davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

XX/XX/XXXX I received my stimulus check in the amount of {$1700.00}. Given I had a negative balance of {$250.00} in my golden 1 bank account already, I was expecting them to take out money owed when I received my stimulus check in which they did. Supposedly on XX/XX/XXXX they redeposited that {$250.00} back into my checking account because they wanted to help their customers get their full stimulus check. I never signed up for that action for them to redeposit {$250.00}. I knew I owed that, so I was expecting them to take that out. Now, I owe them {$250.00} again. I feel like that was a scam/fraud move, a potential gain for their business given this epidemic. I paid a debt already and they gave it back to me unknowingly and when I check my account I see I have a negative balance again of {$250.00} when I never opted in to receive my full stimulus check knowing I had a negative balance of {$250.00}
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I closed on the sale of my home on XX/XX/XXXX late in the afternoon. That was the XXXX XXXX holiday weekend so the wire transfer to SLS did not go out until Tuesday, XX/XX/XXXX. I had received a written payoff letter from SLS on XX/XX/XXXX with the payoff amount of {$210000.00}. The title company wired {$210000.00} which included an additional {$140.00} for the daily accrual of interest at {$28.00} times 5 days per the payoff letter. 

On XX/XX/XXXX ( 10 days after the closing ), the title company called me and XXXX/Specialized Loan Servicing ( SLS ) had contacted them with a new payoff letter dated XX/XX/XXXX which is now {$2100.00} higher! The house has closed and been paid off ( the new owners are in the house ) and now they're issuing another payoff letter with added fees that were not on the original payoff letter under the category " Outstanding Fees/Corp Advances. '' The original payoff letter dated XX/XX/XXXX had only {$34.00} for Outstanding Fees/Corp Advances. and now it's {$1400.00} plus they added late fees in the amount of {$340.00} that was not on the original payoff letter. This is unfair and how can they backtrack to add fees after the closing of the house took place on XX/XX/XXXX?! I'm hoping the CFPB will step in and put a stop to this bait and switch tactic which is what I've read about XXXX XXXX doing with their mortgage customers. In the meantime, they are rejecting the wire transfer and not paying the house off, I've moved on, new owners are in. What a disaster. I need help. Thank you. 

Also, back in early XX/XX/XXXX, hurricane Irma damaged my roof and I called and asked about the XXXX XXXX program which they had authorized their servicers to suspend payments up to 12 months and not report the late payments to the credit repositories. Here is the XXXX XXXX guidelines on that program which I should have been given but was never offered and SLS 's employees knew nothing about it. XXXX XXXX XXXX So I had to miss some payments to fix my roof then I had XXXX XXXXXXXX that took me out of work for 90 days. I had sent them the sales contract showing that I was selling the house in XX/XX/XXXX. They have never offered any type of assistance since XXXX sold this loan to them in XX/XX/XXXX.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Consumer complaint received 2021-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One Bank Usa XXXX Open Date XX/XX/2010 Balance {$2900.00} Capital One Bank Usa XXXX Open Date XX/XX/2010 Balance {$1800.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.
Consumer complaint received 2017-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX i transferred XXXX GBP to my coinbase euro wallet. The money left my XXXX XXXX account in XXXX and was not deposited in my euro wallet. 

I used the bank details provided by the mobile app at the time, which did not state that the deposit needs to come from an account that matches my verified name. 

I have since tried to make contact on many occasions. 

these include - email XX/XX/XXXX, XX/XX/XXXXr and XX/XX/XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX So 6 times in total, the phone lines are always too busy and service just hangs up
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM A VICTIM OF ID THEFT ; I AM WRITING TO DISPUTE THE FOLLOWING ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX {$11000.00} ) XXXX XXXX XX/XX/XXXX ( {$400.00} )
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX my grandmother and i financed a XXXX XXXX XXXX with XXXX XXXX for {$11000.00}. I paid {$3700.00} to XXXX XXXX before my car was repossessed in XXXX of XXXX. After repossession the car was sold at auction for {$7500.00} covering close to all of the {$8800.00} that was left on my loan. I then received a letter from XXXX XXXX stating they would like to settle for less than the rest of the balance that was owed. After paying the amount to settle i was told to wait XXXX business days in which the same thing still reflected on our credit scores. Between XXXX of XXXX and XX/XX/XXXX i was told on numerous occasions to wait XXXX business days and i should see a change. It was once taken off completely then placed back with a even higher amount. I have continued to reach out and they tell me someone will call me back and no one ever does. I have everything in written documentation from XXXX and the creditor they sold my account to.
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XX/XX/XXXX they applied my monthly installment loan payment towards principal instead of my regular monthly payment. They keep phoning my mobile phone, my wife 's mobile phone, and my place of employment asking me why my payment is late and when am I going to send it in. I have repeatedly explained that I am not late and they always research and say " yes you are correct '' and that I will not be called again. But the calls have continued for the past 4 months and it is annoying and embarassing.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Illinois Collection Service, Inc. (IL)

I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name ICS Collection Service Inc partial account number XXXX in the amount of {$1100.00} with an open date of XX/XX/2018 and the original creditor is XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.
Consumer complaint received 2018-03-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Today XX/XX/XXXX, I received a letter from Bank of America stating that " my loan is in forclosure process ''. They are threatening to forclosure on the property again. 

I sent a letter via certified mail to their Attorney on XX/XX/XXXX and have not received a response yet. 

I have sent another letter to XXXX XXXX handling the case on XX/XX/XXXX and still have not received a response.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

In 2011 I opened an account with TD so I could use the coin machine to convert our spare change into savings for my son. I deposited around {$60.00} in this account. a period of months I did not add fund to the account and I did n't receive paper statements until I was finally sent a letter from TD saying the account was in overdraft {$30.00} plus some other fees. It turned out they had been taking a {$15.00} fee out of the account over a period of months and I had no idea this was happening. They continued to charge the fees even when the account went into overdraft and I only found out when they sent me a letter. I tired to close the account as soon as I was made aware of it but could n't until I paid what they said I owed them. I spent several days on the phone both with their collections department, customer service and with people in the branch, at least trying to negotiate a way for me to close the account that was fair - e.g I even said I would ask them to refund the money they had taken from me if they just did n't make me pay a fee on top of what they took. All representatives I spoke to refused repeated that it was in the fine print, though I was never actually told this when I opened the account. It seems to me that it is something that customers should be warned about - not something to be in the fine print. None of the reps I spoke to would budge on this, despite how unreasonable it was and all were rude to me about it, despite it being clearly suspect practice on the banks behalf. I did n't want this to damage my credit score so I paid it and closed the account. In the end it turned out they took all of the money I had deposited in the account and I was charged late fees on top of that.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-03-31
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. (AZ)

On XX/XX/2022 i checked my credit report and came to find out that someone used my personal and financial information to open 8 different types of accounts. These accounts were open by the thief that stole my identity a long time ago. i noticed so many incorrect information that did not pertain to me and that i never used before. Like my name that was changed and addresses that i never lived at before. Also the accounts that were not ever opened by me. I immediately filed a Police report with the XXXX police department and contacted the FEDERAL TRADE COMMISSION to file a police report as well as an IDENTITY THEFT REPORT. I then submitted my complaint to the credit bureaus and nothing was done with supporting documents. I never received any type of mail regarding the outcome so i decided to file a complaint in regards to my identity theft. I never opened these accounts listed in my Identity theft report in or around the opened dates. i sent them notarized documents to support my request.
Consumer complaint received 2018-06-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX does not have a surety bond to collect in state of XXXX. They are calling and harassing me in regards to a Debt that is fraudulent and I do not have any knowledge of. I have filed complaints via email with the CEO XXXX XXXX of Experian. I submitted my fraud affidavit as well in the email, but I have yet to receive a response. I also filed complaints with the attorney 's general office of XXXX and XXXX. I have also filed complaints with the XXXX financial regulatory in regards to this matter. Experian and XXXX XXXX XXXX is in violation of the FDCPA laws and also section 605b. I have hired a consumer attorney and I have kept records of all of the my complaints that have been made.
Consumer complaint received 2021-02-08
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: BARCLAYS BANK DELAWARE (IL)

I have had a XXXX  balance and XXXX  use on my card for the last 3 weeks or so and I've been seeing a {$29.00} minimum due for the XXXX. of XXXX ( this month ) which I had no purchases or a balance. On the XX/XX/2021 I've made a purchase/transaction for {$26.00} and it appeared on the statement XX/XX/2021 the date which would of been a payment due date if I've had made the purchase during those 3 weeks, so I payed that {$26.00} and some change off on XX/XX/2021 and now today ( XXXX ) I see on my account that there is a note saying I need to pay Barclays more money or they will put my account in past due status. How is my account in past due status when I owe them nothing? My account is paid off and a XXXX  balance ( I took a screenshot if you need it ) I owe nothing and they want to report me, and possibly others. I think Barclays is running a scam with the credit bureaus to ruin peoples credit during these delicate times so people credit reports can be ruin, because I see no other way how since this pandemic that I've been contacting you and other agencies to report them of their unfair practices against me and I've never really had a major problem with them until this pandemic so I have no other way of thinking why I am target against their payment schemes. And now, every time I call them their phone line goes dead on me because they have my number stored so their system recognize my number and I'm guessing ( no other reason ) the system is blocking my calls from getting patched over to speak with anybody.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/21 i sent a letter to trans union, XXXX and XXXX about having the wrong names and addresses on my credit report. they still didn't remove anything. i sent in my driver license and proof of address.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

I filed a challenge to a fraudulent collections on my credit report with the three credit bureaus and only one took it off-XXXX XXXX. XXXX  and XXXX have not and will not explain why and has refused to send me their decision and why via mail. XXXX XXXX XXXX ( XXXX ), who has had a plethora of complaints for falsely accusing people of having a collections with them and destroying their credit, claims I had a contract with XXXX XXXX and owe them over {$2600.00}. This is not true. I had a prepaid account with them years after this supposed account was opened. Even if this was true it would have been a breach of contract because I know XXXX 's policies and nowhere does it say they can sell you information to a third party and that is exactly what XXXX is claiming happened. On top of this XXXX   allowed XXXX to change information on my credit report without my knowledge or consent. 

I have already complained about both of these things with this company and it was closed without my consent claiming I said I no longer had a dispute. I requested to have it reopened and I was told it was, but have not received any response nor can I find it. This is my second attempt at resolving this issue.