davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (IL)

Hello, I have repeatedly tried contacting XXXX XXXX XXXX since XX/XX/2021 about a derogatory account that appeared on my credit report for {$90.00}, part of an alleged {$150.00} owed that I was not given information about. They apparently sent it to a collections service, State Collection Service, with whom I contacted. I disputed this due to the fact I had not received notice of this. They too found that they had received incorrect contact information from XXXX XXXX XXXX ( on behalf of Illinois XXXX XXXX XXXX in XXXX ). 

They closed the account and sent it back to XXXX XXXX XXXX. I received a written notice of this and two phone calls confirmed. I have repeatedly contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX to check if this debt is legitimate and to verify it and have received various replies. The contact was in the form of several certified mail letters ( with receipts showing they were delivered to the correct address ) and about 8 phone calls or so. They admit they are upgrading to a new computer system and had my old address on file ( which doesn't make sense since I've used 3 other XXXX offices from the same XXXX and they have the correct contact information ). 

Each call I was told they are not showing anything, then a rapid call back, I was told that they do have a record of it but they haven't verified it with the Collections Company ( State Collection Service ). I now contact the collections company again and the representative as well as automated system has no record of any accounts for me. I call XXXX XXXX XXXX again and they say they received notice of this, but the system hasn't updated. I provided them with my correct information and each subsequent call I am getting a somewhat different story or finding out they still have the wrong contact information. 

I have repeatedly and in good faith tried to contact XXXX XXXX XXXX and its associated XXXX and they will not provide me with an answer except " call back in 10 days '' which I had been told 4 times. Each time I call, they have issues looking up the account, which actually exists, and then I am told that the account isn't " updated ''. This is ridiculous as if I owe a debt, I will gladly pay it, given I am informed of it. I have a perfect record of doing so, and when I am trying in earnest for almost 6 months to verify if it existed at all, they provide ambiguous 'answers '.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (CA)

I received an credit alert that I had a collection for a Cable bill for an apartment that I do not live in or know anything about. I called the company and told them that this was identity fraud because I do not live at that residence. They said they would make a report. I then contacted XXXX to dispute it and the dispute came back that I still owed the balance by the collection company : FRANKLIN COLLECTION SERVICES XXXX Remains 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. Please review your report for the details.
Consumer complaint received 2015-09-16
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group (MS)

On XXXX XXXX, 2015 @ XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a XXXX address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & XXXX address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of Lion Stone Holdings Group LLC XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2021 I purchased 5 handbags from a website that claimed that all items are XXXX XXXX Authentic bags and I paid {$990.00} for the bags. 

When I received the bags it turned out to be that all the bags are fake. I tried to communicate with the company but the website disappeared and they are not responding to my emails I tried to call the number listed with no answer till finally I got a text message stating that this number I am calling is not a business I called capital one and informed of what happened hoping that I can get my money back for its fraud and the items I received were counterfeit items and after months of investigation by the bank I received an email from the bank that unless I prove that the items are fake my claim will be denied I tried to find companies that verify authenticity of XXXX XXXX bags but it was going to cost me over {$500.00} to verify and I already lost a {$1000.00} so I could not get the requested document and my claim was denied I want to ask a few questions and would like the bank to answer 1. if bags were authentic they would be worth at least $ XXXX do u think anyone is stupid enough to ask for his money back if he/ she has 5 authentic XXXX XXXX bags worth 6 to 8 times his money? 

2. How did they investigate if the sellers website was shot down?

3. How did the bank contact the seller if the number was a private number not a business number and the seller cant be reached?

4. Since when do u ask the victim of fraud and counterfeit items to prove that items received are fake after all the above details 5. What happened to card protection?

I will not accept the banks unfair, unethical and unprofessional decision to deny my claim and the banks response to the reason of denial
Consumer complaint received 2023-06-29
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Only on my XXXX credit file, it shows I have a late payment for a Capital One card ending in XXXX that I have closed and I know I made a final payment before it closed. The late payment only shows on my XXXX and not my XXXX or XXXX credit report. I do not believe this is fair because I have never had a 30 day late payment on any of my credit accounts. I have dispute the results with XXXX and they have told me that the missed payment is correct even though it is not. After that I have called Capital One customer support and they have confirmed with me that a payment has been recieved. I was then informed to send a letter to Capital One which I have and received a letter stating that the missed payment is still accurate. I don't know what my options are now to get this removed.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

FTC The incident took place on XX/XX/2023. I discovered that my wallet was stolen. Immediately afterwards, I became involved in identity theft. Here is a brief timeline of what took place. Attached please find supporting documents. 


XX/XX/2023 - reported missing wallet. 

Missing Items : ( XXXX cards ) XXXX Debit card, XXXX Credit card, Drivers license and XXXX - XXXX XXXX XXXX card, designer wallet. 

XX/XX/2023 XXXX XXXX XXXX  An UNAUTHORIZED Transaction was made in the amount of {$13.00} in XXXX XXXX ( See attached statement ). I called Chase and Chase credited my account for {$13.00}. 

XX/XX/2023 - Called Chase and reported the following to the FRAUD department. 

An UNAUTHORIZED wire transfer that I did not make for {$10000.00} An UNAUTHORIZED wire transfer that I did not make for {$2500.00} Chase CREDITED my account for {$10000.00} ( see XXXX. stmt. ) Chase did not RETURN {$2500.00} to my account as of today. 

XX/XX/2023 - I am working with XXXX XXXX XXXX to resolve these matters. 

Chase accused me of being the thief instead of supporting me as a victim. I have not recovered {$2500.00} to date.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Self Financial Inc. (PA)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX Self Financial Inc/ LEA, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-02
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. (NC)

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX, CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account XXXX : XXXX
Consumer complaint received 2022-10-11
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. (NE)

In accordance with the fair credit reporting act. 
This creditor has violated my rights.

under 15 USC 1681 section 6 0 2, States I have the right to privacy.

15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an Account without my written instructions.

Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (IL)

On XX/XX/XXXX of 2018 GM Financial reported an outstanding balance remaining on the leased vehicle of {$190.00}. This was not noticed until i pulled my credit and they were reporting this balance because they had an invalid address in their system to send the proof of the debt to. I have paid off the balance and provided them with my correct address. I have the proof showing they were sending the statements to the invalid address that does not exist. I have contacted them several times to delete this off my credit since it has been paid off and they refuse even though i have proof showing they were sending the statements to an address that is invalid. I need this deleted off my credit report as soon as possible or i will have to seek legal action against them for their mistake.
Consumer complaint received 2022-02-11
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NJ)

I called EdFinancial on XX/XX/XXXX about the loan forgiveness that was issued for up to {$10000.00} and any payments made since XX/XX/XXXX should be refunded up to that amount. I made payments totaling {$5500.00} since XX/XX/XXXX and am eligible to be refunded for that amount. After talking to them on the phone I was told it will take 150-180 business days to process my refund. Other lenders have been getting these refunds to people within a week.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CA)

I contacted Guaranteed Rate Mortgage to establish an escrow account for property taxes and insurance in or around the end of XX/XX/2021. After submitting bills to the escrow folks, I was sent two letters to show me the amounts to pay in additional funds for the establishment of impounds to pay hazard and taxes. After another month or two went by, they refunded my money and did not establish a tax account. Only hazard. I have attempted repeatedly to get the account established talked with multiple agents who all professed that they fixed the issue. They lied. I resubmitted additional monies and they booked it as another mortgage payment. Now they service transferred my loan to XXXX XXXX. 

Guaranteed mortgage does not honor their agreements and there is no quality control. This is probably worthy of a class action lawsuit as it is apparent this is their business model.
Consumer complaint received 2022-12-06
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: FORD MOTOR CREDIT CO. (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-04
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: CCS Financial Services, Inc. (AL)

n accordance with the Fair Credit Reporting Act XXXX XXXX # XXXXXXXX Credit Collection XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX has violated rights 15USC1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (PA)

Hi - I have raised a concerned with XXXX about my issue that the offer was not service as expected. 
therefore i have raised a case # XXXX on XX/XX/2019 with XXXX and till date there is nothing happened. 

I was offered buy a phone and get a phone deal from sprint and when i availed the service from sprint .... even post 60 days i did not get the offere from XXXX. 

When i called XXXX for help, they took the case, no action made on that .... upon several calls, they confirmed that there is no offer exist .... 

mainly the reason for me to go XXXX was the offer only ... 

XXXX case XXXX
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (AZ)

In XXXX I received a letter from GenesisFS also known as Milestone card dated XX/XX/XXXX, advising me that they had recently processed a change of address on my milestone CC account and that this letter was being sent out to previous address. Soon as I received it and got notice I called them and let them know. I didn't feel confident because most of their agents seem to have little knowledge and little room to resolve things, but I told him to make a note on my account that there was suspicious activity going on. I guess it was never done, about XXXX days ago I notice when checking my XXXX XXXX that my score went down by XXXX points because my CC was utilized to the max. When I found this out my balance was showing {$490.00}. I called them again and was upset that they sent the card out any ways. I have lived in XXXX, AZ my entire life and I have had this CC with them since the middle of XXXX. I have hardly used my card let alone maxing it out. I check statements and it shows that the last time activity was used was in XXXX. I had a credit of $ XXXX. I ask them how this could happen they told me this person was able to change it through the automated system using my date of birth and social security, but shouldn't someone verify old address before making a change like this. I believe fraud was committed on me by the credit card company Genesis or also known as Milestone. They did nothing to protect me and when I called to make sure my account was closed for good, I witnessed my balance went from {$490.00} to now {$920.00}. I have never gone over my limit, and I have other cards, but I hardly use this one because I had a lot of issues with it, far as it is declining when trying to use it and i had available credit also it would say it wasn't activated but I used it before in the past and also there was no app so it would make it challenging to use. I know we live in a world where this is normal, but I want something done, they aren't willing to help and told me they will do nothing. There is so much evidence showing I couldn't have done this. The person who is committing fraud against me has made all these transactions in Florida. Also, the card I had ended in XXXX and the new one they issued to whomever ended in XXXX but the transactions made in Florida are showing used by XXXX isn't that something.