davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Camelot Financial Services, Inc. (CA)

received the following email on XX/XX/XXXX : I have no idea who these people are. 

Case File Submitted on XX/XX/XXXX DEBT SETTLEMENT Failure to respond may result in a warrant being issued for your arrest. 



Hereby we inform you that you are obliged to come as a defendant to the District Court of Appeals on XX/XX/XXXX, at XXXXXXXX XXXX for the hearing of your case of defaulting on a LOAN, CASE # XXXX. 



XXXX XXXX XXXX has filed a lawsuit against your Name and Social. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in the process of informing the Social Security Administration & major Credit Bureaus as well. 
You are summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 485 ( c ) we are automatically authorized for filing this petition and taking any action to collect this debt from you.

We are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately.

A violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly.

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Then on XX/XX/XXXX i received this : We are talking about the loan amount of $ XXXX that you took with A XXXX XXXX XXXXXXXX XXXX XXXX they do have a signed copy of the contract which is signed under your E-mail address and SSN, and was also traced when you were signing the contract with the company. 

ACE Ace loan online, it is a parent company which owns and operates more than 350 websites, you applied from one of our websites and you never bothered to pay this debt, so the creditor wants to know your intention about this matter that what would you like to do whether you are willing to resolve this case or you want to dispute. 

The XXXX XXXX has more than 14 types of technical evidence in order to prove the money was successfully deposited into your bank account which was a checking account. 

If you are willing to resolve this case then we can provide you a one-time settlement offer of {$500.00} That has to be paid till this Friday as paid in full with XXXX balance.
Consumer complaint received 2023-06-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SP Servicing mismanaged my escrow account and it is {XXXX} short. SP Servicing wants {XXXX to right the escrow account. They want a 24 month cushion for the 12 month taxes and insurance, I told them I do not want a 24 month cushion and they said no. My mortgage payment has gone from {XXXX} to {XXXX}, almost double. I am XXXX XXXX XXXX and this creates a hardship. The impound ( escrow ) account does not need an extra YEAR of impounds and I do not think this is legal. To my knowledge, no one else has a 24 month impound. I thought my sXXXX XXXX XXXX was going to have a XXXX thinking about his impound doubling. My principal and interest payment to the bank is UNDER {XXXX
Consumer complaint received 2020-02-09
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. (NJ)

Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit profile.
Consumer complaint received 2017-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

This is the SECOND complaint I am filing as Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered  credit score. I disputed these two accou nts o n  XX/XX/XXXX  of  this year through  XXXX ,  XXXX  and  XXXX  to no avail.  Midland Funding has  appropriately closed one account  (   XXXX   ) , but still leaves  one  account (  XXXX  ) open without any sort of validation.  <P/> To date , Midland Funding has  continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I have  the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a paper stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  <P/>  Midland Funding stated in their response that they have verified that the items listed are accurate but has failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said you did. Midland Funding 's failure to delet e the disputed accounts that you cant verify after  two written requests is also evidence of your willful disregard of Federal Law.   <P/> This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NV)

On XX/XX/2023 I ordered a security system from XXXX using the affirm payment process. On XX/XX/2023 I decided to return the equipment because I was not happy with the service. XXXX XXXX got the equipment back on XX/XX/2023. I am still having problems with getting affirm off my account. They keep bugging me for money that I do not owe becuase I returned the equipment back to XXXX XXXX. XXXX XXXX told me that they received the equipment and they would tell Affirm to remove my debt. I keep receiving notices from Affirm to pay them money when I don't have the equipment.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX Opened : XX/XX/2017 Origianl Creditor Name : XXXX XXXX XXXX XXXX XXXX  Amount : {$600.00} Account Closed. First Credit Card. Inexperienced with credit. Want to pay interest. Financial Hardship.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (AL)

The company listed below went into my credit file without authorization. I contacted the company and spoke with a representative and explained that I did not apply for credit with their business. I shared that there were 7 hard knocks on my credit file ( with XXXX and XXXX. ) In addition, there are 10 or more hard knocks with XXXX. Nevertheless, they have fail to removed any of this information. Your help is much needed!!!! 

Chase Bank USA. NA XXXX XXXX XXXX XXXX XXXX, DE Telephone Number ( XXXX ) XXXX
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

I had a credit card with Wells Fargo. I previously owed XXXX $ on it. I paid that off a few months ago. I thought I had paid off the entire debt but apparently owed XXXX $ in interest. This was not showing up in my online accounts as being still owed. Eventually I got a letter from Wells Fargo saying they were closing my credit card account and sending the XXXX $ which was now XXXX $ to credit reporting agencies. I have had about XXXX $ in my Wells Fargo checking account the whole time. I called Wells Fargo because my credit card account is still showing XXXX balance. The lady I spoke with said she was requesting this to be dropped. I got a letter about 2-3 weeks ago saying Wells Fargo had researched it and their information was correct. They were reporting it to credit reporting agencies. I called again today and spoke with someone who said he was going to remove the problem from credit reporting agencies because the debt of XXXX $ was based on interest. I do n't understand that. I asked why they did n't just pay the remaining balance from my checking account. He said that his department could not take payments from me. Nobody has offered to reinstate my credit card. I am very frustrated. Incidentally I also have a mortgage with Wells Fargo. I have been thinking of trying to refinance with a different company because I do n't trust or like Wells Fargo. Perhaps they are trying to make my credit worse so I can not refinance the loan, although they are so huge, there would be no reason for them to care about my measly XXXX mortgage. Please assist. I would like for them to reinstate my credit card.
Consumer complaint received 2022-10-16
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. (IL)

I have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.XXXX XXXX CT IL XXXX XXXX XXXX
Consumer complaint received 2022-10-16
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. (NJ)

This is a repeat of Complaint XXXX, which Experian did not completely respond to... 

I have attempted to correct this FALSE information for two years, with eight written requests. 

See the LARGE numbers of FRAUDULENT information that is still on my report. The number of fraudulent items to be REMOVED from my credit report are listed after each item below ( X ). 

Fraudulent information on my credit report is still present ( see attachments to this complaint ; ALL incorrect information is marked with an X ) : -- Hard ( XXXX ) and Soft Inquiries XXXX XXXX XXXX that only pertain to the fraudulent information that was supposed to be removed. 
-- A large amount of personal & other information that is not mine : Names ( XXXX ), addresses ( XXXX ), social security numbers ( XXXX ), birth date, telephone numbers ( XXXX ), Spouse/co-applicant ( XXXX ), Former/Current employers ( XXXX ) and Notices ( XXXX ). 

ALSO : Security questions to verify my identity on XXXX are fraudulent- they are from account information that Experian stated they have removed, per the complaint number above. 

NOTE : I have only had a single legal name in my lifetime, and have lived at my current address for XXXX XXXXs, and only have a single social security number. 

NOTE : I have opted out of remediation for dispute resolution, per written notice to Experian in XXXX
Consumer complaint received 2018-04-20
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: AFNI INC. (AR)

Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} AFNI, INC. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

My brother in law helped me opened up a Goldman Sacks credit card in my iphone in XXXX, I didn't use it much as I am XXXX XXXX XXXX and not good at using the fancy stuff. from XXXX I used it more, as it just showed up automatically on my phone. Initially I thought it is part of apple app and can deduct the amount from my app account. I didn't get bills as it is all in the apps and I didn't know where to find the bills. Then I got calls from GS when they became over due, I always paid off the whole balance. After a few times I realized I should set up autopay so I did and thought that I don't need to worry about it. Then a few weeks I was doing loan and I was told that I had {$700.00} over due, so I called XXXX and asked why I had a overdue balance when i have autopay which is supposed to payoff the whole balance. I was told that the autopay could only pay the current month balance and not prior balance, but nobody told me that when I set up auto pay.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-06-16
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 (CA)

Capital One never provided me with my right to opt out of having my personal information shared with third party companies. I feel taken advantage of and I request for them to correct this right away as I never wanted my information shared.
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I meet a guy on XXXX saying hes from XXXX and hes selling XXXX XXXX  XXXX  {$50.00} for {$45.00} and I made payment via PayPal to him Later find out card was already redeemed. He told me hes gon na refund the payment later find out he blocked me on PayPal and on XXXX. 
XXXX PayPal email ; XXXX XXXX sent {$45.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 with written/unwritten and verbal or non-verbal per 15 USC 6802. I reserve the right to disclose nonpublic personal information about my consumer to a nonaffiliated third party and demand the reporting stop immediately. Following accounts shall be presumed as opted out :
Consumer complaint received 2023-04-04
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. (PA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX my wife 's payroll company accidently sent her pay to an account that Huntington closed on XX/XX/XXXX without stating a reason. I called Huntington and they told me they are unable to track transactions at it should be returned in 7-10 days. They should have rejected the transfer as the account was closed and they no longer want to business with us. When the closed our account on the XXXX they issued a check for the {$2.00} remaining balance with tracking and a signature requirement. The money was never sent back. I went to the bank today and all the manager would tell me is some part of Huntington printed a check on the XXXX and had already mailed. I use USPS informed delivery and they will notify me of all mail by scanning it and emailing me pictures and tracking numbers if there is packages or registered mail. There have been no letters from Huntington. The manager stated " The checks in the mail '', and I do not believe that as I can see the mail. I will be filing a police report to get the illegal acceptance and retention of {$160.00} noted to file a lawsuit to recover said money. Their practices are abhorrent and verging on criminals. I'm glad to have a better account now that doesn't have {$35.00} out-of-network ATM fees that even kick in when you use your card at XXXX XXXX. They need to be better monitored as they are the worst bank in Michigan, ask anyone. We were stuck with them because they bought our old bank.
Consumer complaint received 2019-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

XXXX XXXX XXXX Last reported XX/XX/2019 Reported balance {$680.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX NOW THIS COLLECTION HAS ALREADY BEEN TAKEN OFF MY RECORD AND HANDLED! NOW THIS COLLECTION AGENCY THAT NEVER TRIED TO CONTACT ME AT ALL HAS PLACED THIS BACK ON MY RECORD CLAIMING I OWE THEM IN WHICH I DON'T!! 

AND I HAVE PROOF! 

THIS IS THE AGENCY THAT HANDLED IT FIRST! COPIED FROM MY CREDIT REPORT Accounts In Collection Removed ABILITY RECOVERY SERVICE Collections Account Removed This is great news! Collections accounts can do a lot of damage to your credit score, so getting one removed is often great for your credit health. Collections accounts are typically removed after seven years, or could be removed due to a dispute or settlement. 
Between XX/XX/2019 and XX/XX/2019, your ABLTY RECVRY collections account was removed from your credit report.