davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

Today XX/XX/XXXX at XXXX after the mail ran. I got XXXX letters from ChaseCard Member Services saying I owed 2 different card debits that were opened XXXX and closed XXXX. I had already been attacked and molested XX/XX/XXXX and non one did anything about it and was hacked through my bank at XXXX  XXXX XXXX after I paid XXXX payments toward XXXX XXXX XXXX that I did not get to use. I was XXXX XXXX XXXX XXXX still not able to work nor do I have a car or a way to earn money and do not have enough XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I can not even pay my rent and can not get help because I do not own anything. I rent a room and have no car. XXXX XXXX XXXX  The accounts keep coming back as verified and a professional hacker that charges XXXX an hour told me that I needed to throw my brand new computer, phone and router away I am on. the dark web and have been hacked XXXX times and they have key loggers on my account. I have had to move XXXX times and m y complete identity has been stolen and everyone keeps saying not their job to help from ATTNY General, Sherriff, Elected officials, Police, XXXX, XXXX and more. Plus I have written y'all and the credit unions several times. I need dark web survelience I have been paying XXXX a month to credit monitoring had life lock used XXXX XXXX  and put freeze and fraud on accounts. My credit dropped from XXXX after hard work to XXXX, and can not do any better. This is not my fault and continues to happen and I can not even get legal help, they think I am crazy. You can not make this up! I do not ow these bills. People are trying to get loans every XXXX seconds and have taken over my social accounts several times, and the last Sherriff that came out could not write the report as fast as the hacker was taken all my money out of my account. Then the second chance bank was not obligated to pay me full amount back and the check for XXXX bounced and I had to pay a fee for that. This ism nuts and ridiculous. I am overwhelmed, frustrated and stressed and XXXX XXXX XXXX XXXX XXXX XXXX and so much more. I want this handled after XXXX years of fighting just to survive. This is unbearable. Please contact me ASAP! I look forward to your immediate attention to this particular matter. I am tired of being put off!
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by CITI Bank On XXXX applied for XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2016-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY (TN)

Calls to both my cell and home phones from a Missouri number, ( XXXX ) XXXX. A recording threatened to serve papers on me at my place of employment. I called them a total of 31 times trying to get information piecemeal before the different agents hung up on me. They called their company " XXXX '' and I could hear other collectors in the background following the same script as the one I was speaking to, verbatim. They mentioned Wachovia, with which I have not had an account since 2007. Each time ( at least 15 ) that I asked what type of account and the court jurisdiction where the action was being filed, they told me I was rude, or I was lazy and could n't take care of my debts, once even that I 'm not a good XXXX. They never would, or could, answer my questions. I do n't believe I owe Wachovia, now Wells Fargo, anything. IF I ever did, it 's way beyond statute now. If I truly do legally owe them anything, I will happily pay it. XXXX is either a phishing scam, or a sweatshop debt collector trying to extort money on legally unenforceable debts.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Goal Structured Solutions, LLC (NV)

XXXX XXXX gave me a loan back in XXXX, my payments were $ XXXX, I started paying $ XXXX and about 6 months ago started paying $ XXXX. I have never missed a payment or was I late ( they take it directly from my checking account ). 

Today I tried to log into their website and XXXX said it was a questionable site and blocked it. When I called the company, they gave me the number of another company Launch Services who when their computer answered was a collection agency. 

Talking to the reprehensive ( XXXX - ID # XXXX ) he had me open the pages ignoring the warnings from XXXX. He had the last 4 of my account numbers and my payments correct along with the balance. He knew my login name but not my password. However the page he took me to was very suspecious. https : XXXX XXXX wanted to block it, I am concerned that I might have given this person information that will be adverse to my account. He said I was current in my payment and knew how much I paid a month. But because XXXX kept blocking the URL, I thought I should report the problem. My next payment is due to come out in 2 days, he said they took over in XXXX and all payments are current - than why is a collection agency calling me?
Consumer complaint received 2022-02-01
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. (WV)

I have pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through XXXX that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America gave customers, to include myself, a credit ( advance ) on XX/XX/2021 that I did not give my consent to. I do not have overdraft protection either. They charged me fees for transactions they allowed to go through when they shouldn't have as I did not set up overdraft protection. If there is no money in my account, no transactions are supposed to go through. And, I filed for bankruptcy so any fees like that were supposed to be returned to my account. On XX/XX/XXXX, they took back the credit that I did not consent to which caused my mortgage check to bounce and they charged me a {$35.00} NSF fee which they will not reverse. The agent I spoke to on the phone stated that the IRS mandated that they provide an advance credit. I asked for the letter in writing where the government mandated this and the consent form to advance credit my account which again, I did not ask for nor give my consent. She said she could not provide that and I asked her for someone to call me back today with when I can expect those documents as I need to resolve this because my mortgage check bounced and I now do not have the funds to cover it due to them taking this {$500.00} out of my account. I asked why they did not take those funds back as soon as the credit hit my account as we had been getting this credit for several months in 2021 for the IRS. She said it was to give people a break which makes no sense. No one called me back. I called again and they said that there were no notes from my call about what I asked to be provided to me. They said someone would call me back today but no one ever did.
Consumer complaint received 2022-02-02
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I am running into filing a dispute with Wells Fargo Credit Card Services. I filed a dispute with them XX/XX/XXXX via the only method they allowed, fax machine. I called their primary phone number in XX/XX/XXXX to follow up and was told that I must wait 60 days to follow up. I called in today they have no record of my claim. I asked to speak with someone in the credit dispute department and was informed that is n't allowed, they only allow internal communication. It is unreasonable that the credit reporting department for such a large company does n't allow any access for consumers to contact them directly. My only alternative now is to submit my claim via fax again and start the two month wait all over in hopes that someone responds this time. This is completely unreasonable for such a large company when the credit reporting they control has such a substantial impact on their customers life.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (FL)

I received a collection letter from AllianceOne showing a debt in the amount of {$33.00} I am unaware of this debt and of the amount shown, I believe it's an error. 

I would like to dispute this debt.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

Today XX/XX/XXXX at XXXX after the mail ran. I got 2 letters from ChaseCard Member Services saying I owed 2 different card debits that were opened XXXX and closed XXXX. I had already been attacked and XXXX XX/XX/XXXX and non one did anything about it and was hacked through my bank at XXXX  XXXX XXXX after I paid two payments toward 1,000 Life Loan that I did not get to use. I was XXXX from this band still not able to work nor do I have a car or a way to earn money and do not have enough work credit to collect more than XXXX a month and I can not even pay my rent and can not get help because I do not own anything. I rent a room and have no car. I am sick. The accounts keep coming back as verified and a professional hacker that charges 3,000 an hour told me that I needed to throw my brand new computer, phone and router away I am on. the dark web and have been hacked 23 times and they have key loggers on my account. I have had to move 53 times and m y complete identity has been stolen and everyone keeps saying not their job to help from ATTNY General, Sherriff, Elected officials, Police, XXXX, XXXX and more. Plus I have written y'all and the credit unions several times. I need dark web survelience I have been paying XXXX a month to credit monitoring had XXXX XXXX used XXXX XXXX  and put freeze and fraud on accounts. My credit dropped from XXXX after hard work to XXXX, and can not do any better. This is not my fault and continues to happen and I can not even get legal help, they think I am crazy. You can not make this up! I do not ow these bills. People are trying to get loans every 15 seconds and have taken over my social accounts several times, and the last Sherriff that came out could not write the report as fast as the hacker was taken all my money out of my account. Then the second chance bank was not obligated to pay me full amount back and the check for 1200 bounced and I had to pay a fee for that. This ism nuts and ridiculous. I am overwhelmed, frustrated and stressed and XXXX XXXX XXXXXXXX XXXXXXXX and XXXX and so much more. I want this handled after l8 years of fighting just to survive. This is unbearable. Please contact me ASAP! I look forward to your immediate attention to this particular matter. I am tired of being put off!
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OH)

I had rented a XXXX XX/XX/XXXX. Even though the transaction was paid for in cash, there was an unauthorized holding/pending charge placed on my US Bank debit card which overdrafted my account. XXXX ONLY had my credit card information because it was required to reserve the rental. The charge pended on my bank account, then disappeared, as it was NOT legitimately authorized and ran mistakenly, unbeknownst to me. As a result of the charge pending, several overdraft charges ( I believe XXXX ), were charged to my account. I contacted staff at US Bank in XXXX, Ohio to contest the fees, as I DID NOT authorize the charge which then disappeared, leaving nothing but the fees. 
The fact that I did indeed have money in the account is observable due to the fact that the overdraft fees alone totalled MORE than the amount which my account had gone negative. ( IE : I DID NOT overdraft, the pending, unauthorized charge which then DISAPPEAERED, overdrafted me ). 
I was advised by US Bank employees that I should just keep a better eye on my account, and that the only employee who could help me was on leave for another 3 weeks. 
Honestly, I have better things to do with my time than argue with banks over fees which I did not incur through any fault of my own. 
I am now in the " XXXX '' for a negative account which was solely the fault of the financial institution itself, and by them not honoring their policies for unauthorized charges causing fees.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (IL)

The company, XXXX XXXX, is trying to steal from my estate! Nobody from this company signs these computer-generated letters and various other means of communication via the XXXX XXXX XXXX  XXXX And since nobody takes responsibility for these claims, I can deem these claims as fraudulent. These accounts do not belong to me. I do not have a contract with this company and it appears that my SSN has been used without my authorization/written consent! Help! This company has stolen my identity!

1. This is a trust action. By taking my SSN, the credit company was given consent by the beneficiary of the trust to access the trust for payment. Any additional payment is double dipping and illegal!

2. Per public law 73-10 the US Treasury is to handle all public debts due to the elimination of gold coinage and gold clauses in contracts.

3. You purchased alleged debt, which in itself, discharged the debt, but then you claim the debt and it becomes a tax write off for you.

4. You can not make any claim of equal consideration and thus have zero legitimacy to call for a tender of payment.

5. According to UCC 8-102 ( II ) Indorsement means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming it. Which means my original wet signature is worth the value on the form I signed with said company on the day I signed it. It itself became a security and has the same monetary value as written on it as if it were Federal Reserve notes. My signature paid for the service received, as proof you bought said debt because it has value. Meaning, the form I filled out with my signature was redeemed as per UCC 8-102 definition above.

Any further attempts to get me to contract with you will be a violation of 18 UCC 1341 Frauds and Swindles and will be reported to the authorities.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

Experian, XXXX, XXXX is reporting a fraudulent account. I file a report with identity theft .gov. Report number XXXX and XXXX EXXXX XXXX XXXX  {$450.00} date opened XXXX XXXX
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (MD)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CT)

XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! 

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in DID YOU FILE A 1099 c?
Consumer complaint received 2015-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum (TX)

On XXXX/XXXX/15, my husband told me that his ex wife contacted him to let him know that someone called her house looking for him to collect a debt. 
On XXXX/XXXX/15, I received the following voice mail on my cell phone : '' My name is investigator XXXX XXXX. I 'm with the XXXX XXXX XXXX XXXX Department working with XXXX County. I 'm attempting to notify XXXX XXXX of a certified court summons I 've been hired to deliver on XXXX XXXX XXXX to the home and/or place of employment. If I do appear at your place of employment, I will need a supervisor present as a witness. If for any reason you wo n't be available on that scheduled service date, or if you wish to resolve this voluntarily, you may contact the petitioner at XXXX and refer to case number XXXX. Also, your failure to notify the filing party will result in me coming out with the sheriff as well as being issued a body attachment. Thank you, XXXX. Good luck. " On XXXX/XXXX/15, I received this message : " ... left us no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Please reference file number XXXX when calling it and have a good day. '' The first part was cut off by the outgoing voice mail message. At this point, I called the number. I told the man on the phone that I had been receiving calls from the number I dialed. He said that it looked like they were trying to reach - and he said my husband 's name. I did n't tell him that they were attempting to reach my husband ; I told him that the person they were trying to reach could not be reached at my number. He asked if I was sure. I said I was. He asked if I could get a message to that person as there were legal actions pending. I told him no, that whatever the issue might be was not my problem. He told me not to be like that, so I told him again that they could not reach the person they were looking for at my number and to take my number out of their system. He hung up on me. 
On XXXX/XXXX/15, I received another call with the same message as the one on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another call from the same number that I answered and disconnected right away. 
I am concerned at the threats of arrest, legal, action, and " body attachments '', the giving of information to someone who is not confirmed as the spouse, the continued calls after it was establish that the person they were looking for could not be reached at the number they were calling, the claims of working with the County ( and not the county I live in, either ), etc.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (OH)

This compliant is in regards to two late payments lodged on my credit report, via Continental Finance, the servicer of my XXXX XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX, this company is falsely reporting two late payments on my credit file and not updating my credit report accurately and in a timely manner. In addition, this company is charging me an adsorbent amount on late fees and high interest on this account. This company has reported my account late to the credit bureaus on two occasions and refuse to remove this false information for XX/XX/XXXX and XX/XX/2016. I have been in good standing with this company and continue to pay my debt obligations in a timely manner ; I always pay multiple payments, averaging three times a month, outside the parameters of my monthly billing statement, so how could my account ever become delinquent, or past due, the probability is very highly unlikely. Please have this company remove the false entry immediately.