX XXXX, it was reinserted to my profile without notice decreasing my score and putting me at risk.
Consumer complaint received 2024-11-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Affirm Holdings, Inc (TX)

As you may be aware, the IRS requires lenders to provide a 1099-C form for any cancellation of debt over {$600.00}, and I would like to ensure that I have the necessary documentation for my records and tax filing purposes.

Please send the 1099-C form to my address listed above or to my email address at [ Your Email Address ]. If you need any further information or documentation to process my request, do not hesitate to contact me at [ XXXX ].
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020, I opened a checking account and deposited a {$300.00} check drawn off of XXXX XXXX. I was told that a 1 business day hold would be placed on the check and {$200.00} would be released and the other {$100.00} would be held for an additional day. I expressed that I need access to those funds and I could easily cash the check if the hold was going to be longer. I was assured by branch personnel that the hold would not be long. At approximately XXXX XXXX  after business hours, I received a hold notification stating my check would not be released until XX/XX/2020. I called the branch the next morning XX/XX/2020, and was informed that the hold was placed because the check could not be verified. I advised the branch that the bank was a small community bank in XXXX and they could verify the funds verbally. I was told that Bank of America does not verify funds verbally. However, the branch manager stated that she would look into this situation and get back with me ASAP. Additionally, I expressed to the branch that I detrimentally relied on the information and had I known there would be an extended hold I would have just went to XXXX XXXX  and cashed the check. On XX/XX/2020, I called Bank of America 's customer service and spoke to several members. I was told by a manager of customer service, XXXX, that there was nothing that could be done regarding the hold. The hold would still be on the account and that the check could not be returned to me because it was already processed. Also, I was told that the check would not be released earlier. The manager advised me that even though I was told the check would be released after 1 business day, I should've know the check was going to be held longer because that information was stated in the 70 page disclosure handout given to me when i opened the account. In this instance I feel that Bank of America 's banking practices are deceptive and misleading and the information regarding my check violated Texas consumer laws. As stated earlier, I relied on the information the branch provided to my detriment and suffered dearly.
Consumer complaint received 2020-02-10
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: JPMORGAN CHASE & CO. (HI)

On XXXX XX/XX/XXXX I submitted a dispute with JP Morgan Chase regarding a credit card I had open with them. From XX/XX/XXXX through XX/XX/XXXX over {$14000.00} in charges were made on my account for XXXX Purchases that I did not make or authorize. I attempted to handle the issue through XXXX and XXXX before submitting my dispute through Chase. I followed all the requirements of the Fair Credit Billing Act in that I submitted a written request detailing the fraudulent charges. Although some charges were made outside of the 60 day window I did not become aware of them until XX/XX/XXXX. Initially Chase removed the charges from the account, but then they were added back on. The first written communication I received from Chase regarding this was sent on XX/XX/XXXX stating my fraud review was completed and the charges were found to be valid. I protested and received another notice stating this again on XX/XX/XXXX. Prior to this no other written communication was made or received by me from Chase. I believe this is a direct violation of the FCBA and in accordance with that act I should not be held liable for these fraudulent charges.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In according to federal law this company XXXX  XXXX XXXX, has violated my rigths, According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), 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 2020-02-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WSFS FINANCIAL CORPORATION (IL)

In response to my last complaint, Wilmington Savings Fund Society FSB, as Trustee of XXXX XXXX XXXX XXXX A denied all responsibility for the unwarranted eviction actions filed against me, shifting the focus to XXXX XXXX XXXX , XXXX ( Response Letter dated XX/XX/XXXX ). Yet so far, I have received motions asking the courts to extend enforcement of one of the wrongfully entered Eviction orders with Wilmington Savings Fund Society FSB named as Plaintiff. The motions are dated for XX/XX/XXXX and XX/XX/XXXX ( Motions are attached ). The evictions were filed under seal and are not viewable by the Public, and this is what deters most attorneys from assisting me in this matter. They complain that they can not research my case from their office. At any rate, Wilmington Savings Fund Society FSB, in concert with XXXX/XXXX  are falsely representing to me, the courts, and to the world that my Property has been transferred to a Third Party Purchaser. They did not, and can not provide any proof of an actual sale. XXXX/XXXX  didn't have a legal or equitable right to sale, transfer, or even foreclose on my Property. The Department of Justice found XXXX 's Foreclosures between XX/XX/XXXX and XX/XX/XXXX to be unauthorized. And XXXX XXXX XXXX XXXX, the non-bank subsidiary used to file the first 2 evictions in pursuit of void debt failed to execute the wrongfully entered possession orders filed with XXXX County Sheriffs XX/XX/XXXX and XX/XX/XXXX. Now the basis of these corporations ' claim is the unlawful quitclaim recorded XX/XX/XXXX. Their suits violate the Venue provisions of the federal Fair Debt Collection Practices Act and other actionable elements under the Act ( See 15 U.S.C. 1692i and Section 1692e ( 12 ) ). And they are a continuation of XXXX 's violations of State Consumer Fraud, the False Claims Act, and the FHA. State and Federal prosecutors successfully prosecuted XXXX and its related entities for the latter. My property is not subject to the unidentified trust agreement or unidentified sale that XXXX and Wilmington would have others believe. The underlying anti-consumer loan was securitized into XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, the unlicensed loaner never had a lawful lien attached to my Property in the first place, nor did its successor XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-07
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. (AR)

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I reviewed everything and there was several unknown inquiries and accounts that certainly did not belong me. I pulled my credit and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$2600.00} OFFICE OF THE ATTY GEN XXXX {$0.00} US DEPT OF ED/XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$230.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$910.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX  XXXX {$420.00} XXXX XXXX {$680.00} XXXX/DEPTPFED XXXX {$7100.00} XXXX XXXX A XXXX {$270.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-02-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TN)

Debt reported to both XXXX  amd XXXX  credit bureaus on XX/XX/2020. I have never had any payday loans because I have good credit. I also do not use checks and havnt used them in years. Also. NEVER heard of these places or recieved ANY correspondence of any such debt. NEVER got ANY notification of any such debt. It is NOT mine. I only have a valid XXXX  drivers license for identification and have only been licensed in the State of XXXX so no other identifi cations from any other states. This is NOT my account.
Consumer complaint received 2020-02-07
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. (NC)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-07
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. (OH)

XXXX  ; Experian and XXXX  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX  XXXX XXXX and XXXX XXXX XXXX. ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The issue has been ongoing sense XXXX. I was re-call to XXXX XXXX after XXXX and XXXX until XXXX. During this time frame I requested from Bank of America to reduce my interest to 6 % vs 6.5 % which was never done ; in exchange they credit me back once a month what they figure to equal an .5 %. From day one of this account I have always paid bi-weekly this was taken into consideration nor do I believe the calculation over the year equate to change the interest rate as stated in the Soldier 's and Sailors Civil Relief Act. 

I have researched to find that Bank of America was involved with an class action law suite regarding the SSRA during this time frame ; which I was not inform of at that time. 

Please help me receive the credit to my account that I have service to country for! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2020-02-07
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. (CA)

I AM A VICITM OF IDENTITY THEFT, I HAVE REACHED OUT EQUIFAX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE ALSO REACHED OUT TO THE CREDITORS AND ACCORDING TO THEM THEY HAVE MY FTC REPORT AND THEY HAVE NOTIFIED THE BURAU BUT EQUIFAX REFUSES TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-01-14
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. (UT)

XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I called this company numerous times in the last 2 years. I contacted the hospital they claim to represent, and the hospital stated that I have no debts to them at all, and any bills I had were paid in full and closed. I NEVER ONCE received any information from this company about this so-called debt, or I would have disputed years ago, back 6 or 7 years ago, they claim this first occurred. I only found out about this because my credit score went down, and I was shocked to see this on my report. Every other agency ( XXXX and XXXX ) have recently removed this debt, not only because it was not mine, it was also permanently removed because from what I was advised of because it " aged off '' so I am no longer legally tied to it, is what XXXX  and XXXX representatives explained to me. they stated that all other agencies should have it removed as well. When I advised the company of this nothing has been resolved, and they keep putting this closed acct on my credit report, which legally should have never been put on my report in the first place. I have gone to the police department to file a fraud report as recommended by TransUnion to go along with my dispute. I just want this company to remove this off of ALL MY CREDIT BUREAU REPORTS and leave me alone. And stop trying to illegally get money on something that has nothing to do with me at all. I pay all my bills, all bills with hospitals I had to attend have been closed and paid off for years. I am beyond sick of this with this company. Their attempts of bullying and threatening me to paying a debt that is not mine is illegal. They have tried threatening me with continuing to ruin my credit by refusing to remove their information even though I advised them it is not accurate, the agent claimed she could have a " deadbeat like me arrested '' if you look at my credit report ALL MY BILLS ARE PAID ON TIME, I NEVER MISS A PAYMENT!!! She claims if I just gave the money, they would go away. This is illegal, I want them removed from my credit report IMMEDIATLEY!!
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One constantly sends me credit card offers in the mail, for years, I have never once considered taking them up until I recently wanted to start building my credit. I applied with them and was denied, I still receive a ridiculous amount of offers in the mail and want it to stop. It is spam.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed two vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX  details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
XXXX more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Consumer complaint received 2020-01-13
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. (GA)

This company is refusing to remove inquiries I did NOT authorize. Although I may have  some open accounts with some of these companies, I did NOT authorize the inquiries on the dates shown on my report.