davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collections Acquisition Company, Inc. (VA)

The creditor CYBR refuses to remove {$200.00} debt from credit reports after prematurely submitting me to collections. The attached documents show I was an active paying customer when my account was sent to collection in XX/XX/2019. The attach documents also show that I paid my six month contract in full at {$150.00} a month. The credit can be reached using the following contact information. I also attached where the debt was removed from my report and then reappeared. I have also put in complaints with both XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX Or Contact XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX card was stole from XXXX in car thief called in stolen but they still sold debt to asset acceptence and now there filling wrong amount law suits. the amount was less then XXXX in XXXX. The law suit if for XXXX
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Key 2 Recovery, Inc. (TN)

I attended The University ( XXXX XXXX University ) under Chapter XXXX. An assistance program for XXXX veterans until stricken with advanced congestive XXXX XXXX and hospitalized. Since the VA paid the university for my schooling i had to set up payments to repay some of the dispersed funds to the VA and did so over the course of 2 years. The university claimed that i owed them monies as well but my school was being paid for by the VA. Obviously an attempt to swindle further monies from a XXXX veteran. I have since been harassed by debt collection agency ( Key 2 recovery ) who has made negative reports to my credit and threatened further legal action against me.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland funding and XXXX XXXX I have dispute this information multiple times with Midland and XXXX, this account is in collections and I paid Midland funding and they said they will do a pay to delete, I have also sent the XXXX the same letter this account was paid in full, neither are trying to remove this account from my credit report or report it paid in full, I request a full investigation.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I placed a fraud alert on my trans union report on XX/XX/XXXX. Two weeks later I legally changed my name. On XX/XX/XXXX, I attempted to apply for a mortgage. However, they were unable to pull my report because of the fraud alert. I contacted three times and requested that they remove the fraud alert. They informed me that an alert has not been placed and they refused to provide any sort of assistance. Until this problem is resolved I am unable to obtain a mortgage. They have failed to resolve my issue.
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

On XX/XX/XXXX, I wrote a letter to Selene Finance in reference to my Property Taxes due XX/XX/XXXX have not been paid to XXXX XXXX XXXX. XXXX XXXX transferred my loan to Selene effective XX/XX/XXXX. I have reached out to Selene many times. Please find a copy of my letter with XXXX XXXX XXXX. Today, XX/XX/XXXX, received a reminder for my Property Taxes have not been paid. Please find copies of all documents. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I sent 2 certified letters to Caine and Weiner and still no response.The allege debt is for the amount of {$280.00}, Twice I have asked them to validate their claim and send supporting documents to me. They have failed to do so, time and time again. Its past the time for them to respond and yet they are continuing to report this bad debt on my credit report. This action is against the FCRA and I need it to stop asap.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-03
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. (MA)

I called chase XXXX to dispute a charge. The agent asked me to explain, and I shared that I had paid for a medical test from XXXX XXXX but they provided the wrong test to me. XXXX had promised to refund me and had not done so. The agent insisted on asking me for details about the ets and what it was for. I responded that i did not want to share private health information and he had no right to ask about that. He insisted he needed the details to process the dispute. The agent was based in XXXX and was ignorant about our laws protecting the privacy of health records. I asked for a call back from a manager and no one called.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose.

1728
Consumer complaint received 2021-05-07
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: AMERICAN EXPRESS COMPANY (GA)

The American Express reporting Charge-Off in my personal credit account. This was strictly for business. My business investment possessed fraudulently. 

Please see the factual detail : The American Express card was strictly used for my business in Hawaii. 

This is the business place, where I had invested my life savings and significant capital contribution. I was serving a niche market and had plan to grow. During the expansion process, I hired a licensed realtor, to sell my investment in 2017, so I can relocate my business in a different location and execute my expansion plan. During the sale process the realtor colluded with a group of people and fraudulently possessed all my investment, all inventory, everything next thing I had in my business premise. These group of people thrown me out of my work place and brought a sudden halt to my cash flow. This is when I became helpless and struggled to survive. The domino effect of this cruelty by the group of people caused a chain of negative impact in all areas of my life. I am still in the same situating, pushing and working hard to survive and hoping to get back in my business. This is when I will be back to do business with American Express and all remaining line of business I dealt with. 

This is a sincere request to please " do not impact my personal credit as this was strictly for business. As my business investment fraudulently possessed since 2017 '' Please remove this negative item of Charge-Off from my credit. 

Your consideration is required and requested.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have several issues I need to address with Bank of America and if I need to individualize my complaints I will do so. I will outline them as follows : In early XXXX Bank of America closed all of my associated accounts. 
This included a money market merrill lynch account, personal checking, business checking, personal credit cards, and business credits cards. 

I was not given a reason why my accounts were closed and the bank would not work wit me on an explanation or reinstate my accounts. 
My first request would be to reopen my accounts. 

My 2nd request would be receive the points I earned as a statement credit. I accrued XXXX~ points ( equivalent to {$440.00} ) when redeemed as a statement credit to the bank of america premium rewards personal card. I contact bank of america in XXXX and in XXXX to redeem these points, they told me this was not possible but they could mail me a check, I have not received a check for these points. The conversation I had with the bank of america representative who implicitly guaranteed I would be receiving a check for the amount of the points at XXXX cent per point ( {$440.00} ). A screenshot of my account with the points is included in this claim. 

My 3rd request is for the {$1000.00} offer I am due as part of opening the XXXX XXXX account, I met all requirements and confirmed with a XXXX XXXX chat agent on XXXX XX/XX/XXXX that I would receive the {$1000.00} bonus on XX/XX/XXXX, however my accounts were closed and the bonus never posted. I have attached a screenshot of that conversation.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Today I received a collection call from Carrington Mortgage. I have until the XXXX each month to post payment. Snail mail is slow, they charge a ridiculous fee for bank to bank transactions so I mail my payment. Today XX/XX/21 their collection goons called and I have 8 days left in the grace period. This is the worst mortgage company I've ever had to deal with.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (TX)

I SENT {$200.00} THROUGH XXXX TO A FAMILY MEMBER IN XXXX AND UPON XXXX RECEIVING THE MONEY BY DEBITING MY BANK CARD, WORLDREMIT CORP . LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX. COLORADO XXXX, U.S.A ; CLAIMED THAT THEY OPENED A DOLLAR ACCOUNT IN XXXX WHERE NAIRA IS THEIR LOCAL CURRENCY OF CHOICE FOR MY RECIPIENT. NEITHER MYSELF NOR THE RECIPIENT ASKED XXXX TO OPEN THIS DOLLAR ACCOUNT. THEY WERE TO DISBURSE THE MONEY DIRECTLY TO THE RECIEPIENT IN NAIRA OR DOLLARS AFTER CHARGING THEIR SERVICE FEES. 
NO ONE ASKED THEM TO OPEN ANY BANK ACCOUNTS. 
THIS TRANSACTION WAS DONE ON XXXX XXXX AND WAS TO BE COMPLETED WITHIN 24 HOURS WHICH WOULD HAVE BEEN XXXX XXXX. 
BUT UP TILL TODAY XXXX XXXX, THE RECIPIENT STILL HAS NOT RECEIVED THE MONEY.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMW Financial Services NA, LLC (OH)

Thank you for the opportunity to discuss my account with you. As you know my most recent credit report with [ XXXX, XXXX, XXXX  ], contains late payments reported on my XXXX XXXX. 

I have an excellent repayment record with your bank. I appreciate the credit you have granted to me and understand my obligations. I missed the payment ( s ) due to loss of income, medical emergency, move and since then, I have a new job and been on time for more than three years. As you can see, since then, Ive also had a spotless record of on-time payments. 
My credit is very important to me, and I would like to maintain a spotless record. I would like to ask that you remove that late payment history as a one-time courtesy. Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

i sold my XXXX to an existing employee .. we filled out the take over of the BOA visa cards .. They accepted his paperwork and mine also. BOA DID NOT TAKE ME OFF AS RESPONSIBLE PARTY they did take new borrow info. a XXXX XXXX hung up on me after 54 minutes on the phone. she explained there was an issue with New borrow not filling out paperwork correctly. I explained that was not my problem as they already accepted him as a borrower. they have not removed me as a responsible party ... .I have called in on numerous occasions with no response, i have sent paperwork on several occasions, i visited the branch today with the same lack of effort and response ... XXXX XXXX is a XXXX horrible customer service person.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

We paid $XXXX to lower our principal in order to pay the house off faster and also to get the Private Mortgage Insurance (PMI) of $XXXX per month cancelled.  I’ve been calling them trying to get them to do something for over a month now and they keep ignoring my requests.  I have paid my loan down to approximately 64% of it original value and they are trying to apply non specific charges of possibly $XXXX  to re-appraise the property.  I wouldn’t even have PMI if I owed this much on the original value of the property.
Consumer complaint received 2021-10-19
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: ENCORE CAPITAL GROUP INC. (FL)

Midland credit purchased an account I had with XXXX XXXX credit card. The account was fraudulent and not my account. The police were notified back in XXXX  and XXXX  XXXX sold my account to Midland Credit and now reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. They even went as far as filing a lawsuit without my knowledge and had a judgment on me. I was able to hire an attorney to have the judgment vacated, because the account was fraud, yet Midland credit still reports adverse information and is destroying my credit.
Consumer complaint received 2021-05-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I got a loan with Nertcredit last year for XXXX and from the time of me having the loan, I have only paid down to a couple of hundred dollars. The interest on this loan is extremely high. When I read about NetCredit Loans, apparently there has been a lawsuit against this Company because of charging people high-interest rates. I was unaware of the interest at the time. With the interest rate, I'll be paying back XXXX. I have been trying to contact them about this. I would love to settle this and stop paying on this high-interest rate loan.
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (PA)

I've sent 2 disputes to equifax about an account that is not mine.one in late XXXX and in XXXX. XXXX XXXX  account # XXXX. This not my account nor did i give permission or ask for this account to be placed on my report. I have no idea who account this is.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have never missed payments with XXXX  XXXX  XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI
Consumer complaint received 2020-10-26
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 {$1000.00}.

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/2020 and the subsequent response received on XX/XX/2020 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.

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

After making a purchase and picking up my prescription on XX/XX/XXXX from XXXX in XXXX MD I apparently lost or my credit card was stolen. Later that day I received an email from Chase Fraud Alert Services asking if a purchase in the amount of {$250.00} from XXXX XXXX XXXX XXXX was a charge I recognize. I responded on their button " Something is Wrong ''. I sent the email. The card was cancelled immediately and I called the Fraud Alert hotline from chase Card Services as instructed. Three other charges prior to this email were made fraudulently on my credit card on XX/XX/XXXX the same day. 
1. XXXX XXXX XXXX {$410.00} 2. XXXX {$420.00} 3. XXXX {$440.00} I received a letter on XX/XX/XXXX from Chase noting they are adding these back as I benefited from these transactions. I called as the letter noted and appealed that decision. On XX/XX/XXXX Chase noted my appeal and denied it again. I have prepared an Affidavit and notarized the document that these are not my charges. I am a XXXX individual empty nested and certainly did not buy {$860.00} in groceries or XXXX for whatever was purchased. This has never happened to me before where I lost my card and had charges.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX capital one put a late payment on my account knowing that I set up direct deposit, I quickly call my financial institution they told me that no payment was processed during that time. I called capital one they said it was a mistake from their end they will figure it out and call me back never heard from them. In XX/XX/XXXX They closed my account and charged it off, I called them the agent told he understands but theres nothing He can do, since then late payment is showing on my report