davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/XXXX, I submitted my original complaint against Ad Astra and their attempts to collect a debt that was included in bankruptcy. They responded back stating that they had contacted me several times, which included mailing " 12 '' letters and voice recordings of me saying that the debt was not included in the bankruptcy. Which they did not provide. They sent 4 letters, 2 for each account. On one letter dated  XX/XX/XXXX and one dated XX/XX/XXXX that notate my current address printed on it, which was not my address at either of those dates. They also stated that the bankruptcy was filed in XXXX of XXXX and discharged in XXXX of XXXX, which is incorrect. The paperwork they sent via certified mail did not bear a signature and several incorrect pieces of identifying information ; phone number, time at residence, and employment. 

Ad Astra also stated that they had properly validated this debt on previous occasions when I disputed it via the 3 national credit bureaus, which they never provided any documentation. What they have asked is that I provide them copies of the bankruptcy to verify my complaints. Which is the opposite of the company validating the debt to prove they are entitled to collect. They did not provide " documentation '' until I submitted my complaint with this agency. It makes me wonder when Ad Astra received this " documentation. '' Since submitting my complaint to this agency, I have found out that this debt has reached the State of Texas ' Statue of Limitations and it is not clear if Ad Astra is  eligible to collect in Texas since their surety bond company is no longer accepted as a surety bond company according to the Texas XXXX XXXX  XXXX XXXX   website.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Mortgage LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Today I received the attached letter from Caliber. They have requested an authorization in order to be able to speak to me regarding their refusal to follow Bankruptcy Law. I had to explain to them that the reason they do not have an authorization on file is because they DELETED ALL THE DOCUMENTS WE SUBMITTED FOR THE SHORT SALE. 

****THEY HAVE DELETED ALL THE DOCUMENTS WE HAVE SUBMITTED FOR THE SHORT SALE. 

This is a violation of federal AND state law. 

What else have they deleted and from how many client files??? What are they trying to hide??? 

Apparently Caliber feels they do not have to follow ANY type of laws whatsoever - not Bankruptcy Laws, not Federal Laws and not State Laws.
Consumer complaint received 2016-03-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance (SC)

I got a vehicle loan in XXXX from Security National Automotive Acceptance. I had been in contact with this company in XXXX to come pick the car up because it was not working. I was told through email " the car is not worth the pick up value. '' I got out the military and moved back to XXXX where I have been living and working. I was notified on XXXX XXXX that my wages from my job at XXXX would be garnished. I called the payroll department because I could n't understand why my wages were being garnished for a loan I had 10 yrs ago. I was informed by the payroll specialist that " the garnishment is illegal because you live in XXXX and under federal law XXXX residents are not subject to creditor wage garnishments. '' The payroll specialist also informed me that she had to " code it AS IF it were a student loan to force it through. '' I am asking for help with this matter because not only is this debt 10 years old but I no longer have the car and I also tried to give the car bad years ago.
Consumer complaint received 2022-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

We have reported 4 transactions to Capital One that occurred on our credit card from 2 XXXX XXXX accounts that are not ours. These transactions occurred on XX/XX/2022 and XX/XX/2022 in the amounts of {$400.00}, {$400.00}, {$200.00}, and {$220.00}. We've asked capital one to investigate these transactions as we did not initiate or approve these transactions. They refuse to investigate, they did do an initial investigation and within a day came back to us and said they could not find evidence of fraud. Not much of an investigation if it only took a day. I was able to find out from cash app that these transaction occurred between 2 parties. Both parties included my wife 's name 's ( both married and maiden name ) and both of her cell phone numbers. The only thing that is different is they are two accounts using 2 different emails that are not ours. What's odd is both of these accounts have our credit card linked to them and are only processing transactions between themselves. Based on the timing of these transactions happening in the middle of the night and the ip address 's associated with these transactions happening somewhere that is not our ip address for any of our devices. There is more evidence that proves this is fraud than evidence proving otherwise. Capital one refuses to engage or do anything. They closed our credit card account after 16 years of being a customer and state we refuse to investigate further because the way the account is used. This makes no sense to me, as that being the reason you won't investigate fraudulent transactions. These transactions having nothing to do with the reason you closed the account and if they do, then you closed an account because of fraudulent transactions. I've called on multiple occasions and they refuse to do anything. I should not be responsible for XXXX charges that we did not do. We've had fraudulent transactions on other cards and the other banks are working with us and making sure we get it taken care of. Capital one is the only bank refusing. If this is how they treat XXXX XXXX XXXX customer then I don't want to be a customer with them anyways, but still I should not be responsible for someone gaining our credit card information, creating accounts in cash app and processing transactions we did not authorize. Cash app is also impossible to work with. They have just not responded to anything, but capital one has been rude and unbelievably hard to work with.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My situation is with Capital One Bank, I open an account few years back and I added my daughter on this account, she turned XXXX and start working, so apparently I added the social security wrong and I sent them a W9 with the copy of my daughter ID to fix this problem. They freeze the account on XX/XX/XXXX and they still have her money freeze. She need her money to pay her insurance and gas. They said wait 5-10 days and then when I Called they still saying that they still working on it. 
Please help me with this situation. Thank you so much.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (NC)

So I have an open XXXX XXXX  account XXXX  on my XXXX XXXX XXXXXXXX I don't know why! I have not had services with them! my credit went down a lot! I already tried to talk to this company but they do not answer me! 
I have no knowledge of this debt
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (GA)

XXXX of TMX Finance LLC, TitleMax based out of XXXX, XXXX has failed and refused to perform fiduciary duty after given proper endorsements and instructions for account setoff. My XXXX XXXX XXXX has been wrongfully repossessed and is currently being set for auction at XXXX located XXXX XXXX XXXX XXXX. XXXX, SC XXXX on XX/XX/2023. Endorsement was sent to corporation via certified mail on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Claim number [ XXXX ] was filed with the FDIC on XX/XX/2023. Claim number [ XXXX ] was filed with the XXXX XXXX XX/XX/2023.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX I purchased a XXXX Woven Canopy Bed, Gray Wash, Queen, # XXXX, QTY : 1, {$840.00} + Shipping and processing {$140.00} + tax XXXX for a total of {$1000.00} ( order # XXXX ) at XXXX XXXX XXXX XXXX XXXX in XXXX, NC. The assistant manager helped me with the purchase and opened a new XXXX XXXX credit card since it was under a plan of no interest if paid in a year. A few days later, I registered online to start making payments. XXXX XXXX directed me to Comenity Bank. To my surprise, I had been charged on that same day, XX/XX/XXXX, something that I had not purchased for {$280.00}. When I called the bank, the customer service representative told me that the amount had been charged even before the sales lady at XXXX  XXXX had charged my bed and that it had been an online charge for XXXX XXXX XXXX. I went to the store to tell XXXX, the assistant manager, what had happened and she was very surprised. She emailed some executive from her store about my issue back in XXXX. Never heard anything from anybody. 
It has been over two months I have been disputing this fraud with Comenity Bank and just now, XXXX, XX/XX/XXXX, XXXX EST, the customer service rep from this bank said that the dispute department resolution was to keep the charge on something that I didn't purchase.
Consumer complaint received 2022-07-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (SC)

After reviewing my credit report I noticed multiple inaccuracies. Sunrise Credit Service and XXXX XXXX is listed on my credit report multiple times. I never received any documents verifying that I owe a debt to this company. I have no knowledge of this account.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

Hi This account from XXXX was originally with XXXX collection company reporting fraudulent, and it was removed from my credit report. Now i'm looking at my credit report, and it's now under different debt buyer with different name, and different open dates... it's illegally reporting. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2022-07-19
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. (MA)

I have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation resolved.
Consumer complaint received 2015-06-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (TX)

Debt is from XX/XX/XXXX and I never received anything at all from anyone about this debt. They just put it on my report XX/XX/XXXX. They also kept on telling me that the debt stays on my report for XXXX years from when they placed it which is false information. When I told them they could not do that, they told me they could and would. I do n't even know what this is for. The dates are incorrect. I only had XXXX visit to the hospital XX/XX/XXXX and bills should have been covered by insurance 100 percent and these I just became aware of now from viewing my report. They were also rude and starting commenting on my personal life which they have no right to do or know anything about.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (IL)

MY account was over drafted due to an unauthorized payment. I contacted the bank and the bank the overdraft fee of {$36.00}. However, the bank refused t reverse the OD overdraft daily fee on the the original {$36.00} overdraft fee, which makes no sense. 
The bank charged me heft fees of {$7.00} a day totaling to {$77.00} or so, I have a copy of my a printout of my statement that was printer by the Personal Banker of BMO showing the refund of the original {$36.00} OD fee.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (LA)

I closed my account with XXXX in XX/XX/XXXX and had a balance due of {$680.00}. I received a letter from dated XX/XX/XXXX which stated they would be sending it to collections. I made a settlement payment of {$300.00} on XX/XX/XXXX. 
I received no further communication from XXXX or anyone else. 

In XXXX I noticed a new collection account on my credit report for {$870.00} from Diversified Collections. When I tried to contact them, I was told it was a new debt, which I knew wasn't true. 

I was finally recently able to contact XXXX and told by them that they had charged off the debt XXXX XXXX. XXXX and sent it to collections XX/XX/XXXX.
Consumer complaint received 2015-10-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cadillac Accounts Receivable Management (MI)

I have paid off all medical bills. I am XXXX. Cadillac ACCNTS REC MGMT has chose to leave an open account on my experian credit report. This open account is bringing my credit report down Alll account by my former Attorney that were PAID IN FULL were left active. Former Attorney 's Name XXXX XXXX CADILLAC ACCNTS REC MGMT. Partial account number XXXX Address ID number XXXX XXXX ) XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA phone # XXXX XXXX XXXX partical account numbers # XXXX NEXT XXXX SAME COMPANY # XXXX ADDRESS ID # XXXX NEXT XXXX SAME COMPANY XXXX ADDRESS ID XXXX. The credit reports shows that I have a active balance with these credit reporting agency and I do not All balanced paid in full
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

I sent Western Union money order to XXXX XXXX. I received a letter from Western Union tha it was never picked up. And they would send the amount back to me. It has been several years and I have never received the above {$300.00} to me. 
Whats next?