davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (OR)

In XX/XX/XXXX I ordered a XXXX XXXX and agreed to switch to them from XXXX in order to cash in on a promo to get a newer XXXX. I did and when the new XXXX arrived it was cracked, I went to activate the phone anyway because my old phone was super messed up but decided to ultimately return it once I couldnt get through activation successfully. So I sent the new XXXX back and also have screenshots where the agent said that I would NOT be charged. 
I started getting warnings from XXXX in XXXX that it may go to collections agency. I ignored it but kept for my records. 
I believe it went to collections first in XX/XX/XXXX with XXXX XXXX XXXX for {$1200.00} in the form of a mailed letter/invoice and in XXXX it looks like I received another letter from a company called XXXX, XXXX XXXX XXXX XXXX this time with added interest totaling {$1500.00}. 
I ignored both of these but kept them for my records because I knew Id eventually have to dispute. 
In XX/XX/XXXX of this year, I started getting emails for a charge of ( {$1500.00} ) from a collections agency, Transworld Systems ( TSI ). 
I disputed it via XXXX in XX/XX/XXXX within the time frame that TSI said I needed to. ( Dispute file # XXXX ) In XXXX they were still sending me collections requests but their email was different as it no longer had an option to dispute it within their email. I got two emails in XXXX and just got one this month, XXXX. I may have been getting more emails every month but accidentally deleted them from my inbox Im not sure. 

On my current credit report, its listed as CLOSED so why am I still receiving collections emails from TSI. Is this illegal? I cant tell if they ever listed it as disputed on my credit report, it doesnt say anywhere on my update credit report.

Thanks for any help!

I have the full 6 minute video of the chat with the XXXX agent it would not let me upload the full file unfortunately.
Consumer complaint received 2020-08-17
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: General Motors Financial Company, Inc. (CA)

I made a payment arrangement with GM Financial on XX/XX/2020 for my XXXX payment which was due on XX/XX/2020 and for my XXXX payment due XX/XX/2020, both to be paid on XX/XX/2020. I expressed during the XX/XX/XXXX arrangement that my payment tardiness was due to Covid-19 related issues. I gave them my checking account and routing information to secure payment arrangement. On XX/XX/XXXX and XXXX I received notices that my credit report had been updated and my credit score dropped 41 points because I'd been marked with a 30 day late on my credit reports. I called GM Financial to discuss the matter and asked them to remove the late payment because I believe I'm protected under the cares act that states : If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 

GM Financial stated during the XX/XX/2020 phone conversation I initiated that it was up to their discretion as to how they report late to the credit reporting companies and that their specialists will not reverse the 30 late.
Consumer complaint received 2020-08-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Account Resolution Corporation (MO)

I have 3 accounts in collections with Account Resolution Corp and have been trying to get them resolved one by one. Today XX/XX/XXXX I called to make sure a payment was received for one of the accounts which I was told by one representative it was on XX/XX/XXXX. She was about to note the account & put the request to have the account removed " adjusted '' from my credit and the call was lost. Per my last call ( before the payment ) on XX/XX/XXXX, I spoke with XXXX who advised that it would be removed from my credit and they report every Friday I believe. I was disconnected from the first rep today and didn't get her name so I called back and got XXXX. I believe I spoke with him before in the past and he was very rushy and rude and at first didn't even show I had made the payment. I was also trying to pay on another account and all he seemed concerned with was the payment which was only {$89.00}. I tried advising to him I had just talked to another rep and was disconnected and asked if I could talk to her. He never transfered the call and continued on. He never gave the mini XXXX either.I explained to him I just wanted to talk to the last person since I didn't have a lot time. I just wanted to make sure the other account was taking care of before proceeding. He said he'd have to place me on hold and look into this for the adjustment. Once I told him I would just call back and look into or contact someone else he became more irate insisting payment and made a remark that contacting someone else wouldn't do me any good. I was very upset upon the end of this call and just wanted the information to get these cleared up but I feel he was very insensitive of my situation and was very unprofessional.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I am undergoing the home loan process and as part of underwriting the loan provider found one of my student loans has not been reported on since 2014. I receive updates from Wells Fargo regarding the status of the loan, and have been trying to contact them to verify the status of the loan ( payments, balance, etc. ) but they have not responded to my attempts. 

This loan was originally through the XXXX XXXX, but now is serviced through Wells Fargo. Frankly, I am doing this because I dont know what else to do. I have tried calling Wells Fargo but nobody there seems to know anything about the loan, and my emails to the individual who has sent updates in the past ( XXXX XXXX ) have gone unresponded to, and at this point I am starting to get genuinely worried that this is going to ruin my attempt at purchasing my first home.
Consumer complaint received 2020-08-17
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)

There are accounts on my credit report that do not belong to me I have tried many times to get these accounts removed from the credit reporting agencies but it is still not done. I have never done business with any of these companies and this is effecting my credit negativity and it is stopping me from buying a home.
Consumer complaint received 2020-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One supports XXXX by refusing refund {$780.00} for services that were never rendered and were cancelled in accordance with COVID-19 Government Regulations. I paid with Capital One credit card to 3rd party broker XXXX  for XXXX XXXX reservation in XXXX FL, for 1 night XXXX for {$780.00}. Night before the reservation, on XX/XX/XXXX, city was closed by Mayor orders due to Covid-19. I promptly called XXXX and contacted their customer support chat informing of cancellation. Customer support assured me they will resolve matter within 21 business days. After 21 business days no refund was issued. I called Capital One and requested chargeback. Two months later to my surprise, Capital One reversed charge back ruling in their favor. I was shocked, called Capital One back, Capital one said they need proof that XXXX never charged me for reservation. I obtained proof from hotel directly in the email confirming reservation was cancelled and never charged. Called back Capital One to show them that evidence they requested was obtained. Capital One now said that I am still not entitled, even though I provided support that they initially promised would support the basis for favorable despite resolution. Confused, incompetent work on Capital One side. Services were never rendered, reservation was never charged by hotel, crooks from XXXX perpetrated fraud and Capital One defended in XXXX 's favor. Was shocked to learn that Capital One can support fraudulent organizations. Additional support and communication provided.
Consumer complaint received 2020-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jacob Law Group, PLLC (AL)

I received a letter today from JACOB LAW GROUP , PLLC. The letter stated they were collecting on a judgement from XX/XX/2004. First off this alleged debt is 16 years old which is way outside the statue of limitations in ANY OF THE 50 STATES WHICH IS VIOLATION NUMBER ONE. I HAVE NOT SIGNED ANY DOCUMENTS OR DONE ANY BUSINESS WITH JACOB LAW GROUP. IAM ALSO SEEKING LEGAL ACTION AGAINST THEM FOR ATTEMPTING TO COLLECT ON AN OUT OF DATE ZOMBIE DEBT. I WILL ALSO BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OF ALABAMA, TENNESSEE, AND ARKANSAS. A FORMAL COMPLAINT WITH ALSO BE FILED WITH THE FBI FOR FINANCIAL CRIMES ALSO. IAM ALSO FILING A FORMAL COMPLAINT WITH WITH EACH STATES BAR ASSOCIATION FOR MISCONDUCT.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (GA)

Hello- Pulled my credit report and noticed a closed collection with XXXX balance from XXXX. I am not aware of this debit and have never been contacted by the creditor. I am asking for this derogatory report to be removed from my report as I don't believe it belongs to me. 


Thank you!
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

At my bank I was needing to pay for for some packages and was was making some withdrawals plus using my debit card for payments. They began giving me trouble every time I needed money and I told them what it wa for but they pay no mind to me and froze my account and froze my debit card. They have held up my account for to long, five weeks and 3 days now, which is causing me problems without my funds. I have checked with them a few times but all I hear is we will call you, but Ive not heard from them thus far.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (LA)

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$400.00} XXXX   XXXX {$14000.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$87.00} XXXX   XXXX {$90.00}
Consumer complaint received 2020-08-17
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. (LA)

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$400.00} XXXX   XXXX {$14000.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX   XXXX {$90.00}
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (KY)

I had car loan through Honda Financial that was paid off in XX/XX/2019. During the whole life of the loan not one payment was missed or unpaid. On my credit history it shows my last payment was XX/XX/2019 but shows a late payment for XX/XX/2019. This is taking a huge hit on my credit report. I never received a late statement a notice NOTHING. I tried reaching out to Honda Financial multiple times they are closed. Please help take this off my credit report.
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

When the Student Debt Relief plan was announced, I called my loan servicer, Fedloan, on Saturday, XX/XX/XXXX to request a refund of student loan payments that were made during the forbearance period. 

I spoke with XXXX ( ID # XXXX ) who informed me since there were three payments, she would have to put in three different refund requests. The three payment amounts were XXXX, XXXX, and XXXX. She mentioned there wasnt a definite timeline as to when to receive the refunds, but it could be anywhere from two weeks to two months. 

I received two checks from the Department of Treasury on XX/XX/2022 : one for XXXX ( Chk. # XXXX ) and another for XXXX ( Chk. # XXXX ). As of XX/XX/2022, I have yet to receive the third refund of XXXX and its been more than 60 days. 

On XX/XX/2022, I called XXXX to inquire about the refund, and they still did not have my complete account information. I instructed them to add a note that I was awaiting a third refund in the amount of {$26000.00}. 

On XX/XX/2022, I called FedLoan to inquire about the status once again and the rep I spoke with, XXXX, explained that since my account had been transferred to XXXX, they no longer have access to any information regarding my account and instructed me to call XXXX. When I contacted XXXX, the rep I spoke with explained that since they werent the servicer that put in the request, I would have to call FedLoan. 

I have not been able to get a response or a concrete answer about the status of my third refund.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

After unsuccessfully trying to withdraw cash from my account, in which there were sufficient funds for withdrawal, at one Chase Bank branch, about which I filed a separate complaint, I went to another Chase Bank branch. At this second branch, at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, I again attempted to withdraw cash from my account. This branch said they did not carry cash either. Again, from the street, this looks like any normal Chase Bank branch, and yet clients are not able to withdraw cash from this bank. I think it is absolutely mad to allow a bank to open and advertise ( by both store signage and on XXXX Maps ) a bank branch and then not allow customers to withdraw funds after spending the time, effort, and money to travel to these branches.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CA)

almost every year someone from this company calls me to pay a traffic ticket and even they send me a letter to pay the ticket on their website. They act as if they are part of the police or high way patrol and or affiliated to them. Their collection letter looks the same. Perhaps they have those affiliations. But if a company uses their affiliation and call every year for a bogus claim that means they are using their power for fraud. It not possible that every year they have computer problem. or forget to close the file in the system and it was someone else fault. They are for sure doing fraud.
Consumer complaint received 2020-08-04
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. (AR)

I was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXXXXXX {$18000.00} USDOXXXX XXXXXXXX {$46000.00} XXXX XXXXXXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$26000.00} XXXX XXXX XXXXXXXX {$3300.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC (IN)

I have been working with a Credit Counseling service that was recommended by the state. They have been great! However, they sent their proposal to XXXX XXXX in XXXX! They have been paying XXXX. However XXXX sat on the proposal for about 2 months, allowing my account to become past due ( I can not afford double payments and the XXXX was going off of their past dealings with XXXX. ) Now it has dinged my credit score bad, and it is a huge negative on the score, though XXXX has finally acknowledged and agreed to the proposal.
Consumer complaint received 2022-11-02
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. (VA)

On or about XX/XX/2022, I learned that XXXX XXXX ( " XXXX '' ) placed a hard inquiry on my Equifax report, causing a reduction in my credit score. I had not recently requested additional credit from XXXX which refused to respond to my complaint and a CFPB issue is pending. I then asked Equifax to remove the inquiry and they also refused to remove the inquiry. I have been injured by a reduced credit score as a direct result.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MN)

Synchrony Bank contacted me in a letter dated XX/XX/2020 asking me for additional information to process a credit card application. I received that letter on XX/XX/2020. I immediately called their Fraud Line to let them know I did not make that application. In speaking with  the representative, I was told whoever made the application did it with my Social Security Number. Synchrony Banks Fraud Department also said they would note the file as fraudulent and I would be receiving a letter within a week which I needed to sign and return to expunge their search on my credit report. On XX/XX/XXXX I received another letter from Synchrony Bank about a second attempt for a credit card application in my name. I called the bank again on XX/XX/XXXX to discuss this issue. I was again told I would be receiving a letter to sign that would clear this up. When no letter showed up, I again called Synchrony Bank on XX/XX/XXXX to try to expedite the process. I still have not received this letter. I would like to get this cleared up and get Synchrony Banks search on my credit report expunged.