davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IL)

My account is currently in pre-litigation with Chase Bank Credit Card Services. I started a payment plan with Chase XX/XX/2022. Every month I must pay a certain amount of money, and the money is withdrawn directly from my bank using the routing and account number. 

For some reason, my current payment that was suppose to come out on XX/XX/XXXX still hasn't been taken out. Chase is saying that I had insufficient funds, but I did not based on my bank account statement at the time of supposed withdrawal. I received an email at XXXX PM on XX/XX/XXXX from Chase stating I had insufficient funds, but my payment is {$510.00} and I had over {$600.00} in the account. I called Chase at XXXX PM on XX/XX/XXXX and the person I spoke to said the payment was returned due to insufficient funds. But my account was never charged. I also have my credit card statements starting from my first payment in XXXX till my last payment on XX/XX/XXXX that's been recorded. This payment has still yet to appear as either paid or a returned payment. I called again on XX/XX/XXXX, and was told I can not make a payment, and that it will attempt the payment again by the end of the week. The payment still didn't happen nor have been attempted. I then called again on XX/XX/XXXX, and the issue still wasn't resolved. 

I had a previous situation like this with my XXXX bank account but it was 'resolved ' when I switched to using my Chase bank account. I do not have anymore accounts to switch too and need this to be taken care of before Chase tries to send me to court. 

Thank you!
Consumer complaint received 2024-12-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (CA)

I have contacted the company regarding a payment that was paid on XX/XX/year>. The company is stating that my payment was returned due to an NSF. Since this occurred, the company has been reporting my payments late to the credit bureau even though my payments have been made on time every month. I provided proof of payment such as bank statements, a letter from the bank and even connected my bank on a 3 way call with a representative to confirm the payment did in fact get paid. The bank representative even provided the payment ID # as well as a Trace ID # and the company refuses to fix their error and fix the late payments that they have been reporting to the credit bureau. This has affected my credit and causing a lot of emotional distress. I am unable to get a loan to fix my roof because of the false reports that are being made to the credit bureau. I have called many times and the company refuses to help me even though I have r provided more than enough proof of payment.
Consumer complaint received 2024-12-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MD)

Dear Sunrise credit I am writing about a debt you claim I owe. I just wanted to let you know that I received your collection notice. Under the Fair Debt Collection Practices Act ( FDCPA ), I request this debt 's validation. Please provide the following information : 1. The name and address of the original creditor 2. The amount of debt, including a detailed breakdown of fees, interest, and other charges. 
3. Proof that you have legal authority to collect this debt. 
4. Documentation showing that I am responsible for the debt. 

Additionally, I request that all communication regarding this matter be in writing. Until you have provided the requested information, I ask that you cease all collection activities as required by law. 

Please consider this letter a formal dispute of the alleged debt. Failure to provide this information will result in me filing a complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-12-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NC)

ar Sr : I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the __ _________________
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with Fair Credit Reporting Act XXXX  XXXX  ACCT. # XXXX DEPTEDXXXX XXXXCCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX ACCT. # XXXX XXXX ACCT. # XXXX XXXX  ACCT. # XXXX USDOE/XXXX  ACCT. # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-12
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Balance {$1100.00}
Consumer complaint received 2023-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Send debt validation letter to midland debt company over year ago havent received nothing Robo calls all day from this company 5 days a week harassing letters to my address this company is practicing illegal tactics under fair, credit act I want to take legal action for harassment
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NV)

XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Employers : The following personal information is incorrect Employers : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The inquiry was not authorized XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 5. The accounts are fradulent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (AL)

The phone number XXXX has called numerous times throughout XXXX, XXXX, and XXXX. Theyve called me XXXX times since XXXX started. Its currently XX/XX/XXXX. They ask me to verify my name and I do, then they proceed to tell me that they cant find account information. I spoke to a XXXX and they submitted a ticket to their IT to have my name removed from the account, this was in late XXXX or early XXXX, but they continue to call me. Ive blocked their number, but when they last called, XX/XX/XXXX at XXXXXXXX XXXX  I asked to speak to a supervisor and there wasnt XXXX available. I was transferred to Customer Service and found out they were operating out of the XXXX. I disconnected and blocked their number.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXXXXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX  XXXX XXXX Inquired onXXXX XXXXXXXX XXXX  Inquired onXXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX, 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 not to mention the fact none of these were from me they were false or fraudulent attempts
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$200.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00} "
Consumer complaint received 2024-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXX called to collect debt on a Macys CC. The initial balance was XXXX but they were unable to reach me and had all wrong information on file. I called them at XXXX to settle at that amount and they are requiring me to pay XXXX. I refused as I never got any correspondence till recently regarding this. They updated my address and communications and filed a dispute with Citi bank. I would like to escalate this as it is affecting my Credit.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P. (FL)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States i have the right to privacy.

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

15 U.S. Code 1681a - definitions ; rules of construction- exclusions -- - ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (GA)

I applied for a place and due to this company i wasn't able tp get approved, I do not owe a debt, I moved from an apartment that had mold in the apartment, I requested for it to be treated several times, and they failed to treat it, I became sick and the maintenance failed to report the mold to the office manager, the used a bristle brush to scrape the mold and that was not proper treatment, also there were false promises made to me. I did not owe anything, in exchange of me not suing they offered to allow me to vacate free of charge no debt owed. I have not been able to apply for places, i have no place to go, Please!!!!!!
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I paid the account off as of XX/XX/year> and the closed the account as if XX/XX/XXXX. I then received an alert that my account was 30 day delinquent from the credit bureau. I called citibank and they sent me a letter confirming closure of the account as of XX/XX/year> but that the credit update was correct however the 60 day delinquent was removed for XX/XX/year>. Then XX/XX/year> I received another alert again I called and they assured me the information was correct but my credit report again was cleared as the account was closed. The 30 day delinquent showed for XXXX only then it was showing closed and in good standing closed. Now XX/XX/year> I received another alert again reporting that the account is 60 days delinquent for XXXX. XXXX shows 30 days delinquent, XXXX and XX/XX/year> show in good standing but XX/XX/year> has a 60 day delinquent and they are attesting the information is correct although I have a letter showing the account has been closed effective XX/XX/year>. This is dramatically affecting my credit
Consumer complaint received 2024-10-18
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: I.C. System, Inc. (WI)

Ive called IC Systems to resolve a debt collection i have with the company in the amount of {$180.00}. I called multiple times and i have not heard anything from the company. First called was made on XX/XX/2024 at XXXX. Second call was XX/XX/2024 at XXXX, third call XX/XX/2024 at XXXX. All on the same day, different attempt on XX/XX/2024 at XXXX and XX/XX/XXXX at XXXX. I have not heard nothing back from the company, im trying to resolve this matter to come with an agreement for a settlement. 
:
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I have countless inquires that I don't recognize. This is my first time pulling my annual credit report and I would like to have them erased. 

XX/XX/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 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 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 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

We just opened a mastercard through community bank. We made a few small purchases for gas and BJ 's warehouse and then used it for a catering service. I tried calling to pay for these purchases right away on XX/XX/XXXX. I could not access my account online or via phone. I was repeatedly disconnected after hearing an automated service each day I called. I was not able to access any part of their website. I continued to get " there's a glitch in our system '' responses. I wanted to make sure I knew our account balance and paid it in full ASAP. We do not like to carry any sort of balance and I just opened the card to have as an extra form of payment for an upcoming vacation. I was finally able to make an " XXXX XXXX '' payment on XX/XX/XXXX. My total balance was XXXX. I paid that amount. I received XXXX emails in a row stating that my payment was scheduled. It has not posted to my bank account yet. I also have XXXX new pending charges that I can not find any information on. I tried calling again this morning ( XX/XX/XXXX ) only to hear an automated voice tell me I have a XXXX balance and {$7.00} pending???? I can not find out what or where these charges came from and can not speak to a person. I am beyond frustrated and can not believe the poor communication on the end of Commenity Bank.
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX, I received an email from NewRez indicating that my recurring automatic payment bank account information had been modified. Neither I nor my co-borrower authorized or recognized this change. 

Upon logging into my account, which is secured by multifactor authentication, I confirmed that the bank account information was updated to a routing and account number unknown to me. This raises significant concerns about both the security of my account and the possibility of my personal bank information being compromised or misapplied to someone else 's loan. 

I promptly contacted NewRez Customer Service. During my first call, I was informed that no payments had been made ( incorrect, as I made a payment on XX/XX/year>, which was successfully withdrawn from my correct account ). I was also told that Customer Service can not change bank account information and that the change must have been initiated by me, which is untrue. 

Unsatisfied, I called again and spoke to a representative who acknowledged my previous payment and confirmed that my bank account details were changed. However, they could not provide any information about how or why this occurred, who made the change, or any steps to prevent this from happening again. Additionally, while chatting with online support simultaneously, I received the same lack of clarity. 

I asked for basic information, such as the username responsible for the change, but was told they could not provide it. This is fundamental information that should be accessible in any secure system.

NewRezs lack of transparency and inability to address a critical security issue is unacceptable. I need assurance that my personal information, including my bank account details, has not been compromised. Additionally, I expect a clear explanation of how this unauthorized change occurred and the steps NewRez is taking to secure my account and prevent future issues.