davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

I would like for the MIDLAND CREDIT MANAGEM to show proof of verification that I owe them {$64000.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30  days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Consumer complaint received 2017-10-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

About 6 months ago I received a phone call from this company stating that if I was to test drive a new vehicle and purchase the vehicle I was let out of my lease early and to my chagrin I accepted the offer only to be made a fool of from the dealership. 
I had two different car companies in the past make good on similar situation and I was no stranger to the phone call. I made a complaint with them and I was told sorry for the phone call and I was not going to be made whole on the issue on hand and I was told to make my payments current or else. 
I do have financial hardship and I really thought they were going to help me. My fault I guess for thinking Nissan really cared about me whenever they ask about my  hardship however all I hear now is ooh too bad, pay up will ya. Now the dealership just closed the doors without any notice.
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (TX)

Ive emailed them in XX/XX/2022 to remove the open loan off my credit because it is fraudulent I was told to file a complaint with FTC The loan amount is for {$13000.00} XXXX XXXX.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CO)

I would like for the WAYPOINT RESOURCE GROU  to show proof of verification that I owe them {$190.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Consumer complaint received 2021-11-22
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. (CA)

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to demand an immediate investigation and resolution regarding multiple fraudulent accounts and erroneous credit report entries listed under my name. Despite my previous efforts to rectify these issues, including filing a report with the Federal Trade Commission, the continued presence of these incorrect entries on my credit report is both distressing and unacceptable. 



Capital One Account Opened in XX/XX/XXXX : I categorically deny any involvement with or knowledge of the account showing a balance of {$470.00}. 

The account was opened without my authorization, and the contact information on file was erroneous. 



XXXX Account Opened in XX/XX/XXXX : The reported balance of {$59000.00} is entirely unfamiliar to me. 

I assert that I did not open this account and any claim to the contrary is fraudulent. 



Fair Sourcing and Collections Reporting for XXXX : The reported debt of {$19000.00} on behalf of XXXX is baseless as I have never engaged with either entity. 

The reporting of this alleged debt is not only incorrect but also raises serious legal concerns. 




These inaccuracies are causing me significant harm, leading to credit denials and tarnishing my financial reputation. This is a clear violation of my rights and I will not hesitate to pursue all legal remedies available to me, including but not limited to litigation, if these matters are not resolved promptly and to my satisfaction. 


This letter serves as a formal notice that I expect the fraudulent entries to be removed from my credit report immediately. Failure to act will leave me with no choice but to seek legal action for damages resulting from your negligence and the unlawful impact on my credit standing. 


Attached, you will find documentation corroborating my dispute. I demand a written response within 15 days of receipt of this letter, confirming the commencement of an investigation and outlining the steps you will take to rectify these errors. 


I trust you will give this matter the urgent attention it deserves.
Consumer complaint received 2021-11-22
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. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Repossession : XXXX XXXX XXXX  XXXX Balance {$4700.00} ; Accounts included in Bankruptcy : XXXX XXXX NEVADA, XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX XXXX XXXX Balance {$1600.00} ; Public record : XXXX XXXX : Bankruptcy Reference Number XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (NC)

My husband and I bank with PNC and someone obtained his PIN number and made a fake debit card and took almost {$3000.00} from us all with atm withdrawals. We live in XXXX and this took place in XXXX. It was never stopped and we were never notified. I was under the impression they had 10 business days to return our funds temporarily while they investigate. Here we are day 10 after we filed the claim with no credit to our account. XXXX have been told they do n't know when the money will be put back onion and that it could take as long as 45 days all awhile they are incouraging us to use my husbands credit card which is of course through them and suggest that I open XXXX as well with them. We are very frustrated as we have a child and have bills to pay.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Securus J Holdings, LLC (MI)

On XX/XX/2021, I attempted to purchases 100 " stamps '' through J-Pay, a company that provides electronic messaging between individuals who are incarcerated and those in the free world. There contact information can be found here : https : //www.jpay.com/ContactInfo.aspx Instead of processing my order for 100 " stamps '' for me to communicate with people in XXXX XXXX XXXX facilities ( which is what the page specifically stated when I placed the order ), they instead added 100 stamps to my account to contact people in XXXX XXXX XXXX system. I have attempted numerous calls to their customer service line ( which states they will provide support XXXX ), but I have not been able to contact a single individual and their automated system does not provide prompts related to this issue. Not only have they failed to resolve this issue, but they have also failed to respond to my email inquiry as to why they charge more money for stamps required to contact people in Florida 's prison system compared to stamps for people in Michigan 's prison system.
Consumer complaint received 2019-11-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC (CA)

I received a call from ( XXXX ) XXXX saying they were calling from D2 Management, I spoke to XXXX and she was trying to get me to confirm my SSN, I let her know that I didn't feel comfortable giving them my SSN, i asked her twice were she was calling from and she said D2 Management, I asked her for their phone number and she said it was on my caller ID and she hung up. I called the ( XXXX ) XXXX - XXXX and a lady answered saying hello, I asked were I was calling to and she said D-2 Management, I asked her what it was about and she said they were collecting for XXXX  XXXX and that they were doing it before XXXX  XXXX would take further legal action against me. I asked the lady for an account number to mail a check and she said that they do not take check only debit cards, I asked her again for an account number and she said that she didn't know what I was talking about and she said that she was going to get her manager, i told her that they are supposed to have an account number for my collections account and that they are not following the FDCPA rules and she hung up on me. I never recived anything from XXXX XXXX  or D2 Management stating that I owe them.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

My phone and and my purse was stolen and when I did buy a new phone I couldn't get access to my PayPal account and when I access my email I received a email stating this is receipt from PayPal cash out at XXXX I been trying for months to get my money back then there was couple of fraud accounts in my name and I contacted PayPal about they couldn't help I contacted XXXX no help there was over a XXXX dollars stolen from me using my PayPal or they would transfer money outta my PayPal to a fraud accounts then I found there was debit cards opened in my name that was linked to my PayPal to transfer money out from my paypal and I did everything I can recently PayPal taken {$710.00} outta my PayPal account that was held for 180days to pay for negative balance on those fraud accounts i told them those were fraud accounts i told them my social security card and my birth certificate, State ID was stolen and still no help I work hard for my Money as a single mom
Consumer complaint received 2021-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau (IL)

Medical Business Bureau XXXX XXXX XXXX XXXX XXXX, IL XXXX To : The XXXX XXXX XXXX XXXX for Medical Business Bureau From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX CRF XXXX, Title XXXX USC XXXX, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (GA)

My payments were origionally & routinely drafted from my checking account from XXXX of XXXX thru XXXX of XXXX by TransWorld Systems , Inc. Without any notice, my draft was discontinued in XXXX of XXXX. I have tried to contact both the US Dept of Education, my origional lender & the third party company listed as TransWorld Systems , Inc. The US Dept of Education tells me they no longer assist me becuase they do not service my loan any longer. I can not speak with anyone at TransWorld. Their automated system says they are not allowed to speak due to a retraining order placed by the US Court, Judge XXXX. So, my understanding is they can not accept payments while under a lawsuit. However, I am trying to obtain a FHA mortgage and I can not close until my payments are current & XXXX is cleared. 
I am in desperate need to get this resolved. The number I have for TransWorld is XXXX. I have left numerous messages with no return call.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My mother paid off an entire bill when it was due last month and still got charged interest or late fees How can that be? ( we had joint accounts because I was repairing my credit ) I was making monthly payments as well but Capitol One kept telling my mother that no payments were made for months, ( my bank statements will verify this is not true ) We requested for the account to be closed permanently and was charged a fee. Capital One has the worse customer service, banking issues and credit account problems. Capital One uses a call center with most of the customer service people didn't understand what I was saying and kept putting me on hold, a manager I spoke to wasn't helpful. I want this account CLOSED, my mother called several times and yet this account is still open. I called but was told since I am not the primary account holder I can not closed the account. This account is still open. 

How many phone calls and complaints does a person need to make in order to close a credit card???? 
My mother and I have called to close this account and to no avail late fees/ interests were charge after it was paid off.
Consumer complaint received 2022-05-23
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: HYUNDAI CAPITAL AMERICA (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Unknowingly responded to an email, see photo attached. My bank account was hacked, my computer taken over, while I was online on my bank acct. Funds were transferred without my permission through XXXX, which I never opened up or used, to XXXX, and XXXX in the amount of $ XXXX to each. I filed a fraud report with Bank of America, XXXX fraud line, XXXX, FBI and NM State AG immediately. BofA told me it would take XXXX days to investigate. No instructions for follow-up were given.
Consumer complaint received 2021-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (IL)

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX To : The Office of XXXX XXXX for Spring Oaks Capital , LLC From : XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX , together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX CRF XXXX, Title XXXX USC XXXX, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called and made a payment over the phone on XXXX XXXX, XXXX for {$300.00} and was to be applied to suspense. Then I made another payment on XXXX XXXX, XXXX for {$600.00}, which that should of left me XXXX in suspense to help me make a full payment in 2 weeks. However, I called on XXXX/XXXX/XXXX and the agent was rude, would not answer my questions, I would ask her something and she would say we are not getting any where cause you do n't understand. I told her I understand I do n't think you understand how to read the system. because she would not and did not answer me about my {$600.00} payment that I requested to know what month the payment posted for and what happened to the extra amount is paid on the account. She placed me on hold for 10 minutes and never came back on the line. I finally disconnected the call. I was so mad that she was talking over me that I had to pull over and calm down because I was so mad after she placed me on hold and never came back on the line. I should have XXXX in suspense. If anything was paid besides my mortgage the payment {$600.00} must be rev & reapplied to satisfy my payment and the rest in suspense. No fees should be paid.