davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MO)

XXXX told me to recertify every year for Public Service Loan Forgiveness. This year I mailed the required documents to XXXX as well as XXXX XXXX as required. However, XXXX claims to have not received the documents and ultimately turned my account over to Default Resolutions. I have since refinanced those loans with XXXX XXXX. But, by refinancing, at the mistakes of XXXX, my loan forgiveness started over. I have lost 3 years toward my loan forgiveness due to XXXX 's negligence.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

So what happened was I was testing out there mobile deposit feature with a old check I had that had previously been cashed by mistake it submitted the check without my making a final say so I was just testing the auto capture feature I never intended on cashing the check with capital one because I had previously cashed it out with a different bank long story short they froze my account because the check bounced back and now I have XXXX $ thats just sitting in the frozen acc and they wont issue me a check or any way I can get my XXXX $ from that bank account please help me
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NJ)

On XX/XX/XXXX, a fraudulent transaction was made between my Discover debit account and an unknown XXXX  XXXX XXXX  account which resulted in unauthorized withdrawal of {$60000.00} on XX/XX/XXXX ( via XXXX Pull from XXXX XXXX ). I never authorized this transaction. Please refer to the previously submitted complaint in my account on this website. 

On XX/XX/XXXX, I contacted Discover Bank and they advised me that they would need to " freeze '' my account and transfer my remaining funds into a new debit account to prevent further incidents. Then on XX/XX/XXXX, during my follow up call with Discover Bank, I was informed that my old account has been " closed, '' instead of " frozen. '' I was also informed that at this point, even if the transaction of {$60000.00} becomes reversed, I would not be able to receive the fund back because the old account is now " closed. '' Discover bank also informed that even after transaction reversal, the fund will be sent back, again, to XXXX XXXX because of the same reason. 

Discover also informed me that they closed the investigation with " not in my favor '' with no further investigation. They did not provide me with any reasons or made attempts to correct the situation. All I was told was I would not receive my {$60000.00} back. 

I will try to have Discover reopen the investigation and look further into this, but I feel helpless at this point. Please reach out to Discover and XXXX XXXX and help me get my funds back. 

Here are the transaction number and the reference number for my case : Trace number for the fraudulent ACH transaction : XXXX Related reference number : XXXX Thank you for your help, XXXX XXXX
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I wrote a check XXXX XXXXXXXX for {$3300.00} to XXXX XXXX XXXX XXXX XXXX XXXX. Check was NOT cashed by XXXX XXXX XXXX. Check was cashed by XXXX XXXXXXXX XXXX XXXX, Citizens Bank. 
On my behalf XXXX Bank has reached out to bank of XXXX XXXX  Citizens Bank on XXXX XXXX, XX/XX/2023 & XX/XX/2023 to get a response ; however still no response from XXXX XXXX, Citizens Bank.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Chase just close my account for no obvious reasons because I asked them they said its in the contract we can close your account whenever they please. I said okay find when can I receive my remaining balance they didnt give me a date. They kept giving me the run around told me I can walk in the bank to withdraw my funds. I try that they told me I got to wait to the account fully close to withdraw the funds which dont make no sense whats so ever. I call them they said I just got ta wait for my check in the mail. And I been waiting since
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

The below listed collection companies can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of these account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX nor from Portfolio Recov Assoc for the cancelled debts in order to file as ordinary income. Where is my 1099-C from these collectors? Where are any copies of the IRS forms they were required to submit? They are clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00} ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst.

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the three credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : XXXX XXXX XXXX Balance {$620.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance {$670.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance {$550.00} Balance updated XXXX XXXX, XXXX  PORTFOLIO RECOV ASSOC Balance {$450.00} Balance updated XXXX XXXX, XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA XXXX entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Someone has illegally used my debt card in XXXX XXXX. This unauthorized charge was done on XX/XX/XXXX as pending and posted to my account on XX/XX/XXXX. As soon as this happened, I contacted J. P. Morgan Chase Bank to close my debit card and to file this as a fraud claim. They denied my claim and stated that I made this charge, when I did not make it charge. I did not give my debit card out to anyone. I am a hard working full time worker and student. I would not spend {$890.00} in XXXX XXXX, as I am a XXXX XXXX, and Chase claimed on their app that I spent this money in person in XXXX XXXX on Home Goods, when at the time I have not traveled, been in XXXX, TX asleep because this happened over-night. I dont know what to do and my bank account is negative because Chase reversed the funds when they denied my claim. Please help
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

Well, for the past year I have made payments to my car loan and when I thought I was caught up I decide to try for a home loan and found through both XXXX XXXX and XXXX that I had XXXX missed or late payments and that the account had not been update since XX/XX/2023. 

So I called twice to ask for information and they gave me the run around about a glitch. 

Then I sent them a letter and return all they sent was a current invoice.
Consumer complaint received 2024-05-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (ME)

Shellpoint Mortgage seems to be refusing to send the assumption packet to my real estate agent. When I first asked if the Mortgage was assembled they told me know. When I called back with my real estate agent on the line they said it was assumable and she would file it but it would take 30 days or more. She also strangely asked me if I had planned on buying another house anytime soon. It's been XXXX weeks and I called today to check on the progress and they can't find any record of the specialist submitting anything, but said they'd submit it today and again I'd have to wait 30 days. I asked to speak to someone higher up and wherever I was transferred to sounded like they another person was called on a different phone and put on speaker to talk to me. This person wasn't helpful either.
Consumer complaint received 2024-05-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (TX)

Someone with the same name took out a loan with Net Credit under my name. I have disputed this on my credit reports, contacted the company via phone and written letters to Net Credit but they refuse to investigate. This debt does not belong to me but it is showing up on my credit reports. Net Credit stated that the loan with applied for online and someone punched in my social security number but other than that, they don't do any other verification.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MI)

A fraudulent account was opened in my name on XXXX XXXX with XXXX XXXX. Ive contacted the creditor and attempted to have it removed as well as disputed the account with the credit bureau. The account now reports as Jefferson Capital with no Validation of contract and existing business as requested. Nothing was received within 30 days or ever therefore my consumer rights were violated and Im prepared to pursue litigation. The account is reflecting a balance of {$810.00} and XXXX is allowing the account to report without proof of my business dealing with this company.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MO)

On XX/XX/2023I received a phone call from a local nunber that left me a voicemail. The voicemail was threatening legal action against me if I didn't get into contact with them prior to this debt being " discharged '' from their office. They stated legal action would be taken against my name and social security number.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been trying to get XXXX, XXXX and Equifax to remove a FRAUDULENT account and the address associated with said account for over a year. My address is not and has never been XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and I would like that address removed from my credit report immediately and permanently. 

There is a XXXX XXXX XXXX XXXX account that is in a charge off status on my credit report that i have been challenging for years that is FRAUD. I would like that account deleted immediately. There was another XXXX XXXX XXXX XXXX account that was fraudulent, that was removed as a result of my dispute yet this one remains. How can one account that was open at the exact same time be fraudulent and removed but not the other? There are also several inconsistencies in the reporting of this fraudulent account across the three bureaus which further supports that this account is unverified and should be removed.
Consumer complaint received 2024-05-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I don't recall having a contractual relationship with this collection company Genesis Credit Managment. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (VA)

The debt collectors are from Aldous & Associates, and they're contacting me about a membership that my girlfriend and I once held. I had canceled our memberships, but due to a misunderstanding at the front desk, only mine was processed. As a result, her account incurred late payments, which eventually led to it being turned over to collections. Since then, Aldous & Associates have been contacting me nonstop to settle the outstanding debt.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (IL)

I have been a victim of identity theft. Someone used my personal identification to apply for internet service without my permission or knowledge. They attemted to start internet service with XXXX but I shut it down. Now the company has reported me to collections for a service that has never been started. They are trying to charge me {$100.00} for accont that was opened fraudulently. This is not my account!
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Reached out to Aldous & Associates numerous times. Last time I called, they admitted to receipt of my payment of {$78.00} received in XX/XX/2023, and then said that I owe a new amount of {$280.00} as a separate account that I never owed. I've disputed this numerous times, it's been removed from my report, and then they have re-added this account to my report once again. Each time it's added, it reduces my XXXX XXXX, prohibiting me from leasing new apartments and applying for new credit with ease.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (SC)

On XX/XX/11 a letter of verification of debt request was emailed to XXXX per their information email link sent in the email they sent me. 
On Tuesday XX/XX/XXXX some male called from their agency and left a message where he said yelled " son of a XXXX '' and threatened that he was documenting the call as a refusal.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (MI)

I was charged by XXXX  XXXX and I have never lived in Ohio and the address that I seen that bill was not mine. I previously was a victim of identity theft and filed through the IRS years before this that happened I thought my identity was safe but I guess not someone is still using my information.
Consumer complaint received 2023-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello! How are doing? I am disputing the late payment that I have on my reported to the three credit bureaus.My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2024-05-16
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Io, Inc. (VA)

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX I hope this email finds you well. I am writing to bring a serious matter to your attention concerning erroneous collections that have appeared on my credit report. I recently discovered the presence of these collections, and to my utmost surprise, I have no knowledge or information about the debts in question. I firmly believe that these collections have been inaccurately reported and are negatively impacting my creditworthiness. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, which grants me the right to request validation of any debt that is being reported on my credit file. Section 609 of the FCRA stipulates that upon my request for debt validation, the credit reporting agency and the collection agency must provide me with specific information to verify the legitimacy and accuracy of the debt. 

The erroneous collections I am disputing are listed as follows : Collection Agency Name : Receivable Management System Account Number : Unknown Amount of Debt : XXXX Date of First Delinquency : unknown I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene to ensure that these erroneous collections are removed from my credit report promptly. I kindly ask that you initiate the validation process under Section 609 of the FCRA on my behalf and require the collection agency to provide the necessary documentation to substantiate the validity of the debt. 

I am concerned about the potential harm to my creditworthiness and financial stability due to these inaccuracies. I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. Please feel free to contact me at XXXX or via email at XXXX, if you require any further information from my end. 

Thank you for your assistance in resolving this issue. I trust that your intervention will help rectify this situation and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/year>, {$2500.00} was stolen from my account by a criminal impersonating the US Department of Treasury. Since then, Wells Fargo has refused to refund my stolen funds. Most recently, the company refused to address this with me. The representative ( named either XXXX or XXXX XXXX harassed me at work repeatedly with constant calls that disrupted my job duties and REFUSED to speak with me outside of my work hours. I told them to please call back when I wasnt at work. They didnt bother to work with my schedule and work obligations. Instead they called, refused to talk to me about anything, and are claiming this case is closed before I could address my concerns with them.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXXXXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- XXXX XXXX- -- - XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-20
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. (CT)

XXXX and XXXX XXXX XXXX account open on XX/XX/XXXX and XX/XX/XXXX I have no knowledge of these account they were deleted of my credit report at XXXX point I been a victim of many glitches were my identity has been stolen through XXXX XXXX XXXX, the post office as well as Experian and I also. Have a fraud alert which I am never notify of and inquiry made on my accounts I have try requesting validation of these account and have not received any they just update the account with out removal I want the accounts removed I also have a hard inquiry that I did through Experian and it was said I will not affect my credit and it did from XXXX XXXX on XX/XX/XXXX