davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I closed my Capital One credit card account ending in XXXX in XXXX at which time I was advised by customer service representative that there was no balance due for this card and they were able to close my account. 

Recently, I accidentally realized my credit score dropped a lot because of the past due credit card payments reported by Capital One. 

I called the Capital One customer service on XX/XX/2023 trying to figure out what happened and they told me that I have a balance of {$110.00} due for my closed credit card account. This involves a XXXX membership fee of {$42.00} due on XX/XX/2023 plus late fee charges and interest charges. I explained that my credit card account was already closed and I did not receive any credit card statement since I closed my account so that I was unable to know I had a balance due. 

Upon bargaining, I made a full payment of the balance due which is {$110.00} right away over the phone and the customer service representative was able to request for a refund of a {$40.00} late fee charge and {$1.00} interest charge for me. But my request for the refund of {$29.00} late fee charge and {$0.00} interest charge was denied. 

I feel its really unfair. As a consumer, I am not supposed to pay for what I had no knowledge of. The late fee and interest charged by Capital One for a balance that the consumer had never been informed is apparently an action of taking advantage of the consumer. 

I would like to request for a refund of the {$29.00} late fee and {$0.00} interest charged by Capital One for the billing cycle of XX/XX/2023 to XX/XX/2023.
Consumer complaint received 2018-10-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

I have since refinance my loan but not after lots of headaches. 
I was going to a for profit school in California and it was pretty much sign this loan or not go to school. The lagoon of {$12000.00} I believe was a private loan handled by Sallie Mae ( XX/XX/XXXX fall ) at an wrongdoing of 12 % + interest. By the time I graduated XX/XX/XXXX spring was tone to  pay back my loans. I was suggested into forbearance for my private lagoon because three was no way to lessen my payment for private. {$500.00} a month in student loans making {$10.00} hr.
Consumer complaint received 2017-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (NV)

Several years ago I put into a web online shopping cart system a class at XXXX ( University XXXX XXXX ), I never fully checked out or agreed to enroll in the course. Somehow they are claiming I enrolled, I never fully completed the online checkout or to my knowledge ever agreed to enroll. It 's analogous to an abandoned shopping cart. It 's simply a case of being an online customer who never completed their purchase.
Consumer complaint received 2023-10-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (NJ)

I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called Exeter Finance LLC. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for two years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through repo cars ) by Exeter Finance LLC and we are sure it was sold to another client. The collection agency is XXXX XXXX XXXX XXXX, file # XXXX. Our question is ; is this legal? 
XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )
Consumer complaint received 2019-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

The collection agency in question persists in illegally trying to collect on a Home Depot store credit card that was closed by me in the Summer of XX/XX/XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MI)

Calvary SPV is reporting a collection account for XXXX XXXX Bank opened on XX/XX/2012. I did not have a XXXX XXXX account at that time. I have disputed this collection activity previously and have not received any information regarding this account opened in my name in 2012. I have made several attempts to get information from XXXX XXXX regarding this account and they do not have record of the account.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Called in multiple times for company to update the credit reporting, company refuses. I paid off my XXXX  loan with XXXX XXXX XXXX  months ago. The company is still reporting that I have an auto loan with them. On my credit profile because of this it looks as though I have XXXX  auto loans. Im disputed information with all XXXX credit bureaus and XXXX advised all XXXX  bureaus that the information is correct. I have proof of the XXXX balance
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I lived at XXXX  XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone number : ( XXXX ) XXXX for 3 leases. Almost 34 months.. 

.. At the end of my 2nd year/lease I was approved to move/transfer to another unit in the complex, they apparently evicted me without my knowledge, instead of just clicking one button and doing a transfer. XXXX was the year in question. I had my lawyer reach out and the building admits I was NEVER evicted. The building fully admits I was NOT EVICTED and wrote a letter to my new renter.. unfortunately, this doesn't help very much at all. It needs to be removed from my report. And they just don't seem to care. None of the credit agencies or this complex who collected 3 years of rent on time only to evict me falsely.
Consumer complaint received 2023-10-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I received this gift card a few months ago and just decided to use it for an online purchase. It was declined twice at one store on XX/XX/23 and I tried to use it again at another store on XX/XX/23 where it was declined twice again. I have sufficient funds to make the purchase however now when I check the balance I see every attempted transaction incurred a pending {$0.00} charge. My {$45.00} American Express gift card is not only useless online, it now is only worth {$44.00} despite never using it. I have checked the American Express website to see how to resolve this issue but there is nothing of significance. I am not the only one with this issue as there are entire communities of people saying these cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. It's entirely unacceptable to advertise these cards as usable everywhere when that couldn't be further from the truth.
Consumer complaint received 2019-03-25
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: EQUIFAX, INC. (NC)

According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

XX/XX/XXXX, I received an email notification from XXXX telling me Radius Global Solutions LLC sent a negative credit report to XXXX. I immediately contacted XXXX ( XXXX ) XXXX and spoke to XXXX, an associate. He explained that Radius Global Solutions LLC is a debt collecting agency acting on behalf of XXXX XXXX XXXX XXXX for {$470.00} owed for services provided XX/XX/XXXX. 
I never received a letter or bill from either Radius Global or XXXX XXXX at any time and I would not have been expecting one because I had full medical coverage by XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 
As of XX/XX/XXXX, coverage was assigned to XXXX. 
After our discussion, an investigation was opened and I was promised a response in 30 days from XXXX. However, XX/XX/XXXX, I received a letter from Radius Global Solutions LLC offering me to pay the sum of {$330.00} to settle the debt. A copy of this letter was sent to XXXX. I have a legal and moral obligation to pay all debts, this however, was not incurred by me.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XX/XX/XXXX which they allege using an address of XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with XXXX supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government
Consumer complaint received 2018-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I recently became a XXXX XXXX XXXX XXXX  XXXX veteran. At the time I had good and excellent credit scores with transunion and equifax. 

a benefit I applied for was an XXXX XXXX charge card. I got the card with. {$5700.00} credit limit. 

My credit scores immediately dropped by 120 points because I got the XXXX XXXX card. I am debt free and had no credit problems before this event. 

Now my credit scores are in the 500s and 600s down from the mid 700s just as I was approved to buy a home by my credit union. Now, my suddenly poor credit will be used against me in every arena all because I got a military charge card that I havent even used. 

So, in essence, Equifax and XXXX  are telling the world Im a poor credit risk suddenly because I got a XXXX charge card. As far as im concerned, this is criminal defamation of my character because I pay all my bills on time, everytime. 

These credit reporting agencies need to be invested for ruining peoples lives and reputations like they did mine. 

Im XXXX years old and dont have time to rebuild their opinion of my fiscal responsibility which is excellent despite their algorithmic opinion of me as an individual and American Military Veteran. 

They have ruined citizens lives numbering in the millions all the while enjoying the fruits of their corruption. 

Shut them down and start a whole new system to determine credit worthiness period!
Consumer complaint received 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

Back in XX/XX/2023. I started receiving email notifications as well as text messages about a debt owed to XXXX XXXX. Whats the temperature of it being collected on behalf of Trans world systems inc. me being very confused because I know for certain I dont owe any debt to the company mentioned I immediately sent in a request for death validation. This was done back in XX/XX/2023. I subsequently never received a response moving forward on XX/XX/2023. I noticed that the company was reporting this negative item as a collection on my credit report. I only asked that this be removed for the debt is one not validating in the amount of time given, and it is an improper an owed debt.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I was scammed by crytocurrency XXXX - XXXX since XX/XX/2023. I made four different wire transfers to XXXX XXXX  via XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, GA. They use two Beneficiary banks : JPMorgan Chase, NA and XXXX XXXX. The total amount was US {$250000.00}. Having realized the scamming, I have immediately requested for recovery via XXXX. After several requests, JPMorgan Chase responsed in the message on XX/XX/2023 that " We are unable to comply with your recall request ''. XXXX responded that the accounts of acceptors were closed and did not provide details of scammer 's identity. 
I have already reported this fraud/scamming with FBI via www.ic2.gov. In addition, I have contacted SEC Atlanta, US Secret Service, FTC, and local Police. All these reports are attached.
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (NY)

They call repeatably/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly.
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Credit Control (CA)

On XX/XX/XXXX I was notified by mail that Continental Credit Control ( CCC ) was attempting to collect a debt owed to XXXX XXXX XXXX XXXX ( XXXX ) for a service from XX/XX/XXXX. I contacted XXXX forthwith, leaving several messages and my phone number. They could not provide me with documentation for the service that I have been alleged to have received. XXXX patient services informed me on XX/XX/XXXX that their billing records do not extend to XXXX. I was told a supervisor would contact me no later than Wednesday XX/XX/XXXX. However, I never received further correspondence about this matter from XXXX or their patient services. Consequently, I contacted consumer finance about the issue and was told to send a certified letter to CCC disputing the debt. I have requested they send documentation for this debt and additional information about it as well. I mailed the letter on XX/XX/XXXX to CCC at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX tracking # XXXX. They received this letter on XX/XX/XXXX. Unfortunately, CCC has not responded to my requests for assistance in regards to this matter nor have they provided me with legitimate documentation about the debt they are attempting to collect. Additionally, they have put this collection on my credit which has negatively impacted my life. As a result, I have filed a complaint with the Federal Trade Commission ( Ref. # XXXX ). I feel as if I have done everything within my power to settle the matter but have not received any assistance from the XXXX or CCC. I would like to file a complaint against the CCC and have them remove this collection from my credit immediately.
Consumer complaint received 2023-10-15
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: National Credit Systems,Inc. (GA)

I am writing to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by NATIONAL CREDIT SYSTEM, who failed to provide verification of a disputed debt and continued collection efforts without supplying the required verification. as Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I dispatched a certified mail dispute letter to NATIONAL CREDIT SYSTEM on XX/XX/2023, within the XXXX-day validation window, demanding verification of the alleged debt. This action was taken to formally contest the legitimacy of the debt and to seek definitive proof to substantiate their claims. A copy of the dispute letter and the certified mail receipt, affirming its delivery, are consolidated in Attachment. Contrary to the mandates of FDCPA 809 ( b ), which necessitates the cessation of collection activities until the debt is verified, NATIONAL CREDIT SYSTEM has not provided the requisite verification as of XX/XX/2023 and has perpetuated their collection endeavors, inclusive of validating the debt with XXXX without validating the debt with me on XXXX witch is a clear violation of 15 U.S.C. 1692g ( b ) Validation of Debts which states : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

This non-compliance has engendered my process of getting funds for my business or any type of help credit wise and precipitated significant emotional distress, a byproduct of the unwarranted and legally nonconforming collection attempts
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2019-03-25
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. (GA)

XXXX is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and XXXX. I need your assistance in getting this item removed from my credit file.