davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

Hi, I have a close Capital One Card starting with XXXX that was opened in XX/XX/XXXX. I had a 30-day late payment of only around {$150.00} but forgot to pay it by 2 days. I called and apologized and asked that it not be reported as a late payment. Capital One still reported it in XX/XX/XXXX. I have been trying to get this removed for the last 4 years with no success. I have 2 other cards with Capital One with limits of {$22000.00} that were opened in XX/XX/XXXX and another with a {$4500.00} limit opened in XX/XX/XXXX. Both have never been late. The late on the original was a fluke started using autopay after that incident but Capital One won't remove the late reporting. It's only XXXX which is the most check report by lenders, and has affected my getting proper credit. I have talked to numerous people and written the letters explaining everything and pretty much begging to take it off XXXX 's report, but they won't. Is there anything you can do to help?
Consumer complaint received 2023-01-30
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. (TN)

When I reviewed my credit report once more, I discovered that some of the information was erroneous. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$230.00}
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-06-30
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: JPMORGAN CHASE & CO. (AL)

I booked a stay through Chase XXXX for a single night at a hotel ( booked on XX/XX/2021 for a stay on XX/XX/2021 ). There were so many issues with our hotel room : no hot water ( until XXXX when we could finally shower ), the bathroom fan did not work, the bathroom door did not shut, the bed was uncomfortable and creaked non-stop, the lights in both the bedroom and sitting room flickered to the point of giving us headaches, and the bed was missing sheets! I have photos and video of these issues. After the terrible experience at the hotel, I asked Chase XXXX for a refund. Chase XXXX will not issue a refund until the hotel authorizes it, but the hotel is not responding to me or Chase XXXX for a month now. Chase will not dispute the charge against Chase XXXX ( I booked through them ), leaving me with a bill ( {$480.00} ) for a hotel stay that was not nearly worth what was paid. I've tried calling Chase XXXX several times and now the Chase dispute department but am unable to do anything to fix the situation. They only suggest to wait, meanwhile I have to pay the bill.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (MA)

This was resolved incorrectly on CFPB complaint # XXXX. They determined that my direct deposits came from another financial institution but this is a lie, my direct deposit posted on XX/XX/XXXX, {$1400.00} from my employer, not another institution, well within the 60 days as laid out in the terms. I am owed my {$200.00} sign up bonus. I will also be filing this new complaint with the Massachusetts Attorney General. 

To reiterate here is the original issue : I applied for a new checking account with Keybank on XX/XX/XXXX to pursue their {$200.00} new account sign up bonus. I used the promo code XXXX which was the offer at the time. I called the branch in XXXX CT the following day XX/XX/XXXX at XXXX and the man I spoke to confirmed that the offer was attached to my account and that I was eligible. I then proceeded to fulfill the bonus requirements. I had more than {$500.00} in direct deposit post to the account within 60 days. I completed this on XX/XX/XXXX ( 45 days ) had well over {$500.00} in direct deposit. I called XXXX on XX/XX/XXXX to ask about the bonus not posting and they claimed that there was no promo attached to my account and that the code I used was never a real code. This is untrue I got it from their website and it was in the fine print and everything. It has now been more than the 60 days from meeting the requirements when I was supposed to get the bonus and I have gotten nothing and been told I am out of luck. I was told I was eligible and enrolled in the promo when I opened the account but was lied to. The following was the URL I used to signup : https : XXXX? XXXX & XXXX I attached a screenshot of the signup details as I saw on the website.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc. (FL)

I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX XXXX XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

I have constatnly contacted this agency about producing me with a copy of the original signed contract which is required to be produced to a consumer under the new UCC Laws. This company has yet to produce a original contract showing that I am liable for this account or that I signed and opened this accoutn in my name. Even after Credit One sent a letter sayign they are no longer tryign to collect on the debt this agressive unethical agency still persists to persue a debt they have not rightfully or lawfully validated. My next step is court. I have already retained counsel.
Consumer complaint received 2021-06-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (CA)

Chrysler/Cap Account Number : I reviewed my credit and noticed discrepancies in the information reported! This company is reporting information that is not consistent nor verified! I have requested validation on 2 separate occasions with no response! I am requesting written verification of the amount reported! How validated or verified this information? We hat information is present that I was ever attached to or made aware of This bent?
Consumer complaint received 2019-11-06
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT. PLEASE INVESTIGATE AND HAVE THOSE REMOVED IMMEDIATELY. I AM DISTRESSED BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

On XXXX/XXXX/XXXX, Experian denied me the ability request my free annual credit report through the use of XXXX. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity of receiving a copy of my credit report, in regards to the massive breach of XXXX.
Consumer complaint received 2020-05-26
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: Santander Consumer USA Holdings Inc. (ND)

Gateway One Lending is reporting an erroneous account on my credit reports that has been challenged to XXXX  and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

GATEWAY ONE LENDING & XXXX
Consumer complaint received 2020-05-26
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. (ND)

XXXX XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to XXXX  and Experian. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX XXXX XXXX & XXXX
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (TX)

I have to collection account thru Professional Collections Services located in XXXX, co. I contacted the medical providers and paid the debits and they never released the collection status. I have subsequently paid the same debts twice both documented on my HSA account and they will not remove the collection status from my credit report nor refund the over payments.
Consumer complaint received 2022-04-06
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'm filing a complaint on Equifax, XXXX and XXXX XXXX. I sent Equifax, XXXX and XXXX XXXX a XXXX letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have XXXX days to complete an investigation and XXXX days to let me know what information they have found during there investigation. It has been over XXXX days and I have not receive a response from Equifax, XXXX or XXXX XXXX. I've sent them a XXXX day to comply letter and I have not receive a response for that letter either. Below I have attached a copy of the XXXX letter and the XXXX day to comply letter.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XX/XX/2020, it was a lease which was returned. Upon calling XXXX they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved. 
This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances. 
Can you guys get at least one thing correct? 
The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (FL)

On XX/XX/XXXX, I began my lease with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX for one year ( ending on XX/XX/XXXX ). I lived with three other individuals, each of us on separate leases. After living in the property for one year, I was assessed charges in the amount of {$2400.00} for damages that XXXX stated we were responsible for. I received the first correspondence from XXXX regarding these charges once I moved into my new residence the following year. I immediately contacted them to let them to dispute the total that they were placing on me was incorrect, but to no avail. The office staff stated that they would contact me in the coming weeks with a solution, but I never received any communications back. 

In late XXXX, I received notice that the amount I owed was being transferred to NCC Business Services Incorporated, a  third party debt collection agency based in XXXX, Florida. In late XXXX, I formally disputed the debt with NCC. After waiting for months for a response, I contact NCC to speak with them regarding the unjust debt. They stated that they sent me a response to my debt dispute. I stated that I never received this correspondence and requested them to reissue it but they declined to send me this document again. 

During the time of my dispute with the debt collection agency, XXXX transferred ownership of the property to a bank. This property was being managed by another company. I spoke with the owner of XXXX in-person in mid XXXX, informing him that this credit dispute was a hinderance to my ability to seek housing. He informed me of this shift in ownership and ensured me that he would speak with the new owners to assist me in this effort. He also spoke with the local property management company I was attempting to rent from ( no relation to situation ) to help me in obtain a rental I was seeking to reside in. Despite this, he never reached out to the debt collection agency nor the new owner of XXXX XXXX XXXX to rectify this issue. After waiting for a few more months, I called the new property managers to explain to them my situation. They stated that they had nothing to do with the issue since they never formally went into a contract with me. They also stated that they would not be able to give me the direct contact information for the owners of the property. 

In XXXX XXXX, I contacted XXXX to let them know about my conversation with the new property managers. They offered no assistance. Late in XX/XX/XXXX, I retained an attorney to assist me with solving the issue. She advised for me to file complaints with various governmental agencies. My hope is to not only resolve this issue, but to aid other college-aged individuals who may fall victim to the predatory practices of business like XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had my Walmart Credit Card since 2016, good standing and great payment history. Walmart was recently bought out by Capital One. Within a month of changing over accounts, capital one completely closed my account with no notification and I still have a balance. I contact them to see what was the problem and they stated because of a previous account I had with them which was only late or return payments when I was laid off work. Although my history has been great these last 3 years they still closed my account. I'm very upset because I couldn't get the job I was going for due to my credit score decreasing because of this card. Capital one is very horrible with customer service, they do not care about their customers and charges extra interest on everything. They're still charging me interest on a closed account.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC (PA)

This company claiming to be MiraMed Revenue Group robocalls me from a spoofed number XXXX XXXX XXXX XXXX and left a voice mail saying to call XXXX XXXX XXXX XXXX regarding case # XXXX. The robocaller speaks so fast I had to play back the message multiple times to get the information. 

I called back the XXXX number and when they asked how they could help me, I said, " I don't know. You called me. '' The first person hung up on me. The second person claimed they were representing XXXX XXXX. I told her to send me anything in writing because all bills that I received from XXXX were paid. She refused and wanted personal information from me. I am in the midst of dealing with identity theft and do not want to give out information. I requested she send out the information she has to the address she got from XXXX, if they are truly who they say they are. The information I need is the date of service, diagnosis code, and the provider. She refused unless I confirmed my personal information ; which I don't want to give out to someone I don't know and don't do business with. 

This company should be above board and not spoof their telephone number. The caller ID should accurately say who is the company or person calling.
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

I am trying to get my PMI dropped off my mortgage. I have paid over 22 % of my principle off. I have requested a BPO appraisal. I sent Caliber Home Loans a check for {$100.00} to go the appraisal. They said they tried to contact me but I did not get a phone call. I did get a phone call on XX/XX/XXXX. The phone call said SPAM ALERT and no message was given. I also got a phone call from XXXX XXXX ( I believe XXXX XXXX bought the loan ) on XX/XX/XXXX. XXXX XXXX said they would do the appraisal. Then the appraisal was cancelled. XXXX XXXX told me to call Caliber. I called Caliber and they told me that XXXX XXXX should not have called me and that they would do the appraisal. They told me that the appraisal would be done by XX/XX/XXXX. I called today XX/XX/XXXX Caliber said they are refunding my {$100.00} check and I can reapply. This whole process has taken at least 3 months and now I have to start over. I need help.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2022 I wrote a check to XXXX XXXX {$34.00} and mailed it. The XXXX XXXX check was stolen from the mail. It was then altered or washed obliterating the date the payee and my account number. I do have a copy of the original and the altered check. I discovered this had taken place on XX/XX/2022 when I went to the ATM to check my balance. It had been emptied. I immediately drove to my bank in XXXX, OH. I spoke with a teller who showed me the withdraw. The check was washed and written to a ( XXXX XXXX ) on XXXX in the amount of {$5800.00}. I made a complaint to the XXXX XXXX and I also went to the XXXX, OH police Department and filed a Police Report. On XX/XX/2022 I received a letter from Huntington Bank XXXX XXXX XXXX XXXX XXXX # XXXX. Appartently the Affidavit that Huntington filled out was incorrect. I then filled out a new affadivit and a Statement of Fraud this was on XX/XX/2022. I made copies of the police report, the altered check, the original check receipt, Statement of Fraud and Affidavit. I still have this all of this information. It will be day 60 tomorrow XX/XX/2022. I have not been notified of any information pertinent to this matter. I have not been reimbursed. I am still awaiting for Huntington Bank. Huntington Bank allowed this fraudulent check to be cashed out. I forgot to add the altered check was deposited remotely and the name on the reverse side is not ( XXXX XXXX ). I can not read the first name but the last name is XXXX. I am a retired person and on a fixed income. All I want is my money returned to me. I made an attempt to attach all the documents regarding this matter but, alas they will not upload. Please advise.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Despite having credit freeze and fraud alert, Equifax placed XXXX hard inquires on my account. They refused to conduct an investigation or even provide details on who made the inquires. Here is what they placed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

On XX/XX/2018 I sent a letter to Amsher requesting VALIDATION of the debt that is appearing on my credit report. On today XX/XX/2018 I received a 4 page document from Amsher Compassionate collections that has a 2 page bill from XXXX in the amount of XXXX dated XX/XX/2018 attached along with a letter from them that is dated XX/XX/2018. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor were they able to provide any validation of the debt. 

below is the exact letter verbage sent to amsher. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

None of the above was provided the only thing that was sent was a bill which is not validation.