davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XX/XX/XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. The account is currently still listed under collections and has an " open '' date of XX/XX/XXXX. It is also listed under public records as 'Filed ' but nothing indicating it as closed or paid in full. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.
Consumer complaint received 2017-09-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (VA)

In XXXX 2017 my wife and I received a pre approval letter through movement mortgage company. Then we shopped around and found XXXX XXXX XXXX that has done everything with our loan. Movement Mortgage is now preventing us from closing on our loan by threatening to sue XXXX XXXX XXXX so they wo n't close on our loan. We are supposed to close In 6 days but are being forced to use movement instead of the company that has done everything on the loan for us. We have been bounced around from person to person through movement mortgage ( total of 3 loan people ) and they should n't be allowed to carry on like this.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (TX)

Fraudulent invoices by XXXX  Alleged Date XXXX - XX/XX/XXXX & Amount - {$230.00} Alleged Date XXXX - XX/XX/XXXX & Amount - {$1100.00} Alleged Date XXXX - XX/XX/XXXX & Amount - {$13.00} Details - I received a 2 invoices for services my company never used. XXXX does not have a XXXX account. Never open or used a XXXX account. First FRADULENT invoice was for some international XXXX shipments in the amount of {$1100.00} and the second FRADULENT invoice was for {$240.00}. 
XXXX does not have and Never open a XXXX account and Never Shipped via XXXX, So XXXX should have never received these invoices. One of the FRAUDULENT has been sent to EGS Financial Care , Inc, which I also received a FRAUDULENT invoice from EGS with address listed at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX VA XXXX XXXX 

Action Taken by Me ( XXXX ) Contacted XXXX at XXXX and i was told they see the charges and a representative will call me back. This FRADULENT invoice Issue has not been resolved as of XX/XX/XXXX. These are FRAUDULENT invoices. XXXX has never open XXXX account and never incurred these alleged charges.
Consumer complaint received 2017-09-14
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. (CA)

XXXX XXXX, 2017 Please help me with Experian in delving into my Identity Theft and clearing all the inaccuracies on my credit report. 

I asked them to correct all the improperly listed types of residence addresses. Also, I requested that they update the incorrect versions of my name. Additionally, to check on unapplied for credit accounts. This took 4 hours of my time.
Unfortunately, a greater portion is still INCORRECT.
I am a victim of IDENTITY THEFT and they are NOT addressing my concerns. As a previous victim of Identity Theft, I am well aware of the WARNING SIGNS. 

I have attached a color-coded version to make it easy to understand the inaccuracies. 

Thank you in advance for your assistance!
Consumer complaint received 2016-09-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital one added on {$190.00} dollars to my balance and has raised my payment from XXXX to XXXX with no explanation at all they have received my payments. They refused to set me up an online account so I can have digital copy 's in order to extort an extra XXXX a month in unjustifiable fee 's. Their intention is to get me to default on my loan which makes no sense.
Consumer complaint received 2019-08-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

The loan in question, unfortunately defaulted. I had made payment arrangements with the collection agency after being threatened with a lawsuit. The payments now are being taken on a different date than originally agreed upon causing me to fall behind on more bills. I have Attempted on multiple occasions to reach them via telephone with no success. The collection tactics used were unnecessary. I was threatened with a lawsuit and advised that my employer would be notified of this issue. I was also threatened to be served with the lawsuit papers specifically at my place of business.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2016, I filed a 609 dispute letter with Experian via certified return receipt mail disputing the following items : XXXX Re : Acct # XXXX XXXX Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX I received a response dated XX/XX/2016 Re : Report # XXXX, stating that these items have been verified and will NOT be re-investigated. Despite my previous XXXX written requests, the above mentioned disputed accounts, these unverified items still remain on my Credit report with several inaccuracies between the XXXX bureaus. Experian has ignored my requests to provide me with copies of the documents that were used to verify the above mentioned items. Experian 's failure to delete these disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they have stated they have, and is also evidence of their willful disregard of Federal Law. Experian has clearly parroted information provided to them by other sources and shifted the burden back to me to contact the original Creditors which is clearly a violation of Section 1681 ( a ) ( 4 ).
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (MD)

On XX/XX/XXXX, I received a XXXX Form 1099-INT from The XXXX XXXX  XXXX informing me of interest income. On XX/XX/XXXX, I contacted the bank and spoke to a representative call XXXX. XXXX informed me that the account number listed on the form is associated with Chime XXXX Debit Card, and provided me with their number ( XXXX ). I contacted Chime and spoke to a representative named XXXX. XXXX was unable to verify my information for account access because the Subject is using a different email address and phone number, but used all of my information, including my social security number to open the account. I asked to be transferred to their fraud department, but was told they didnt have one. I asked to speak with his supervisor, but was placed on hold and no one ever picked up. I tried calling back and a recording informed me to contact the company at XXXX. I emailed the company and is currently waiting on a response. I requested the account be closed, the matter investigated and reported to the appropriate authorities. 

Thank you for your time and consideration. 

XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1700.00}.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One USA has been reporting to the XXXX credit bureaus that I have a credit card with a credit limit of {$10000.00}. Initially, I was not sure if this was my credit card account since there had not been any activity on it since XXXX. I requested a fraud investigation. Capital One requested additional information from me which I sent to them XXXX/XXXX/XXXX. They researched my account and found no evidence of fraud and placed a disagreement code with a resolution of dispute on my credit file. So I requested a credit card to be mailed to me so I can utilize the account and low interest rate. They refuse to issue me a credit card so I have no access to the {$10000.00} credit limit they are reporting is available to me.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXXXXXX 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
Consumer complaint received 2016-01-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (PA)

Complaint against buy here pay here dealership XXXX Byrider, XXXX PA for unethical business practices & fraudulent business practices that is targeting consumers with poor credit ratings & difficulty financing a vehicle such as illegal rigging of car mechanics in order to cause future issues that is targeting consumers that are already suffering financial hardship that hinders ability to purchase or finance a vehicle at other car dealerships due to poor credit rating.
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I filed a complaint that coinbase responded to but they brought up a completely different transaction than the one i was talking about. On XX/XX/XXXX i purchased bitcoin instead of coinbase crediting my acount with XXXX ... .... they deducted it and i was charged on my credit card XXXX dollars. Coinbase eventually took responsibility for their mistake after days of trying to speak to someone. they credited me back a XXXX ... XXXX when i should have been credited back XXXX ... ... ...
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a very harassing letter from Capital One, my mortgage company, demanding I show them proof that I have hazard insurance. I am trying to find out what they mean by " hazard insurance. '' Do they mean the insurance XXXX XXXX XXXX XXXX carries for the units? In the past, XXXX XXXX XXXX XXXX provided that information to me and I would forward it to Capital One. Besides being very harassing, the letter does not even give a final date that they will accept proof of insurance. The letter was sent through USPS, First Class Mail. Furthermore, no one signed the letter. I would like to have the best address to send a copy of this letter. I believe it is a scam.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

I have a secured credit card with USAA and when making payment for use available balance USAA allows for indefinite hold on payments as listed in their universal terms and conditions. If do n't agree with universal terms and conditions funds will not be released to hold on funds with secure card. 

Listed is their policy : When we credit Payments. Payments received by us before XXXX Central Time that meet the payment conditions in section XXXX and on your bill will be credited as of the day of receipt. Payments that we accept that do not meet these requirements will be credited within 5 days unless they require special handling. We reserve the right to withhold credit availability on any payment.
Consumer complaint received 2015-04-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA has sent me a check due to overpayment of escrow on my mortgage loan. I deposited the USAA check for XXXX and the check bounced/was an insufficient check and my bank charged me a fee of {$22.00} and now USAA has resent me a check for the {$21.00} but not the bounced check fee of {$22.00}. Please contact me concerning this transaction and refund my USAA account with the XXXX for the bounced check fee. I have attached a copy of the reissued check but USAA has not refunded my bounced check fee of {$22.00}. I notified USAA that I will be responding to the CFPB Consumer Financial Protection Bureau on this action immediately. Thank you. 


XXXX XXXX
Consumer complaint received 2017-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NC)

In XX/XX/XXXX, my husband and I filed for bankruptcy. We submitted all our debts to include my private student loan from XXXX XXXX. Our bankruptcy was discharged in XX/XX/XXXX. I  started paying my federal student loan and thought my private student loan was with the payment of my federal student loan. XX/XX/XXXX, I receive a call from a collection agency stating I owe a student loan and I should start paying. I informed the person, I had filed bankruptcy and the student loan was included and I have been paying what I owe on student loans. I requests the document the collection agency was referring on the student loan. I never received any letters or information for the collection agency. Late XXXX, my credit report shows I am in collections with XXXX XXXX XXXX XXXX XXXX ( PBCM ) for the student loan for XXXX XXXX. I called XXXX XXXX and the representative tried to find my student loan account. XXXX had acquired XXXX in bankruptcy and should have my student loan documents. XXXX has no record of my student loan. Then I call PBCM and spoke with XXXX XXXX and told her my student loan was part of the bankruptcy. She agreed to close the collection on XX/XX/XXXX and returned the collection to XXXX XXXX XXXX. I spoke with XXXX XXXX ( XXXX, XXXX ) to inform her my student loan was part of the bankruptcy and I had not paid anything on this loan since early XX/XX/XXXX. After completing some research, XXXX calls me back to say I still owe the loan since I never had an adversary hearing regarding the private student loan. I was being sent back to collection at PBCM. XXXX XXXX and I spoke again, I request the promissary note and supporting documentation that PBCM actually was allowed to collection the loan. I have not received any document and XXXX demanded that as soon as I receive the documents, I would immediately have to pay the entire balance of the private student loan of over {$14000.00}. I told XXXX I am not employed, I am an uncontrolled type XXXX XXXX  and my employment opportunities are very limited. I would be consulting an attorney regarding the private student loan. I have talked with 2 different attorneys and I recieved conflicting information. 

Has the statute of liminations for the state of North Carolina on non-payment of debt been met? I have not paid on this loan since XX/XX/XXXX and have a collection agency demand payment after more than 5 years seems unreasonable.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

IQ data international , inc filed a collection that I am not responsible for. Additionally, I do not know what apartment the collection is for as I rented two and the dispute is attached to neither apartments. I did not receive any communication other than the collection was a cleaning fee after it hit my credit. No one gave me time or the opportunity to settle this prior to collections. They say it was for a XXXX bedroom carpet cleaning fee and then changed the dispute for the laundry room. The XXXX bedroom did not have a laundry room. The XXXX bedroom was left in excellent condition. The XXXX bedroom carpet was due for a replacement to hard flooring as I had lived there over 6 years. I was given the opportunity to take the new flooring or to wait to have it installed after I moved out. Management said they change the flooring every 5 years. Since the carpet was to be replaced in the XXXX bedroom to hard flooring it makes no sense to charge a carpet cleaning fee. The laundry room damage was from the upstairs apartment washer which flooded twice. I do not know what apartment this debt is for and no one will tell me. I can not attach any files because I have not received anything that informs me exactly what the debt is for or what apartment it is for.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
1 XXXX XXXX  XXXX XXXX ACCOUNT # XXXX 2 ) WELLS FARGO ACCOUNT # XXXX 3 ) XXXX XXXX ACCOUNT # XXXX HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT OF PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON..
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A Civil Complaint was filed against me on XXXX XXXX, XXXX by Capital One ( USA ) N.A. with the District Court in the amount of {$4500.00} plus court costs at Docket Number XXXX. The disposition of that hearing was Judgment for the Defendant. A copy of the Award is attached. 
Capital One ( USA ) N.A. Appealed the Magisterial District Judge 's Judgment on XXXX XXXX, XXXX to the Court of Common Pleas at Docket Number XXXX, which an appeal hearing was held on XXXX XXXX, XXXX. The Court of Common Pleas again found Award for Defendant against Plaintiff, Capital One ( USA ) N.A. A copy of the Award is attached. 
Capital One ( USA ) N.A. did not appeal the decision of the Appeal from Common Pleas Court and their decision in the case stands. 
I had noticed XX/XX/XXXX that Capital One was still reporting their claim negatively to TransUnion Credit Bureau, which is attached. I filed a dispute with TransUnion and Capital One sent me a letter seeking additional information. I responded to their request on XXXX XXXX, XXXX. A copy of this correspondence and the Certificate of Mailing is attached. 
Last week I received a XXXX from Capital One indicating that " because they canceled or forgave {$600.00} or more in principal debt to you, we 're required by the IRS to send you a XXXX tax form. Since this matter was adjudicated against Capital One ( USA ) N.A., I contact them as to why I receiving the XXXX. I spoke to XXXX XXXX at the number that appeared on the XXXX for questions. She advised me that Capital One ( USA ) N.A. made a business decision to file the XXXX with the IRS and advised me to contact the IRS. I tried explaining to her that it 's impossible to for forgive or cancel a debt that was never owed. Additionally, I tried to explain to her that this matter had been litigated to finality and that Capital One did n't prevail in the litigation and offered to fax or email her the Appeal Award for the Defendant from XXXX County Common Pleas Court. She again explained to me, in a now rude and condescending manor, if I did n't like their decision, contact the IRS. I requested to be transferred to someone else that could further discuss this matter. She transferred me to XXXX XXXX in the Disputes Department. 
I explained to XXXX XXXX the purpose of my call and she placed me on hold for multiple minutes and then reinstated that Capital One 's position in sending the XXXX was that the case was withdrawn with prejudice. I offered her the documents in the case, but she declined since the information she had was from their legal department and they had every right to notify the IRS of this situation and they will not rescind or provide a corrected XXXX. 
It appears that Capital One 's actions are punitive.
Consumer complaint received 2015-03-27
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

Credit Collection Services claims I owe XXXX for an auto policy with XXXX XXXX. This policy was canceled prior to their cancel date of XXXX XXXX, a final payment was made before and should have brought the balance current and paid in full. They claim I owe XXXX, which is a ridiculous amount of money for a policy which I had already been paying on. I think the Liberty Mutual rep ( s ) I spoke with failed to cancel the policy when I first requested, however, the amount in question is still absolutely crazy and I refuse to pay it. The reason for canceling the policy is because the vehicle had been sold to XXXX XXXX XXXX, I no longer needed insurance on it.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid