davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XXXX XX/XX/XXXX, I contacted Capital One in regard to an error message that I received when trying to open a checking account. I contacted the Company and spoke with a XXXX representative. She wanted to verify my identity. In doing so, she asked did I open a checking. I told her no. She continued to ask me that and I finally stated, " Ma'am, if you see a checking account in my name then it's fraud ''. " I only have a credit card with Capital one ''. She put me on hold for a long time then came back and said everything was " fixed '' try again in XXXX XXXX. I asked questions and she just said I can't give you any information. On XXXX XXXX, I tried to login, this time the last 4 of someone else 's SSN popped up. So, I called, this time a XXXX representative repeatedly told me I can't give you any information. I explained it's fraud and I wanted to know more about the account that showed my name, address, email and phone number. He also stated, no account was open in your name, that's all I can tell you. Well since then I haven't been able to login my account. Today I called and spoke with a male representative on the credit card side, due to not being able to login my account. He tried many avenues to assist me in gaining access to no avail. He spoke with the banking side, and they told him it was fraud, and someone had in fact opened an account in my name, but it was " fixed '' however, I still can't login my account. He submitted a request for more information as to why. He transferred me to a " Manager '', the XXXX representative got on the phone and immediately said, " there an attempt for someone to open an account ''. When I asked for the information, such as when did this happen, he then stated, " I can't give you that information ''. I said if it was an attempt then why wasn't I contacted and how is it that their SSN shows up and not mine. As well as I still can't login my account due to this fraudulent SSN. My SSN has a fraud alert on due to my identity being stolen in XXXX. I informed him that no one asked me to verify myself as the legal owner. He told me that I had to fax to them a statement requesting information about the account, as well as documents verifying that I am who I am. I informed him that once the fraud was discovered I should have been notified in writing from them and that did not happen. This is very bad business practice for any banking institution.
Consumer complaint received 2020-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

FedLoan servicing reported to XXXX this month that I was 120 days late on my student loan. I paid all my loans off with them as of XX/XX/2019 when I consolidated with XXXX. When I called them they told me they had not report to the credit bureaus since XX/XX/2019, which I proof that they have on my credit reports. They are impacting my credit since are report 16 accounts with them as currently 120 days late which they can not be since I OWED NO MONEY. They are impacting my ability to buy a home, buy a car or even if a job I apply to needs to look at my credit report. I want this mistake cleared ASAP
Consumer complaint received 2020-08-12
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: U.S. BANCORP (FL)

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

On XX/XX/XXXX Weltman, Weinberg , & Reis Co. LPA responded to my complaint by saying that any temporary agreement would not cease the legal process. I believe there were multiple unfair and deceptive issues in that claim. The first one being the representative I spoke to in XXXX said that $ XXXX was not an acceptable arrangement. If the arrangement was not meant to stop the legal process, why would there be a minimum dollar amount? I believe that the " Least Sophisticated Consumer '' would believe if there was a minimum dollar amount required for an arrangement, it would stop collection attempts while the arrangement is active. In addition, when I asked what would be an acceptable dollar amount, I was advised that it would be $ XXXX. After deep consideration of my finances, I agree to the dollar amount. Only after I agreed to pay the {$75.00} was I told that it wouldn't stop the legal process. Again, I believe that the " Least Sophisticated Consumer '' would believe that if I was provided a dollar amount for an arrangement, it would stop the legal process. 

This brings me to the last issue at hand, in the firms response on XX/XX/XXXX, I was encouraged to contact them to discuss a permanent agreement. On XX/XX/XXXX, I decided to take them up on that offer. I reached out to try to set up a payment arrangement to stop the legal process. I was advised the only way for that to happen would be to pay the account in full or settle the account in a lump sum. I believe that the " Least Sophisticated Consumer '' would believe that since payment arrangements were being discussed in the firms response, that the permanent arrangement would also payment arrangements.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Fidelity Services, LLC (NJ)

I received a debt collection letter from Midwest Fidelity Services LLCXXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Re : XXXX. I responded immediately with certified mail and return receipt mail it was signed for on XX/XX/2023, received. XX/XX/2023, the debt appeared on my credit report for {$320.00} for XXXX XXXX XXXX who never did any transport for myself, or XXXX XXXX I have no collections or late payments on my credit report. This has lowered my credit score XXXX points and affected my refinancing of my home. I sent more letters to the collection agency and the Attorney General of the the state of XXXX  XXXX for the predatory collection practices. 
I have XXXX dollars in available credit why would I not pay any debts. This company has tried to collect a fraudulent debt and has tarnished my credit, please help.
Consumer complaint received 2020-09-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

I have a Citi Bank credit card that has been turned to an attorney for collections and a judgement has been issued against me and I am trying to short sale my house and the attorney handeling this account is not willing to issue a partial release or negotiate a settlement so my home can be sold opposed to being foreclosed upon. I was never served by the attorney or Citi Bank therefore I feel the judgement is invalid. I am asking for assistance in getting Citi to resolve this issue.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AL)

i sent letters to CONVERGENT OUTSOURCING on XX/XX/2020 and XX/XX/2020 and have not receive anything from them concerning the alleged debt of XXXX that i don't owe.I know that it is a violation for not responding within the 30 days allowed, and i am planning on contacting my attorney to handle this matter.i have attached the copies below for my record.
Consumer complaint received 2024-02-08
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. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX Account.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Two months ago receive a message with a code and to call the Customer Service to find out the meaning of the Code. First time I was transferred to 'Credit Customer Service ; that couldn't tell me the meaning of the code, to wait for a letter for an explanation. Waited over 10 days, called back similar process but this time they told me that " the new card was not going to be shipped, probably the account was closed.To wait for the letter ''. Waited a few days, sent an email asking what was the problem, no response. Waited a few more days, called back and after being transferred several time somebody told me that the decision to close account was made and there was nothing I could do nor she could tell me why it was closed '' I have had this card for over 30 years, I have reviewed statements back to XX/XX/XXXX and pulled copies of the statements from XX/XX/XXXX to XX/XX/XXXX the account has never been late, payments made on time and most of the time above the Minimum Payments, balances have being paid off several times ahead of time, the card has been used reguland my reward is a cancellation with total silence and ignoring my request to a reason for their action
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on XXXX end. I've called XXXX and was told to call the 3 Credit bureaus about the errors reporting on my file
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on XXXX end. I've called XXXX and was told to call the 3 Credit bureaus about the errors reporting on my file
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I called and inquired about the alleged debt that they was reporting on my credit report and asked them to stop reporting it on my account as I do not have any business with them or the company they said that they bought the debt from ( XXXX )
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Yes I'm writing this complaint on behalf of myself and my fiance which we have been customers for years even when it was first XXXX on XX/XX/XXXX we were defrauded out of XXXX from my Huntington bank account through a zelle app which is connected to my account. after searching and saving for a place to rent! 4 months and a half on XX/XX/XXXX XX/XX/XXXX XXXX XXXX. I was contacted buy a person claiming to be the landlord of the property at XXXX XXXX XXXX XXXX and they were willing and ready to rent it out at that time .after several conversation We Came Upon agreement for the rent and deposit for the property on XX/XX/XXXX I was contacted by a person name XXXX XXXX XXXX and he worked for a company call Safe escrow payment through XXXX XXXX XXXX and that they manage the property for the seller he gave me an account number and the route number. for wells and fargo acc.to deposit a cashier 's check which i atempted. but had to redeposit into my account they informed me that my bank also deals with XXXX which I didn't know nothing about I got in touch with my bank and they assisted me on how to activate the XXXX that's on my account! by it already being connected to my account I had no idea that it wasn't insured like I said it was my first time ever using this app the next day I contacted the bank after I didn't receive the keys overnight and put a halt on the payment I would at least think that my financial institution would at least try to help me or direct me into a Direction so I can be helped instead they sent me a letter stating that I'm on my own! now who want to have an Institutional backing like that
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was a victim of identity theft. I sent my FTC report to TransUnion LLC along with my lease where I was living at the time of the fraud. I sent a reference letter from the utility company where I was living the time of the fraud I sent my FTC report to Trans Union LLC multiple times over 10 times and they are still reporting it on my credit report. They refused to remove it when they have proof that the address on file is not my address nor was I living at that address ever please help fix this error.
Consumer complaint received 2022-11-07
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (ME)

I signed up for XXXX XXXX because it was supposed to be support for life once the payments were completed. The letter threatening to send me to collections I received on XX/XX/XXXX and said Ihhave 10 days to avoid I didn't get to finish my treatment because I had some medical issues and they went bankrupt. Now Health Finance Direct/HFD is saying that I am getting sent to a collection agency. I do not make enough money to keep paying for a product that doesn't exist and also have my credit damaged. I tried to block them from my XXXX XXXX card but they then charged my XXXX card without approval so I blocked them from that one too.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I have a account with chase XXXX  Bank I paid my car payment will XXXX XXXX with a check and it went threw on XX/XX/2022 with a check. The check was returned back to XXXX XXXX on XXXX XXXX which on the XXXX, of XXXX the funds were there. And also XXXX XXXX I made a payment to XXXX XXXX  today for the amount of XXXX XXXX XXXX XXXX dollars which is the payment every month my payment keep getting reversed the money is in the account after I made the payment XXXX XXXX XXXX I called XXXX XXXX the payment went threw. I was in the branch chase XXXX Bank XXXX XXXX and I asked did they see the payment for today they said yes my balance was XXXX XXXX and some dollars. I also was replying to XXXX XXXX  statements stating they sent the payment to chase XXXX Bank and there was a return check the agent from chase XXXX Bank stated they never received a check from crescent bank the agent from chase XXXX Bank also stated if XXXX XXXX even tried to send a payment the can see it on my account there no transaction for a check coming in said the agent from chase XXXX  Bank. XXXX XXXX  has stated they have sent the check to chase XXXX Bank and also I went threw as a payment when XXXX favors made the original payment again they have reversed another payment for today XX/XX/XXXX XXXX
Consumer complaint received 2020-09-30
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: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (MA)

Credit Bureau Associates-Northeast Inc ( CBA ) is reporting information illegally on my credit reports. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only ( this law provided below ).

209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.

( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.

940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor CBA has placed their name on my credit report in attempt to collect a debt which they have failed to provide ownership of in violation of MGL Chapter 106 UCC 9-405 in that proof of ownership of the account via a valid assignment agreement.

( c ) Proof of assignment. Subject to subsection ( h ), if requested by the account debtor, an assignee shall seasonably furnish reasonable proof that the assignment has been made. 

In XX/XX/2020 I sent them a certified document informing them of MA laws and their current violations as well as asking for validation of their claim to ownership. Under MA law they had five days to provide this validation. They failed to reply with validation of ownership and failed to address their illegal reporting whatsoever. 

In XXXX XXXXI sent a second certified notice informing them of their continued illegal reporting and failure to validate in accordance with state and federal law. They failed to reply whatsoever. 

They have continued to report illegally. They can not prove ownership of their account.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

XXXX XXXX did not credit my bill ( due to outages ) my bill eventually was sent to a creditor the price ranges went from {$71.00} XXXX then XXXX! I have sent a letter to them via certified mail asking the creditor to prove that I owe them this amount of money and they only sent back a bill.
Consumer complaint received 2020-08-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (MI)

I leased a car through GM XXXX XXXX  and I had trouble making payments due to illness so in XXXX of 2019 I was going to file a XXXX XXXX bankruptcy and turn the vehicle in the XXXX XXXX bankruptcy was dismissed and the vehicle was grounded GM never sent me a final bill and The total I seen on my credit report was over 19,000 dollars this vehicle was a lease and the total amount of the lease was only XXXX. How can they charge me three times the amount without sending me a final bill and they have their vehicle back. The amount of the vehicle was approximately 19,000 dollars but they have their vehicle in their possesion.