davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Receivable Management Services LLC (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : RECEIVABLE MANAGEMENT SE Account number : XXXX
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEMS INC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$340.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I have just discovered that I have been scammed out of {$25000.00}. I can trace the origin of this scam ( fraud ) directly to an employee or employees of Chase Bank. I have excellent notes, phone numbers, communications and personal information about the person or persons involved. The fraud included the use of computer hacking and wire fraud, and took place during the dates of XX/XX/XXXX and XX/XX/2024. During that time I was in daily contact with a person who identified herself as a bank fraud expert, specializing in internal investigations. She was a DIRECT contact, to whom I was transferred by Chase employees when I called the customer service number listed on the back of my Chase Visa card. Because my computer had been hacked, I called to check on the security of my cc account and my bank account. 
I have been unable to obtain copies of my phone records. I will continue in this effort.
Consumer complaint received 2021-08-13
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT  # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ..XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX  XXXX XXXX ACCT  # XXXX ... XXXX ACCT  # XXXX ... XXXX XXXX  XXXX  # XXXX ... XXXX  XXXX  # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-06-01
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: NAVY FEDERAL CREDIT UNION (IL)

I am trying to get my vehicle perfect payments back on my credit profile I noticed that it mysteriously disapeard after yelling out of anger at a Navy Federal repXXXX All I am requesting is that they ad the account back to my credit file.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My capital one 360 checking account got restricted on XX/XX/2023 when I was trying to make withdrawals, I called Capital one bank and I was told my account has been frozen and therefore theyre going to conduct an internal review on the account before they could send me a check of my good funds since theyre going to close the account Ive been trying to get my check for the funds in the account for my bills but Capital one is not going to get me the check any time soon, and I think thats an irregular and irresponsible way to treat a customer because theyre keeping my money for over 6 months
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

XXXX XXXX XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2024-03-11
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: FIRST NATIONAL BANK OF OMAHA (CA)

I reviewed statements for my credit card and found many unauthorized transactions that I never gave anyone consent to make. The unauthorized transactions begin on XXXX. I never made nor authorized anyone to make any of these fraudulent transactions. I have filed an identity theft report and all this is being investigated by the FTC.
Consumer complaint received 2024-03-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

On XXXX XXXX XXXX XXXX tax office in Alabama called to inform me that my property tax was delinquent and my taxes haven't been paid. I am currently contacting Pennymac that is my loan holder.
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Westlake Services, LLC (CO)

In XXXX of XXXX I contacted a tax preparation service, XXXX XXXX XXXX XXXX, who told me that the fee for their services would be {$240.00} per month. I did not receive any services and canceled payments in XXXX of XXXX after paying {$1200.00} in XXXX months. I then received an email from Westlake Portfolio Management , Inc. requesting payment for a loan. I knew nothing about any loan, so I called them. Westlake referred me to an organization called XXXX XXXX. I called XXXX XXXX who told me that they have a copy of my drivers license and that I now need to call XXXX XXXX. XXXX XXXX referred me back to Westlake. I did not apply for any loan. I do not know the amount of this loan. I do not know the interest rate of this loan. I do not know the term of this loan. I did not sign for any loan. I have no paperwork referring to any loan. Therefore, any signature on this loan must be forgery. I reported this as fraud to my bank who will not pay the recurring attempts to withdraw {$240.00} from my account. A daily attempt continues to withdraw {$240.00} which is declined.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (FL)

It is almost another month passed by, this is still not resolved. 
We did receive a letter stating a {$7000.00} check is included but the check was not included. It is the letter only. We called the Fraud department again to ask them reissue the check, but they had no clue what was going- they stated that they would do some research and get back to us but 5 days passed by, and no one has got back to us. 

Our account that lost {$15000.00} is still in trouble and we could be charged interest because the account shows we own that amount. We opened another account and put a deposit on- it is our daily used primary account but the deposit takes 15 days to get money into the account which makes us no cards to use to have daily purchases. 

Our over withdrawal protection account is still locked with the account that has faud on so we can not have any withdrawal protection on our new account opened. 

Is citi bank this bad that could not solve the problem for 2 months?
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Paypal Holdings, Inc (CA)

I have contacted three credit bureaus XXXX XXXX XXXX I also called the company that worked in my credit report that I never gave any authority to run my credit or any information of mine I've also sent a letters in regards to getting it dispute and getting it removed from my credit report but I've not had any answers or any help with this it's a continuing thing that it's been on my credit report and I have complained over and over that I would like it removed because it's not me or I'm not giving anyone the authority to even run my credit in any type of formal way it's very difficult at this time to even apply for a loan because I'm not getting approved at whatsoever I've never had anything under my name I've never owned anything in my life and I'm trying to build that so one day I can get qualified for a loan so I can build my credit no one is helping me how am I supposed to get a credit card when I'm trying to build myself up and this is affecting my credit by all the inquiries on my credit report close accounts that don't belong to me and etc
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

My company, XXXX , Inc. has been using WePay, through XXXX, for payment processing since XX/XX/XXXX, the date of the first payment processed. On XX/XX/XXXX, we received an email notifying us that 2 payments ( in the amounts of {$31000.00} and {$3600.00} ) were being withheld, and our account was being closed due to high risk of chargebacks and disputes. We have never had any chargebacks or disputes on the account. We are in good standing with the clients who sent these payments, and they did intend to send them. 

The email notice we received stated that these funds would be held by WePay for 120 days. The only recourse they provided was the option to file an appeal, which we have initiated. 

After receiving this email and initiating an appeal, we researched the company online, and have found many instances of this same practice, often withholding these funds for months at a time. These complaints seem to only be resolved after being reported to some outside body.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I applied for the XXXX when the loan forgiveness was initiated. My loans have been consolidated and passed from company to company. In the process my loans have been put in deference sometimes against my request. I made payments during that time to keep interest low. I have resubmitted my employment verification several times and it was either denied or dismissed. Currently they are not crediting me the payments made prior to their service and the ones made in deference even though I have submitted paperwork. They are claiming it's out of compliance but won't help. They also claim that my work ended in XX/XX/2021 even though my work says I'm currently still employed. So none of my payments from XXXX on are counted.
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

Contacted Midland credit management and ask them to report that I'm making payments on the amount old. and they refuse to report that I'm making payments and said they do not have to report that I am making payments. 
M y account is no longer negative and IS revolving and should be showing a positive or a percentage paid and it is not doing so so. I'm demanding they either remove the entire amount off my credit or they show proof that I'm making payments and that my credit is in good standing. They are hurting my credit unfairly and unjustly!
Consumer complaint received 2020-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I 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 XXXXXXXX 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE AUTO FINANCE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). CAPITAL ONE AUTO FINANCE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-01-14
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. (PA)

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 Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX XXXX : {$640.00} Date Opened : XX/XX/2011 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$450.00}
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MA)

Chase Bank I tried to contact Chase Several times, and there appears to be no one working and it is impossible to reached anyone. The waiting times by the computer recording message state waits of eight minutes, however what happens is that after the time elapses the phone disconnects. 

Furthermore, Chase in doing so is also not honoring disputed transactions and in doing so is violating terms of service. 
I am demanding a refund on a disputed transaction, and there is no one available to service the dispute which has been reported on line and no temporary credit as stated is taking place.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. 
NELNET XXXX SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} Upon reviewing my updates, incorrect information was found in my reports. Above are the accounts that are reporting on my Credit Reports.Never late on this account How can it be 90 days late without first posting 30 days lates? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. I believe this information may be wrong. I need this removed immediately.
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation (IN)

I have XXXX old loans and have requested paid in full letters and they refuse to send and hung up on me 4 or 5 times already. Loan # XXXX and XXXX
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I pulled my credit profile and noticed an account that I didnt open with a balance of {$110.00}. i notified Bank of America of this situation. i advised them that my identity had been stolen on several other fraud accounts been made. I filed a report with XXXX XXXX Police department case number XXXX. I do not owe this debt. Ive done everything asked of me. Also XXXX number is XXXX. Please remove and delete off my credit profile. Bank of America is hurting my ability to obtain credit, Also has damaged my character
Consumer complaint received 2020-06-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

ERRORS OR UNTRUTHFUL TRUTH IN LENDING DECEPTIVE STATEMENTS.??? See attatched XX/XX/2019 *Adjustment Purchases Listed above the * TOTAL PAYMENTS & CREDITS FOR THIS PERIOD LINE IN BOLD ( only {$910.00} ) ** THEY NOT INCLUDED IN THE TOTAL. They are LISTED ONLY DECEPTIVELY INTERNALLY AND HIDDEN FROM CONSUMERS. ( ** They are Deceptive " Appearing Above " the Total Line and YET, " NOT INCLUDED " IN THE TOTAL LINE. These Adjustment Purchases Total {$1.00}, XXXX AND ONLY {$910.00} TRUTHFULLY APPLIED FOR THIS PERIOD XX/XX/2019. IT APPEARS AS IF ALL ADJUSTMENT PURCHASES WERE APPLIED CLEARLY THEY WERE NOT.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian 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 Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : XXXX Date Opened : XX/XX/2011 US DEPT ED XXXX XXXX : {$0.00} Date Opened : XX/XX/2011 XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00}