davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The original company that owned this debt was Capital One. 
I had a balance on the card and ran into financially issues and had to put the payments aside for a few months but the delinquency never populated onto my credit report. I thought that was odd. I had to call Capital One one day to see if I could work out a payment plan with them, They asked my information they said the information they had did not match what I was giving them. I told them the original card was placed in my name and my name only, Captial one said their was another name and address attached to this card. I told them if they can not tell me whom the other person was I would not take responsibility for the card. They told me they saw my name but another person was showing as the primary. I was not married and did not have children old enough. So I had no idea who the primary authorized user was that was placed on my card, and what they had charged on my card. After speaking with several people the management returned my call and informed me that they found me to be the original card holder and they were not sure how the other authorized user could have been added to my account without my permission. They said they would delete the other user. I specifically told them NOT TO DELETE the other user. I asked them to make notes on my account stating what had occurred they agreed to do so but would not discredit the balance. I told them that I refuse to pay for this debt years that Is not all of mine. My account was altered without my permission allowing another user to have access to my account and use my card. I discontinued payments on the card and fought the company several times telling them I refuse to be responsible for the entire debt they were telling me I now owed. After not seeing the credit card on my credit report for years the delinquency began to population there. Years passed and the SOL was in effect so I could no longer be sued, I thought all was done, until A company called me out of the blue stating they bought the debt. I explained the story to them and they agreed that they did not want to deal with it. It went back to Capital One, and XXXX XXXX bought the debt from Capital One .They call me all day long, send me letters. I have responded through credit reporting companies stating the debt is not mine. They respond back by sending my the credit card statements. They have not sent me any of the capital one notes that I asked by documented nor the recordings of the multiple phone calls that took place this is not expectable. They have told me I could not be sued but have issued a derogatory mark on my credit report. It is seriously effecting my credit and I would like to refinance my house. Other than hiring a lawyer I am not sure how else to handle this company and make them remove the derogatory mark.
Consumer complaint received 2020-11-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding LLC obtained a default judgment against me under false pretense. I tried to get it removed but a Judge, not understanding the law, ruled against me. I was absolutely never served, this is not my debt nor has it ever been proven that it is my debt. 
Midland Funding LLC has committed Identity theft in my name. And tax fraud. 
" Attached Documents " Note : I cant find an attorney to take this case.
Consumer complaint received 2021-02-05
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I have tried numerous tines to unlock my experian file - never able to. The phone tree just ends up saying snail mail to Texas. I need it done IMMEDIATELY - not three weeks later. There is NO WAY to get a human on the phone. Unacceptable!!!
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (WI)

Ok it was early morning XX/XX/2019 I had my American Express bluebird card ending in XXXX I stopped at XXXX at XXXX XXXX XXXX to reload my prepaid bluebird card by Amex I get to the cashier tell her I wanted to load {$200.00} and she tells me to swipe my card and it didnt go through she tried two more times and it failed again and she gave me my money and receipt back for other items I purchased and I got home and somehow it was a reversal from XXXX for {$250.00} I call American Express and XXXX Amex tells me that theyre system was down and to call back in 30 minutes and I called back and they said I had to start a Dispute and I did but they denied it and now my prepaid card was at a negative {$250.00} like how does that happen its prepaid it was obviously a mistake made and they didnt see it that way
Consumer complaint received 2019-08-15
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. (UT)

I submitted a complaint about erroneous collections on my reports causing my credit scores to go down. These erroneous entries were removed yet my score dropped 11 more points. All Of the changes on my report showed decrease in balances
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

The DOS was XXXX none of my hospital bills were NEVER SENT to my insurance XXXX XXXX XXXX XXXX the collection agency keep harassing me telling me to pay I try explaining that I never reciprocate the bills they were mailing to an old address the hospital also listed me as SELF PAY with all my insurance information on file I contacted the Hospital XXXX and they confirmed they never sent to XXXX!! XXXX contacted both hospital and agencies requesting them to put these account on hold on XXXX they have still been calling me and sending letters with new dates of open debts so they are still reporting as if this was updated debt whn two representatives spoke to me and the insurance company stating it was on hold the hospital billing department call me saying they pulled it from collection but the collection company called me after all these conversation with hospital and collectors still asking for payment I reach out to management team no reply
Consumer complaint received 2021-02-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$6800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (UT)

Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt is still reporting. This is a debt that I paid off a very long time ago. When I paid this I was told this would be removed from my credit, however it's been years and nothing has been done apparently. Enhanced Recovery needs to remove this debt from my credit file. It is very old and no longer owed!
Consumer complaint received 2020-06-04
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. (PA)

This complaint is related to XXXX XXXX XXXX. On XX/XX/2020, we contacted XXXX XXXX XXXX as received a notification that our lease had expired. Please note that XXXX XXXX XXXX automatically pulls our payments from our banking account. We had been in the process of working with a local dealership to transition to a newer vehicle just prior to the shutdown. The representative we spoke with offered an extension of the lease until XX/XX/2020 and we accepted. We then submitted the scheduled monthly payment by mail. We had assumed all other payments would be automatically pulled as we were not notified otherwise. After being unable to come to a lease agreement with XXXX and opting for a different vehicle, we turned in our truck. XXXX XXXX XXXX immediately reported our account as delinquent, a notice we received on XX/XX/2020. We contacted XXXX on XX/XX/2020 and were told that we " should have been asked to provide verbal notification to continue to pull our payments automatically. '' However, we were not asked to provide that acknowledgement or consent. Further, the representative from XXXX told us that because we have automatic payments and have always paid on time, we are " at the bottom of the list for notification. '' So, they acknowledged that they did not notify us when a payment should have been made. Had they notified us of the needed payment, we would have made it. Instead, they let two months lapse and only provided us notice of the late payment when we turned in the vehicle. Had we not turned in the vehicle, we may not have been provided notice for another 30 days. Our credit report has been impacted by their failure to notify us. While the rep communicated that the late fees would be waived, we do not believe this to be sufficient action. We would like XXXX to correct the information reported to the credit bureau and, if possible, to waive the payments that were not truly late. The fact that they acknowledged their system and notification process was broken, but continued to report our information to the credit bureau is unacceptable.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

Unauthorized XXXX money transfers from my checking account for total of {$1400.00} in 3 different transaction on XX/XX/2022 reported to my bank but rejected the claim and closed case.
Consumer complaint received 2017-12-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Family First Funding LLC (NJ)

During the title search there was an old judgement that surface. I presented the issue to the mortgage broker in an affidavit. He stated that he turned it into the under writers and attorneys for the mortgage company. Before closing I reached out to the mortgage broker and asked him for the status of my loan and the questionable debt. He told me they took care of it and it was too old to be factored into my income to debt ratio. Last week I received a noticed from my employer that a wage execution had been submitted and processed against. This now effects me ability to pay my mortgage and other household bills. 
Family First Funding XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX Loan # XXXX
Consumer complaint received 2021-05-03
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: CURO Intermediate Holdings (TX)

Payday loan from Speedy Cash showed up on my credit report. I never applied or received a payday loan. Called speedy cash and they said I had to do this or make a police report to dispute it. I also disputed on my credit report
Consumer complaint received 2019-08-15
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. (UT)

I submitted complaint about my credit report having erroneous collections on them. The collections were removed but my credit score was LOWERED 20 points. No negative entries only decreases in balances
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

For the statement ending XX/XX/2019, the balance transfer/check promotion row in the " Interest Charge Calculation '' showed the balance of $ xx and an APR of 0 %. 

In the section below about " AVOIDING INTEREST ON PURCHASES ( GRACE PERIOD ) '', it said the following : 1 ) If you have a 0 % promotional APR on all of your Purchase balances, you can avoid paying interest on those balances during the applicable promotional period. However, pay at least your Minimum Payment Due to avoid a late fee.

2 ) If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying $ xx ( this amount includes any Minimum Payment Due required to avoid a late fee ).

Then, the next month, I received an interest charge of $ yy, even though the previous statement said that the balance of $ xx had a 0 % APR rate. 

I tried to explain to this to Barclays on the phone, but they refused to acknowledge that their statement ending XX/XX/2019 incorrectly represented the APR on the balance. They also refused to take any responsibility because the prior statement ending XX/XX/2019 explained that interest would start accruing on XX/XX/2019, even though their XX/XX/XXXX statement said the opposite. 

Based on the XX/XX/2019 statement, there was no way of knowing I would be accruing interest in XX/XX/2019.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/21 I got alerts

from all 3 XXXX, XXXX, Equifax I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. This is LAST thing I need. This FALSE information as I am CURRENT and have not been late. No explanation other than an internal error. Insisted I get in writing they reported FALSE info.
Consumer complaint received 2019-08-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

Mortgage modification denied. VA representative was told the mortgage servicer stated I make too much money and is forcing me on a forbearance plan at almost double my normal mortgage payment. My normal mortgage payment is {$1800.00} and the forbearance plan offered is for {$3000.00} for 12 months. I make approximately {$4500.00} a month on average with my VA XXXX income included. Their underwriter obviously does not know how to calculate income. I have notified Senator XXXX and Congressman XXXX office of the violations as well. This has been going on for over 8 months now and they have been charging me unreasonable fees with people showing up to my front door asking me if I need their phone number. This is on top of them calling me virtually every day harassing me to make the {$3000.00} payment which I do not have.
Consumer complaint received 2017-12-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (AZ)

I was covered under the Arizona XXXX program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with XXXX. I checked my credit report today and noticed that I was sent to collections twice by Commonwealth Financial on XXXX/XXXX/17 for {$570.00} and for {$1200.00}.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a XXXX CARD. This application was submitted on XX/XX/2019. I did not submit or apply for a XXXX CARD at that time. Once I realized this was a fraudulent use of my social security information I notified XXXX on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called XXXX notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.
Consumer complaint received 2021-02-04
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. (VA)

XX/XX/21 I go

t alerts from all 3 Transunion, XXXX, XXXX  I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. This is LAST thing I need. This FALSE information as I am CURRENT and have not been late. No explanation other than an internal error. Insisted I get in writing they reported FALSE info.
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

I was contacted for 3rd occasion since XX/XX/XXXX regarding to the same matter last XX/XX/XXXX. Radius Global Solutions # : XXXX ( reference number ) and reference invoice number XXXX A XXXX XXXX XXXXXXXX or XXXX is using my account number for XXXX XXXX which is ... claiming I have a debt service for XXXX XXXX dated XX/XX/XXXX and trying to bill me for XXXX the date prior date XX/XX/XXXX and after 2 more times, last one dated XX/XX/XXXX I did clarify with Radius Gobal Solutions LLC and with XXXX XXXX XXXXXXXX or XXXX, by the time I have my XXXX XXXX, XX/XX/XXXX I have medical Insurance and the XXXX XXXX was ordered by my PCP as preventive. A new dispute is been initiated with XXXX and his debt collector company Radius Gobal Solutions LLC