davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I moved into the XXXX XXXX apartments in XX/XX/XXXX and lease expired in XX/XX/XXXX. I continued to live there without a lease and new owners took over in XXXX of XXXX. They wanted me to sign another lease and I found out my husband would not be able to live there so I started to look for another place to live. I moved out without giving 30 day notice because i did not want to miss out on the place I found. I informed the apartment manager and she told me thats fine you will just lose your deposit. I also called her after I moved and let her know I was working late that day and couldnt bring the keys until the next day and she said dont even worry about it. We kept your deposit and you moved. We have a key so you are good. So I moved out the week of XX/XX/XXXX. Never signed anything after the initial lease in XX/XX/XXXX. 
I got a couple calls from Procollect a few months later stating I owed {$2500.00}. They informed it was for XXXX  XXXX  and I should call them. 
I did and they said I owed late fees and key fees and resetting fees. I told them what the manager said and I didnt have a lease and they kept my deposit and the girl just didnt say anything else. 
I disputed with procollect and they sent me a copy of my initial lease. A copy of the itemized charges but you can only see the total and an unsigned lease contract renewal. Procollect has NO validation {$2500.00} is owed to them or XXXX XXXX.
Consumer complaint received 2022-07-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Equifax is reporting inaccurate, unverifiable information on my credit report. They are reporting derogatory information on behalf of XXXXXXXX XXXX and are refusing to remove the tradeline from my credit report. 

I demand that they provide me with a sworn statement of the person at XXXXXXXX XXXX that has original knowledge of the negative tradeline Equifax is maintaining in their file. In addition to this, I demand the names, addresses, and phone numbers of each person they spoke to when they claimed to have verified the debt. 

I also demand that they delete the frivolous tradeline from XXXXXXXX XXXX  immediately.
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX At the moment of the Blizzard that was happening that day in XXXX XXXX, I have been at XXXX XXXX which is a XXXX XXXX. On XX/XX/XXXX. My husband XXXX XXXX and I had a flight to XXXX XXXX  where we wore supposed to take the flight with XXXX XXXX to XXXX. Once we got to the airport we have been told that our flight is canceled. We have had our flight booked with XXXX XXXX to XXXX XXXX. Our flight from XXXX XXXX  with XXXX XXXX was scheduled on XX/XX/XXXX.The soonest date XXXX XXXX could reschedule us to get to XXXX XXXX was on XX/XX/XXXX. The claim is for XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX which refused to cancel our flight despite the natural disaster. We couldn't get to XXXX XXXX due to the Snowstorm. We called the XXXX  XXXX as soon as we knew that we won't be able to get to XXXX XXXX. They refused to work with us and refund the flight we couldn't take due to the natural disaster. After that, I called the bank ; they seem to be understanding of our situation. They refunded the money and started the claim.On XX/XX/XXXX,  I saw a transaction of the XXXX flight and XXXX XXXX XXXX was refunded for the service that we never get to use. I'm not sure why the chase company allows them to charge me for the services I never got to use due to a historic snowstorm. I have been a loyal customer for a long time. I send some evidence of my presence at the XXXX at the time, cancelation of the flight, evidence of the natural disaster and ask you to review my claim. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

On XXXX XXXX, 2021 an international money wire was initiated by our XXXX XXXX XXXX ' family from XXXX, XXXX in the amount of {$200000.00} ( USD ). This wire goes through Wells Fargo as the intermediary bank prior to be released to my personal bank, XXXX XXXX  XXXX XXXX. 

The wire was never received into my account so I talked to my bank beginning on XX/XX/XXXX to investigate and then spoke to a manager at a local Wells Fargo branch to see what we can do. Both have said on this visit and numerous visits and conversations with management since that there is nothing they can do. The XXXX XXXX  initiated a wire trace and confirmed with us on XXXX XXXX that the wire had been received by Wells Fargo Bank in XXXX XXXX. This money has still never been released to my account with XXXX XXXX  XXXX XXXX  5 weeks later. 

The bank in XXXX has provided numerous documentation of the wire confirmation, communications they have sent via XXXX to Wells Fargo to cancel the wire since the money is not being released, etc. with no success. 

I have talked with executives at XXXX XXXX  which say there is nothing they can do and when they send a XXXX message to Wells Fargo they say nothing is pending. I have attempted to contact executives and the wire dept at Wells Fargo with no assistance either. Neither party is willing to help and this family and ourselves are out over {$2000.00}.
Consumer complaint received 2021-05-30
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. (IL)

XXXX XXXX XXXX has been reporting to my Experian report for the amount of {$3200.00}. 
I dont know this company I have never done business with this company this company doesnt have any contract with my written signature.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period.

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.
Consumer complaint received 2021-05-30
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I submitted request via certified return receipt to Equifax regarding removing the below inaccurate items from my credit report. 


This inquiry was not authorized! 
XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (GA)

XX/XX/2016 Royal mortgage charged me {$400.00} for an appraisal that was not required to refi. After my appraisal failed, XXXX XXXX told me i was angry because it failed. Im angry because he took {$400.00} for no reason. I had contacted XXXX XXXX  for the same refi and discovered it did not require appraisal. The loan was, under a XXXX XXXX  or XXXX XXXX who waive appraisals. I called XXXX XXXX asking why he charged me, he said he didnt know until after it was, done. I ask for money back and he ignored me. I was, with XXXX XXXX   and i provided loan #.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account XXXX
Consumer complaint received 2022-07-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is a follow up complaint to ARS. ARS stated : We respectfully disagree with the consumer 's interpretation of the applicable statutes, and feel that we have complied in accordance with the law. 

Despite my efforts to rectify this matter concerning ARS has to date, failed to prove that this account is mine. ARS have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. 
This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 

You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (KY)

In XX/XX/XXXX, I received correspondence from the company demanding payment for a debt I did not owe. In response, I promptly dispatched a Debt Validation Letter on XX/XX/XXXX, which they acknowledged receiving on XX/XX/XXXX. This letter meticulously outlined my request for specific documentation to validate the alleged debt, including details about the creditor, the alleged debtor, the agreement authorizing debt collection, and more. I made it explicitly clear that failure to provide this information within 30 days, devoid of errors, would necessitate the immediate removal of all references to the account from credit bureaus.

Subsequently, upon reviewing the documentation provided by the company, it became evident that the itemized bill lacked my name. Moreover, the lease agreement furnished by their office, dated from XX/XX/XXXX, to XX/XX/XXXX, did not align with my tenancy period. Analysis of the transaction history revealed an " Out of Lease '' charge only from XX/XX/XXXX, whereas my tenancy ceased in XXXX upon the lease 's expiration. Pursuant to legal regulations, any continuation of the lease beyond its term should have been documented with a specific charge, which was absent in the provided records. Thus, it appears another lease must have been executed after XX/XX/XXXX, until XX/XX/XXXX, without my involvement.

Following the demonstration of the debt 's invalidity, there was no communication from the company until XX/XX/XXXX, when they attempted to restart the collection process despite being aware of the debt 's invalidity. In response, I have engaged legal counsel to further substantiate my non-liability. In my previous correspondence, I explicitly instructed them to cease and desist all further attempts at collection.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX  Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company name is XXXX XXXX, I answered the call many times and spend hours explaining the problem I had with the original creditor. 
The accounts they purchased from my original creditors were reported as identity theft, and also a police report was provided multiple times. For years this company is calling me for this accounts. The accounts had fraudulent charges but the original creditors sold the accounts without farther investigation. They stated at the time that I did not send the information in time, but I have proof that I sent all the paperwork needed. All this information was explained to this collection company but they keep sending me the same information, ( this account was yours ). Yes the account was my but the charges were not. They just keep trying to get pay for a debts that were reported as Fraudulent. 
I did everything at the time, reported to the banks that holder my accounts, reported to the credit Bureaus and to the police, and I even put a credit alert on my Social Security. 
This company is filling me for years and years, every time I block the number they called from a different one. I have over 50 numbers already in my contact list that are blocked. I dont know what else I can do to stop this harassment.
Consumer complaint received 2020-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was contacted by I.Q. Data International , Inc. about a debt they said I owed for not paying apartment fees. This seemed odd as I had no issues and a clean balance sheet from my previous apartment and they never reached out to me about any debts owed. When I reached out to the apartment, they had a system error which an employee created two leases under my name and then accidentally cancelled the lease causing it to give me 'lease breakage fees '. They quickly removed the fees and sent me proof of a clean balance sheet showing nothing owed. 

I responded to I.Q. Data International , Inc. in person by calling, asking who to write to ( which they told me XXXX XXXX at XXXX - the parent company ), sent them an email in writing on XX/XX/XXXX with the balance sheet and debt info from the apartment building and didn't hear anything for a year. 

Now, on XX/XX/XXXX, they are continuing to send me letters again about the exact same charges, probably hoping I'd have forgotten and that I will pay, and I've done everything as the consumer to prove that they are completely wrong.
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

1. Chase willfully and intentionally marketed and promoted its Chase Bank Business Visa to an individual who is not a business, but to an individual for business purposes and for which is was used. 

2. If Chases marketing and promotional strategies were intended ( targeted ) to engage the services of an individual, then clearly it would be illogical for Chase to promote or market a Chase Business Visa to any individual, therefore clearly demonstrating its full intention to engage a business-to-business relationship that directly involved an individual, which in this case, is a business opportunity with the nonprofit organization that I ( as an individual ) was involved. 

3. The Chase Business Visa application acknowledges and fully demonstrates its intentional to secure a business-to-business relationship by requiring the following business information first in the application process ( see Addendum # 1 in attachments ) - Legal Name of Business Name on Card Business mailing address - Type of Business - Business Phone - Tax Identification Number - Number of Employees - Annual Business Revenues/sales Years in Business - General Industry, Etc.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The company name is Portfolio Recovery, I answered the call many times and spend hours explaining the problem I had with the original creditor. 
The accounts they purchased from my original creditors were reported as identity theft, and also a police report was provided multiple times. For years this company is calling me for this accounts. The accounts had fraudulent charges but the original creditors sold the accounts without farther investigation. They stated at the time that I did not send the information in time, but I have proof that I sent all the paperwork needed. All this information was explained to this collection company but they keep sending me the same information, ( this account was yours ). Yes the account was my but the charges were not. They just keep trying to get pay for a debts that were reported as Fraudulent. 
I did everything at the time, reported to the banks that holder my accounts, reported to the credit Bureaus and to the police, and I even put a credit alert on my Social Security. 
This company is filling me for years and years, every time I block the number they called from a different one. I have over 50 numbers already in my contact list that are blocked. I dont know what else I can do to stop this harassment.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Service Finance Holdings, LLC (FL)

When I received my XXXX billing statement from Service Finance Company LLC I contacted their call center and asked for the payoff amount of my account and was told it was XXXX. I paid the full amount of XXXX through my online XXXX XXXX XXXX XXXX Account. Being that it was such a large amount the payment didnt clear until XX/XX/2020. Then in XXXX I received two statements XXXX was dated XX/XX/2020 and the other was dated XX/XX/2020 with a due date of XX/XX/2020 and a due date of XX/XX/2020 which stated total past due XXXX, total current due XXXX. On the bottom portion of both statements it stated that nothing was due. Both the statements read Principal XXXX and Interest XXXX on the far-right Column it read as follows Principal XXXX and Ending balance current Principal of {$22.00}. So, to air in the side of caution I went online again and paid the {$22.00}. Then a few weeks ago I received a letter from Service Finance stating that my account was paid in full as of XX/XX/2020. Over this past weekend XX/XX/2020 I received a notice from XXXX XXXX that my account is 30 days past due and that I have an outstanding balance of {$20.00}. I contacted the company several times but they insisted that the account was past due by 51 days. I dont understand how this could have happened and I was told by one of their employees that I would be receiving a refund check in the mail for over payment of the account. How could I be late and have a outstanding balance if I am receiving a refund from the company. I told them that I am very disappointed on how this is being handled and not only that when most companies are helping people through hardship in a time with the Covid 19 pandemic Service Finance has destroyed my good credit. My credit sore went down XXXX points I asked politely for some kind of help in this manner with the credit bureau and I was pushed aside and was told that they could not help me in this matter. I sent them a certified letter with copies of all my statements and they still wouldn't help me.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery posted a lawsuit on the door to a shared home without any type of covering and without even knocking on the door. The lawsuit had all details visible for anyone to see. People began questioning me about this and it has cause undue stress and harm to my relationships and it violates FCRA laws and is harmful to me and my family.