davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

On my credit report today Caine and Webber posted a negative item they claim I owe. The name and social do not match. Further I settled with XXXX  in court over this issue before as well as XXXX  And both admitted this was not my account
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

I had emailed and also called Naviant back in XXXX to get the Misconduct Discharge Application. Every time I asked for it they refuse to send me it and say my loan doesn't qualify. I know it does due to the project on predatory student lending site laying out due to the fact that my account falls under the XXXX XXXX XXXXXXXX case. I attended XXXX XXXX during the alloted time frame. Which the ruling stated that all loans should be discharged due to predatory lending. I unfortunately did not keep the emails due to just now finding out I could file a complaint about their misconduct.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlas Credit Company, Inc. (MS)

I am a victim of identity theft, and I didnt open this account. I didnt give anyone permission to open these accounts using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to these fraudulent accounts.
Consumer complaint received 2020-05-22
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)

These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Authorized bill payment via Huntington bank on XXXX XXXX for property taxes. XXXX was drafted from my account. 

On XX/XX/XXXX I received a property taxes delinquency notice including a 10 percent penalty. 

I visited the local Huntington bank on several occasions that week. I also visited the XXXX XXXX XXXX office twice, to try to get the bill pay issue resolved. 

XXXX XXXX claims they did not receive the check and Huntington claims the check was cashed on XX/XX/XXXX. 

Huntington not able to tell me who, when and where the check was cashed and have not provided me with any info regarding my dispute filed at the local branch on XX/XX/XXXX. 

I requested them to would put the money back into my account, since I paid another XXXX to XXXX XXXX treasurers office on XX/XX/XXXX and filled out a form requesting late payment remission be removed considering the circumstances. 

So far they have not done that, I am asking your assistance with this issue of returned funds which I have resubmitted on XXXX XXXX. Since the county claims they did not recieve the payment and Huntington claims the check was cashed.
Consumer complaint received 2024-10-03
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: WELLS FARGO & COMPANY (CA)

I first came to USA in XXXX and after receiving my social security card went to DMV to apply for a drivers license. My bag was stolen in DMV along with my social security card and passport. XXXX months later I left USA. Coming back in XXXX I checked my credit report and noticed several fraudulently opened credit card accounts. All the creditors solved the matter, but Wells Fargo bank with a charged off credit card with the balance of {$9700.00}. It`s been a year I am sending my supporting documents to wells Fargo proving that I was not in US in XXXX and never had any business account either. I attached the email from XXXX stating that the business opened in my name was fraudulent. After providing all this new supporting documents they still deny my case. They also are not able to verify my identity every time I call and they send me to the branch for verification XXXX XXXX time. This needs to be solved immediately. Please help my with my concern.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (VA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (IL)

Dear Sir or Madam, I write to you with great distress that SLS did not act in good faith in their Fiduciary responsibility but have done an outright FRAUD, taking advantage of the COVID Crisis. 

I was greatly disturbed by the COVD Crisis and based on the common knowledge available in the various Media outlet, decided to talk to SLS, who were holders of the Mortgage. It was almost the end of XX/XX/2020. 

However, I was unable to talk to their representative to get more information about the options available to me. And their website directed to write to them on their website. 

Anyways, the payments were done to them in full and in time. 

They service the Mortgage of XXXX and XXXX XXXX. 

They deliberately showed that payments were not made in XX/XX/2020 ( which was already done, and the first contact about COVD was made in XXXX, so it had to be credited ). 

Then again they showed payments made in XX/XX/2020. 

Again they did not report the payments made in XX/XX/2020 My Broker Agent was absolutely shocked by their outright fraud. As per the rules of XXXX and XXXX XXXX, no new mortgage would have been issued, if any non-payment showed. 

They deliberately showed non-payments in mycredit history, despite getting full payments and in time. 

The addressis : Specialized Loan Servicing LLC XXXX. XXXX  XXXX XXXX, CO XXXX They need to pay a penalty for their wrong behavior and make amendments to my Credit Report and show the payments were made in Full and in Time. 

With the low mortgagerates, I plan to refine my mortgage and theirdeviousactions have put things in a bad situation for me. 

Aso this deliberately deviant and malicious harmful activity shouldbe reported to the authorities. 

Thanks. 

Very Upset MortageHolder.
Consumer complaint received 2024-10-07
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

On XX/XX/XXXX I called into XXXX at XXXX ( XXXX mins ) Spoke with supervisor " XXXX '' who informed me that when calling in there was still no update on the dispute submitted, however she would be able to handle my request for an update at that time. She placed me on hold to review the documents I mailed in, and when returning she informed me, she would be having the account removed based on the documentation I submitted over, and it would take XXXX hours to show on my credit profile. On XX/XX/XXXX I called in to request an update and was informed by supervisor " XXXX '' at XXXX ( duration XXXX ) that I was wrongly informed and there would be no honoring of the removal the previous supervisor had informed me would occur. I was then told that the dispute was closed out the same day XX/XX/XXXX with the account being verified as accurate. I requested a investigation of the call that was taken on XX/XX/XXXX so someone higher up could listen and honor what I was told, she provided me a complaint number ( # XXXX ) and I also requested she send the supervisor a message so that she is aware of what has occurred and can correct the error on XXXX side promptly. At XXXX XXXX confirmed she sent over a message to XXXX but could not transfer me to her at that time because she was unavailable. This collection account being removed earlier this year by XXXX, XXXX, AND XXXX proved this should have never been on my credit initially. Now only XXXX is the only company who is allowing this collection to be placed back onto my credit as double jeopardy for a lower amount when the facts were proven is illegal. [ The documents attached show a previous statement that was pursued and was ultimately removed from my credit, a screenshot of when the collection company contacted me in XXXX with the balance as shown, a revised statement that is falsely being pursued- the original creditor was not responsive when I contacted them along with when the collection company contacted them - the collection company falsely revised the statement for their own personal gain, a recording of the collection company is also attached and clearly confirms what I have indicated above. )
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 



XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transform Credit Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Transform Credit IncXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Transform Credit I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX, I make a non-cancellable booking for a 2-nights stay for XX/XX/XXXX to XX/XX/XXXX on XXXX California  XXXX website, and prepaid {$320.00} using my Citi Premier credit card. 

XXXX, XXXX California  XXXX announced on their website that the hotel will be closed due to COVID-19 until  XXXX. They offered to convert paid bookings during closure to credit for future use. 

I did not accept the offer and contacted XXXX California   XXXX customer service several times, asking for refund due to non-delivered service. They kept persuading me into accepting the credit and refused to refund with the excuse that my booking is " non-refundable ''. 

XX/XX/XXXX, I contacted Citi to file a dispute. Customer service only asked information to locate the transaction and created a dispute. I was not asked to provide any document or evidence at that time. A temporary conditional credit of {$320.00} was posted to my account. 

XX/XX/XXXX, I logged on Citi website, checked my account, and surprisedly found that the conditional credit of {$320.00} was reversed. The dispute is shown closed with the result of " Resolved in merchant 's favor ''. A document provided by the merchant was linked with the dispute. 

Since XX/XX/XXXX till right now ( XX/XX/XXXX ) as I am filing this complaint, Citi did not contact me once either asking for any supporting material or notifying me about the result before the case was simply closed like mentioned.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

My Truck loan was charged off and my account was closed XXXX XXXX ( verified by finance company ) they repossessed my truck in XXXX, XXXX reopened my account then closed it in XXXX which made my credit history only 6 or 7 months old. I did not give them permission to reopen my account. They are claiming the full finance/interest charge when that should have ceased to accrue when the charge off was submitted.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm contacting you regarding false personal information linked to my identity. Accounts and transactions I neither know about nor authorized have been wrongly attributed to me, causing me considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention, as it's negatively impacted my finances and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this situation. I'm ready to provide any needed evidence and, if necessary, take legal steps to defend my rights and seek proper compensation. Your quick response to this pressing matter is greatly valued.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> around XXXX, Chase bank, located on XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX, CA discriminated against me and refused to give me a money from my own account. The teller told me to insert my debit card and enter my pin number, I did this 6 times because he kept pretending my card was not working. Finally, I swiped the card, entered my pin, then he took an additional 10 minutes pretending to type and scroll on his computer screen before calling over the branch manager. The branch manager XXXX REFUSED to issue a money order to me. I asked her to handover my Driver 's license back to me, to which she replied " No. '' After an awkward pause, she finally said " she needs it to input my information into the system. '' I have NEVER been asked for an ID or license to get a money order from my own account. Generally, I swipe or insert my debit card, enter pin number and the money order is printed without question. 
XXXX, the bank manager lied and said my account was flagged for fraud after i inquired about why the bank was giving me so much hassle. I later went to a different chase branch in XXXX XXXX just a couple hours afterwards and was given a money order by inserting my debit card and pin without question or demand for ID. This prompted me to call chase 's corporate number and they've confirmed my account was never flagged for fraud and that there were no suspicious activity on my account.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (CA)

The company stated that I could request a copy of the picture ID they were provided on a credit card identity theft claim to verify it was me ( they have no idea what I look like ) and accepted an alternate address from the identity theftt thief were I have never visited or lived. Comenity Bank Subpeona information, XXXX XXXX XXXX, XXXX, XXXX XXXX Alternate address Comenity provided was : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX I have never visited the state of Ohio nor have I lived there. California resident for 52 years.