davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

Two months ago I noticed that XXXX was listed as a debt from XXXX. I recalled that I was XXXX and XX/XX/XXXX just occurred and I dropped out of school and my Grandmother gave me the {$500.00} to repay my XXXX XXXX  to XXXX on XX/XX/XXXX for my birthday because she understood that I lost some close friends and didn't want to continue at that time. 

Currently XXXX a company UAS is claiming I owe them ( an agent of XXXX University ) XXXX ( XXXX + interest ). I was able to obtain a summary of my account with a zero balance because I paid. 

UAS is requesting a copy of a check/money order before removing the default status from my records. I explained that I used my birthday gift from my grandmother to pay this debt. I further explained that I didn't have a bank account as a XXXX XXXX XXXX entering college and paid cash for everything that I got from my grandparents and other family members. 

UAS is saying if I can not produce a document that does not exist that I am responsible to pay {$680.00} for a debt of {$500.00} which I had already paid. I also emailed them the XXXX balance document provided by XXXX 's accounting team. 

I asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ) UAS  representative to speak with the account specialist that makes the decision and I was transferred to XXXX XXXX - supervisor who echoed that I have to produce a check/money order from XXXX! 

I would like for XXXX/UAS to remove this erroneous account and status from my records so I can continue to go to build my future ( credit profile and finish school ).
Consumer complaint received 2021-06-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-19
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. (OH)

623 DIS : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Accounts for XXXX XXXX ( credit and debit/checking ), XXXX, XXXX ( commenity cc ), Capital One ( credit cards ), several other accounts have been opened under my name using my stolen SSN, and previous addresses and phone numbers.

This has not only brought collections actions against myself but also legal problems. As information for third parties has also been stolen an used
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX an old close, settled and removed Capital One account was Re-inserted on my XXXX  Credit Report. That account was on XX/XX/XXXX and Capital One had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted Capital one concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified XXXX  about the settlement via a dispute. On XX/XX/XXXX that Capital One account was removed from my XXXX  credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my XXXX  credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report Capital One has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by XXXX point. and now my credit score went from VERY GOO to FAIR.
Consumer complaint received 2017-03-30
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

My bookkeeper notified me to an unknown transfer from my WF to a XXXX account I confirmed the $ XXXX transfer was fraudulent I reported this to Wells Fargo but they denied my claim because of a transfer to the same unknown XXXX account in 2013, for {$10.00}, which was obviously also fraudulent
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i got a cash advance of {$250.00} been trying to pay it off and i was told i have to be able to pay the hole amount of the cash advanve, recently i make a payment of {$1000.00} to my credit card and when i check my statement the cash advanve was not covered.when i call they refused to cover that amount from the XXXX dollars and they are charging me double interest my regular purchases and my cash advanve even though that i want to pay those XXXX they just refused to covered that amount.i want those XXXX covered withthe XXXX dollrs to stop excess interest
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I have received several phone calls from Credence Resource Management ( Credence ) .Trying to collect a debt that I do not owe and is not mine. I have informed them of this and that I'm on the national do not call registary and asked them to stop calling me. They have a robo-dialer that changes the last two digites of their phone number so it gets past my block.. They are in violation of The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

Reference number XXXX I applied for one of your credit cards and listen when its all said and done whether you approve me or not is really irrelevant at this point the issue that I have is the reasons youre giving me for denying my application the things you said just arent true I mean theres no other way of saying it theyre just not true and I sent a letter back to you after the first letter from you and I asked for someone not to send me a form letter into actually explain whats going on you didnt do anything all you did was print a new form letter and send it out the results of that is now because of the poor customer service and filing a complaint clearly youre unwilling to talk to me directly so you gave two reasons for my credit card being denied First reason your credit report reflects delinquent past present credit applications.. im here to tell you thats just not true Ive looked at my training and report every time Ive communicated with you Im looking at it right now on my computer as I type this there are absolutely no negative components to my credit report you just start telling the truth and if you really do have something showing up on your end I want to know what that is what specifically is delinquent because if XXXX XXXX is giving you something then they give me need to file a complaint with XXXX XXXX but with a credit score of XXXX thats pretty darn good I dont have any negative items on my credit report no past due bills no over the limits no nothing The second reason balance to high compared to credit limit again I dont know where youre getting your information yes I have a couple cards that I use and I use every month so it appears that theres always a balance but the vast majority of my credit cards have XXXX balance are you sure youre still looking at the same XXXX XXXX report that Im looking at I dont know how your information could be so much different In the white sweater you mentioned that I had a previous account with you credit obligations but that wasnt true either I have never had any accounts years ago there was a identity theft situation and I believe Chase may have been one of the banks in account was opened with but all of that had been resolved years ago you were supposed to remove any obligations from your records and mine so why are you still showing on your end that I had an account with you? 

There is just a lot of an accurate information from what I can tell and even though I have asked for an answer before explaining whats going on youve chosen not to give that to me so now Im messaging you on here I want answers to my questions its not unreasonable I have good credit Im a good customer I dont think any of my credit cards would have anything negative to say about me I have income I will have additional income separate from my salary from rental propertiesWhat are the real reason youre not approving my application?
Consumer complaint received 2016-01-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Recovery Group (TX)

I HAVE A COMPANY THAT CONTINURES TO CALL MY CELL PHONE AND I HAVE INFORMED THEM I AM NOT THE PERSON THEY ARE LOOKING FOR. THEY CONTINUALLY CALL EVERYDAY. THIS TIME THEY HAVE CONTACT 7 TIMES WITHIN 5 MINUSTED OVER AND OVER. THEY ARE CALLING MY CELL XXXX LOOKING FOR XXXX XXXX AND I AM XXXX XXXX.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have this items that does not belong to me and i want it to be remove from the 3 reporting agencies. 

XXXX  1. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX and Equifax and XXXX will investigate this account for me to ensure accuracy I asking you to verify as accurate : account name : - XXXX XXXX XXXX account numberXXXX
Consumer complaint received 2021-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

This account is a reinsertion that was put back on my credit report. They sold my account to another debt collection agency after removing it from my credit report. This account was put back on my credit report this month of XXXX from XXXX XXXX XXXX XXXX. They are also partnered with XXXX XXXX XXXX and sold my account to them. I sent them a letter back in XX/XX/2021. According to the FCRA they have 30 to validate my debt and if they do not this account have to be deleted due to a violation. That's what transpired. The account was deleted from my credit report. I have the copies of the letter and also have the certified receipt. As of XXXX of this month this account was put back on my credit report. They sent me a bill of this account with a new creditor Phoenix Financial services instead of XXXX XXXX XXXX and have the original Creditor XXXX XXXX XXXX XXXX. That's when I realized XXXXXXXX XXXX XXXX  sold this account. I was never notified although the bill says second request. I demand a deletion of this account from my Credit report. Also they never had my XXXX XXXX XXXX XXXX address to even send me a second request. I was never notified. That's how I also know XXXX resold my account to them. Due to sending out the first letter back in XXXX 2021.Thanks for your assistance.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (PA)

Arc Home LLC failed to release the mortgage I paid off approximately 2 1/2 years ago. I am selling the property and Arc Home LLC will not provide the release of mortgage to the buyer 's title company. Their failure to do so is interfering with my property rights. Dealing with the company and their mortgage servicer, XXXX XXXX, is a nightmare. 
I have made numerous calls, have spoken to many people, both at Arc and at XXXX XXXX, to no avail. 
Please help an aggrieved consumer so that Arc and XXXX XXXX might learn how to service a mortgage and a former customer. 

Thank you.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (CT)

I have American Express cards. As a consumer, I have found that cable TV providers and other commercial actors often try to lull me into inadvertently signing up for recurring charges. I have tried to search my American Express accounts online to identify all my recurring charges, so that I can regularly look at a list of them and weed out the ones I don't want or didn't know I had acquired. American Express has no such search option. They told me to look through successive monthly statements on my own, and see for myself if certain charges recur. 

XXXX! I am sure they can provide such a search function with ease. They should be made to do so. There are more and more commercial actors defrauding consumers for dollars and pennies at a time, by imposing unwanted recurring charges. Credit card companies should be compelled to take the consumer 's side in this fight, and give us a way to screen our online statements for recurring charges. See, e.g., the way the website XXXX operates.
Consumer complaint received 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

Accidentally paid off loan twice I thought. One main financial would n't talk to me for a year and a half until i had the XXXX Attorney generals office contact them. They finally contacted me after they contacted them regarding this matter. In talking to them and verifying payment. I found they received the certified check and cashed it. But they did not receive or cash the check from Home title company. So now One Main Financial has not reported to the local county that the loan was satisfied or the credit bureau. Also Home title will not release the funds until One Main Financial does so. So the title company have held onto my money for almost two years now without notifying me and no indication of when they will release it even though i provided proof that the loan had been paid in the form of a certified check. Also One Main Financial has not provided proof to the title company, the county that the house was sold, or the credit bureau.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I Equifax a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.XXXX  account number XXXX was deleted from my XXXX  credit report but not my Equifax how is that possible
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

equifax, both on the web and on the phone -- at hours they themselves by written word say they are available -- make false claims ; and won't enable me to lift the freeze. On the web they tell you to enter my email address ( XXXX ). But when I did as instructed they told me it didn't match the one on file, or, they sent a needed link to the secreted email name. They wouldn't let me in. And, that, after telling me I could lift the freeze easier thru the website, they belie their own words. Blatant, fraudulent actions SOLELY ON THEIR PART. Those people are evil liars. And since, in writing several ways/times, they purposely SWITCH the rules. CLEAR LAW BREAKING!!! 
Next, I tried the phone GRUELING/TORTUROUS as it was, about six times for a minimum total each time of TWENTY minutes. Even when they sometimes say they'll put me through to an agent, the ultimate response is : call back when they are there! BUT, THEY WROTE, they WERE there then. Another MISREPRESENTATION. 
AND what is the only option they gave me? That I MUST give them my mobile number, and I NO LONGER HAVE ONE. Though I've TOLD THEM ON SEVERAL PREVIOUS ENCOUNTERS with them that they need an e-mail or voice-call option workaround, DOGGEDLY they HAVE NOT provided those REASONABLE ALTERNATIVES. And they violate the statutes again by INVOKING AN OBSTRUCTIVE CONDITION the LAW never REQUIRED. THEY'RE NOW LAWMAKERS AND LAWBREAKERS in their own little ALL-CONTROLLING, ALL-PWERFUL, SADISTIC-OBSTRUCTIVE bubble of a world. 
GENTLEPERSONS, it's time you BURST their bubble!!! 
AND, those of them who have designed that implement of MEDIEVAL TORTURE and BY INACTION AFTER POLITE PETITION FOR CHANGE refused thereby to STAY AN ILLEGAL COURSE OF ACTION, WELL, THEY NEED TO BE BROUGHT BEFORE A GRAND JURY AND be INDICTED, TRIED AND CONVICTED of all their WILLFUL, PURPOSEFUL violation of The Laws, be IMPRISONED FOR AT LEAST FIVE YEARS!!!!!!!!!! I contacted my lender, and she said MANY OTHER CONSUMERS had had this experience with Equifax. THEY NEEDTO BE FINED, and FORCED to alter their setup to one MUCH MORE HUMAN AND REASONABLE. 
They could use XXXX  or XXXX  as MODELS for their OWN NEEDED redesigns!!! 
XXXX  and XXXX  were a joy to use : freezing OR UNfreezing of credit accounts. 
THE ONLY rotten apple is Equifax. 
Please PURSUE EVERY course of action you can IMAGINE against Equifax itself WITH HEFTY FINE AND PENALTIES ; AND EVERY TORTUROUS turn of the SCREW against THOSE EVIL PETTY DESIGNERS/RULERS of the Equifax MACHINE. 
They NEED to SERVE some PRISON TIME. You can begin with a MINIMUM PRISON SENTENCE of FIVE years. 
PLEASE GET THEM!!!!!!!!!! 
THANKS!!!
Consumer complaint received 2021-06-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.