davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (CA)

In XX/XX/XXXX, I contacted XXXX  to request an alarm system be installed in an income property that I own ( vacant rehab project intended for resale ). 
I specifically asked the company if they were XXXX and they told me that they were. I also went into great detail with the person I spoke with and explained that I had no intention of keeping the property. I only wanted the alarm to serve as a protection for me since the home was under rehab with the intent to resale it. I was assured that my request would be met and there would be no problem in cancelling my contract or transferring my contract. I proceeded with the installation and the contract. No copy was provided to me by the company, who I continued to believe was XXXX. I was told that the contract would be emailed to me. I was also set up on automatic each payments which began immediately under the name " XXXX ''. I had no reason to believe that this was not XXXX. After 3 months passed ( XX/XX/XXXX ), the home was complete and I had a buyer who was willing to assume the payment plan on the alarm system. I contacted the phone number to XXXX that was on my online account log in with XXXX. I was told that transferring was no problem at all and proceeded with the transfer. I was told by ADT that they could not give me anything in writing stating the transfer, but the way that I would know that it was success full is 3 things would occur : 1. The my monthly payment automatic drafts to my account would stop 2. I would no longer be able to log in under my account online 3. My account number would remain the same, but under the new buyer 's name if I were to call in to the customer service number. 
ALL OF THESE THINGS HAPPENED, as I was told. 
Unbenounced to me, yesterday, XX/XX/XXXX I received a phone call from an attorney/ collection agency stating that I was being reported for non payment by a company named XXXX XXXXXXXX XXXX XXXX. I was SHOCKED! I immediately began researching everything, only to realize my worst fear that I had been deceived. That the alarm contract was never with XXXX, it was with a 3rd party who represented themselves falsely to be XXXX and that even though I have successfully transferred my monitoring, this 3rd party was still holding me hostage for the remaining 19 months of my 24 month contract with XXXX. I researched the company " XXXX '' who I have never even heard of and found out that they scam people all the time under the guise of XXXX and I was even able to locate over 350 complaints on yelp of the same exact scam that I was now finding myself to be a part of. It is my hope to begin a Class Action Lawsuit, as so many people have been victimized by XXXX XXXXXXXX XXXX XXXX XXXX. I need help, please.
Consumer complaint received 2018-07-09
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. (PA)

Ive faxed and mailed several letters to Equifax, XXXX and XXXX stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On Sat. XX/XX/2022, I recieved {$300.00} from a friend on her Venmo account to my Venmo account. I then attempted to transfer that amount to my bank account and my account was frozen. I recieved an email saying that my account was frozen for suspicious activity and that I would recieve another email explaining why and what to do to solve it. It is now XX/XX/XXXX and I still have not recieved any further emails giving me an explination or instructions to resolve this matter. I have called venmo twice on XXXX XXXX as well as using their chat and sending an email. I was told on Saturday XXXX XXXX that a specialist needs to review the case and they only work Monday-Friday and they are the only people who have access to any of the information. I was also informed that they can not be reached by phone and I could not have their direct email. I was told I would recieve an email in between 7 to 21 business days with more information. I asked if the transfer could just be canceled and returned to the sender and I was told that was not possible. I then requested that my account be closed and they said that also was not possible until this matter has been resolved. I again called on XXXX XXXX 2022 and was told that my case had already been escalated and it would take 7-14 buiness days for a specialist to get to my case. I again asked for an explination and was told they had no access to that information and their was nothing they could do and I just had to wait. I requested for my case to be escalated again. 
This is just ridiculous. I believe this is delibertly done so companies and banks can hold on to customers money longer to earn the interest. Interest on a mere {$300.00} for 3 weeks is nothing but if done to just a small fraction of their total transactions for the weekend I'm sure it total amount of " frozen '' accounts is in the millions and thats a whole lot of interest earned in 3 weeks. And there is no reasonable excuse for a company to hold someones money for 7-21 business days without telling them why or instructions on how to resolve the issue.
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (AR)

l received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$18000.00} XXXX   XXXX {$280.00}
Consumer complaint received 2020-07-22
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. (FL)

I have written to Equifax several times pointing that their reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

I am notifying Self Finance that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.
Consumer complaint received 2022-10-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

Debt was paid due to my XXXX XXXX XXXX to my SSN I AM A BENEFICIARY TO MY TRUST AND WELLS FARGO HAVE COMMITTED FRAUD FOR ACCEPTING PAYMENTS FOR SOMETHING THAT WAS ALREADY PAID FOR.
Consumer complaint received 2021-03-04
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. (AL)

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2020-07-22
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. (FL)

THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY CREDIT FILE.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Century Credit & Collections, LLC (CA)

MONTH TO MONTH BASIS ON A MEMBERSHIP ACCOUNT FOR A HEALT CLUB, NO CONTRACT, PAY AS YOU GO. 

THE HEALTH CLUB FILE A DISCLOSED AMOUNT TO A CREDITOR TO COME AFTER ME. 

I NO LONGER ATTEND THIS HEALTH CLUB, STOPPED ATTENDING, AND MAYBE TTHREE OR FOUR YEARS LATER IM BEING PERSUID FOR SOMETHING THAT HAS NO CONCRETE FOUNDATION. 

IVE ASK THE CREDITOR FOR A COPY OF MY CONTRACT, AND I WOULD GLADLY PAY THE AMOUNT THAT IS OWED, BUT GUESS WHAT THEIR IS NO CONTRACT. 

THE CREDITOR WANTS ME TO PROVIDE PROOF THAT I DONT OWE, HOW CAN I PRIOF IF ITS A MONTH TO MONTH BASIS WITH NO CONTRACT. 

PLEASE HELP ...
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

Sometime between XXXX we switched from XXXX to XXXX under a promotion that XXXX would pay off our phones. They did that and XXXX provided boxes to return the phones, which we did. We spent roughly 2 weeks on XXXX and returned to XXXX at which time they got everything turned back on and issued us new, upgraded phones. We have since fought XXXX on numerous occasions about this debt. I have been told by no less than 8 XXXX customer service representatives that I do not show as owing any amount to them. In XX/XX/XXXX I closed my account and ended all dealings with XXXX. Just now on XX/XX/XXXXXXXX XXXX XXXXs later I receive something about a debt? Why would I owe a debt they didn't care to try to collect for over 2 years? Also why did they let me close my account and walk away if I owed a debt? As I said I have fought, and won this claim that I owe XXXX money, but I do not and I will make XXXX sure they never get another dime from me and as many people as I can tell not to go there!.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (GA)

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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: AMERICAN EXPRESS COMPANY (GA)

I booked a hotel for a conference in XXXX Washington on XX/XX/XXXX for {$690.00} via American Express travel website. The hotel is over XXXX XXXX miles from my home. My reservation was for XXXX. I did not arrive at the hotel until Friday, XX/XX/XXXX. When I arrived at the hotel I witnessed that the hotel was not in any way the same shape that it was represented on the website. The hotel was in a very bad side of town, it There were roaches at check in, I brought this to the attention of the young lady that was at the front desk. I got my room key to head to my room. I took the elevator to my room and there were roaches in the elevator, as i went to my room there was a male and a female in the hall right by my room yelling, cursing and fighting. The hallway smelled like extreme XXXX. I entered my room and the room had stains in the carpet and on the sofa. The male and female were still in the hallways yelling and fighting. I immediately called American Express and told them that I booked this hotel based on their website. I did not feel safe for my life and the hotel was not clean or sanitized. I explained that I was leaving and I needed to find somewhere else to stay. I left immediately and found a different hotel. I stood outside and I explained to the representative that I was misled based on the pictures on the website. There is no way that I could have known that this was not a safe area being as though I lived over XXXX miles away. I explained that I was disputing this charge and I needed this to be escalated to receive a full refund. I was told I would get an email and American express would contact the hotel for a refund. Since I have spoken to 3 managers and received two emails from American Express, they were working on it and I still have not been refunded. I provided my flight and XXXX  information as proof that I did not stay at this hotel and I should be refunded. Access trip id : XXXX and reference # XXXX. My final call was on XX/XX/22, I spoke to a manager XXXX. She told me to send my flight and XXXX documents and she would have escalated to receive a full refund. I haven't heard anything since.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 I owed {$350000.00} on my mortgage. I paid the loan off during the month of XXXX through my online portal. My interest was XXXX monthly and it took {$370000.00} to pay off the loan. By my calculations I overpaid Bank of America {$18000.00}. I have made 5 phone calls and spent almost 10 hours on the phone trying to resolve this with them and I feel I am getting ignored. Today alone I have been disconnected 3 times and no one would call me back. They sent me the escrow account balance one day with no closing statements of any kind. That was {$6900.00}. I had no prepayment penalties. Any help in making them be more proactive with this situation would be greatly appreciated. How many other people has this happened to that don't know to be proactive?
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service (FL)

Good Afternoon, I called the company that have my account because this is the second or 3rd time they are taking my IRS returned. I though this account was closed and paid in total however I was told today the I still owned them XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX. {$1600.00}. XXXX which they took my $ XXXX refund to get paid. Again. This account was sold out by Army & Air Force Exchange Service in XXXX to them for collection although I didn't get any paperwork of the outstanding debt them or now I, according to XXXX XXXX the CP operations said that I still have an outstanding balance. This is not the XXXX time that they take my refund and keep my account open to collect the interest at 18.45 % therefore if they don't closed my account I will never get this over and I will continue owning money to this company!! I will need your help to find a solution to this. I will need your help to get any paperwork from the outstanding total and why this account still open when it was promised to be closed out last yearXXXX XXXX I was working under military orders in XXXX and XXXX therefore my husband tried to fix this issued they told him that was everything paid and now they are taking my refund and I still have an outstanding balance. 
PLEASE HELP ME WITH THIS ISSUE!! 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-05-23
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. (AZ)

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX inaccurate reporting an item on my credit, Experian XXXX XXXX and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and Experian, XXXX  and XXXX  correct and remove this inaccurate info from my credit report.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MO)

I found a credit report entry concerning a debt owed that I did not know about. I did not receive payment due notices in the mail or I would have paid any amounts owed. 
When I called Southwest Credit Systems ( using their telephone number on the credit report ) they told me it was their policy not to remove entries that have been paid in full. 
Today, I provided Southwest Credit Systems my address so they can send me information to validate the debt since it appears any debt notice of payments due were mailed to the address of the motorcycle club I used to be a member of and not to my residence.
Consumer complaint received 2018-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NV)

Did not receive notice to dispute debt for {$280.00}. I do not know the date. The company forwarded debt to collection agency and agency did not contact me prior to placing it on my credit nor giving me opportunity to dispute or work out a payment plan.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase responded with ridiculous reasoning -- Chase only deals with my former attorney XXXX XXXX, a rogue lawyer and my complaint as urged by California Bar Association is being filed. Chase is doing everything to steer me away while the bank illegally keeps the fund of around XXXX plus years of interest. Will call CFPB to discuss.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019, I made a purchase of {$250.00} at XXXX XXXX in response to {$50.00} cash back advertised by American Express. But I have not received the cash back yet after dozens of contact with the company.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (SC)

We keep getting voicemails from Bull City Financial for debt collections however we have no debt and have perfect credit. They leave robomessages and it is hard to get in touch with a person. I have looked into this company online and it is a scam. They either are calling the wrong number, or they try to collect mo that was already paid in full. They put stuff for other people on individuals credit reports. This company needs to be shut down or heavily regulated. This is not okay by any means for this to go on. Please do research and XXXX this company down.
Consumer complaint received 2017-08-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BlueChip Financial (MI)

On XX/XX/XXXX, I requested a validation letter regarding the alleged debt. I have not received the letter. They continue to send me a payment plan. 
On XX/XX/XXXX, I contacted the original copy of the alleged debt and they informed me that the debt was sold to a different company than the one I continue to receive calls from. 
On XX/XX/XXXX, I sent letter via email to the company requesting a validation letter showing that they now owned the alleged debt or was a representative of the company that owns the debt. They continue to refuse and argue that they are going to garnish my wages or take me to civil court.