davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (WV)

I received a telephone call from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 informing me that I had a debt with them in the amount of {$1700.00}. I am unaware of signing any type of agreement or owing XXXX XXXX XXXX XXXX XXXX any debt. Therefore, on XX/XX/2018 I mailed XXXX XXXX XXXX, XXXX a validation letter describing all the information I was requesting for said debt. The certified letter was received by Midland onXX/XX/2018. I then received a generic letter asking what information I was requesting. As you will see the request for information is clearly stated in the original letter I sent them dated XX/XX/2018. The company also included a statement from XXXX XXXX XXXX. Due to the fraudulent practices of XXXX XXXX XXXX I do not know that this is truly a debt of mine that is due to them. I checked my credit report today XX/XX/2018 and they have a derogatory account on my record. I would like this to be removed if they can not provide me the validation of this debt. I have no proof this is legitimate. I also requested in the validation letter that any bad marks be removed from my credit report. I greatly appreciate your assistance with this matter. 

Thank you,
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a credit card amount with Chase in XX/XX/XXXX, after living in the United States for three months ( I am a XXXX XXXX by birth, but have always lived overseas ). On XX/XX/XXXX, they suddenly closed my account with no notice. I called their customer service that same day to understand what was happening, and they said they couldn't access that account, that the team working on it had frozen it and wasn't working that weekend. 

I called again today, XX/XX/XXXX, and was told that despite always paying my balance in full, for over a year, Chase had reviewed my account and closed it since I did not have enough credit history, although they opened that line of credit for me when I had absolutely no credit history at all. They did not warn me, there were no emails or notices on my online account, and I had to spend half an hour on the phone just to understand what was happening.
Consumer complaint received 2018-09-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMK Investments Inc (IL)

I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with All Credit Lenders that has provided hundreds of thousands of dollars in restitution for consumers across the state.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXXXXXX XXXX. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my second request to remove this Bankruptcy from XXXX XXXX. From my credit report reported in XX/XX/XXXX. XXXX and Experian please remove or provide proof this is my debt. I have lived in XXXX XXXX  Nevada since XX/XX/XXXX. Here is my Nevada ID '' s from XX/XX/XXXX to XX/XX/XXXX .There is no way I lived in Alabama and XXXX XXXX at the same time. I am requesting again to please remove. This is indeed fraud.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transations or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I tried to get my credit report from Equifax, XXXX but Im having trouble getting into my account and creating one on XX/XX/year>. 
I tried to open a checking account on XX/XX/year> and they told me that there are multiple consumers associated with my social.
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY ()

I opened my checking account with TD bank branch on XXXX XXXX XXXX in XXXX, NH on XX/XX/2018 as a non resident. The bank closed my account on XX/XX/2018 without any warning. I tried to log in online and all my credentials were denied so I emailed the store supervisor named XXXX XXXX inquiring about what was going on and her answer was that they closed my account because they needed additional information from me but could not reach me with the phone number I provided. She claimed that they called me 5 times and left voice messages though I haven't seen any missed call or voicemail. They did not send any official mail to the address I provided when I opened the account to let me know they needed more information or use my email address that they have to let me about the issue. I feel abused and confused as to why they closed my account this way and I haven't done any suspicious activity on my account or harass any of their employees. The only transactions I've been doing are either buying things online or in a store or transferring money from my XXXX account to my bank account.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I traded in my XXXX vehicle for a XXXX vehicle. I had loan on the XXXX through CapitalOne XXXX XXXX. The dealership ( XXXX XXXX XXXX XXXX ) I purchased the XXXX sent in two checks to CapitalOne to pay off the remaining balance of the loan. The first check, for {$7100.00} was voided by the dealership, but was processed by CapitalOne on XX/XX/XXXX. A new check was overnight delivered via XXXX  CapitalOne received this check and the funds were processed on XX/XX/XXXX, but it was not applied to my account. CapitalOne released the title of the vehicle ( which has since been sold ) and has not released the debt on the XXXX vehicle, and is still trying to collect payment. 

In speaking with a person on the CapitalOne Resolution Team named, XXXX, on XX/XX/XXXX, it was their opinion that the issue was CapitalOne received checks on two consecutive days. One check was cancelled and the other cleared, but a mixup occurred in clearing the debt.
Consumer complaint received 2018-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA. 
This financial institution repoed my vehicle window they were not supposed to. two different phone calls from their managers approved me for an extension during this time. During this time was Hurricane Harvey and they took my vehicle anyway. My struggle within is they had left the amount of {$15.00}, XXXX installment loan on my credit report to pay back. I have spoken with them numerous times made many phone calls and debates About the amount. They had agreed for me to only pay {$2.00}, XXXX to be released from this installment dispute that I have with them. But the amount of XXXX, XXXX Still Remains on my credit report and it damages me to receive any other type of loan or financial help whatsoever. As I had mentioned to this company that they had taking my vehicle after approving me two different times life extension they released me of my vehicle without justification other than stating I was legible for a repo. This was at a very unfortunate time of my life and family life with this being the only vehicle that this household had. just suffering from this financially and XXXX has drawn a lot of extra problems to this family and household. I'm still in debate with him on the final about a 2000. I do not believe that I owe them a penny for illegally repoing my vehicle after approving me two different times for an extension. Their words were I was not approved for a disaster opportunity. 
As I try to get myself back into another vehicle because of the damage of my credit they seem to be the only potential financial institution that could Finance me. But even on the simplest they don't like knowledge what they have caused and what they have done and they will not approve me even for the simplest auto loan. This is a very hypocritical company and I need this to finally be taken care of by the consumer federal government thank you!
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

TSI/XXXX has been reporting that I owe {$660.00} to XXXX XXXX however, that account is not mine. The bill that I received for that account was in the name of XXXX XXXX. I am aware of my rights under the Fair Debt Collection Practice Act and know that it is illegal to report a debt that is not owed by me under my social is illegal and considered reporting inaccurate information and must be removed immediately.
Consumer complaint received 2018-09-20
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (PA)

I had all my loans consolidated with the Department of Education many years ago. Everything has been just fine and I've been making monthly payments all this time. 

Two weeks ago I receive a call from a company called Radius Global Solutions ( formerly XXXX XXXX XXXX ) they said that I owe money to a school called XXXX XXXX XXXX. I told them I never attended a school by that name. She started to ask me personal information such as my social security number. I told her I didn't feel comfortable processing the call because I felt it was scam. I haven't been in school in over 12 years and there is no possible way I owe any school any money because everything is consolidated. She said it was a in-house loan with the school for {$1500.00}. I asked her why I am just now being contacted over 12 years later. She did not have an answer for me. 

Two weeks later I got a letter in the mail from Radius Global Solutions. They are offering me to pay {$1100.00} to completely close this loan for a lesser price. The fact that it took two weeks for the letter to come was fishy to me too. 

I looked into who the Creditor was XXXX XXXX XXXX. They own a lot of schools around the country. I attended a school called XXXX XXXX School in XX/XX/XXXX. I did not complete the course due to unsatisfaction with the school. Almost all of the students were unsatisfied and the school ended up closing just 9 months later. The building stayed abandoned for some years. Many years later a new school was put there called XXXX XXXX. XXXX XXXX is listed as one of the school 's on XXXX XXXX XXXX 's website. So I'm assuming this has something to do with XXXX XXXX School.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc (TX)

I have a debt with XXXX XXXX XXXX XXXX that is current. I have been paying since an ER visit in XX/XX/2017. I have made two payments a month and the hospital has accepted the payments and credited my account.

I have never heard of XXXX : Contact XXXX   Telephone : ( XXXX ) XXXX Without any communication they reported me to the credit bureaus for a debt in collection.

I have proof that I've paid this debt.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint to your company because there is a late payment on this account ( XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (NC)

Pursuant to the Truth in lending act ; The Truth in Lending Act ( TILA ) of 1968 is a United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. I was denied a extension of my own credit without proper disclosure. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

I have expressed this US Code with the agents of chase bank and they both still denied overturning the decision. I also explained that a FICO SCORE has nothing to do with a Consumer credit transactions. As the Grantor/Beneficiary of The Estate " XXXX XXXX XXXX '' makes me the Alive Natural person whom is the original creditor that has the rights to extend his credit as a consumer credit transaction and should not be denied my equity. 15 U.S. Code 1602 ( e ) The term person means a NATURAL PERSON or an organization. Pursuant to Securities Act of 1933 there is only Security Notes in circulation which grants me the creditor of every Security Note endorsed by me the natural person. There is No Banks without my Equitable endorsement. My XXXX XXXX should have NEVER be violated.
Consumer complaint received 2018-09-19
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 (NY)

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/2018.
Consumer complaint received 2024-10-17
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: EQUIFAX, INC. (GA)

Upon reviewing my credit report, I discovered the following unauthorized inquires on my credit report 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 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the FAIR CREDIT REPORTING ( FCRA ). I am requesting immediate removal of these fraudulently inquiries from my credit reports.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (MI)

we had 7 days to cancel the contract. contract signed XXXX XXXX 2023 and contract was cancel XXXX, XXXX never got anything from them until they sent out a bill. this is a scam. it was suppose to be eliminating our timeshare. after reading it carefully it was buying another timeshare so we cancel. i talked to the CEO and he told me to send him a copy of the cancellation and a copy of the certified mail receipt. I did that. he never called me back nor would he answer my calls.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.