davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management Inc. ( MCM ) notified me in XX/XX/XXXX that they were trying to collect an outstanding balance from my account with XXXX account for the amount of {$1800.00}. MCM informed me that the address on the XXXX card application was 15005 N.E. 6th Ave., # XXXXXXXX, FL XXXX. Thereafter, the credit card statements were sent to XXXX XXXX., XXXX, PA XXXX. I have sent MCM XXXX written dispute letters, with evidence, stating that ( XXXX ) I have never lived in Florida nor visited Florida anytime in XX/XX/XXXX or thereafter and, ( XXXX ) I have not resided at XXXX in XXXX. I previously lived at a different XXXX address but moved to my new home towards the end of XX/XX/XXXX. I also filed a police complaint with the XXXX Police XXXX. on XX/XX/XXXX to report this identity theft and issue with the XXXX. Since the police report was incomplete, the XXXX police department, is investigating this case again and helping me resolve the issue. Additionally, I have reported the disputed credit card balance and placed fraud alerts with the XXXX credit card reporting agencies. On XX/XX/XXXX, I again renewed my fraud alerts with the credit reporting agencies. 
Despite my letters and evidence I provided MCM, their XXXX Department alleges that they have not received any written communication from me disputing the outstanding credit card balance in my name. Note : MCM 's legal dept. also informed me that they have not received any of my disputed reports from the credit card balance from the credit reporting companies. Subsequently, they have subpoenaed my to appear before the XXXX on XX/XX/XXXX to contest the claim. 
Upon receipt of the subpoena, I called MCM 's legal department and its Consumer Support Services ( CSS ). MCM 's XXXX informed me that received reports of my dispute for the outstanding credit card balance from the credit bureaus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX also notified me that they have received my written dispute letters contesting the MCM claim. 
I had previously provided them proof of my previous and current address, records from XXXX city hall to show that I was not an owner of the XXXX address. I also sent them a copy of the police report. However, MCM has been harassing me and refuting receipt of any information from me. To ensure MCM 's receipt of this information, I will be sending them all mentioned proofs again, together with an FTC report. Please investigate MCM and advise any further actions
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion is reporting a collection on my credit report with XXXX XXXX in the amount for {$4100.00} for a XXXX account. This just appeared on my credit out of no where and I have never been sent a letter from them. This is only on TransUnion so it must be an error. Please validate and verify this account and then delete it form my credit report.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: KEYCORP (NJ)

Caller asked for a payment for a card I did n't open. I called my attorney and asked if I had this card ( he did a debt consolidation ) which he said no. I have the following info : Rep or caller name : XXXX XXXX XXXX XXXX XXXX XXXX Amount due {$3000.00} Card opened : XXXX XXXX XXXX Last Pmt : XXXX XXXX XXXX Card number XXXX I wrote the FTC who advised they do n't handle businesses. ref # XXXX
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

For years I have made numerous attempts to get Dept of EducationXXXX Navient to rectify the inaccurate information reporting to all XXXX credit bureaus pertaining to late payments on my students loans. Loan # 's 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 are all reporting as late for XXXX XXXX and XXXX XXXX. I previously spoken with representatives, supervisors and disputed with the credit agencies to which all resulted in findings stating the late payments were accurate. 

I finally was able to validate my accounts with a representative XXXX on XXXX/XXXX/XXXX at XXXX XXXX EST, employee code XXXX which she confirmed all of my loans were in a voluntary forbearance. From XXXX loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were in a voluntary forbearance and from XXXX loans XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX were as well. At no time were my student loans in a negative payment status for the time reporting on my credit report. 

I am requesting that you review my credit report, voluntary forbearance status and delete the negative payment history, which has been reporting negatively for years. The inaccurate information report to the credit bureaus XXXX and XXXX has negatively impacted not only my credit but also my life. 
I have made multiple attempts to have you resolve these issues and have been forced to file a complaint with the Consumer Financial Protections Bureau. 

I am asking since these loans have been consolidated that these accounts either be updated to reflect no negative payment history or they be removed from my credit report in its entirety.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

1 Tax Lien XX/XX/2015 not mine XXXX Tax lien XX/XX/2015 not mine XXXX XXXX not mine XXXX Specialized Loan Home Equity not mine
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX added services that I had not requested, did not use and refused to credit to my bill. 
I called and was given conflicting information. Asked to speak with supervisor and was told he was busy, but would call me back. I am still waiting for call. Received three bills from 2014 XXXX XXXX the XX/XX/XXXX. All were different amounts and said service would be cut off XXXX XXXX. Service was cut off last Saturday of XXXX. I have never received a phoned call or paper bill from XXXX. A collection for {$170.00} is now appearing on my credit report and I firmly dispute this claim. My credit score has been damaged going from over XXXX to XXXX, I am trying to refinance my home and it is hurting my ability to refinance. I feel like I am being extorted by XXXX and XXXX.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XXXX XXXX, 2016 I faxed a letter to TransUnion with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.
Consumer complaint received 2017-03-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: MORGAN STANLEY & CO. LLC (CA)

On Thursday, XX/XX/XXXX, I called and asked my account representative and the account supervisor to withdraw money from my account. I asked to withdraw {$8000.00} and to leave my annuity in place. I was told to speak with XXXX XXXX, Supervisor. He told me that Morgan Stanley did not want to do business with me. I asked him to send the money to the name and address on record and it was not sent. Two days later, I called XXXX XXXX to ask to pick up the check from a local location and I was told that the account was de-linked and that I had to wait. When I asked her how long she could not tell me. As of today, XX/XX/2017, I have not heard from Morgan Stanley and do not know when I will receive my money.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My mother, XXXX XXXX, opened a Capital One secured credit card with a credit limit of {$200.00}. My mother accidentally added me to her account as an authorized user. I called Capital One to remove me as an authorized user and to not report anything to any major credit bureau. The customer service agent and his supervisor assured me since the account was just opened and a first billing statement had not been generated that nothing would be reported to my credit. The other day I receive a credit alert informing me Capital One reported information on my mothers account that I 'm no longer an authorized user for.
Consumer complaint received 2016-10-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MN)

In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with citibank. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call citibank to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from citibank. two years later citibank took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
citibank have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
citibank has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-26
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear Sir or Ma'am : Please know that I am the executor of my mother 's will. Both my parents passed away within one and half years of each other. The house that my parents owned for almost 50 years was sold XX/XX/XXXX. Or so we thought. During the sale of the house, we were notified of a lien on the property that was never released. The lien is recorded in the XXXX County Registry of Deeds website under guarantee of XXXX XXXX XXXX XXXX. The release of the lean was never recorded. 
The lien is from XXXX XXXX XXXX XXXX, listed under XXXX XXXX XXXX, Document # XXXX, Book XXXX recorded on XXXX/XXXX/XXXX in XXXX County Registry of Deeds in Massachusetts. The lien is for XXXX XXXX XXXX in XXXX, Massachusetts. According to the information obtained on the Registry of Deeds, the lien is as a result of a home equity line of credit established in XX/XX/XXXX. A Home equity line of credit usually extends for a particular period of time until it expires. Please also note that there is no request for funds owed on a Mortgage of any kind for either my father or my mother. Please see page attached page from the XXXX County of Deeds website. 
Subsequently, XXXX XXXX was acquired by Bank of America. Bank of America was notified by our attorney XX/XX/XXXX, XXXX number XXXX of the non-release of the lien. As of today, XXXX/XXXX/XXXX Bank of America has not resolved the lien issue which is causing the buyer and myself unnecessary attorney fees. 
I would like to see a quick resolution to the inquiry. The lien should be released and recorded in order for the sale of the house. If the resolution continues then I would even like to see any expenses incurred for this delay refunded to the buyer and seller of the house due to the non-action of Bank of America. 
If you would like additional information you can telephone me at XXXX. 
Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC (AL)

this debt was included in my chapter XXXX case in XXXX, after my case was completed in XXXX XXXX decided to turn this account over to a collection agent in the amount of XXXX it is listed on my credit report status as in collection, I have called XXXX XXXX on numerous time about this account no result.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-13
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)

I tried to apply for credit and I noticed that I have damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2016-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation (WA)

I attended college, earning a XXXX degree back in 2001. I 've been making payments on my loans ever since with the exception of a couple periods of forbearance when I was having a hard time financially. It is now 15 years later and I am still making my monthly payments on time every month ( $ XXXX/month ) and my total balance is INCREASING due to interest. I can not afford to make bigger payments and every time I call the company, they will not help and threaten to take the money from my paychecks if I stop paying. I 've never threatened to stop paying. I just want the obvious problem fixed. I think that most of my loan could have been paid off by now. I have suffered immense stress over this issue. I can not save for retirement and every month that I make a payment is like throwing {$290.00} in the garbage. I feel that this is a case of predatory lending. PLEASE HELP.
Consumer complaint received 2023-05-13
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

This is a complaint about a change in the XXXX date of delinquency from XXXX XXXX with XXXX credit Bureau. The original XXXX date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the XXXX report dated XXXX/XXXX/XXXX the XXXX date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.
Consumer complaint received 2016-09-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc. (SD)

Company called ARA left a message on my phone stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I am saving the phone message.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a call from Capitol One Fraud department about an application that was opened under my name. I spoke with several representatives, none of which gave me any information on who opened the account. There was a savings account opened in my name. And a credit card application that was attempted.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have a Capital One savings account. I sent 4 checks to Capital One from another bank so the money could be placed in my savings account. 

XXXX {$9500.00} ( Capital One cashed the check ) XXXX {$9500.00} ( I stopped payment on XX/XX/13 ) XXXX {$9500.00} ( Capital One cashed the check ) XXXX {$4700.00} ( Capital One cashed the check ) All of the checks had my account number on the check as well as my full name. Capital One cashed three of the checks and I have images of it. I called and spoke with XXXX people at Capital One and the response was we don't see the money, we don't make mistakes and you'll have to figure it out ( open an investigation ) with the bank who sent the money. Capital One has stolen my money and won't admit that they have it. I opened an investigation with the bank who sent the funds for me and I even had the originating bank call Capital One with me and Capital One said " we don't make mistakes, we didn't cash the checks ''. I am working with my other bank to try and get my money back, but Capital One is not helping and I have proof they have my money. Their business practices are dishonest and I will be closing my accounts as soon as this is all over.