davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patrick K Willis Company Inc (TX)

Calls several times. Called in XX/XX/XXXX but have a voicemail saved from XX/XX/XXXX at XXXX. Uses the name Investigator XXXX XXXX and states he is an investigator and If a debt is not paid he will issue an order to have me arrested at my place of business unless I pay immediately over the phone. He has called and stated he was an officer and gave a false badge number. I called the police and asked if they do that and they stated no, they would not arrest someone for debt at work but, also, would not give badge number and threaten over the phone. I different number is used each time. The last time it was XXXX but stated to call back XXXX. I have spoken to this person and they scare you to pay immediately or they will have officers come to your place of business and arrest you onsite.
Consumer complaint received 2018-07-27
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. (MI)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX  Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.
Consumer complaint received 2018-07-27
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. (MI)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on my credit report.

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX COLLECTION Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item.
Consumer complaint received 2018-07-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

I contacted XXXX XXXX XXXX on XX/XX/XXXX to discuss a claim application after I had been the victim of a hit an run by an unknown driver. I then was advised that my insurance was canceled due to non payment of my account. I was shocked because I had enrolled on the automatic payment program as they advised and have been ever since my policy commenced. I have spoken with one of the insurance company 's ' representative who informed me that they have tried to take the payment but could not because the funds were not available. I immediately contacted my bank XXXX XXXX XXXX XXXX who states that XXXX XXXX XXXX only taken one payment of {$140.00} on XX/XX/XXXX. In fact XXXX XXXX XXXX had not taken any payment from my account since the first payment scheduled XX/XX/XXXX and instead reported to the bureaus that I was in default of {$70.00}. My bank provided me with a detailed print out of my statement of account for my checking and savings account which are both linked and have been in credit of over {$7000.00} for since XX/XX/XXXX continuously until present. We, both my banker and I are perplexed as to how this company can give the explanation that the funds were not available in my account for withdrawal. I have attached a print out who will also attest that there has been no attempt by XXXX XXXX XXXX to draw from my checking account as listed on my agreement XXXX.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I sent a request for validation to DIVERSIFIED CONSULTANTS for the they claim I owe them, they received my initial letter on XX/XX/2018 and they also received my 2nd letter dated XX/XX/18. I have not gotten a response or resolution for this issue which is affecting my personal credit. As of XX/XX/18 DIVERSIFIED CONSULTANTS has not replied. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it from my credit reports but he chooses not to. Please help and thanks for your review.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (MD)

XX/XX/18 -- I submitted a complaint regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX College. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My XXXX XXXX GI Bill covered this tuition in full. I do not owe XXXX College or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately. 
XX/XX/18-XXXX XXXX from XXXX XXXX XXXX responded claiming that these debts were not paid for. Attached to XXXX XXXX 's response were my account ledgers showing payments and 0 balances, PROVING MY POINT. I will attached these ledgers to this complaint. 
XX/XX/18-Sent proof of payment letters from the VA to Mr. XXXX at XXXX XXXX XXXX after several phone conversations. He assured me the letters from the VA confirming the payments were being uploaded in the system for the manager to review. 
XX/XX/18-Still no resolution so I am now submitting another complaint which will provide the aforesaid documentation from the VA and XXXX XXXX XXXX showing the tuition was paid for. By the way, I am submitting the ledgers from XXXX as I received them, inaccurate file names and all ( they seem to have confused me with a recently deceased actor, XXXX XXXX. But the document itself has my name correct once you open it ).
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

From XX/XX/XXXX until XX/XX/XXXX fraudlent charges have been made to my accound that were not authorized. 44 purchases containing over {$5000.00} were not authorized my by me. 

My bank Ally has determined that I have authorized these purchases. 

There is no possibly way i could have made these purchases.
Consumer complaint received 2018-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX - XXXX of XXXX I have bank statements to prove that i have been paying my mortgage ontime and in full every month. 

I am not sure how this happened. Chase knows that i am trying to refinance my mortgage and is purposely reporting me late so i cant leave them. I Know I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (TX)

I have contacted CBA ( Collection Bureau of America ), multiple times via mail and telephone to inform them that I have never had an account with XXXX XXXX  or given anyone permission to open an account in my name with this comapny. I have also disputed this information with XXXX, XXXX, and XXXX. I have sent them proof of my identity, proof of social security number and proof of my address and asked them to stop reporting this information on my credit reports as the account does not and never has belonged to me. I have asked both XXXX XXXX   and CBA to provide a copy of the contract or credit agreement that I signed and to date have never received this information from them.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

Attention Mr XXXX XXXX : Today I called into Barclays XXXX customer service and inquired as to having a hold released from a payment that was made 2 days prior. I needed to have funds made available immediately as I had automatic bill payments coming to this account that wont be paid. The payment was for {$5100.00}. Ive had this account open for a year and they still continue to inconvenience me by holding my ELECTRONIC payments. Ive paid over {$15000.00} to this account this month. Ive never had a late or returned payment. This is unacceptable how Im being treated! This has happened several times before and they would usually call over to my bank XXXX XXXX, verify payment posted with them and immediately make funds available. Today, I spoke to a condescending representative named XXXX who refused to resolve problem in any way. I was denied to speak with their credit department. After repeatedly asking to be transferred to someone else, I was transferred to a manager Mrs XXXX  who when asked, didnt know who the president of this bank was. This is hilarious! A manager who doesnt know the President of the company that she works for. Ive attached a screenshot showing payment already posted to XXXX XXXX  account.
Consumer complaint received 2018-07-28
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: CITIBANK, N.A. (CA)

Upon receiving a print out of my credit report I found that Sears/CBNA was reporting an active account as current with a balance of {$6600.00}. I reach out to the fraud department at Sears. I told the Sears representative that I never applied for credit and that the account should be closed and removed from my credit report asap!!!!. I was told that the account would be sent to the department that handles those matters and that if in fact it was a fraudulent account they would close the account and remove it from my credit report also I would receive a letter with in 10 days stating the outcome. four months past and nothing was done so I printed another report on XX/XX/18 and the account still shows as active with the same balance. I reach out to Sears fraud department again on XX/XX/18 and after spending all day on the phone they couldn't produce any evidence like sing application, or photo Id. Sear could not proof or give me any answer as to how they open and account without verifying my identity or information. They told me that the only thing they could do is remove my name from the account and that would be all they could do for me. I requested for the account to be erased and removed on its entirely from my credit report.
Consumer complaint received 2018-07-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/XXXX the following complaint was filed ... This XXXX  XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. USAA has been asked to correct this inaccuracy. XXXX and XXXX  have also been notified to correct the false information but have not. Company responded on XX/XX/XXXX. " In your submission, you indicate the XXXX XXXX XXXX XXXX ( XXXX ) account XXXX is paid in full and not open or in a payment plan. You indicate USAA, XXXX, and XXXX  have not corrected this as requested. You ask USAA to report the account as paid and closed. In XX/XX/XXXX, USAA contracted a joint auto loan ending in XXXX for you and Mrs. XXXX. On XX/XX/XXXX, we received notification of a Chapter XXXX bankruptcy filing for you and XXXX XXXX. On XX/XX/XXXX, the loan was charged off for {$13000.00} in keeping with our procedures for debts in bankruptcy that have had no payments in 60 days. From XX/XX/XXXX, to XX/XX/XXXX, multiple payments totaling {$13000.00} posted to the loan, paying it off. '' My question is, " If the loan is paid off, why can USAA not report the loan as " paid '' and " closed ''? Why does USAA continue to obfuscate? The facts are plain to see, the loan is paid and should be reported as " paid '' and " closed ''.
Consumer complaint received 2019-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I wanted to get my XXXX  license, so I applied and was accepted into the Program. I needed financial help so I applied for a SallieMae student loan in XXXX and borrowed $ XXXX@ 2.5 % interest. I graduated from the program in XXXX and six months after I graduated I started repaying my loan in XX/XX/XXXX at {$130.00} as requested, in XXXX of XXXX SallieMae wanted {$260.00} a month which we paid until XX/XX/XXXX. We believe that the loan should have paid off in XXXX. We had been struggling to meet bills and could no longer meet the bills and we lost our home in XX/XX/XXXX. I received a job as a XXXX  in XXXX, in XX/XX/XXXX SallieMae filed a garnishment on my wages at 15 % of my earnings which they received {$1000.00} according to the facilities records and the garnishment continued till XXXX totaling {$43000.00} garnished from my pay, I also paid in {$830.00} in XXXX & XXXX. We moved back to XXXX   and I returned to work at my former job in XXXX and paid in {$1500.00} in XXXX, in XXXX SallieMae garnished my wages for {$1200.00} They refuse to provide a copy of the original loan agreement or to account for my payments and the garnishments they have taken. In XXXX Navient, SalliMae 's collection agency recieved {$1500.00} from our tax return, we believe that we have over paid on this loan by {$53000.00}, we ask for your help. We have contacted SallieMae and The US Department of Education and XXXX at XXXX XXXX XXXX, none will produce the original loan agreement or account for the Payments and Garnishments made on this loan, they also say that I signed a loan agreement with them in XXXX which I did not, and we have sent numerous letters demanding an accounting of this loan and the original loan, which is my right.
Consumer complaint received 2018-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (FL)

Someone hacked my XXXX and XXXX account. I did not make the purchases. I poke to XXXX and was told it was fixed and I would not be liable for the charges. I have now received a letter from a debt collector stating if I do not pay I will have a judgement on me.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 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 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, Equifax, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX , Equifax , XXXX with no updates yet.
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, XXXX, Transunion.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX  , XXXX , Transunion with no updates yet.
Consumer complaint received 2019-02-27
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. (OH)

I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Consumer complaint received 2018-07-28
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: AMERICAN EXPRESS COMPANY (CT)

A dispute was filed for charges including two XXXX transactions on XX/XX/XXXX,  amounts of XXXX and XXXX. Additional charges from another merchant, XXXX of XXXX XXXX, were resolved directly, without any help from American Express as they denied claim for all charges. Items from XXXX remain unresolved, I've spoken with numerous XXXX reps, was advised to dispute charge with American Express and that they have not received any charge back or thereof from them. It appears American Express had done nothing at all to dispute any of the charges, just flat out denied the claim without investigating. I believe they merely verified billing address with merchant ( s )  and considers that enough to deny claim, which is unfortunate as they will continue to receive complaints until credit is issued. XXXX will not reimburse/refund charges, they refer me back to American Express. As you can see, the two banks have me bouncing back and forth, neither party has provided any proof these charges were authorized, which they were not. XXXX XXXX XXXX replies on behalf of American Express, this person has never shown any evidence whatsoever that XXXX transactions were authorized by myself or that I received anything from the merchant.