davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX XXXX '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 
XXXX. False swearing : ( a ) False swearing in official matters. A person who makes a false statement under oath or equivalent affirmation, or swears or affirms the truth of such a statement previously made, when he does not believe the statement to be true is guilty of a misdemeanor of the second degree if : ( 1 ) the falsification occurs in an official proceeding; or ( 2 ) the falsification is intended to mislead a public servant in performing his official function. I XXXX ; private man ; now make it known to all interested parties : Whereas This Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof... The false representation or implication that any individual is an attorney or that any communication is from an attorney. 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S. Code 1692g Failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692i Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Other violations : 12 U.S. Code 411- Issuance to reserve banks ; nature of obligation ; redemption 18 U.S. Code 8 - Obligation or other security of the United States defined 18 U.S. Code 914 - False personation ; Creditors of the United States 18 U.S. Code 1341 - Frauds and swindles
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I am emailing In regards to the {$210.00} In overdraft fees charged on my account from XXXX. Most of these fees where charged after I was successfully pay off the balance before XXXX EST on the dates in question. I called about It once and got a lame explanation from one of your representatives. Why should I be responsible for overdraft fees when I paid off the balance to prevent one before the business day is over? 

In addition, who charges overdraft fees after paying money towards a business account that's overdrafting? Thats very sick and evil. 

I politely, yet sternly demand that Wells Fargo refund me {$210.00} dollars or risk loosing me as a customer of two accounts.
Consumer complaint received 2019-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (IL)

I was told that I needed to sign up with the company for a loan forgiveness plan. I have been paying the company American Financial Benefits Center since XXXX and none of the money paid went to paying off my loans as I was told it was. XX/XX/XXXX until XXXX of XXXX I have been paying {$99.00} to AFBC for nothing. The first 9 months of the plan I was paying them {$190.00}, totaling in about {$4500.00} I have paid to the company for absolutely nothing.
Consumer complaint received 2022-01-23
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: Atlanticus Services Corporation (TN)

in XXXX XXXXmy card was charged {$15.00} i reported it to Aspire, they sent me a new card now 2 months later i have been charged late fees and can't get through to the company it's up to {$66.00}
Consumer complaint received 2023-01-13
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: CBC Companies, Inc. (CA)

I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: United Collection Bureau, Inc. (FL)

I had an overpayment from XXXX with the Florida XXXX  XXXX XXXX XXXX, that was discharged in my Chapter XXXX Bankruptcy XXXX. I provided XXXX and their benefit payment unit a copy of my bankruptcy. I currently have an active, and payable unemployment claim. However, the XXXX contracted collection agency, United Collection Bureau, is garnishing 100 % of my state benefits to recoup my overpayment with them that was included in my chapter XXXX bankruptcy. I sent copies to XXXX, and United Collection Agency to  cease all garnishments of my state benefits to no avail. This is a direct violation of federal law namely section 524 of Title 11 of the United States Code, otherwise known as a bankruptcy discharge violation.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have request that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have update my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Loqbox US Inc (OK)

On XX/XX/XXXX someone open a account in my name I reported it as fraud loqbox they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. 

I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either
Consumer complaint received 2024-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: EQUITY LOANS LLC (NJ)

My taxes have been reassessed for the new year as the house is a new construction. My taxes dropped by {$5300.00} a year. The old tax amount was {$13000.00} and the new tax amount is {$8600.00} and EPM Mortgage company has submitted that my new taxes are {$19000.00} a year. I have requested for EPM to view the tax documents received from the town and to update our tax amount. This has been ongoing since XXXX. Everytime I call EPM no one knows what they are talking about. They have raised my monthly mortgage payment well over {$5.00}, ooo when it should in fact be a lot lower than what I was originally paying since my taxes went down about {$5300.00} a year. I've requested multiple escrow analysis and updates to our tax amounts. Nothing has been done to correct this issue.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The following errors contained in the consumer reports provided to them by your bureau are causing lenders to take adverse actions against me. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have request that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have update my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TN)

I had XXXX insurance at the time I went to XXXX. I paid my {$10.00} deductible. No XXXX   work was done at all. The bill would have been turned over to my XXXX insurance carrier. That is the XXXX office job to get that done. I have sent numerous letters, copies of the bills. XXXX XXXX  has a history of doing this to people. Their is a trail of same thing over and over. Please see this gets removed from my credit report and a letter sent to me it has been cleared. Thanks.

RADIUS GLOBAL SOLUTIONS Last reported XX/XX/2019 {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX CONTACT INFO RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with Experian, XXXX and XXXX. XXXX XXXX XXXX has verified and certified the furnished information is accurate. I then did my own investigation and determined that XXXX does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale XXXX credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to XXXX credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires XXXX credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to XXXX XXXX they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (SC)

MY LOAN WAS SOLD TO A MORGAGE COMPANY CALLED NEWREZ. WHEN I CHECK MY CREDIT REPORT MY HOUSING LOAN IS NOT THERE. I HAVE LEFT MESSAGES ON THEIR ONLINE WEBSITE AND THEY HAVE NOT RESPONDED. I PAY ON TIME AND THIS IS EFFECTING MY CREDIT SCORE. THEY HAVE GONE BEYOND THE PERIOD THATT HEY HAVE TO REPORT THIS.
Consumer complaint received 2022-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back
Consumer complaint received 2022-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

THIS IS THE SECOND TIME I AM HAVING SIMILAR ISSUES WITH WELLS FARGO, I LOVE BANKING WITH THEM BUT THEIR CONFLICT resolution/CUSTOMER SOLVING SKILLS ARE LACKING. I RECENTLY TRAVELED TO XXXX DUE TO LOSING MY GRANDFATHER, WHILE THERE, I COULDN'T NOT CONTACT THE OUT-OF-COUNTRY CUSTOMER SERVICE NUMBER THEY PROVIDED, I COULD NOT SPEAK WITH AN AGENT. I WAS LEFT TO DEAL WITH THE ISSUES AT HAND. I WAS CHARGED ATM FEES INTERNATIONAL AND WELLS FARGO ( NOT A BIG ISSUE ). WHILE THERE I RECEIVED A PROVISIONAL CREDIT DUE TO GETTING A DEPOSIT OF CHILD TAX CREDIT. NOW, I LIKE THE IDEA BUT THE ISSUE IS I WAS NOT INFORMED PRIOR, MY BALANCE HAD INCREASED, WHILE IN XXXX I WAS TRYING TO CONTACT WELLS FARGO TO SEE WHY MY BALANCE WAS SO HIGH BUT I COULD NOT REACH AN AGENT. WHEN I GOT BACK, I RECEIVED A LETTER AFTER THE CREDIT HAD BEEN APPLIED AND WAS BEING TOLD THE MONEY WOULD BE TAKEN OUT OF MY ACCOUNT AFTER 60 DAYS. WE ARE IN A PANDEMIC, YOU CAN'T JUST GIVE CREDITS AND EXPECT CUSTOMERS TO PAY, WHAT IF I LOSE MY JOB? WHAT IF MY FINANCIAL STATUS CHANGES? THE IDEA IS GREAT BUT COMMUNICATE WITH CONSUMERS PRIOR, AGAIN WE ARE IN A PANDEMIC!! ALSO, I WAS TOL ID GET AN OVERDRAFT REVISION OF XXXX DOLLARS I RECEIVED XXXX, EVERY TIME I CALL TO INQUIRE ABOUT FEES I AM ASKED TO STOP OVERDRAFT PROTECTION, WHY? I AM NOT OFFERED A SOLUTION BUT TO TUEN OFF OVERDRAFT PROTECTION. I DON'T MIND PAYING FEES WHEN THEY ARE REASONABLE NOT WHEN WELLS FARGO DECIDES TO CHARGE NONSENSICAL FEES. I LOVE BANKING WITH THEM BUT THE SERVICE NEEDS MAJOR IMPROVEMENT ESPECIALLY DURING THESE TIMES. THEY NEED TO COMMUNICATE BETTER AND OFFER SERVICES THAT WILL FIT CONSUMER NEEDS.
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

On XX/XX/XXXX XXXX placed an account on the collection which I quickly disputed, and a resolution was achieved. All negative items relating to XXXX and XXXX collection were removed. 

On XX/XX/XXXX another collection agency place the same collection item for the same amount, same creditor but new date. This is illegal and it's hurting my credit report. 

They must remove the account asap as it's not mine and I already proof such once. I want a letter from them removing such items from all credit reports.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

No access to savings at Capital One Bank. The bank has restricted access to large chunks of my savings for several days, even though the funds have been transferred from my previous bank. I'm essentially without access to my money while Capital One " processes '' the money transfers for extended periods of time up to a week. This has happened with both the checking and savings accounts. Capital One customer service has been either been unresponsive or provided false information. 

I opened a Capital One XXXX savings and checking accounts on XXXX XXXX. At the time of account opening, Capital One gave me the option of transferring funds to the new accounts. I used this option to put several XXXX dollars in my new Capital One savings account, but the deposit never went through for unexplained reasons. Capital One never informed me that the initial deposit of didn't go through -- I had to find out on my own when I checked my new accounts on XXXX XXXX After the initial transfer failed, I conducted a second transfer attempt to my Capital One savings account on XXXX XXXX. The funds ( the same amount as initial deposit attempt ) left my XXXX XXXX checking account on XXXX XXXX but were not accessible in my Capital One savings account until XXXX XXXX. 

I called Capital One customer service on XXXX XXXX. They advised that a faster transfer would occur to my Capital One Checking account ( since XXXX XXXX is also a checking account ) and that I'd have almost immediate access to the funds. From there, it would quicker to get funds into my Capital One savings account ( which pay interest ), my ultimate goal. 

On XXXX XXXX, I conducted a much larger transfer from my XXXX XXXX checking account to my Capital One checking account, as advised. This amount, nearly all my savings, left my XXXX XXXX account on XXXX XXXX. XXXX XXXX is still " processing '' the transfer but says I won't have access to my funds until XXXX XXXX at the earliest! Capital One customer service refused to speed up access to my funds or return them to my XXXX XXXX account. 

The end result is that I'm left without access to nearly all my hard earned savings for more than a week. I simply don't trust Capital One bank when it comes to handling deposits.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

This complaint is a continuation of complaint XXXX. Since XXXX of last year I have tried to constantly resolve an issue of a balance transfer that was done in error by Citi bank. The company offered me a 0 % balance transfer rate and every month, I keep getting charged interest and I keep getting a rash of excuses of why the issue is not fixed. I've heard, well, your payment was late, you do not have a promotional rate, and the last couple months is, that is interest that was carried over and we will remove in on the next statement, but they expect me to pay the interest which is forcing me to pay more than the minimum balance every month. Since XXXX, the interest is detailed on my statement as XXXX XXXX XXXX like part of the offer is subject to interest. I have tried to resolve this and keep getting the lame excuses of why it is happening and the continued harassment and what has actually amounted to about 12 hours of my time, wasted. Phone calls, complaint letters, pouring over statements, etc. This time, I spoke with XXXX XXXX, XXXX. I am asking for the Bureau to step in and make a phone call because my actions of calling, complaining, and writing letters does not seem to be motivating enough to fix the problem. All someone has to do is go into the account and type in the right information and this seems to be too difficult for Citi bank. Citi bank is being willfully negligent at this point.
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NC)

I received an email today, XX/XX/2023, from Transworld Systems incXXXX about a debt from XXXX for {$380.00}. I have never owed an account with XXXX and never received bills for said account. No notice of debt before today.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.