davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently missed a payment with Capital One in XXXX and XXXX 2016. I began receiving harassing calls at my place of employment regarding the missed payments. I agreed to setup a payment with Capital One and discovered my account was restricted due to alleged fraudulent activity on my account. I spoke with several agents that were unable assist in helping to explain this issue. I spoke with a supervisor XXXX XXXX on XXXX XXXX, 2016 regarding the fraudulent issue surrounding my account and was advised to provide documentation regarding a suspicious address change XXXX XXXX, 2016. 
I have n't reported any suspicious activity on my account I just missed XXXX payments on my account. I have n't requested to change my address on my account. I have n't had any issues until now that I have missed XXXX payments but, my account has had perfect payment history including an increase of my limit on my account prior to XXXX 2016 before I missed those payments in XXXX and XXXX. Why is my account restricted? Why is it that your supervisor that is paid to provide answers and represent your company in a professional manner ... .CANT! I 've always made my payments online via my checking account info which verifies who I am ... or over the phone. I do n't understand. My contact phone number may be outdated on file because my number has changed but, my address remains the same. I can provide a recent statement delivered to my current address. 
I have verified my info with several agents, my account was verified at my initial setup when I was approved for my account over a year ago, I receive statements at my current address and calls at my place of employment so, why is my account restricted?? but, XXXX refused to provide a Customer Relations Mgr 's contact information or provide an opportunity for me to address my concerns in writing ; he also refused to provide any information detailing this alleged fraudulent activity. I 'm disgusted that as your customer I 'm being treated like a criminal and being refused access to the account I am liable for and that is still currently being reported to my credit report on a monthly basis. I am uncomfortable with forwarding my SS card, ID and other personal information to Capital One when they ca n't ensure that my account or my information is SAFE or provide me with any explainations as to what is happening with my account besides that " my address was changed to a suspicious address '' without my consent but, I have to forward info ... .although I have n't reported any suspicious activity with my account ... ..why was my account singled out?? I need some answers.
Consumer complaint received 2024-03-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX, XXXX XXXX and XXXX XXXX at a smaller merchant at several different amounts. And the transaction is declined. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-03-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MD)

I have not opened up a XXXX account in XXXXXXXX XXXX XXXX. Its saying that I have a debt of {$91.00} for not paying when I never opened one with them now it is on my credit. I dont have XXXX  at all. After looking at who put it on my credit report I see that they are a scam company after looking the company up. Sequoia Asset Solutions.
Consumer complaint received 2021-11-02
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. (NY)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance {$8300.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXXBalance {$1300.00}
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (NC)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? un-authorized inquiries 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
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (PA)

XXXX XXXX was give a trial plan by SLS.. He made the XXXX payments. SLS then said he failed the modification because he did not return the correct modification paperwork. He said he never got them and could they resend them. SLS said they were sent to his XXXX XXXX . POst office had no record. SLS then emailed him the paperwork. But the paperwork they kept sending him in XXXX. XXXX and XXXX was not the modification documents but the letter stating he was approved for hamp tier 1 with the NPV values. He signed it and returned it.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC (NY)

I Recently an ETRade Max checking account via paper application, They made an error on my last name upon opening account, after various calls to CS and submitting requested documents, I hadn't received any updates on Correction, Yesterday XX/XX/2024 I decided to transfer my deposit back to my linked account and was going to close account as I felt they weren't capable of resolving minor issue. They froze my transfer request and I was informed by secure message when I logged in to inquire. I was in a chat waiting for over an hour, stopped informing me of updated time frame, I called CS Number while still waiting for live chat, spoke with CS was transferred to another department, was informed I had to upload Drivers lic, Cust verification form and to call back and it would be resolved. I did that and called this morning and was redirected to Activation services XX/XX/2024 who informed me I had to upload copies of current Bank statements from the Institution I originally funded account with. The check I sent was deposited and cleared, I successfully linked a savings account. So I at this point I Had to submit a W9 form, Name change form, ( the error was 100 % on their end from the start on entering data from the application ) Drivers License, Customer verification form and now Bank statements from linked account all so I can have my deposit refunded and close account.I honestly think they are trying to discourage me from closing account by placing these hurdles. They should have been able to resolve a simple error on their part by correcting the spelling of a last name, Instead I have spent over 4 hours on the phone and in a live chat that was never going to be answered, They could have just said we'll credit your account that your deposit was from, we'll send you a check etc, quite simple, Instead they inform me they're very sorry but I should still consider banking and investing with them, What I've explained is mild to what I actually experienced so far and it is not resolved.
Consumer complaint received 2024-03-01
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

There aremultiple fraudulent transactionsin mh apple account made by an app through my apple account for XXXX  of dollars. I disputed all transactions and some they already refunded me for but there are still thatlingers and apple cards proof is a receipt using my apple a count of course there are receipts from my apple account because that is what I am trying to dispute so Done used my apple account that is linked to my apple card to make purchases from an app that I never authorized. Please help me. Everytime I dispute thesetansactions it seems like thedisputedecision is automated after certain time have passed.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

I am an active affirm user and have requested loans and paid many of them in full without a problem, I recently applied for a loan through XXXX and was given the option to identify myself, which I did, this is not new. After proceeding with application I was given the option of how to repay the loan and I chose an option that required a downpayment for which I use my debit card to pay, {$900.00}. I watch while the debit of {$900.00} was deducted from my account, but when I noticed that I did not get an email from the company ( affirm ) regarding my loan I called them and was told they were having systems issues. In the meantime {$900.00} was be held in suspense. Later I received an email that my loan was decline and I did not receive the {$900.00} back into my account. I call affirm once more and was told the same by a supervisor, to call back they were having system issues. I call my bank where the money was deducted and was told to call affirm back. I later spoke to a supervisor from affirm and he struggled to explain why the money was not back into the account. I have affirm numerous times at help @ affirm.com and no one has responded.
Consumer complaint received 2024-03-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

applied for student housing, was tentatively approved, then i was told in order to official be approved i needed a co-signer, which i was able to provided. So my application was not approved.I contact the leasing office and was told they did things the incorrect was in the past. I have the email explaining denial for no co-signer.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (TX)

Cedar business services Original creditor XXXX XXXX XXXX Date open XX/XX/year> Balance XXXX. 
I have contacted the company informed them that the best wasnt mine and I also submit my FTC Report # XXXX Account # XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates has been involved in several lawsuits and legal actions12345. The Consumer Financial Protection Bureau ( CFPB ) filed a complaint and proposed judgment against Portfolio Recovery Associates , LLC on XX/XX/XXXX, which would require PRA to pay {$12.00} XXXX to allegedly harmed consumers and {$12.00} XXXX to the CFPB as a civil penalty1. A class action lawsuit had accused Portfolio Recovery Associates of violating the FLSA in several ways2. The CFPB also filed a proposed court order against the company on the grounds of alleged illegal practices3. Portfolio Recovery Associates violated the XXXX order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations4. The Bureau found that Portfolio Recovery Associates bought debts that were potentially inaccurate, lacking documentation, or unenforceable5. 



Dear Portfolio Recovery Associates, I am writing to dispute certain information contained in my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and fairness of the information within my credit report. 

The contested information pertains to : Creditor Name : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX : Entire amount Reason for Dispute : I dispute the entire debt. As per the Fair Debt Collection Practices Act ( FDCPA ), I request validation of the debt, including the presentation of the original contract bearing my wet signature, which demonstrates my obligation to the purported debt. 
Current Debt Holder : Account number XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer While I acknowledge that the original creditor, XXXX XXXX XXXX  XXXX XXXX, charged off the account due to delinquency or other reasons, it is essential that I receive validation of the debt in question, including evidence of my original agreement with XXXX  XXXX, as mandated by the FDCPA. 

I request a thorough investigation into this matter and the provision of documentation validating the debt, including, but not limited to, the original contract bearing my signature. Furthermore, I demand the prompt removal of all inaccurately reported information related to this debt from all credit reporting agencies, as mandated by the FCRA and FDCPA. 

Please provide a response within the timeframe mandated by the FCRA, detailing any actions taken to rectify this dispute. Failure to comply with federal regulations may necessitate further action, including arbitration. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC (MO)

On XX/XX/XXXX I contacted this firm to dispute an amount they are trying to collect from me that I do not owe. 

The woman in the phone kept asking for payment for debt my spouse incurred before marriage, thus I am not liable for paying. 

She refused to verify or validate the debt, saying I can only dispute it. 

She kept trying to collect debt that I do not owe.
Consumer complaint received 2021-01-21
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. (CA)

XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Phone Number ] XX/XX/XXXX Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute certain information contained in my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and fairness of the information within my credit report. 

The disputed information is as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Original Debt : Entire amount Reason for Dispute : I dispute the entire debt. As per the Fair Debt Collection Practices Act ( FDCPA ), I request validation of the debt including the presentation of the original contract bearing my wet signature, which demonstrates my obligation to the purported debt.

Current Debt Holder : Midland Credit Management , Inc. ( Debt Buyer ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer I acknowledge that the original creditor, XXXX XXXX XXXX XXXX XXXX, charged off the account due to delinquency or other reasons. However, it is imperative that I receive validation of the debt in question, including evidence of my original agreement with XXXX XXXX, as required by the FDCPA. 

I hereby request that you investigate this matter and provide me with documentation validating the debt, including but not limited to the original contract with my signature. Additionally, I request that all inaccurate reporting pertaining to this debt be promptly removed from all credit reporting agencies in accordance with the FCRA and FDCPA.

Please provide a response within the timeframe mandated by the FCRA, and inform me of any actions taken to rectify this dispute. Failure to comply with federal regulations may result in further action being taken, including arbitration.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (KS)

WESTLAKE financial is refusing to send title information to the DMV so I can register the car that I purchased. The company calls me repeated throughout the day roughly 5-6 times per day. I have had the vehicle for roughly a year and they have never sent any documentation to the DMV even thought the DMV has repeated requested the documents. After a year I have finally given up and have tried to self surrender the vehicle so I can try and put this behind me but they have never picked the vehicle up. I continue to get calls all day and night and the staff are extremely rude and use abusive obscene language.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX, I opened a checking with TD Bank, in response to a card I received in the mail inviting me to receive a {$400.00} promotional bonus for opening an account before XX/XX/XXXX, & receiving in the new checking account direct deposits totalling {$2500.00} within 60 days of account opening. I satisfied the direct deposit requirement on XX/XX/XXXX. To date ( XX/XX/XXXX ), despite approximately six telephone calls to customer service & to the local TD branch, as well as sending multiple emails, I have not received the promised promotional bonus. Four times I have emailed pictures of the card I received in the mail, which stated that it could be up to 180 days before the promotional bonus might be awarded ; that timing ( unreasonable to start with when compared to other banks ' promotional offers ) has now been exceeded by more than two weeks.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Flexible Finance, Inc. (AZ)

I have no knowledge of this account. I have asked the company numerous times to provide me with a validation of debt and have failed to do so on multiple occasions. I also have receipts of time stamped letters that went out to this company with no response.
Consumer complaint received 2020-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

PORTFOLIO RECOV ASSOC # XXXX stated they sent me a letter with the opportunity to dispute this debt. I did receive any information with the opportunity to dispute the, per FCRA. I request Portfolio Recovery to prove they sent letter which provided me the opportunity to dispute. 

Therefore, please send a copy of an " CERIFIED MAIL RECIEPT '' that has my signature stating I receive the mail and had full knowledge of such debt. Anyone type up paperwork, that does not mean anything.