davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
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: BARCLAYS BANK DELAWARE (IN)

Ref : Barclay Visa Credit Card Account # XXXX XXXX XXXX : Dispute Case XXXX I disputed a charge for a hoodie that was not received. Do I have credit card protection for online purchases that are not received? Why am I being charged for an item that I did not receive? 

I emailed photos of a damaged bag on XX/XX/XXXX to XXXX. I disputed the hoodie to Barclay fax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called XXXX on XX/XX/XXXX. I need an explanation letter for this dispute after I called and faxed on XX/XX/XXXX. Barclay charged it back on XXXX Bill. Why? 

XXXX did not honor our contract. Barclay is not honoring my trust in the credit card. A credit card charge is a contract between consumer and merchant. I trusted XXXX  to guarantee that I receive the hoodie that I paid for. I did not receive the hoodie, so they need to refund my credit card {$58.00}. As soon as I dont receive the hoodie, the purchase contract is void. I dont owe them for a hoodie that is not received. You need to make XXXX refund my card. The credit card charge and contract are not valid, because the terms of the contract were not honored by XXXX. 

XXXX XX/XX/XXXX {$58.00} CREDIT - DTLR/VILLA XX/XX/XXXX - {$58.00} XXXX XX/XX/XXXX {$58.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Barclay should know what a purchase contract is and resolve conflicts between consumers and merchants based on consumer law and consumer protection. 
No dispute button on your website conveys that Barclay does not want to take responsibility for credit card protection and consumer law. 
You need to refund my card {$58.00}. I will be filing consumer complaints with the government against all parties involved. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (AR)

On XX/XX/2020 i recieved an email from XXXX on behalf on LVNV funding threatening me that if i did not contact them regarding the debt, that LVNV will use an attorney to take me to court for the alleged debt.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (WI)

I opened a checking account with BMO Harris Bank, which came with a {$200.00} bonus offer to be paid within approximately 120 days of account opening. It has been over 120 days since I opened my account, and I have fulfilled all the terms of the offer, but have not yet received my bonus. I contacted customer service, and they said that they were unable to see the status of the bonus, but that their marketing team was running 2-3 weeks behind schedule. However, it has already been more than 3 weeks since my account was open for 120 days, so even according to their delayed time frame, I should have received my bonus by now.
Consumer complaint received 2015-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Became XXXX and could not pay a 8.5 % int mortgage payment. I wanted help to lower payment for remainder of loan which is 5 years. My home is appraised at {$90000.00} and I owe {$30000.00} so I definitely do not want to lose my home. I do not live in my home, it is rented for {$600.00} a month and my payment is {$760.00}. My loan preservation specialist, XXXX XXXX XXXX, who is my contact regarding my loan modification application, is not taking my calls. Since XXXX XXXX to XXXX XXXX I left at least XXXX voicemails, left messages with his co- workers XXXX and XXXX XXXX, and sent XXXX emails. I have yet to receive a call back. On XXXX I received XXXX denial letters ( after 35 days of waiting ) XXXX states HAMP tier 1 denied because I do not live in home ( applied for help for rental ) tier XXXX denied due to not meeting program guidelines ( don t know what guideline is. ). The XXXX denial letter stated they denied due to home being vacant ( home has never been vacant ). Don t know what to do other than appeal. It also states Americas servicing Co ( Wells Fargo ) is Only servicing the note and XXXX is the investor. Very confusing especially when I can not get anyone to communicate with me.
Consumer complaint received 2021-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OH)

XXXX, XXXX # XXXX After a careful review of my credit report, I notice that I owe an outstanding balance. I would like to let your company know that I am disputing your claim. Under the FDCPA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that debt from the creditor. 
2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof on how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Company if the original contract bearing my signature.

8. Where is the notification of debt?

9. Proof of transfer of debt.

10. How was the interest and accounting principles accrued?

11. Where is the exchange of title of ownership?

12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Thank you for your time and cooperation.
Consumer complaint received 2020-02-20
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/GF XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX   XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$930.00}
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (TX)

I did not know i owed {$120.00}. I did not receive any information from no one about this debt. I figure it out because my credit score dropped. then i called XXXX  and they explained that one of my accounts was in collection for {$120.00} and it was a medical bill related to my son that has same name as me. No body call my phone number, no written information received. I always pay my bills, and i am never late, you can see my other account are clean and paid on time. It is not fear having this amount on my credit report just because lack of information and it is not my account. Please remove this from my credit until my son can resolve this account. Attached credit report. 
Complaint for account shows as : CHOICE RECOVERY INC # XXXX**** XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX Placed forcollection:XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$120.00} Date Updated : XX/XX/XXXX Original Amount : {$100.00} Original Creditor : XXXX XXXX XXXX  Past Due : > $ XXXX<
Consumer complaint received 2022-12-01
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. (CA)

I sent a letter to the 3 Credit BureausXXXXXXXX XXXX XXXX to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX XXXX : {$190.00}
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (AL)

I have inaccurate information reporting n my credit report. I have made 4 attempts to resolve this issue ; however, I have not received any corresponding at all. My first attempt via mail was made on XX/XX/2021. They have not been able to validate this account ( XXXX XXXX ).
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I spoke with an Experian Supervisor on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that Experian remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The Experian agent refused my request after I informed him he was violating my rights. Experian is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (MI)

Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with XXXX XXXX. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people
Consumer complaint received 2020-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (MN)

In good faith, my husband and I entered into a loan agreement with LendingClub to make necessary repairs to our home. Unfortunately, he was unemployed shortly thereafter for approximately 1-1/2 months and his salary was reduced by {$70000.00}. We have continued to make monthly payments of {$710.00} at 20.30 %. On XX/XX/2019, we tried to renegotiate the loan with XXXX and XXXX of LendingClub to more favorable terms of {$510.00}, 15.17 %, 60 months. It was denied. On XX/XX/2019, we spoke with XXXX of LendingClub at XXXX to discuss renegotiation and erer again denied. Also during this time ( XX/XX/2019 ),  LendingClub tried to put us into collection with XXXX XXXX XXXX XXXX, XXXX for missing one ( 1 ) payment which we did not. Even XXXX agreed that LendingClub 's action was ridiculous. The continuing payment of {$710.00} is now a hardship and we want to settle the remaining balance of {$21000.00} with a cash amount both parties agree on to dismiss this debt with no adverse credit rating. In closing, LendingClub has been making harassing phone calls to both of us on a daily basis.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC. (TX)

I had a credit card account with XXXX, but due to unfair practices I discontinued services and the card was charged off. Once charged off I never made any contact with the collection company 's that somehow bought debt that was charged off. Midland Funding is reporting inaccurate information- I 've never spoken with them or updated anything. I requested full validation including original documentation with my signature. This is the second collection company who has touched this account reporting inaccurate information i.e. the total amount due and reporting/update dates.
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX  score from increasing. The four companies are : 1. XXXX XXXX 2. Jefferson Capital XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to XXXX While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with XXXX XXXX XXXX. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX, XXXX
Consumer complaint received 2020-02-20
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: Amsher Collection Services, Inc. (UT)

Amsher Collection Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on the account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand this payment be updated to PAANL ( PAID AS AGREED NEVER LATE ), also please update payment history to ok. Thank you for your understanding and prompt action.
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is a legal notice, see attached. Letter has been sent to the registered agent of KOHLS, XXXX as of XX/XX/2022. You have 15 days to respond to the offer of settlement before a lawsuit is filed in the Superior Court of New Jersey.
Consumer complaint received 2020-02-20
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: CCS Financial Services, Inc. (UT)

Credit Collection Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2020 our debit card was used at XXXX XXXX   XXXX in XXXX ohio. Within a 15 minute time period our card was used without our authorization for a transaction of {$470.00}. We disputed this to our bank chase bank who gave us back the {$470.00} and then investigated it for us but found no fraud and took the {$470.00} back.
Consumer complaint received 2022-12-15
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 filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-02-20
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. (FL)

This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX two charges in the amounts of {$31.00} each were fraudulently made to my Bank of America checking account through use of my debit card number. The company was XXXX  that processed those charges. I immediately called BofA and they credited back the two charges and opened investigations. On XX/XX/XXXX, I received a letter from BofA saying that XXXX, their investigative service, had closed the claim and determined that I HAD made the charges. They determined this because the person had my email address and mailing address and those " matched ''. Also, they claim a similar charge was made two years ago that I never called out as fraud - that charge doesn't exist - I've looked. Never mind that the person used a name that wasn't mine and a phone number that isn't mine either. 

As of XX/XX/XXXX, I've now talked to 7 people at BofA Claims, each of whom has promised me different things and given me different information as to what I need to do to re-open the claim. As of today, the bank also took the money out of my account again after promising me that they extended it to look into the matter until XX/XX/XXXX. I was told to fax a letter to re-open the claim, which I did two days ago, along with the paperwork from XXXX. NO ONE at BofA told me to put the claim number and other info on top of every single page. So now their telling me they can't do anything until I do that again. 

I have been with BofA for 30 years and am pulling my money out ASAP. They support fraud against their customers and so is XXXX, the company they use for investigations. I will never do business with Bank of America.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (WA)

Orginated from a gas bill from XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) for a rental property. Property manager failed to pay or notify me. When I learned of the situation, I immediately contacted XXXX and the debt collection company. XXXX provided proof of payment for me to send to collection company. I've notified the collection company and tried to dispute via XXXX, but company keeps saying debt not paid. This is adversely impacted my credit score and ability to get a fair interest rate ( recent car purchase, rate was higher to do this ).
Consumer complaint received 2020-02-20
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: HSBC NORTH AMERICA HOLDINGS INC. (UT)

Between XX/XX/XXXX and XX/XX/2019 I had fraudulent charges show up on my hsbc account hsbc notified me of the charges they cancelled my card and sent me a new one but then they transferred the fraudulent charges to the new card I called and notified them of the mistake but they wont remove them and they keep adding fees to fraud charges I have spent hours on the phone with hsbc and recieved many calls from the collection department but there collection department doesnt handle fraud charges so it ends up recurring over and over I have not used my hsbc card since I was notified on the XX/XX/XXXX and I have not used the new card hsbc sent me yet my account is showing 2 cards with a total of XXXX