davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (PA)

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Consumer complaint received 2024-03-30
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: JPMORGAN CHASE & CO. (NJ)

There are a lot of charges and things on my credit report that I have nothing to do with and it is preventing me from moving forward in life. From bank statements to identity theft and I have no idea how to fix this problem
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Unbeknownst to me, I had a judgement against me. I went to court and let the judge know I was never served, so it was vacated almost a year ago. However, last week while applying for a refinance of my home, I received a copy of my credit report that shows said judgement. I've contacted both the court and the county small claims advisor and they said they can not help me fix this error. Please remove this from ALL of my credit reports. The case number is XXXX. Thank you.
Consumer complaint received 2024-03-30
Product: Credit 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: DISCOVER BANK (MI)

I recently returned a pair of XXXX shoes that I had bought in XX/XX/XXXX, and on XX/XX/XXXX I got an email from XXXX saying they received my return. I still have not received the refund which should be for {$51.00} back to my Discover credit card for this return. When I tried to contact XXXX they said they were having an issue refunding my Discover card. Please process the return refund back to my Discover card.
Consumer complaint received 2024-03-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VW Credit, Inc (WA)

Leased a vehicle in XXXX, XXXX  from VW. After becoming XXXX, I reported I wanted to turn vehicle in due to financial and military obligation. Turned vehicle in but still being charged for complete lease term which has cause a charge off but damage to credit profile and auto purchase opportunities. Called VW financing but was told account was sent to someone else for collection ( no name given ) but I would have to pay the remaining lease balance to that collection company ( whom I never heard from ).
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

On my credit it shows Syncb National Credit Cards/Airlines. I have gotten bills, calls etc. I told them I never got any money for any airline anytime in my life. I simply was looking but never received anything. They did not care. This needs to come off of my credit. I am not paying for something I did not do.
Consumer complaint received 2020-02-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Midwest Acceptance Corp. (MO)

Midwest Acceptance is a predatory lending that has poor communication skills. I have tried to contact them on several occasions regarding my purchase. They are rude and disrespectful. I have filed a previous complaint the attorney general in XX/XX/XXXX. Since this has been done, they have made no effort to make an agreement with me to settle the balance. I have made payments that are not reflected on my credit report, and they have retailed against me by adding to my credit report that they are unable to locate me and sending to collections despite the voicemails that I left in an effort to an agreement. This account was written off 33 months ago and I have been patiently and desperately trying to get a response from the company. No agreement was ever offered to me. I was based and talked to poorly by the manager of this company. He stated " It is not my fault that you can't pay your bill, We have not pity for you '' before disconnecting the call in XX/XX/XXXX. Please investigate this company as they are not working within their rights. They refused to allow me to make any payments, and they are purposely trying to destroy my credit. I have been battling with this company for almost four years and yet to receive any results.
Consumer complaint received 2016-11-29
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (DC)

I had an account for around {$1000.00} at XXXX at the XXXX, Wisconsin branch before that bank was purchased by BMO Harris bank. I was unaware that the bank was being purchased, and I was living abroad for several years before learning about the purchase. I then contacted BMO Harris bank to retrieve my money, and they have told me that they have no records of this account. They instructed me to contact the office of unclaimed property in the state of Wisconsin, which I did. They had no records of this account either. I have a banking statement of the account in question from XX/XX/XXXX, but BMO Harris refuses to honor this issue. Please advise.
Consumer complaint received 2016-03-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

More XXXX of XXXX - - Your Loan Has Been Approved! 












XXXX x XXXXXXXXXXXX XXXX XXXX ( 1 hour ago ) to me Congratulations! 
Your loan has been approved for {$5000.00}! * Get your loan as soon as today : 1.Get approved ( Done ). 
2.Make an appointment with your local branch XXXX. 
3.Get your check as soon as today! 

What will happen at my branch appointment? 
1.You 'll meet with your personal loan specialist to verify your identity, income, and sign your loan documents. 
2.Be sure to bring a government ID ( e.g. Driver 's License, State ID Card, Passport, or Military ID ). 
3.And for income verification, you can show us your last XXXX paystubs, most recent signed tax return or bank statement verifying direct deposit. 

Thank you for choosing Springleaf! 

We look forward to helping you complete your loan request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2019-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

LoanCare/XXXX  is the mortgage servicer for this property. They are incorrectly assessing the county taxes for this mortgage due to their mistake ( they did not send the 1st half 2019 payment to the county ), which has increased my monthly payment by more than $ XXXX/month. They are collecting double the annual taxes {$3700.00} rather than the actual amount of XXXX - I provided them, per their request, with a copy of the county tax statement. 

I faxed the below letter to them on XXXX/XXXX/2019. I called them on XXXX and they confirmed receipt and said the issue would be resolved by XX/XX/XXXX and they would contact me via email. I called XX/XX/XXXX and they said case was closed with no explanation and the escrow is still incorrectly being assessed. They attempted to transfer me to a supervisor after disconnecting me multiple times. 

*****Letter text sent on XX/XX/XXXX/XX/XX/XXXX/2019****** Loan number XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX ESCROW ANALYSIS REQUIRED Please be advised the tax escrow account is setup incorrectly on this loan and escrow transactions need reconciled.

The annual taxes are {$1800.00} for this property. {$930.00} each half. See attached first and second half statements from the XXXX County Treasurer. 

According to the payment history of this loan, you did a CountyTaxDisb debit on XX/XX/XXXX2019 for {$930.00}, but the county auditor does not show this payment reaching them. 

You also did a CountyTaxDisb debit on XX/XX/XXXX2019 for {$1800.00}, but the county auditor received a payment of {$1900.00} on XXXX/XXXX/2019, which was the amount due for the full year PLUS penalty and interest. 

I request that you resolve this matter immediately and contact me that this has been resolved. I tried to resolve this with a customer service agent with your company but they would not take ownership of the issue. 



XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (UT)

CBE Group XXXX XXXX XXXX XXXX, IA XXXX I had no knowledge of this debt. I have not, ever received notice or been contacted to pay this debt. 
I found it on my credit report ( XXXX ). 
I have attempted to rebuild my credit and they flagged my report. ( XX/XX/XXXX ) I found they had reported it again, as a separate debt. ( XX/XX/XXXX )
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I have filed 3 previous complaints : XXXX, XXXX, XXXX, about TransUnion and how they allowed a furnisher to obtain my information under false pretenses. I had an Adverse Account put on my credit from XXXX XXXX also known as XXXX XXXX. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ]. 

On XX/XX/2019 while on the call with a TransUnion representative she deleted the account. On XX/XX/2019 I received the Investigative Results which only stated " DELETED ''. TransUnion did nothing more than delete the account while I was on the phone with her. The furnisher did not receive any notice from TransUnion that I disputed the debt. TransUnion did not notify the furnisher at all. 

I requested TransUnion send a description of the PROCEDURE used to determine the accuracy and completeness of the information provided and TO include the business name and address of the person they contacted in connection with such information. On XX/XX/2019 the TransUnion representative said that since TransUnion " DELETED '' the information it can't be disputed. 

XX/XX/2019 I called to have the hard inquiry from this same furnisher removed. I was told I have to get a letter from the furnisher asking them to remove it. ( not going to happen ). Then I asked what purpose did the furnisher give. The representative went on to say she 'does n't know the codes and let me give you our address to send the letter '. 

Consumer Financial Protection Bureau what do I do now? After 3 disputes and three phone calls I still am being denied my rights under The Act. The furnisher had no permissible purpose to obtain my report. It is a landlord trying to collect a debt. They do not have a court judgment, they are not a credit agency nor did I apply for insurance, an apartment, a loan or employment. THEY ARE AN APARTMENT COMPLEX IN XXXX OK who obtained my information under malicious and intentional pretences.
Consumer complaint received 2022-11-17
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. (CA)

XXXX Experian XXXX XXXX have been dragging this investigation out in regards to XXXX XXXX XXXX XXXX ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXX XXXX  Investigator XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXX we did a balance transfer from a Capital One acct ending in XXXX to a XXXX XXXX cc. Capital one put the money in an account that has been closed since XXXX ending in XXXX. After hours on the phone with them they finally discovered their mistake and moved the money from the closed account ( XXXX ) to the account where it was supposed to have gone ( XXXX ). I received a confirmation email from capital one on XX/XX/XXXX. 
On XX/XX/XXXX I received an email from capital one stating I have an overdue balance of over {$5400.00} on the account that had been closed in XXXX ending in ( XXXX ). When I called capital One a woman named XXXX license XXXX stated that despite me being an authorized user on the old closed account ( XXXX ) she would still need to speak with my husband before correcting their mistake. She did acknowledge it was a mistake on their part, she did acknowledge that its inaccurately on our credit reports ( both mine and my husbands ), she did acknowledge that my husband and I called them together in XXXX to correct their original mistake. Despite all of this she will not correct the mistake on their end and mentioned that it was accruing interest every day ( on a balance that was a credit not a debt ) and thats why the balance went from a little over {$4700.00}, which should have been a credit due to balance transfer, to a debt of over {$5400.00}. 
Problem is, which I explain to her, my husband has been working out of town and wont be back until XX/XX/XXXX. Hes in a part of the desert with no reception. He has a satellite text feature but no phone service. When I explain that this was dragging our credit rating into the sewer she said theres nothing she can do. I asked to speak with a supervisor and she said she was the highest person available by phone at all of capital one. 
My complaint is that my, and my husbands, credit is impacted by their mistake, again, and they are not willing to correct it. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit 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: ALLY FINANCIAL INC. (CA)

I am prepared to accept your offer under the condition that you provide evidence supporting your assertion that the payment from XXXX Credit Card Account was not fully applied to my account every billing period. 

This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. 

If your offices fail to respond to this validation and proof of claim request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Consumer complaint received 2022-11-17
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. (CA)

Equifax XXXX XXXX XXXX have been dragging this investigation out in regards to XXXX XXXX XXXX XXXX  ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXXXXXX XXXX Investigator XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

i have never been late to this account. i have records of all my payments sent to JP Morgan and Chase for this vehicle.

on the month of XX/XX/XXXX Chase apparently misplaced my check and payment.

i paid my XX/XX/XXXX payment on XX/XX/XXXX Check # XXXX  i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. later on i spoke to Chase and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

This collections agency called American Collection Agency DBA Retrieval Masters Creditors Bureau Inc had my personal private information on file for a debt that I do not owe and they did not realize they had a data breach which affected people in their system. Now I received a letter to let me know that my personal info could be on the dark web. 
What kind of lack of security are you running? You should be sued for losing people 's private information.
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc. (OH)

I HAVE A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE CBCS # XXXX. I NEVER BEEN TO XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THIS ACCOUNT IS DEFINITELY FRAUD OR IT BELONGS TO SOMEONE ELSE. 
I BELIEVE IT BELONGS TO MAYBE ANOTHER XXXX XXXX. PLEASE DELETE THIS ACCOUNT AND STOP ALL CONTACT WITH ME!
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX RE via XXXX XXXX Inquiry Type : Individual Requested on : XX/XX/XXXX Permissible Purpose : CREDIT TRANSACTION I disputed this transaction with the Credit Bureau and the Creditor, I never authorized this inquiry. 

XXXX XXXX XXXX  / XXXX # XXXX Date Opened : XX/XX/XXXX On the following dates : XX/XX/XXXX 60 days late, XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late. 

XXXX XXXX XXXX / XXXX # XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late As reported to the credit bureau XXXX XX/XX/XXXX payment to this same creditor reflects CURRENT although beginning 30 days later XX/XX/XXXX it reflects 90 days late. 
I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late.