davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc (TX)

Prior to Move-Out- I called XXXX XXXX to ask about move out requirements. I submitted the required notice to move-out as per the lease. I was not given any standards to which the apartment should be cleaned nor were any listed in the lease. I was simply told i should clean the apartment and move out. 

XXXX- My lease with XXXX XXXX ended. My keys were returned to the front office, and my apartment was cleaned. 



XXXX- I recieved 3 letters from Consumer Collection Management Inc. attempting to collect on separate debts. One listed my name, two did not. 
The letter listing my name cited a debt of ~XXXX dollars listed as " miscellanious '' from the original creditor XXXX XXXX. I had recieved no prior notice and was not contacted about any " miscellanious '' fees by XXXX XXXX prior to this letter from Consumer Collection Management Inc. 

XXXX- I called Consumer Collection Management Inc. to dispute the validity of the debts, I was told It was n't neccessary for me to submit my dispute in writing but that I probably should. Of the 3 letters, only 1 had my name and the following 2 had names I do n't recognize as well as differing account numbers. While on the phone, I resolved the issues with the 2 letters that did n't match my name. I also immediately resolved an issue of another debt I was told by the representative was under my name. This debt aparently was from someone with a differing birth day than myself. At this point I 'm sincerely concerned about the handling of my information as well as my privacy, espcially regarding a debt that i dispute the validity of.
The representative informed me that the debt in the letter bearing my name consisted of " miscellanious '' fees, for not returning keys and for cleaning of the apartment. I disputued this debt based on the inaccuracy of the underlying claims, as the apartment was both clean and the keys returned to XXXX XXXX. I also question that the debt in question is mine, as I now have heard of 3 debts from CCM that were n't mine but contained some conscript of my personal information. This shows a mishandling of my personal information/breach of privacy by either or both CCM and XXXX XXXX. As well as a breach of privacy for those debtors whose letters were sent to me. 

XXXX- I submitted my dispute of the validity of the debt that had my name attached to it. 

XXXX- I 'm filing a formal complaint with the CFPB
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

I created an account on XXXX to see what my credit scores look liked and I noticed a debt collection was up there that I did not recall. I never opened an account on XX/XX/2021 with the company XXXX ( XXXX XXXX XXXX ). So I filed a dispute and received the dispute information that the debt collection was correct. So I called both Credit Control Services INC and XXXX to figure out why this debt collection of {$1700.00} is on my credit report that I didnt have any connections to and both could not pull up any documentations that Ive had anything to do with this debt collection thats why Im reporting it as fraud. Also Ive talked to the debt collections agency and the male that I was speaking to hung up on me.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My Bank of America checking and savings account was closed last Friday XX/XX/21 without ANY warning. My card got declined and when I check online banking it said " Account Locked '', and gave a number for the risk department. I was sent on a wild goose chase to different BOA locations, only to be told I had to call the same number. Luckily I had a car to drive all cross XXXX. After 5 phone calls and being on hold for a total of an hour and a half, I was told that " BOA closed my accounts were closed as a business decision ''. The risk department stated that BOA did not owe me any explanation, because I had signed something upon opening the account that allowed them to close the account at any time, without explanation. There was NO regard for my being an account holder for over a decade, and having thousands of dollars direct deposited over the years ; or for the bills or multiple errands that I had planned to run on last Friday. The customer " service '' was harsh and aloof. I was totally shocked and scrambling to find open a new account so my paycheck won't get bounced back to my job. There is no fraud on my end, nor nothing unusual that occurred. And my funds have been frozen until an investigation is done then my money will be mailed as a cashiers check. Horrible, inconsiderate bank! More like robots than human beings. I was treated like a piece of paper instead of a person. I have received alerts for certain purchases, asking if I authorized it. But when my livelihood was disrupted suddenly, there was no contact or any sort of warning. They need to be shut down. I did nothing to deserve such treatment as a valuable customer.
Consumer complaint received 2017-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Your case ID for this reason is XXXX. My account was limited XXXX XXXX2017 and its been over 180 days that my money has been held. I have {$230.00} USD in my account. Please release my money for withdrawal.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

On XX/XX/2020, I paid the property taxes for the a property I own. The tax office for XXXX County ( South Carolina ) shows this payment on XX/XX/2020 from their website as expected. I forgot this particular property was escrowed and the escrow agency disbursed a payment on XX/XX/2020. I have contacted XXXX County they have told me they return all duplicate payments to the sender. 

The loan servicer is not assisting with checking the status of the check, and will not refund accordingly. They say they have to wait until the check is returned before anything can happen, which makes sense but it's been over a month and they do not have any information for me on next steps. I am concerned this return may have been lost and I do not seem to have any other options at my disposal to get a refunded payment.
Consumer complaint received 2021-01-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX  has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Summary of explanation written below is that the Capital One XXXX XXXX failed to get a bill to me on time so I could pay on time. This resulted in a late fee and interest charges. I've called Capital One about this twice now. I don't want to have to keep calling, and I expect all fees to be refunded. 

XX/XX/XXXX - Made first purchase using new XXXX credit card issued thru Capital One Retail Services XX/XX/XXXX - Credit card was declined at XXXX check out. Immediately before leaving XXXX store, I called Capital One Customer Service ( XXXX ) to find out why. Customer Service told me that my account was overdue. I explained that I had not yet received an invoice and this was very disturbing since we always pay our monthly balances on all our credit cards to avoid interest charges. I questioned whether Capital One had a problem getting bills to customers on time considering the XXXX mail rush and Covid, however the customer service representative did not acknowledge any bill delivery issues. I am XXXX, and I have never had a problem with credit card companies getting bills to me on time. 

Took this as a sign that something may be wrong with the credit card, so on the same telephone call I told the customer service representative I wanted to pay off the balance and close the account. The customer service representative allowed me to do this, but only with another debit card ... so I paid off the account on the spot in the store to avoid more problems. 

XX/XX/XXXX - This next day I received the missing bill ( attached ) in the mail. It was post marked XX/XX/XXXX, so it was delivered weeks late and was the cause of the account being overdue. 

XX/XX/XXXX ( not sure of exact date ) - Called Capital One customer service back because I was worried that they added late fees to the amount the charged my debit card to close out the account. I was told they charged a {$27.00} late fee. I told customer service I wanted that refunded. Customer service said I'd have to wait ( for a bill ) and ( I believe I'd need to ) call back to to get a refund. On this second call, this customer service acknowledged that bills had been delivered late to other customers. I don't know if this was due to Capital One bill processing or the Postal Service. 

XX/XX/XXXX ( again not sure of this exact date ) - Received the 2nd bill which showed that Capital One had not only charged a {$27.00} late fee, but also {$12.00} in interest. 

I have not called Capital One a 3rd time to ask for a refund ( {$27.00} + {$12.00} and any other charges Capital One might want to add ).
Consumer complaint received 2021-01-21
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: WELLS FARGO & COMPANY (VA)

I submitted a dispute with XXXX ( XX/XX/XXXX and XX/XX/XXXX ) to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX and XXXX completely disregarded the evidence/documents. I called them today XX/XX/XXXX after noticing my disputes were closed but I was not able to get the results online. They said the disputed were closed because Wells Fago validated the late payment. XXXX confirmed even if they are in receipt of evidence, that they dont actually investigate and will go based on what the creditor says. I have been getting the run around and also XXXX refused to connect me with a supervisor and instead they referred me to dispute this with Wells Fargo. Overall, they confirm they receive the dispute and just forward it to the creditor. No actual independent investigation is done at their end and if the creditor is incorrect - they dont do anything and instead keep reporting the late payment on the consumers account. I hope you guys can help me out with this. Thank you!!
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Block the identity theft-related information from my credit report as mandated by FCRA Section 605B . Immediate action is demanded to comply with the law, and notifications to all information furnishers must be sent promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Consumer complaint received 2021-01-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

Equifax sent a letter in XX/XX/2020 Acct # XXXX Derogatory mark {$5500.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet. 

XXXX sent letter in XXXX XXXX Acct # XXXX Derogatory mark {$550.00}, Acct # XXXX {$550.00} XXXX sent letter XXXX XXXX Acct # XXXX {$7900.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

I made payment through my health insurance but the hospital has sent this bill to collections. I made my payment so why am I being bothered? If this is in anyway impacting my credit history I want it all reverted else I will raise another complaint and take it furthet
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am so sure that I may be a victim of identity theft! 
You know what I am shocked to have this situation ... I do not recognize these accounts. I believe I became a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and remove it. Also It could be possible you are mixing up these accounts with someone that has a similar name as me ... so please deal with that asap!
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NJ)

{$330.00} Original creditor : 05 XXXXXXXX XXXX XXXX XXXX  {$1000.00} Original creditor : 01 XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} Original creditor : 11 XXXX {$550.00} Original creditor : 01 XXXX I've contacted this company many times asking for a validation of debt since they couldn't verify these accounts their are stating that I owed I ask them to remove these fraudulent I didn't approve that was open in my name. 
they Keep violating my rights I wouldn't send me a copy of validation of debt according to my consumer rights. I told them this is unfair practices according to 15 USC 16g2f I also keep asking for a validation of debt. the name of the creditor of whom the debt is owned. I ask for them to not just remove these fraudulent statements and representation of that that the have fail to provide proof of such debt they said I've owe that they should be Delete from my Credit file.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

My lender, XXXX ( a state of New Jersey student loan agency ), granted me a forbearance in light of a XXXX hardship. However, XXXX failed to properly process that forbearance and as a result, misreported delinquencies to all three credit bureaus for the months of XXXX 2020. XXXX has since acknowledged its error and seemingly corrected the misreporting with XXXX  and XXXX, but there has been a complete breakdown in communication with Experian. 

XXXX has confirmed multiple times, in writing, that no delinquencies should have ever been reported -- they do not dispute whatsoever that the initial mistake was theirs. However, XXXX keeps saying that they have done everything possible to correct the matter with Experian, but Experian must be failing to make appropriate corrections on their end. 

Experian, on the other hand, claims that XXXX continues to indicate delinquencies for the months of XXXX, notwithstanding several formal disputes that I have initiated with Experian. With regard to those disputes, XXXX claims that they were never contacted by Experian regarding any dispute, while, as noted, Experian claims XXXX was contacted and indicated the delinquencies should remain on my credit report. 

I have attempted for more than SIX MONTHS to resolve this. There is seemingly no way to bring XXXX and Experian into contact with one another in a way that transmits an accurate correction of my credit report from XXXX to Experian. I have ample documentation confirming everything explained above. 

My primary contact at XXXX is XXXX XXXX, whose email is XXXX XXXX
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Theres a levy on my account and the bank refused to remove it. The IRS contact my bank and told them to remove the levy. I cant use my account its in nagative {$1400.00}. Their playing games and giving me the run around. Please resolve this issue. My bank is Bank Of America and XXXX XXXX. I have been a member for several years.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I received a letter in the mail from Transworld Systems Inc. in regards to an alleged obligation. I am sending notice delivered in accordance with the Fair Debt Collection Practices Act. 15 USC 1692g, noting that reference/account # : XXXX claim is contested and validation is required.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I went in to my local Kohls store on XX/XX/21. While there, I was asked if I wanted to use my Kohl 's charge account to receive a discount on the purchase that I was making at that time. I did not have my physical store card with me ; the cashier indicated that I could use my driver 's license to locate my existing account. After allowing the cashier to use my driver 's license to locate my account, the cashier stated that he found my account but that he needed an income verification update. I consented to the income verification update. However, I received a letter from Kohl 's indicating that an application was submitted in my name and that it could not be opened due to an existing account. being opened. I then contacted Kohl 's directly. I was advised by the representative in the application 's department that my application was not approved due to an existing an account but that the existing account was closed on XX/XX/21. The exact day that I was in the store doing what I mislead to believe was an income update. I was then transferred to a customer service representative, who then hung up or the line was disconnected. I then called back through Kohl 's customer service. The representative verified my information then after listening to me speak for 4-6 minutes asked me if I was calling about my Kohl 's account or someone else 's. Clearly the representative was not listening to what I was asking or trying to understand why I was lied to about the application and why my account had been closed without any knowledge or authorization by me. The representative had no answer as to what happened with the new application being submitted and seemed to be struggling to find answers to common credit score questions. The rep then stated that my account had been closed due to not being used. However, when I was at the store, I was advised the account was open and only need verification due to my last name being changed after getting married. I requested a supervisor who could not answer the questions that I was asking. I advised the representative that I felt deceived because no one said that an application would be submitted and then denied negatively affecting my credit. They have not resolved, any issues. The supervisor told me a different date from the previous rep for credit closure. The supervisor indicated all he could do was fill out a request for someone else to try to fix any issues.