davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX , XXXX. located in XXXX XXXX, MN claims that I owe a debt of {$1100.00} and that the original debtor was XXXX. I sent the initial letter disputing the debt on XX/XX/2018. XXXX XXXX replied claiming that the debt was " verified '' however, they have failed to provide competent evidence BEARING MY SIGNATURE, showing that I have ( or ever had ) some contractual obligation to pay them. This is a violation of FCRA & FDCPA. If a company is unable to validate the debt, it must be requested by the credit bureaus that the entry be removed. 
On XX/XX/2018, I sent a second letter to XXXX XXXX requesting, yet again, a contract bearing my signature as proof that I have a legally binding contractual obligation to pay them. XXXX XXXX responded with an itemized statement rather than my signature on a contract. I requested for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I may inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they must be aware that a printout of a bill or itemized document does NOT constitute verification. 
I am a victim of identity theft, and I am simply requesting proof.
Consumer complaint received 2022-03-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: STATE BANK OF INDIA - NEW YORK BRANCH ()

For the past XXXX years, I have had XXXX  ( {$50000.00} ) XXXX  that matured every XXXX years. I have lived in the XXXX all this time. In XX/XX/XXXX, my records indicated that all XXXX XXXX would mature on XXXX. Since I was moving back to XXXX  in early XXXX, XXXX, I told the Bank that I wanted to meet with them personally to see what new options were available for a new XXXX year term. I told them that, when the XXXX mature on XXXX, roll the {$250000.00} over into a regular savings account, at your regular interest rate ... until such time as I can meet with them in XXXX. 
I have contacted then on : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, to confirm that my money is now in a savings acct. They have ignored all my contacts. I have no idea now where my money is.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I made a purchase at XXXX XXXX and charged it to my card ( XXXX ) ( SEE ATTACHED DOCS ) which explains the issue. I never asked, authorized, or opened another XXXX card ( reporting on my credit as XXXX but somehow Citi owns it ). That XXXX account is XXXX.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed my account for not reporting paid in full months afterwards. It was then deleted off of my records and my name was removed from the joint account that was removed from my report.
Consumer complaint received 2022-03-12
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. (LA)

My father passed away XX/XX/2021. I was an authorized user on his XXXX  XXXX XXXX XXXX card. I notified XXXX XXXXXXXX XXXX the same day that he passed. They inturn closed the account. Since that time XXXX  XXXX XXXX has reported a delinquency on my credit report for that card. I contacted XXXX XXXX XXXX XXXX division and they advised me that since I was immediately removed from the account that I could not access any information but that nothing should be reported on my credit and assured me it would be removed. Today I received a letter from XXXX XXXX XXXX that the information they reported was correct and would not be making any changes and they closed my dispute. Upon contacting them they said since I was not the account holder or executor they would not give me any information. 

My credit is very important to me and I maintain a clean record but now I have a delinquent account that I was removed from and XXXX  XXXX XXXX refuses to resolve the issue with me or give me any information.
Consumer complaint received 2022-03-12
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: JPMORGAN CHASE & CO. (CA)

A fraudulent transaction showed up on my Chase credit card. It was reported to Chase immediately. Chase closed XXXX investigation cases and has reapplied the fraudulent charge onto my card. Chase is forcing me to pay for the fraudulent transaction. XX/XX/XXXX : I logged into my Chase account and noticed a fraudulent charge of {$1000.00} to XXXX in XXXX XXXX, XXXX. I immediately notified the Chase fraud department. The credit card was in my possession the entire time. The Chase representative cancelled my credit card and issued me a new one. The charge was removed while Chase investigates. XX/XX/XXXX : Chase closed the investigation and reapplied the fraudulent charge. XX/XX/XXXX : I called Chase to reopen the case. Chase instructed me to file a police report. Police report filed. XX/XX/XXXX : Chase closes the investigation. Chase claims the transaction is valid and that I am responsible for paying the fraudulent charge.
Consumer complaint received 2018-10-24
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. (TN)

I have disputed the late payments on this XXXX, XXXX & XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NJ)

This account is a fraudulent account that was not opened by me. I keep getting statements in the mail and I never opened this card. You can check the transactions that it was not done by me. I went on XXXX and filed an Identity Theft report to help me take care of this.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Im having a issue with my TD Bank business account, the ban are now put a alart or hold on the account so that im unable to do any withdrawals or make any kinds of transactions or payment, please remove the alart or any hold immediately, and please contact me at XXXX or XXXX if you have any questions or email : XXXX XXXX
Consumer complaint received 2018-10-24
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. (UT)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2018-10-24
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. (UT)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc. (CA)

This company called me stating that I owed money to a hospital that I did go to, however I had shown that hospital my insurance documents, so they are sending a fake scam debt collection to me. Not only did she not try to work or apologize when I had that information, she then proceeded to find another debt at another hospital. This tells me that this company, XXXX XXXX XXXX XXXX is fraudulent.
Consumer complaint received 2018-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (CA)

My father filed for bankruptcy last year. When this happened access to my student loan account was taken away because he was a cosigner on the account. When I submitted a cosigner release for it took them several weeks to get back to me with a decline. They told me it was declined because it was in bankruptcy but I am not the one in a bankruptcy, my father is. The only way to make payments now is to call in every month and I don't even know how much I owe. They also continue to accrue interest on my loans.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/year> XXXX Portfolio Recovery Associates LLC keeps contacting me and my account is already past the statue of limitations and I informed them of this as well however they keep contacting me and the balance keeps going up and up.
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 from XXXX XXXX XXXX. already put dispute case with Bank of America and email and called merchant before even working with thr bank for dispute chargeback might get reversed. Already have a repayment plan agreemrnt directly with XXXX my student loan server with Department of Education. Was told to notify my bank of scam activity. Which I did open dispute claim.
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I have a loan with Pennymac Loan Servicing, I have not ever missed a payment. Each time I call they tell me that I am missing a months payment, I have contacted them several times and they can not tell me where the breakdown is, and I have also sent in bank statements, and letters on bank letterhead stating that ALL of my payments have been made and not one has been returned unpaid. I need assistance with this issue. They are reporting that I have missed payments every month, and late charges.
Consumer complaint received 2017-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NH)

Dealing with OCWEN is like an endless game of chess with masterminds when I am a rank beginner. This game has gone on for several years but I will single out the most recent demands : I was told that I owe in excess of {$9000.00} and I must come up with two down payments to remedy the situation -- the first amount being for {$4500.00} due on XX/XX/XXXX and, then another due on XX/XX/XXXX for {$2500.00}. Thereafter, until XX/XX/XXXX, I owe an additional {$500.00} on top of my monthly payment of {$1700.00}. If I am ONE day late, all bets are off and they will begin proceedings against me. I have sent money via XXXX because if I send a letter with the funds they always say that I have not sent them on time and charge me additional money. They blocked the XXXX account that I have always used at the same place with the same service manager who has always been able to send the money but this month was unable to do so. I then sent money orders totaling my monthly payment which they returned to me, stating they would need " payment in full '' or nothing. When I challenged the amount they were demanding, they came up with a date from several years ago during which time they said I failed to make my monthly payment. However, I was in bankruptcy court at the time and the US bankruptcy trustee was overseeing my payments. He would have pulled my Chapter XXXX bankruptcy protection as a result and I would have lost my home then and there. Payments are not posted accurately. " Relationship managers '' which you are assigned and who supposedly sign off on agreements are not there when you need them. After sending them the {$4500.00} they demanded, they called to tell me they needed an OK to post the funds. Despite the fact that I provided tracking numbers for both the post office and the XXXX, they tried to imply that I had not sent them on time even though I e-mailed them the tracking information for both overnight and same day transmission of funds which should have proved the funds were sent on time. I could go on for hours regarding the mountains of mail I receive, the demands and the egregiously fraudulent activity I have endured. I know others trying to manage similar situations, one of who is an XXXX year old lady who is XXXX XXXX and can not manage any of the unintelligible XXXX they constantly sling. Time to serve a cease and desist order on these despicable people.
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (GA)

I did-not Authorize / Authorization the use of credit and/or view or pull credit report, IDENTITY THEFT VICTIM - XXXX   DATA BREACH!!!!!!!!!!!!!!!

Inquirer Name / Inquiry Date / Removal Date / Business Type / Contact Information XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX   NV XXXX  ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX  BYMAILONLY XXXX XXXXXX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX IN XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX   BYMAILONLY XXXX  XX/XX/XXXXXX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX FL XXXX   BYMAILONLY XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX   BYMAILONLY
Consumer complaint received 2018-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (MD)

OPTIMUM OUTCOMES, INC/XXXX  XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX   Tel:XXXX CEASE AND DESIST is cancelled and I need immediate answer to the derogatory report of medical report on my credit. Optimum Claimed XXXX XXXX XXXX is a medical center. 
I am requesting for my signatures on the four medical bills you said I owed the XXXX XXXX XXXX. If you don't have any itemize bills and signatures, you need to remove the derogatory reports you posed on the XXXX, XXXX  and XXXX. 

You have denied to speak to me or send information to me. Now you can talk to me. 

I never received any documentation before you posted derogatory reports on my credit reports.
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western Mercantile Agency, Inc (OR)

XXXX17 received phone call after paying {$3000.00} to the agency that i owed another {$16.00}, I said i would take care of it online, a week later they called back and then called my husband asking for the {$16.00} payment. Pushing for me to pay over the phone that day. I paid it. Previously to all this, I set up payments which I paid as per the agreement, but only after I was forced into providing them my bank statements and other documents not necessary to set up payments, I told them the amount I was comfortable paying and they argued with me with unreasonable payment amounts. I felt threatened that if I did n't agree to them they would garnish my or my husband 's paychecks even though we made payments each month and even sometimes twice per month.
Consumer complaint received 2022-03-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

My father passed away XX/XX/2021. I was an authorized user on his Bank of America credit card. I notified Bank of America the same day that he passed. They inturn closed the account. Since that time Bank of America has reported a delinquency on my credit report for that card. I contacted bank of americas XXXX division and they advised me that since I was immediately removed from the account that I could not access any information but that nothing should be reported on my credit and assured me it would be removed. Today I received a letter from Bank of America that the information they reported was correct and would not be making any changes and they closed my dispute. Upon contacting them they said since I was not the account holder or executor they would not give me any information. 

My credit is very important to me and I maintain a clean record but now I have a delinquent account that I was removed from and Bank of America refuses to resolve the issue with me or give me any information.
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) Asset Acceptance who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names XXXX XXXX XXXXXXXX. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a Asset Acceptance/XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that Asset Acceptance never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me Asset Acceptance contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay Asset Acceptance and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.