davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (FL)

Affected by declared disaster hurricane Milton XXXX in XXXX XXXX, Florida USA. I am unable to make timely payments due to the impact on my job/wages as a result of a Public Health Emergency . Late payments were due to loss of job or other causes beyond my control. Not compensation received. Would like to request 6 months moratorium on payments and lower payments and non adverse reports and/or apply to behind payments to credit reports agencies to ASPIRE credit card on my account ending in XXXX It would help me during hardship situation to recovering. Also known as ASPIRE CREDIT CARD closed my account without giving the opportunity to recover from this hardship situation and won't offered me any moratorium, deferment or new payments arrangements, they also did not apply the credit card insurance that I was enrolled just in case of job loss and did not apply the promise to not harm my credit report when I was insured and enrolled on the credit lrotection program.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc. (SC)

XXXX XXXX began to report this account to the credit bureau in XX/XX/year>. As soon as I saw it on XXXX XXXX I called XXXX. I advised them that I did not request this card. I ask if the card had been activated by my phone number the answer was no. I requested to know if there have been any purchases made on this card and I was advised no. I was told that there is a {$50.00} annual fee on the card, I was told that the fraudulent card would be investigated and someone would contact me. Since I was not getting any return calls I began to call on a regular basis. Each time I called I was advised the last agent I spoke to did not file a fraud claim. This went on for months and months. I finally got an associate that honest enough to tell me that the investigation did show this account was fraudulent. I was advised it will be removed from the 3 credit reporting agencies within 60 days. Just last week I called again and I was advised there no one has filed a fraud claim on this account. I did not request this card, I have never received this card, This is just flat out ID fraud. Please get this removed from all 3 credit reporting agencies
Consumer complaint received 2020-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

I have both a checking and savings account with XXXX since XX/XX/2018. When I set up my saving account I was told that I needed to keep a minimum balance of {$300.00} in the account or set up a recurring transfer from checking to avoid a {$5.00} per month fee. However, no matter what I do I am still charged this fee and I need to keep calling in the bank to get this fee reversed each month, despite following the rules and keeping the balance above the {$300.00}. I was told by branch employees and customer service that their policy was to keep charging the fee perpetually until the account was drained, hoping that customers wouldn't notice. 

I also have been prevented from setting up recurring automatic transfers from my checking account because the bank 's policy is to ignore the Americans with Disabilities Act by not allowing someone like me who is XXXX to walk into a branch and set this service up with a face to face meeting with a manager or over the phone with customer service. Their policy is to not help any customer who can not " look at their computer screens to see what the banker is doing to the customers account ''.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (VA)

XXXX called and told be about an account I was unaware of so I pulled my credit report and notices the following inaccuracies on my report. 
Creditor Name : XXXX Account Number : XXXX Dispute Reason : Account not mine Creditor Name : XXXX XXXX Balance : {$640.00} Dispute Reason : Account not mines Creditor Name : LVNV FUNDING LLC Balance : {$4300.00}. 
Dispute Reason : account not mine Creditor Name : XXXX XXXX  Account Number : {$19000.00} Dispute Reason : Account not mie
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me 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 CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 


Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2020-01-24
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: ID Analytics, Inc. (MO)

I have sent two Notices to SageStream. For the purposes of removing unauthorized and unknown inquiries from Credit Reports. At this time, they have failed to respond, let alone remove all unlawful inquires.
Consumer complaint received 2023-03-09
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: Holloway Credit Solutions (AL)

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 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 2024-10-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (TX)

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2023-03-09
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. (GA)

XXXX XXXX XXXX XXXX XXXX is reporting XXXX open accounts as closed to equifax credit bureau while reporting the same accounts as open to XXXX and XXXX . I contacted the creditor regarding this matter but was not properly assisted. This erroneous reporting has greatly impacted my credit score and prevented me from retaining new lines of credit from other creditors.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I had a Chase checking account for over three years, consistently in positive standing, and without any incidents of fraud or illicit behavior. During this time, I rented a car from XXXX, which I returned in XX/XX/year>. However, in XXXX, I was unexpectedly charged by XXXX for the rental. I disputed the charge through Chase, and my money was initially refunded.

However, about a month later, Chase reversed the
claim, allowing XXXX to withdraw the disputed amount from my account without further verification. I immediately contacted Chase customer service, who informed me that because the dispute was retracted, I would have to resolve the issue directly with XXXX. 

After multiple attempts to resolve it with XXXX, we couldnt reach an agreement. XXXX claimed I owed over {$1400.00}, which was inaccurate ; at most, I had missed two payments, totaling around {$700.00}. Despite knowing these were incorrect charges, I still deposited over XXXX XXXX into my account to address the balance and prevent account closure. Unfortunately, despite me constantly trying to tell support about what had been going on when trying to work with XXXX, Chase never offered a resolution and until the account was closed sometime in XXXX I was not offered any type of payment plan or assist in resolving the error with XXXX, resulting in the account closing with a negative balance.

Now, Chase has reported this incident to XXXX XXXX XXXX ( XXXX  ), which has barred me from opening any other bank account, making it extremely difficult to manage my finances. I believe this situation is unjust, as I made an effort to address the issue, had a positive history with Chase, and dealt with inaccurate charges from XXXXan issue others have also reported with this company.

Due to the account closure, I am unable to access documents related to my checking account, as the account is completely removed from my Chase profile.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/20 at roughly XXXX I receiver a text from chase bank asking if I had authorized a charge for {$760.00} from XXXX. It didn't look right so I decided to XXXX the chase fraud dept number and in between the time I received the text and found their number I got a call from XXXX which is actually the chase fraud number. The man on the phone identifying himself as a fraud dept employee with chase ID number asked me if I had authorized the charge from a XXXX in GA and I said I did not. He proceeded to ask me to verify if the info he had was correct including the account number and my address/info which he already had. He said he was going to send me a pin to make sure the account was mine and to read him back the number to which I did. This was actually how he added the debit card to his XXXXXXXX XXXX XXXX but I didn't see that at first. He verified what he had and then he said to close it out the only thing he needed was the pin number used for the debit card on file so he could process the transaction and close the card down.I gave him this and he said ok in 3-5 business days a new card would arrive.I went to bed at roughly XXXX and woke up to 4 emails from chase saying I withdrew {$500.00} each transaction for a total of {$2000.00} dollars at midnight that night. There was also a charge for {$19.00} at a XXXX that evening after the withdrawls.As of right now chase has deemed the XXXX charge fraud but the atm withdrawls as approved transactions. I cant speak with anyone in the US as all calls are routed to a call center in XXXX where there is little help.As of XX/XX/20 I have submitted screenshots and call logs from my XXXX ( not XXXX as they found ) to chase along with a police report for the fraud.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

I matched on tinder with this person, and we started talking and exchanging messages and then got XXXX XXXXXXXX. I made the mistake of sending him an explicit photo of me, which he is using to blackmail me. Now he is blackmailing me into sending him more money after I sent him XXXX on XX/XX/year> through Zelle to these numbers XXXX and XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (NJ)

I received a certified letter from XXXX, XXXX XXXX XXXX, XXXX who are representing Americredit. They sent me a Notice of Application for Wage Execution. I called them and explained that my wages were already being garnished from my employer regarding the same car but from a different company that was acquired by XXXX. 
According to my credit report, the XXXX XXXX account was closed and balance updated on XX/XX/XXXX. Americredit is part of XXXX XXXX, and XXXX  was formerly XXXX both are for the same vehicle that I had and was repossessed. 

I have a Release of Debt letter stating that my Americredit account was resolved on XX/XX/XXXX.
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (GA)

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall permitting XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2024-10-27
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (MN)

XXXX XXXX  store credit card taken out in XXXX with promotional 0 % interest. Account paid off in full by end of promotional period in XX/XX/XXXX & account requested closed XX/XX/XXXX, via phone call to them confirmed closed. XX/XX/XXXX annual fee assessed and charged after two years of non-activity & online account was re-activated, no statements prior to XX/XX/XXXX are available although they are showing in the messages with the link to last statement in XX/XX/XXXX and prior statements.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account Numbers.

Bank : XXXX XXXX XXXX Account # XXXX Routing # XXXX Bank : Bank Mobile ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX - OH ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account XXXX XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Account XXXX XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Account XXXX XXXX Routing # XXXX Bank : XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX Account XXXX XXXX Routing # XXXX I dont recognize the following accounts. Im victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately. Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I am writing to formally file a complaint against Wells Fargo for the handling of my customer service escalations, particularly in relation to their XXXX office representative, XXXX XXXX. 

My interactions with Wells Fargo have repeatedly resulted in my cases being referred to XXXX XXXX, who has consistently failed to address my concerns. 

Background of the Complaint : Since XX/XX/year>, I have raised multiple complaints related to XXXX XXXX mediation process used for addressing the illegally added banking products they added to my account between XXXX. Every time I reach out to Wells Fargo for a resolution, the case is escalated to their XXXX office and assigned to XXXX XXXX XXXX phone number XXXX ). 
This has happened despite my repeated requests for an alternative point of contact to ensure fair and unbiased handling of my concerns. 

Concerns About XXXX XXXX : XXXX. Failure to Address Specific Issues : One of my primary concerns involves the lack of a pre-mediation offer for the XXXX product. Despite multiple attempts to obtain a clear explanation and resolution, XXXX XXXX has refused to provide a breakdown of the Mediation process, citing proprietary information as the basis for not escalating my complaint to a member of management. 
XXXX. Bragging About Being the Only Point of Contact : During our conversations, XXXX XXXX has repeatedly stated that he is the final and only point of contact for complaints, implying that no further escalation or resolution is possible beyond him. 
XXXX. Self-Referencing in XXXX XXXX : Each time I have raised a new or ongoing issue, XXXX XXXX has taken the case from other agents and assigned the case back to himself, leaving me without the opportunity for a second opinion or unbiased handling by a different representative. 
XXXX. Potential Bias : I have found XXXX tone to be condescending and dismissive throughout everyone of our interactions. I believe this behavior could be influenced by XXXX bias, as I have noticed a stark difference in how my concerns are treated compared to similar issues resolved by others at Wells Fargo.
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

I C system ( debt collector ) try to charge me an amount on behalf of XXXX XXXX and even report me to the credit bureau for a debt that i dont even recognize. 
They report me to the credit bureau on XXXX XXXXXXXX
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (TX)

The credit card added Intrest to my credit card bill for no reason and my bill was past due all because of that and they wont take the late fee and Interest off my bill!!!!!!!!!