davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Captial One bank USA N account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (MD)

Debt Collector called me from a private number. Would not verify who they were but told me I had a debt with XXXX XXXX XXXX for {$210.00}. I needed to pay immediately or they would immediately report me to the credit bureaus. Would not let me call the vendor to verify the debt. Would not let me verify who was calling me. Told me they sent me months of letters in the mail. 

However, the Vendor told me they tried to get ahold of me until the end of XXXX. So the collector only had it for a week or two and thus could not have ever sent me any correspondence about the debt. When I said I needed to verify they told me " Too late! '' and hung up on me. After verifying with the Vendor, I tried to call back and they either never picked up or hung up on me. I left two messages to call me back, and never received one. I called the vendor directly and paid the debt on XX/XX/XXXX. It is now XX/XX/XXXX, and the " delinquency '' just showed up on my Credit Report and was reported XX/XX/XXXX. I have the receipt, they would not call me back or pick up the phone, and marked the account delinquent while violating my rights to dispute, and threatened me with derogatory credit rating.
Consumer complaint received 2021-03-23
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. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXXXX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date XXXX Dispute XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (PA)

XXXX XXXX XXXX initiated contact with XXXX XXXX via email on XX/XX/XXXX with an attachment for a 1099-C form for BarclayXXXX. I, XXXX, the taxpayer, never received this form in the mail, and I have already filed my taxes for the XXXX tax year. Barclays is refusing to accept responsibility for this when I got them on the phone and asked them why I never received the form and why XXXX XXXX XXXX received it on XX/XX/XXXX, roughly a month longer than the deadline for taxpayers to receive legal documents in order to file their taxes. 

I wouldn't make any of this up, because I received two other 1099 forms which I happily filed with my taxes. One from XXXX XXXX and one from XXXX XXXX. Barclays claims they sent it out via XXXX on XX/XX/XXXX. They couldn't confirm whether they sent it to me, the taxpayer, or just XXXX XXXX XXXX, however. This is infuriating because this creates a mess for the taxpayer and quite honestly, if the company or individual responsible for sending the form can not, it should be their responsibility to deal with the after effects. I'm also contacting the IRS to let them know of the neglectful nature of this ordeal.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Our loan servicing company, Lakeview Loan Servicing, apparently refuses to change the billing address to our current address, the address of the loan, you know, so we can pay the mortgage on time. WTH!!!!!!! I believe this company may be run by criminals, and/or commies. Who else would run a company like this? And I do not care if covid is around or not, this type of disregard for people 's time is ridiculous. I should send the CEO of that company a bill for my time. This company is locked in with XXXX and they get 1 out of 5 stars, so beware, nepotism and cretinism in that org is rampant.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I've already reached out to my bank to report that I was scammed to transfer money in the total of {$20000.00}. I asked if they could help and recover the money since it was a fraudulent scam activity. However, my bank told me they wouldn't be able to help. The resolution I'm looking for is to report this and get my money back.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to XXXX XXXX because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on Transunion and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.
Consumer complaint received 2021-03-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OK)

Initiated refinance loan app XX/XX/XXXX. Paid {$470.00} fee to Amerisave on XX/XX/XXXX. Loan still has not closed as of XX/XX/XXXX. Very poor customer service I qualify for this VA cash out refi based on my great credit scores and income. I also have equity in my home. Amerisave was very quick to take my {$470.00} deposit to start the loan process on XX/XX/XXXX, and all requested documents were submitted within 30 days of starting the process. By early XXXX I began to inquire about the status of my loan and was told it was in queue waiting to be reviewed by underwriting. In late XXXX my loan originator XXXX advised me that locking a rate of 2.25 would ensure the loan would close in 30 days. I agreed to lock the rate and I am still waiting to close. Now Amerisave is not accepting my HOA CC and R documents and won't accept statements from my HOA administrator that I have no debt. I have lived in my home for many years and have done 2 previous refi VA loans with zero problems. But they stated my HOA documents dont meet VA requirements. Amerisave continues to bait and delay the process without justification.
Consumer complaint received 2021-03-24
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. (FL)

I am extremely upset! I was looking at my credit and there are accounts showing that are not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My engine in my car is ruined and I cant even get a new car because of this problem! Please help me and investigate this absurd problem.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
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: Nationwide Credit & Collection, Inc. (IL)

NCC has been mailing and calling me for about 4 months now. I sent 3 cease and desist letters and they still keep calling and mailing me. I even told one of the collection agents that I sent 3 cease and desist letters. She said she would make a note of it, but the collection activity continues.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (AZ)

As of XX/XX/XXXX, my student loans were paid off in full under the PSLF program. My lender at the time was Edfinancial and my loans were transferred several times to other servicers during the payofff process. Per my Federal Student Aid website, my loan balances are {$0.00}, however, as of XX/XX/XXXX, Edfinancial reported to XXXX that my loan balances remain. I disputed this with XXXX and provided the print out of my Federal Student Aid dashboard, indicating {$0.00} loan balances, because I attempted to contact Edfinancial on XX/XX/XXXX and they informed me they had not record of my account. So, id the loans were paid off and Edfinancial can not find my account. why are they reporting to XXXX that I have a loan balance on a new dispute opened XX/XX/XXXX? I am not debating my payment history, but the fact is that Edfinancial did not update all 3 credit reporting agencies of the loan payoff as required and still haven't. They have indicated they can not help me because they ' can not find my account '.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (PA)

Hello! Back in XX/XX/2020, I noticed that there was a collection account on my credit report. There was not only one, but two debt collection accounts from the same company. I myself do not know or understand anything about debt collections. But when I was on the XXXX credit bureau website. I went on and decided to dispute the debt collection company CMRE Financial Services INC on the website. XXXX  claimed that the debt was valid, but never sent me any evidence to support this claim. Being though I again, do not fully understand the whole thing about debt collection ; I went on and paid the debt collections, without any proof from XXXX or CMRE Financial Services INC. I have never even received an invoice or any documentation from the debt collector, about the accounts. My first contact with these accounts was when I looked at my credit report and seen these negative marks on the credit report. When I paid them off in XX/XX/2020. I started to receive multiple debt collection accounts from many different collectors. I knew now, that there must be some type of issues concerning my information. It wasn't until I received a letter stating that my Personal Health Information may have been exposed. I knew for sure, that all of these letters from various debt collectors were fraudulent. I have contacted CMRE Financial Sevices INC, to let them know that, the debt collections they issued me, was definitely fraudulent information. I know for sure, that I paid them under false pretenses. And that the debt they are saying belongs to me is simply not true. I sent multiple letters to XXXX  and CMRE Financial Services INC, by certified mail, asking them to reinvestigate the legitimacy of these debts owed to CMRE Financial Services INC. I'm a single mother and an essential worker for the USPS. All I ask is for CFPB to investigate CMRE Financial Services INC, and have them validate the debt that they are saying is mines. I have paid both debts in XX/XX/2020 in the amounts of {$700.00} and {$570.00}. I only ask for a refund and for the negative debt accounts to be deleted from the three credit bureaus. This saddens me, that people can put any type of information on consumer credit reports, without real physical proof of validation. This is something that needs to be changed and updated. I thank you, for taking the time to read my report and any info that you shall need from me will be provided. Thank you!
Consumer complaint received 2021-03-24
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. (IL)

XX/XX/2021 I notified XXXX XXXX XXXX now XXXX XXXX XXXX that there was an error on my account as I paid XXXX payment of {$450.00} on XXXX and I received notification that I was showing past due.I immediately followed up with XXXX/XXXX  indicating that I have the receipt showing my account was never past due 30 days. It was then confirmed that I was correct and that the problem was resolved. XX/XX/2021, I received an alert on credit report XXXX, XXXX, and Experian that I was reported late. I then contacted XXXX/XXXX  and spoke with XXXX XXXX to enter the dispute and it will be corrected immediately. On XX/XX/XXXX I received an alert that my credit report dropped 21 points due to this error still showing 30 days past due. I have left countless messages for someone to get back to me and today, left another urgent message to contact me and to no avail have I heard back from this creditor. Also, this has been going on since XX/XX/2021 first with XXXX XXXX who was to fix the problem and now XXXX who I have left a message for a call back. To date, I'm still receiving alerts that I'm past due. When they show payment received!
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC ()

I have opened an account with XXXX and funded it with money. Now I have been waiting for over a week for them to verify my account so I can actually use the money which I have deposited. Right now my money is stuck in the account and I simply cant do anything because they wont verify the account. I have email them a few times and just simply havent heard back from them, its simply impossible to get in contact with them!
Consumer complaint received 2021-03-24
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: Amsher Collection Services, Inc. (TX)

I checked my credit report and noticed Amsher Collection Service on my credit report. I immediately sent them a debt validation letter that was mailed on XX/XX/2021 asking for What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : On XX/XX/2021, according to USPS tracking, Amsher received my debt validation letter. It is now XX/XX/2021 and Amsher has not validated the debt nor has sent me any response. This collection company has violated the FDCPA
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/XXXX, I opened an account with American Express Serve in order to keep a prepaid card loaded with funds for a close family friend. 

XX/XX/XXXX, after over 2 years using the account in this way, American Express Serve XXXX & suspended my account. My attempt to resolve this with them was declined on the same day. 

Since then, for the past 5 years, American Express has emailed me almost monthly an email with the subject " Your scheduled transfer was unsuccessful ''. The email 's contents indicate that they still have my bank account information and are routinely attempting to draft funds from my bank account into this account. 

I have contacted American Express multiple times, most recently XX/XX/XXXX, regarding this issue. Their response is always the same. They say it is impossible for them to stop emailing me, impossible for me to log in to the account to disable this automatic draft attempt, impossible for them to delete my bank account information they continue to hold and attempt to withdraw funds from. Almost every month for 5 years I receive a notice that American Express is trying ( and so far failing ) to draft funds from my bank account into a cancelled account, and every time I talk to them I am told that I will have to live with this forever. After 5 years of reminders that American Express is holding my bank account information and trying to take money from it each month, I am filing this complaint.
Consumer complaint received 2021-03-24
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. (LA)

During XXXX XXXX XX/XX/2020, my mortgage company ( XXXX ) allowed forbearance, due to the pandemic. I was granted forbearance during XXXX, XXXX, and XXXX. In XX/XX/2020, I paid the past due amount and became current. I notice that my credit score was reduce because it didn't show that payment was received by my mortgage company during the months of forbearance ( XXXX ). I told XXXX  the reason I did not make the payments and they refused to add my credit score back to where it had been.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (MI)

Paid more then I owe, now they want to collect interest, Experience credit bureaus not doing their job, will not put your dispute in to the company, say call them yourself, why is experience ever still open if they dont take depute its more about how experience held deputes never send to the companies
Consumer complaint received 2021-03-23
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. (FL)

I am writing this message because I have disaster in my credit report. I have accounts that are not mine so I do not know how they appeared there however they are not mine. It's IDENTITY THEFT and I beg you to delete them because its not fair that I have damaged score because of identity theft.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Creditors Bureau Associates (GA)

I found out about this debt after getting my credit report. I contacted this company to validate the debt and they have yet to do so. I have not received the required information I asked for according to the FCRA and the FDCPA. I first contacted them on XX/XX/2021, and I didn't hear anything from them until XX/XX/2021, and they didn't validate the debt.
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

During a recent application for pre-approval of a potential loan, I was made aware of the " high balances '' reported in my credit report by all three agencies. Investigating the source led to the conclusion that Capital One was reporting incorrect " high balances '' on my two credit card accounts with them, and negatively effecting my credit score to some extent. As evidenced by the attached credit report and credit summaries, I have never had the " high balances '' stated for the particular time period of XX/XX/XXXX to XX/XX/XXXX. The credit report has the actual monthly balances reported by Capital One and their report of the '' high balance '' for that period. Their reported " high balance '' statements do not match their own reported monthly values. I submitted a formal complaint to Capital One due to what I perceive as an individual or potentially systemic error in their reporting of high balances. The Capital One complaint and their brief reply have been attached. They report a high balance of {$14000.00} when the actual high was {$5000.00} for my XXXX limit card. For my XXXX limit card, they report a high balance of {$4200.00} verses an actual of {$2900.00}. The card balances are paid in full each month. 
If these numbers are correct as they have replied, please state the month in which they occurred! How are their reported high balances computed?