davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 

Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months ). XXXX XXXX XXXX XXXXXXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor ( XXXX XXXX ). 

I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of XX/XX/XXXX provided by PRA, LLC.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (ID)

Village Capital has continually given wrong information regarding a late payment. I was on a payment plan so I wouldnt have a late payment on my account. I sold my camper and made both XXXX and XXXX payments on the XXXX of XXXX. They claim I was late in XXXX. The XXXX payment was a part of the payment agreement. I also have until the XXXX of the month as a grace period. So in all honesty, there shouldnt be a late payment on my account.
Consumer complaint received 2024-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was trying to get an apartment and realized damages on my credit report. 
According to 15usc1681 law there should be no damages on my report is defamation of my character
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I experienced a theft by an account holder named XXXX XXXX a fake real estate investor at Wells Fargo Bank has only return {$400.00} of the {$3400.00} that was fraudulently wired out of my account my a scamming landlord, a report has been filed with police. Ive sent transaction records from my XXXX XXXX  account. I need these funds recovered immediately and Wells Fargo still will not restore all funds.
Consumer complaint received 2021-07-26
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: I.C. System, Inc. (TX)

IC Systems Collections is reporting a collection on my consumer report and violating my federally protected consumer rights. IC Systems Collections has an account that says it is closed as of XX/XX/2021 but has failed to provided me with any " documentary evidence '' to validate their claim pursuant to 15 USC 1692g. IC Systems Collections refuses to tell me who the original creditor and give the me the name and address of the original creditor pursuant to 15 USC 1692g. I, XXXX XXXX, the natural person/Consumer have never had no account with IC Systems Collections anytime in 2021 or prior/after an they refuse to show evidence that their claims are true of any alleged debt. their reporting is causing an " adverse action '' pursuant to 15 USC 1681a ( K ) ( 1 ) and damaging me financially and mentally. Also IC Systems Collections is on my consumer report as an " attorney '' knowing that attorneys can not collect debts from natural person/Consumers. IC Systems Collections is criminally liable pursuant to 15 USC 1611 and Civilly liable pursuant to 15 USC 1640 and now owe me civil damages for their misrepresentation and false reporting and handling of my personal information.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (NV)

This company placed a collection on my credit report, I have never received anything notifying me of any debts with this company. 

This company has violated the federal debt collection laws. My next step will be to file a complaint with the Federal Trade Commission.
Consumer complaint received 2021-07-27
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. (NC)

I disputed a public record ( Bankruptcy ) in XXXX, XXXX, and XXXX of XXXX that was reporting inaccurately on my credit file with Transunion. On each separate occasion, Transunion sent me a letter saying their third party vendor verified the record as accurate. However, Transunion 's response is false and inaccurate because they are in receipt of a letter from the third party vendor ( XXXX ) who states my credit profile has been frozen since XX/XX/XXXX. 
I verified with the vendor that the security freeze is still valid. Furthermore, they also said they have not released or verified any of my information with Transunion or any other company since XXXX of XXXX. I explained this fact to Transunion on 3 different phone calls asking for some type of proof of verification with the vendor, but to no avail. 
Transunion is violating my rights under the FCRA by not legitimately verifying the accuracy of negative information on my credit report.
Consumer complaint received 2021-07-26
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: ENCORE CAPITAL GROUP INC. (MI)

I spoke to XXXX  over the phone about a month ago. I am disputing a marathon charge account listed on my credit report. 
I just received a letter today stating it has been sold to a debt buyer named Midland Credit I originally asked for a copy of the contract and statements leading up to the balance from the original creditor, I do not recall opening this account. This has not been done. 
I would like this account removed from my credit report
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (FL)

I'm XXXX, User ID : XXXX a binance.US user for just couple weeks before they locked me out of my account. I didn't realize I was locked out until I check to start trade.i submitted a request on XX/XX/21 by submitting all the requested documents ( a video selfie of me, and photo of me holding my ID and my bank statements etc ). I'd made lots of complaint, and tracking my request was said to be solved but I'm still unable to Access my account. I have over $ XXXX on my account, and it is unethical for a company to hold my money for no reason. Even after providing all documents, they request.
Consumer complaint received 2019-12-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Statewide Credit Services Corp. (NY)

I was evicted out of a XXXX unit at XXXX XXXX XXXX, XXXX, XXXX XXXX, NY and i paid a deposit of around 11,000. I left the apartment at the 6 month and ongoing charges was accumulating without my acknowledgment. The excess charges are unknown to me. I never signed any document acknowledging the debt.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (IL)

The situation with Guild Mortgage is getting worse. We have given the bank every document they have requested. Since XXXX I have lived in the property and have provided all documents required for a short sale. Nonetheless Guild Mortgage closed my file because they said that I do not live on the property because they have pictures showing so. This is a lie. In fact, I asked for the pictures to dispute them but I only received a couple which did not I indicate that I lived there. Further, I have submitted pictures of the property with my belongings in it. This is absurd they would halt my short sale and force me into foreclosure over a lie. I do reside in the property. 

I can't handle this situation anymore, I can't afford the mortgage and I'm living in the house. 
Help!
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

After months of intense disputing with the credit bureaus, Capital One, and XXXX XXXX directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from XXXX XXXX!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

XXXXDate opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates
Consumer complaint received 2021-07-26
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

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

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

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

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

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

10. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

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

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

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

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

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

17. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NC)

Within the last couple of weeks ( XXXX ), there were some fraudulent transactions on our Sofi checking account. Sofi caught all but 3 and we were able to cancel 2 " pay a friend '' transactions. We thought we had cleaned everything up and we changed passwords etc on XX/XX/2024. On XX/XX/2024 we were notified by email that our account was frozen again due to suspicious activity. We received an email a few minutes later stating that the account was unfrozen. However, our account is frozen still ( going on 2 days now ). We have called and they will not give us any detail other than asking us if we made a recent " pay a friend '' transaction to which we said no. 
They can not give us any other information NOR is there anyone to escalate the issue to. We just have to wait for them to review and unfreeze our account. There's no time-frame for this. We have bills to pay, gas and groceries to buy, etc.. We've called several times and support tells us the have escalated it but they can't give us any idea of when it will be resolved. This is very frustrating. I'm glad they caught the fraudulent activity however they are now holding our account hostage.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MA)

I placed an order with XXXX XXXX in XX/XX/XXXX. My package was supposed to be delivered on Thursday XX/XX/XXXX but apparently it was delivered on Wednesday XX/XX/XXXX. The carrier ( XXXX  ) stated they left the package at my front door which was inaccurate as I was home all day and never saw the package. I reached out to carrier and the merchant. After merchant saying they cant do anything because carrier said it was delivered. I opened a dispute with Chime Bank on XX/XX/XXXX. I provided information that shows my receipt, conversation with merchant and carrier. The carrier told me to work it out with the merchant. The merchant said they can no longer help as I opened a dispute with Chime. Almost every week, I reached out to Chime about the status of my dispute and they were saying it will be done by XX/XX/XXXX. Today on XXXX of XXXX almost a month Chime denies my dispute for {$150.00} and said there was no error. I stated I never received the package and provided documentation that I made this purchase. Chime has not provided me a valid reason as to why my dispute was denied. All they said is I can file a rebuttal by providing new information and they will send documentation in XXXX business days as to why my dispute was denied. I filed the rebuttal and provided them with the same information only for them to deny it again by saying I did not provide new information. I informed Chime that I been waiting for a month for a decision. The merchant is not going to help me since I opened a dispute and it has been 30 days since I made the purchase. I would like for chime to refund me my funds as I do not think it is right that they took a month to investigate like they came to my door or something and then deny me my money.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have tried to settle this matter and Portfolio Recovery Associates have ignored every request for verification dated inXX/XX/XXXXasking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted
Consumer complaint received 2021-07-27
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. (FL)

I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-27
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. (OH)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (PA)

I received an individualized email solicitation from SanTrust Bank offering {$200.00} Bonus for opening a SunTrust business checking account conditioned on making {$1500.00} or more in cumulative qualifying deposits within 30 days. I accepted SunTrust 's offer and opened SunTrust business checking account ending in XXXX on XX/XX/21 and made a required opening deposit. Imagine my astonishment and disappointment to find that SanTrust has decided to close my account on XX/XX/21 after accepting my opening deposit. SanTrust has informed me that my account has a XXXX  balance for 60 consecutive days. At all pertinent times, my account have a balance exceeding required balance of {$1500.00}. I contacted the bank and received another letter informing that SunTrust bank is unable to verify company registration with the Secretary of States Office. I am an XXXX and I do not require registration with the Secretary of States Office to XXXX XXXX and XXXX XXXX in my state. 
Acceptance of bank 's offer on XX/XX/21 represents a unilateral contract for breach of which law provides a remedy. I completed all the requirements necessary to qualify for the opening bonus but I was unable to receive the {$200.00} bonus because SunTrust breached the contract by terminating my account without lawful justification or excuse. The SunTrust 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. I would not have opened account with SanTrust Bank and kept over {$1500.00} interest free, but not for SunTrust 's promise to pay me {$200.00} opening bonus.