davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION (WA)

XXXX Received a call from a XXXX XXXX XXXX did not state what this was for or why they were calling, then said there contacting in regards to the order of location, that was been issued against you legally I do have to make you aware that once your claim is filed into the county becomes a matter of public matter of public record, I have been instructed to contact your employer and speak with your supervisor directly because it lokos like that is going to be the likely place of location, your legal right will be forefeited the phone number '' then they said to call XXXX, I spoke to XXXX XXXX and had casse # XXXX, did not say what it was for except that it was a " locked file '' and then said it was for a check n go loan? 

All of this violates, Fair Debt Collection Practices Act. It is false, misleading and harassing and scary when I'm at work. They've called my husband too. I will ask them to stop. 

I called back and spoke to XXXX XXXX at XXXXXXXX XXXX on XX/XX/2022. I said I am responding to your contact about a debt you are attempting to collect. You contacted me by phone today. You identified the debt as a XXXX XXXX XXXX loan. 

I asked her to please stop all communication with me and with this address about this debt. 

To also, record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.She said they are getting information to file a lawsuit or check in Go has 3 allegations against me they will find me to issue against me...
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Someone opened kohls credit card on XX/XX/XXXX in which I did not open a kohls account it has a zero balance as of XX/XX/XXXX but I call company and told them to cancel and close account which I didnt open
Consumer complaint received 2022-01-24
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. (FL)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2022-04-08
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. (TX)

XXXX, Transunion and XXXX have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall XXXX Fraud dispute number XXXX I also called XXXX and Transunion XX/XX/2022 and filed fraud claims as well XXXX is reporting XXXX hard inquires on my credit file and I had XXXX inquiries last month when I called to check upon speaking with the XXXX agent she made me aware that there were XXXX inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!
Consumer complaint received 2021-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have an account with Capital one credit card company. I have multiple fraudulent charges on this account. I have already submitted a fraud complaint with the company and I have only had this account open for three months with multiple fraudulent charges and first report to my credit report was a late payment. This is very similar to my XXXX  XXXX account. Also the mailing address for the payment receipt is addressed somewhere that is not listed by capital one. Also more XXXX charges and duplicate charges. Most recently is a XXXX dollar XXXX charge on XX/XX/XXXX for an auto payment. This was wrong amount on the wrong day. XXXX XXXX has no record of this charge and are investigating as well.
Consumer complaint received 2022-01-24
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. (AL)

XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC (NY)

I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ... 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX is reporting an account on my file that is not mine. It is showing I am an authorized user on an account I do not recognize. I have never given anyone permission to put me as an authorized user on a XXXX XXXX. This needs to be removed immediately as I never signed anything with XXXX for this account and it is not mine.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Creditors Bureau Associates (GA)

I was laid off during the pandemic due to a severe injury. I had 3 surgeries to repair in a 4 month period. I was unemployed for 30 days before being rehired. During that time I was eligible for XXXX but unable to pay the {$600.00} premium. The account was sent to CREDITORS BUREAU ASSOCIATES in XXXX, GA. I explained that there was an extension to pay the premium for XXXX eligible individuals to CBA and they removed the report. I have been openly communicating with them while waiting for XXXX to approve the extension. This extension allowance was authorized for the pandemic period only. I was not contacted before they re-applied the collection to my credit on XX/XX/2022 almost a YEAR later. I contacted XXXX to ask them to escalate my request for an extension which they did. I received an email from XXXX stating that my extension request was APPROVED and they would process the documents and payment. This will allow the claim for my 3rd surgery to be covered by XXXX ( Over {$5000.00} ) .I then emailed the extension approval to CREDITORS BUREAU ASSOCIATES but the representative said that XXXX would have to call them directly to advise them that the extension had been approved. I sent written correspondence that stated the aforementioned information.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

In XX/XX/XXXX I disputed an account in the amount of {$3200.00} that was in collections to have been open fraudulently. It was removed from my credit report. In XXXX it was re-inserted to my credit report and I was not notified! This reinsertion has lowered my credit score and also started the illegal re-aging of this account. The account is now open and was last reported XX/XX/XXXX. I sent a certified letter to Equifax asking they remove this account from my report. I haven't received a response. Now the company is sending me letters to make a payment when I never received a letter stating this account would be reinserted!
Consumer complaint received 2017-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

TheaccountIamdisputingwassenttoTransworldSystemsInc.bymistake, accordingto XXXX ( XXXX ) .Ihavebeenmaking $ XXXXpaymentsonthe accountmonthlyanditispaidoff.OnXXXX/17, myaccountwasdisputedbybothmyself and XXXX ( XXXX ) .IspokewithsomeonefromTransworld Systems Inc.thatday.AndIspokewithXXXXfromXXXX ( XXXX ), the  headofthebillingdepartment, whotoldmeshewillhavetheaccountremovedfromyour agencyimmediatelysinceitwassentbymistake.Wearestillreceivingharassingletters and phonecallsfromthiscollectionagency, despitethefactthatitwassenttherebymistake, thatit wasdisputedbymeandthecompany, andthatitwaspaidoff.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

on XX/XX/2023, Person " XXXX XXXX '' on XXXX claimed to sell concert tickets through XXXX XXXX. Asked me to zelle XXXX $ to XXXX enrolled as XXXX " their boyfriend ''. Claimed that they never received the payment but my bank chase confirmed that they got the payment.
Consumer complaint received 2020-12-16
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. (GA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (CA)

discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/04 Balance : {$200000.00}
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged XXXX XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged Bankruptcy Account. What was the method of verification when the courts CLEARLY do not provide documentation or verify with you? THIS IS ILLEGAL. All bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2022-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (NE)

Back in XXXX on the XXXX of XXXX, I requested that they no longer contact me. I called them up and have it recorded that they agreed to no longer email, call, or send letters in the mail. I had an agreement set up through a third party to pay off the loan. They sent a letter out in XXXX on XXXX XXXX  stating that I owed them Money. They then sent out another letter in XXXX on XXXX XXXX. This resulted in someone in my family seeing this letter and sending them over {$2500.00}. The amount that I owed them through an agreement was {$990.00}. I tried to call them again and demanded that they repay the money back. They refused to do anything about. I called again last Wednesday on XX/XX/XXXX  and talked to someone about it. They assured me nothing was sent out after the XXXX of XXXX. When I started telling them that I am still getting letters and causing problems in my family they assured me someone would be calling me by last Friday, XX/XX/2023. I just called them up again and they still have no answers or anything on what is going.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc. (FL)

Received a collection notice and a report on my credit reports regarding a debt from FH CANN & ASSOCIATES INC. I am XXXX XXXX XXXX and do not owe a debt to this company or a XXXX XXXX. I do not know who these companies are.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education
Consumer complaint received 2018-11-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (IN)

On XX/XX/XXXX, I applied for a payday loan through amplify funding. After I was approved for the loan, I realized that they were not licensed to do business in Indiana, and that they are breaking the Indiana law as it pertains to payday loans. The first one is that they are only allowed to lend out up to 500 dollars. They lent me XXXX dollars. The other law they broke was the interest rate. State law sets the maximum interest rate at 390 %. Amplify is charging me an interest rate of 768.3 %. Amplify funding is expecting over 500 dollars a month which I can not afford. I have already paid {$560.00} and my principle is still at {$900.00}.
Consumer complaint received 2022-01-24
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: JPMORGAN CHASE & CO. (CA)

Chase Visa Southwest airlines card : Fraudulent charge for {$4600.00} on XX/XX/22 and {$3400.00} on XX/XX/22, both to the same merchant. Chase initially warned me of the fraud, texting an alert, and asking me if I did or did not authorize this transaction. My response was NO. They subsequently closed my account for safety, revered the charges pending an investigation, and issued me a replacement card with a new number. Somehow, their investigation determined that these WERE in fact charges that I had made, and they reinstated the charges, now onto my new account. I disputed them again, to which they again ruled against me, but said they could not release any written documentation of how they came to that determination. I again appealed a third time, on XX/XX/22, and that appeal is still withstanding. My belief is that Chase Visa may somehow be complicit in this fraud, as there is absolutely no way these charges are mine. The {$4600.00} charge says it was made in person, in XXXX XXXX Illinois. I live in California over XXXX miles away. Not possible. 
I'm still waiting for their response.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BOK FINANCIAL CORP (CO)

Hello, this is regarding a BOK Financial 401k account that I have been trying to roll into an IRA for 3 months. For context, I was able to roll a separate 401k account with a different provider into my IRA in about 30 minutes. First, BOK declined to roll my assets because they require a " wet '' signature on the document form ( which was not indicated anywhere ), rather than accept the digital signature I provided. Now, because they are unable or unwilling to implement an electronic transfer system, my rollover bank rejected the check BOK had mailed to them, and in order to cut a new check, BOK is requiring me to fill out a form and get it notarized in order to cancel the old check ( even though they have received it back ). Their process for a rollover distribution is the most dystopian, bureaucratic, embarrassment to human cognition that I have ever seen, and the only logical conclusion is that they are intentionally making it difficult for individuals to withdraw funds from them ( presumably to inflate their XXXX XXXX for their investors ).
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (OH)

XXXX XXXX. 

Today ( XXXX ) I received a letter from a company called Revenue Group. 

The letter claimed they have been trying to reach me about an outstanding debt owed to XXXX XXXX XXXX XXXX. 

I have not received any calls from Revenue Group let alone from XXXX XXXX XXXX XXXX. None, not one. 

There was also no date of service on said collection letter. As I have not been to XXXX XXXX XXXX XXXX in quite sometime, this lends to the seriousness of my complaint. 

Outside of this letter there has been absolutely no contact attempt from Revenue Group or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also numerous complaints about this company on XXXX.
Consumer complaint received 2021-05-13
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )