davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
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: Credit Control, LLC (CO)

XXXX XXXX I got a letter in XXXX  from Credit Control , LLC in the amount of {$500.00} I've called several times and was able to get a hold of someone who spoke XXXX and mentioned that this account didn't belong to me as the Name and address did not match, this was removed on XX/XX/XXXX and then 28 days later on XXXX XXXX I noticed that there was a new Collection from XXXX XXXX XXXX, for {$500.00} I have tried several times to contact and finally got in contact with them they mentioned that I due owe this amount, I've asked for proof in writing and I get nothing back, yesterday XXXX XXXX I got a letter stating I owe {$460.00} how is that possible? And on my credit report it showes I made a payment of {$38.00} on this account? I do believe that this is fraudulent can no one tell me where or how my payment was made. I'm reaching out to get this resolved because it's effective my overall health of life, my credit score has dropped significantly that I can't even apply for any line of credit. Please HELP
Consumer complaint received 2021-07-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (GA)

My complaint is with Planet Home Lending. My VA loan was originally processed through XXXX XXXX XXXX, but was soon sold to Planet Home Lending. I made my first mortgage payment of {$1600.00} ( XX/XX/2021 ) to XXXX XXXX XXXX, which was then forwarded to Planet Home Lending in order to validate this payment. Today ( XX/XX/2021 ), I received a call informing me that my XXXX payment was never received, and that I was approaching 60 days of no and/or late payment which would be reported to the credit bureaus. However, I was also told on today 's ( XX/XX/2021 ) call that my XXXX payment ( XX/XX/2021 ) was applied to my XXXX bill. If this is the case then it would be impossible for me to have not paid for 60 days as only 23 days had passed. However, the greater issue at hand is Planet Home Lending not acknowledging the payment sent to them by XXXX XXXX XXXX. Today ( XX/XX/2021 ) I have confirmed with both my bank, XXXX XXXX, and with XXXX XXXX XXXX that my payment was received and forwarded to Planet Home Lending. During my call today with Planet Home Lending, the agent I spoke with refused to take any of the information I had regarding the payment that was received by XXXX XXXX XXXX, and also stated that Planet Home Lending would not be attempting to learn why my payment was not accepted or applied to my loan. The only reasons I can see that Planet Home Lending would perform business in such a way is they are either : 1. ) Stealing money from their purchased loans ; 2. ) Incompetently mishandling their held loans ; or 3. ) Intentionally refusing to interact with the loan seller after the sale is complete due to laziness, and therefore Intentionally mishandling held loans.
Consumer complaint received 2019-05-10
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: DISCOVER BANK (CO)

I CALLED AND SPOKE TO FRAUD DEPARTMENT AT DISCOVER CARD TO REPORT CHARGES THAT WERE PUT ON MY ACCOUNT FOR AMOUNTS OF {$4500.00}, {$960.00}, {$630.00}, {$1700.00}, {$200.00} THEY FILED A FRAUD COMPLAINT AND I DID RECEIVE THE CREDITS FOR ALL CHARGES BUT THEN THEY TOOK MY CREDIT BACK AND SENT ME A LETTER SAYING THAT I DID MAKE THESE CHARGES BECAUSE THERE WERE SEVERAL. I DID NOT MAKE THESE TRANSACTIONS AND I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPPANIES.. I WOULD LIKE MY MONEY BACK AND TO KEEP MY REFUND THIS TIME. PLEASE HELP ME TO GET MY MONEY BACK FROM DISCOVER CARD.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was making regular payments to XXXX XXXX XXXX for a debt collection on a Capital One Credit Card. XXXX lost the account and Capital One hired a new collection agency, XXXX XXXX XXXX   per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to XXXX XXXX XXXX for the Capital One account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied Capital One. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX Capital One sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to XXXX XXXX XXXX. On XX/XX/XXXX, Capital One sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, Capital One acknowledged that XXXX had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that XXXX had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM XXXX. Capital One then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that Capital One or XXXX provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) Capital One recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween Capital One and me. Capital One followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that Capital One gave to XXXX via my XXXX and XX/XX/XXXX payments. All I know is that XXXX needs to forward the two payments to Capital One or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent. 

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Consumer complaint received 2020-02-12
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. (MO)

My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX
Consumer complaint received 2020-02-12
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. (MO)

My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX  {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am asking that Bank OF America clear any banking history using my name! I went in the branch to open an account and they said there were accounts opened in my name previously, so i wasn't able to open an account. I dont owe any debt or anything to BOA, I am a good/responsible customer with good credit, good banking history, and a credit score of XXXX.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (NY)

I MADE AN ONLINE PURCHASE XXXX FOR AN UPCOMING BIRTHDAY I NEED. THE ITEM FOR DAYS SHOWED " PENDING '' WITHOUT ANY SUCH MOVEMENT. I REACHED OUT TO THE COMPANY BY EMAIL SEVERAL TIMES STARTING ON XXXX ASKING ABOUT SHIPPING. ON XXXX I EMAILED THE COMPANY BACK ADVISING THEM TO CANCEL THE ORDER AND EFFECTIVE THAT DAY AS WELL XXXX THEY WERE NO LONGER AUTHORIZED OR PERMITTED TO CHARGE MY CARD, AND ADVISED IF THEY IT WOULD BE CONSIDERED ILLEGAL AND FRAUDANTLY. I ITEM WAS NEEDED FOR A XXXX BIRTHDAY ON XXXX AND THIS COMPANY ADVISED A TENATIVE SHIP DATE OF XXXX AFTER THE GIFT WAS NEEDED. SO ON XXXX I NOTICED AFTER REVIEWING MY ACCOUNT THIS COMPANY HAD WENT AHEAD AND ILLEGALLY CHARGED MY GOVERNMENT ISSUED UNEMPLOYMENT DEBIT CARD 7 DAYS AFTER BEING ADVISED THEY WERE NOT AUTHORIZED TO CHARGE ON MY DEBIT CARD ENDING IN XXXX. AFTER I NOTICED THIS CHARGE I CONTACTED XXXX DISPUTES AND FROM THAT POINT FORWARD IT HAS BEEN NOTHING BUT A DISASTER WITH KEY BANK NOR DID THEY PROVIDE ME WITH A PROVISIONAL CREDIT WITHIN 10 DAYS OF FILING THE DISPUTE. SO FORWARD TO BEGINGING OF XXXX XXXX I CALLED INTO KEYBANK DISPUTES TO CHECK THE UPDATE/STATUS AND THE MAN TELLS ME THAT ON XXXX XXXX THE COMPANY PROVIDED DOCUMETATION OF THE ITEM BEING DELIVERED- THAT WAS NEVER THE CASE- THE DRIVER LEFT MY DRIVEWAY WITH THE BOXES IN HAND. I ASKED WHY I WAS NEVER SUPPLIED THOSE DOCUMENTS I AM ENTITLED TO VIEW AND SEE WHAT WAS NEXT TO DO. THE MAN ADVISED ME THAT IF I COULD FID SOME DOCUMENTATION SHOWING OTHERWISE I COULD SUPPLY THAT. I REACHED OUT TO XXXX AND EXPLAINED THE SITUATION AND ASKED IF THEY COULD PROVIDE ME SOME DOCUMENTATION SHOWING IT WAS NEVER RECEIVED. ON XX/XX/2021 I FAXED KEYBANK THE DOCUMENTS I WAS ABLE TO GET FROM XXXX AND THEY STATED THEY WOULD LOOK INTO THE CASE WITH THE NEW DOCUMENTS SUBMITTED. SO FROM END OF XXXX UNTIL TODAY XXXX KEYBANK HAS DONE NOTHING LIE AND XXXX ME SINCE XX/XX/2021 ON THIS DISPUTE. SO ON XXXX I REACHED OUT AND SPOKE WITH SUPERVISOR " XXXX '' HOW TELLS ME I'LL CALL YOU TODAY OR TOMORROW WITH THE STATUS UPDATE BECAUSE SHE NEEDED HER STAFF TO REVIEW IT. WELL " XXXX 'S '' PHONE CALL NEVER CAME. HOWEVER, I DID ASK HER FOR A NUMBER O HOW I COULD REACH HER AD SHE PROVIDED WITH SOME ODD PHONE NUMBER AREA CODE " XXXX '' I DID LEAVE A VAGUE MESSAGE ON SOME KIND OF VOICEMAIL ASKING FOR A RETURN CALL AND NOTHING. SO TODAY XXXX I REACHED OUT AD SPOKE WITH SOMEOE ASKING THE STATUS AND ADVISES ME THE CASE WAS CLOSED YESTERDAY XXXX AND IT WAS OVER THE TIMEFRAME FOR ME TO RECEIVE MY FUNDS BACK!!!!!! SO I'M CURRENTLY OUT {$420.00} FOR THE NON RECEIVED ITEM AND {$420.00} IN CASH ( LIQUID ) THAT WAS PAID OUT FROM MY DEBIT CARD THAT THIS COMPANY ILLEGALLY TOOK SEVERAL DAYS AFTER THEY HAD BEEN ADVISED NOT TO TOUCH MY DEBIT CARD.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

original creditor was XXXX XXXX and that is what is on my XXXX credit report but on my XXXX world finance co. purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted XXXX twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this
Consumer complaint received 2024-02-13
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

In 2015 i purchased a mobile home for XXXX. It needed to be a complete re do. I lived in it for over 1 year. After 1 year the mobile home park couldn't give me my title that i needed for homeowners insurance, wouldn't fix park safety hazards, and i was within my tenant space rights to withhold rent due to illegal septic vents, rats, and illegal misleading of meters. All of this was verified by the state, health department, code enforcement, and emails i have. I came to an agreement to walk away from the home and they wouldn't take on any legal action against me and I wouldn't against them. 
My last day there i was served with court documents. I spent months sending them via email to the attorneys who were in charge of the debt. Filed my response with the court and left my forwarding info with the park. I never received a court date or heard another word. 
Then came the calls, emails, harassment threats to put me in jail. All illegal things. From a law firm. 
I requested, in writing proof of what they say my debt was. I never got a single thing from them. I told them they needed to stop calling me my friends and relatives and put everything in writing. I had to file disputes as they said i owed over 4k dollars. They changed it to XXXX and then every week in increases by 8 to 15 more dollars. It's always changing and it's the only negative on my history. I don't owe this at all. It's not even my debt. 
In the last week 7 calls from them demanding payment and then today one of their attorneys sent me a friend request on XXXX. A social media platform. This is beyond harsssing and illegal.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking number.XXXX
Consumer complaint received 2021-09-24
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: ENCORE CAPITAL GROUP INC. (CO)

XXXX XXXX I got a letter in XXXX  from XXXX XXXX XXXX XXXX in the amount of {$500.00} I've called several times and was able to get a hold of someone who spoke XXXX and mentioned that this account didn't belong to me as the Name and address did not match, this was removed on XX/XX/ and then 28 days later on XXXX XXXX I noticed that there was a new Collection from Midland Credit Management, for {$500.00} I have tried several times to contact and finally got in contact with them they mentioned that I due owe this amount, I've asked for proof in writing and I get nothing back, yesterday XXXX XXXX I got a letter stating I owe {$460.00} how is that possible? And on my credit report it showes I made a payment of {$38.00} on this account? I do believe that this is fraudulent can no one tell me where or how my payment was made. I'm reaching out to get this resolved because it's effective my overall health of life, my credit score has dropped significantly that I can't even apply for any line of credit. Please HELP
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Upon review of my most recent credit report I noticed credit inquiries with ( Experian, XXXX & XXXX ) which I DID NOT initiate. These inquiries are the result of fraudulent activities for they were not authorized by me either verbally or in writing. Listed below are inquiries and dates which I would like removed immediately. 
XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX XXXX. 
XXXX XXXX / XXXX XXXX inquiry date XXXX XXXX XXXX in inquiry date XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX  ser inquiry date XXXX XXXX XXXX inquiry date XXXX. 
XXXX XXXX inquiry date XXXX XXXX / XXXX XXXX inquiry date XXXX.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

ALLY FINANCIAL is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (FL)

I purchased a XXXX XXXX online at the end of XXXX. The amount on my receipt is {$29.00}. With the company XXXX. However the amount that was charged to my account was {$33.00} and from a different company than what was listed. I disputed the transaction with the merchant with no response at all from them. And with my NetSpend Prepaid Pay Pal Mastercard. I disputed and did what I was told by submitting my proof of dispute for an immediate expedited refund. This particular prepaid card has charged me a monthly fee the day I purchased the card as well as one the month after the account was opened. I still have not received my refund and am being told it can take 90 days. Which is very convenient considering that get XXXX each month my account is open. Now I am being told if I close my account and I get my disputed amount back I will be charged a {$5.00} fee for them to issue a check. I feel like this is outrageous and that as a consumer I am not protected by the master card since it is a prepaid account. I am not sure if anything can be done however I hope there is.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello. I have repeatedly looked into a debt that a company is telling me I have. While I am currently working to resolve a debt I have with them ; another debt has popped up on my credit report for {$290.00}, and it is not my debt. I have only had one account with this company that I know of. I have tried to dispute through XXXX XXXX and have called the company as well. This has really affected my credit score.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MN)

Be advised Im putting your bank on full legal notice there are rules and bi laws that apply here to major banks and myself that we MUST follow and obey laws I have submitted factual information regarding my credit report that clearly shows that you not reporting illegal information and this tradeline must be removed. Per the FCRA all reporting must be ONE HUNDRED percent accurate. Half your reporting is missing amd reporting incorrect if this tradeline is not removed I will be force to take LEGAL ACTION I will asked for {$1000.00} per credit reporting company total of {$4000.00} I will be reaching out to the Minnesota attorney General office first thing in the morning and most importantly I give you Give business day to delete this account. Why you want to play a game here Why dont you send me what information that each credit reporting agencies sent to your company and most importantly You send me what information you provided them. I want this information in physical documents no rig raft I supplied you with factual document pretaining to my issue! If not this will be considered unverified! Again I want this in physical proof! Or delete I will be waiting your response leaving off information is req and must report remove today
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Sent HIPAA letter on XXXX to XXXX XXXX and received a response via mail XXXX stating they couldnt locate account ( s ). I provided my name & address as it appears on my credit report in which they are reporting too.