davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (FL)

I noticed XXXX items on my credit that I did n't recognize that were listed by XXXX so I got their # and called them, the girl said they were tolls from XXXX..I live in XXXX ... I told her I just wanted them gone and agreed to pay XXXX to do so, the girl refused to send me an email or letter spelling out that they would settle account for that amount. She said they do n't have " the legal dept '' to do that ...???? I just wanted proof they would close these accounts for that amount as they said they would. I asked for her supervisor and a validation of debt because I did n't remember being in illinois then, and she gave the XXXX thing and said hold on, the supervisor came on who said first thing that she was busy and what did I want???? Seriously?? She also refused to send a letter or email and told me I had til XXXX their time or the price would go up, and HUNG UP ON ME! 
almost three weeks later, I get a letter from Trans World Systems saying that they now have my debt, and I need to call THEM. I called Trans world, and the girl said they ARE nco???? I nicely explained what happened before and that I was willing to close out the account even tho I was n't sure it was mine, I just wanted some proof before I gave them my credit card that they would indeed close the account out for that amount, the girl got snippy with me and again refused, take it or leave it, oh, and ya, now its {$430.00}!!!!! Who are these shady people and why are they switching my account to different but same companies???
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Subject : Dispute Regarding XXXX XXXX XXXX  Number XXXX Dear XXXX I am writing to dispute the inclusion of XXXX XXXX account number XXXX on my XXXX credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, XXXX has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge XXXX to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cooling & Winter LLC (GA)

XXXX XXXX XXXX XXXX XXXX filed for garnishment of my wages and my company was served on XXXX XXXX XXXX. Full payment was made on XX/XX/XXXX to XXXX County Superior Court. As of XX/XX/XXXX Cooling & Winter LLc has not requested the funds from the court. Full payment was made to the court and they still have the money because Cooling & Winter has not requested dispersment. Item is still showing on my credit as open and is greatly affecting my credit score.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I had XXXX chase business card, XXXX is ending with XXXX, and I transferred all my points to another card ending with XXXX, and Chase closed my XXXX card, refused to give my bonus points, saying I already received it, but the XXXX points are from transferring.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Your organization has claimed that I owe a debt to your company, but I am unable to recall any outstanding payments or dues that I might owe to your organization. As per the Fair Debt Collection Practices Act, I request you to validate the debt and provide the required information to me before I proceed with any further payments. I will pay the amount under one condition if you can provide the following details : 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX, XXXX. XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, and XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. I have already contacted other bureaus, and they have removed these accounts from their records after finding an error in the records. I am perplexed as to why your organization has verified them even though the other bureaus have removed them. I request you to delete these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In keeping with the Fair Credit Reporting Act, I am asking that my claim be investigated and any unauthorized inquiries removed from my credit report. 
XXXXXXXX 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
Consumer complaint received 2024-05-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-01-13
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. (GA)

A charge off is considered a certificate of indebtedness which means it is income and must be removed from consumer profile. 

XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX ( Privacy Act of 1974 ) The law says that it is illegal to report transaction history. 

In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I did not authorize these inquiries to my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CASE # XXXX This is a follow-up to my initial complaint as referenced above. Bank of America responded to you and to me ( letter attached ) but failed to address or resolve the issues I brought to your attention. I was reported to XXXX and to XXXX XXXX XXXX for an account that was closed due to a check I deposited that was returned on a closed account. It caused my account to go negative. As a college student, I did not have the funds to pay it off right away but did pay it a year later in full. I tried to get the this removed from my record with XXXX by writing to the bank and explaining that the check was written to me and I had no way of knowing it would be returned. The response I got was that it was something other than that check. In chexsystems I was reported for " suspected fraud activity '' and in XXXX I was reported for " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ''. I tried repeatedly to get information from the bank as to what I did that made them suspect " fraud '' and I have never been able to get an answer. I have done nothing fraudulent! I have not benefited in any way from the deposit of a bad check that I had no way of knowing would be returned. I took responsibility and paid it in full so the bank has not suffered any losses as a result of what happened. I on the other hand have been unable to open an account at any bank and have " fraud '' associated with my name which is unacceptable. 
The response to my first complaint mentioned nothing about the reason they reported to XXXX or XXXX. In fact the letter I received says they " investigated '' my complaint and found that my checking and savings account were closed due to me depositing a check that was returned. It says my account was closed for non-sufficient funds " activity '' or unsatisfactory handling and then goes on to say that the report they filed with XXXX and ews was accurate and will not remove it. It makes no mention of any " suspected fraud '' or any " attempted transacting '' with another account. It does not explain in way why I was reported for those reasons. To be reported for non-sufficient funds is VERY different from being reported for " fraud ''. The implications are extremely serious. 
I would like for them to explain to me what I did that could be construed as fraudulent and also prove to me that I intended to commit fraud. If they can not do this, then I am demanding that they remove the damaging record from my name in XXXX and in XXXX. It is critical to me that I clear this from my name. I feel as though I have been accused of criminal activity and then convicted of it without ever getting to hear any evidence and then not being allowed to respond to it. It is unfair and wrong. I am attaching a copy of the letter I received from BofA in response to my original complaint and a copy of the XXXX and XXXX report so that you may review it as well. 

Thank You
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX my car XXXX XXXX XXXX was stolen and recovered by police totaled on XX/XX/XXXX, on XX/XX/XXXX I spoke with XXXX Supervisor of Capital One Auto Finance asking for a settlement of {$8000.00} from my car insurance ( XXXX ) which paid settlement about {$15000.00} to Capital one but this car is only worth about {$13000.00} - {$18000.00} as of XX/XX/XXXX I paid in total to Capital one Auto {$23000.00}, plus my car insurance settlement payment {$15000.00} totaling {$38000.00} this ridiculous and excessive for this car. 

I asked Capital one XXXX, XXXX to send correspondence regarding my car in my name, my Aunt ( XXXX XXXX ) has deceased as of XX/XX/XXXX who was my co-signer, I paid Capital one payments monthly and my car insurance not my Aunt, I financed this car in XXXX at XXXX XXXX XXXX, NY I traded my car I owned to get the XXXX XXXX XXXX in XXXX. 

As of XX/XX/XXXX Capital one by mail is asking for another {$2900.00} or their settlement one time payment of {$970.00}, Capital one has left me without a car due to the EXCESSIVE CHARGES. This is besides excessive, abusive and discrimination, I support myself and my children with having a car and with my job I still have a job but am making less due to the Lose of my car. 

Capital One wouldnt even send me the total of what I paid, just a transaction history report of ( 7 ) pages in which I had to add up myself.
Consumer complaint received 2016-11-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (MI)

I called to get a auto loan payoff letter on XX/XX/2016. I was told on the phone that the letter had been ordered and that everything was taken care of. I was not offered the opportunity to fax or email the request for faster service. On XXXX I called to ask about the letter, but they said it would take several more days. I was told at that point I could fax a request in and they would turn around the request in two business days. I needed the letter that day in order to get the mortgage I had applied for. I was not offered any sort of opportunity to speak to anyone who could or would expedite the process, and when I asked about having called the previous week in order to request the letter and had not been given information that would have allowed the process to be more efficient at that time, I was told that it made no difference and there was nothing they could do. Key Bank cost my my home.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

An unauthorized online {$4000.00} transfer was made from my Savings to Checking account on XX/XX/2024. A second unauthorized Online Chase Bank withdrawal of {$7500.00} happened XX/XX/2024. Formal description is : Online Payment XXXX To XXXX XXXX - XXXX. We have filed a police report with XXXX XXXX in XXXX, FL. Case # XXXX. We have worked through Chase Fraud Department and Claim # XXXX has been denied 4 times. As my IP address, account and password were used to make this unauthorized transaction ; Chase does not look beyond the internal financial transaction ; however, fraudulently sent from my computer. The money was used to purchase an XXXX debit card underwritten by XXXX XXXX. XXXX XXXX confirmed I do not have an account with them. They do confirm the Chase transfer, but it went into another account. XXXX XXXX will not identify the name on the account. A Detective from XXXX XXXX has issued a subpoena for this information. XXXX XXXX from XXXX XXXX XXXX Department is handling my case. I had my computer scanned for malware, the company found malicious/malware Zip files and scripts which compromised my computer. This information was given to Chase Fraud Department, but they said it was insufficient to refund our money. At no time have I clicked on or provided my bank information to anyone else. No one else used my computer. No one was in our home to steal my information. We believe my information was stolen while I was online with Chase Bank. XXXX XXXX, our Internet provider, refused to give me or XXXX XXXX any information regarding activity on or around XX/XX/XXXX. We are looking for some help to get our money back from Chase. Please contact us as to next steps or what you could do to assist us to get our money back since we did not benefit from this transaction. Regards, XXXX
Consumer complaint received 2017-11-07
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On my account RASH CURTIS & ASSOCIATES Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XX/XX/XXXX. 

I am writing this to investigate my account RASH CURTIS & ASSOCIATES. I am an identify theft victim. I sent FTC complaint & ID theft report, I also sent validation letter request they prove my information but they did n't response to me and they did n't remove these on my credit report. Please investigate and remove all these of my credit report.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to Experian and XXXX for this account be removed based on the creditors lack of verification. XXXX has removed it from my report.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (FL)

The company XXXX XXXX ( First Credit Service ) is looking for a person unrelated to me. They call and harass on a daily basis. I have repeatedly answered and explained I am not the person they are looking for. I have asked to speak to a manager and they denied to transfer me. I have records of the calls. This is straight harassment.
Consumer complaint received 2016-02-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (HI)

The Law Offices of XXXX XXXX XXXX continues to send letters to try and collect on a debt that is over the Statute of Limitations. I have responded many times notifying them that the debt is over the Statue of Limitations and was Written Off by the original creditor and have denied the debt many times. They have violated the FDCPA three times now. Attached are copies of their letters and my responses. 

They have also failed to cease communication upon written request by be me. They have communicated with me after validation ( Within the 30 Day Validation Period ) has been made, in which they are in violation. They have threatened arrest and legal action that is either not permitted by law or not actually contemplated. 

Under the FDCPA, the Law Offices of XXXX XXXX XXXX, XXXX is in VIOLATION OF THE FDCPA. XXXX XXXX XXXX, has numerous violations in collecting on many consumer 's in the State of Hawaii using misrepresentation and deceit for his monetary gain. 

Accordingly, XXXX XXXX XXXX, Attorney, is acting as a debt collector buying up defaulted loans that are too old and are over the statute of limitations to sue and also have been written off by the original creditor for pennies on the dollar using misrepresentation and deceit on unsuspecting consumers who do not understand their right under the FDCPA to try and collect. 

I would like to have XXXX XXXX XXXX XXXX brought up on charges for illegally obtaining monetary funds from many unsuspecting consumers in the State of Hawaii, using misrepresentation, threats of arrest and jail time and illegally getting judgements against consumers who do not know their rights on old debts to be sued upon.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (FL)

Credit card Accounts was opened up in my name without my consent potentially identity theft from Navy Federal I am in process of police report I sent in a Declaration of XXXX form already and I ask that these items be removed immediately under 15 U.S code 1681s2 - Responsibilities. 1692
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Back in XXXX I opened the card as a promo to receive a certain % off for your first purchase. The amount i was to receive credit for was {$69.00} for a pair of shoes. Unfortunately, that order was unable to fulfilled. Now, i've lost out on the promo.