davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

As of XX/XX/XXXX, having the good faith belief that the small amount of information I received from the plaintiff '' ( Jefferson Capital Systems ) '' and plaintiff 's attorney ( XXXX XXXX XXXX ) ; might be accurate. I spoken with plaintiff and plaintiff attorney about reducing the debt amount from XXXX to what I agreed to the creditor '' ( XXXX ) '' in XX/XX/XXXX, for the amount of {$300.00} on a {$500.00} balance before class action lawsuit that was filed in XXXX, Ga for their predatory banking lending practices. I never received any notification so I assumed that my account was dissolved in the class action lawsuit, until I received correspondence from Jefferson Capital Systems stating they were suing me for a debt they claim to have rights to collect. When I reached out to plaintiff and plaintiff attorney upon receiving correspondence of a summon to resolve matter of debt in the amount of {$300.00}, neither was willing to work out anything based on the terms that was already presented to me by XXXX.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Hello, I am a current credit card and debit card user. I previously spoke with one of your Chase representatives in regards to the Chase plan. I was under the impression that I could take advantage of a Buy Now, Pay later option. Im getting married in XXXX and decided to take advantage of this program. I recently was told completely different in regards to this plan. I was told that my available balance will not change, but Ill have a higher minimum payment. This was not disclosed when I asked numerous questions regarding this plan. I am unable to afford this plan and was hoping to have my account back to the way it was. That is all I am asking for because I can not financially afford this. Im getting married in XXXX and I have a newborn baby. This plan is hurting me more than helping me. Im hoping that someone understands and will be willing to help me. I appreciate any assistance in advance. 

Thank you,
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (NY)

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 1681. 

Account XXXX XXXX Account last XXXX digit # 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 a account without my written instructions 15 U.S.C 1681c. ( 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 seven years.

15 U.S.C. 1681s-2 ( 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 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (VA)

After my computer was hacked in May, I went into the PNC Bank branch in XXXX, Virginia, on XX/XX/XXXX to close my existing account and open a new one. The matter was handled by a PNC representative named XXXX XXXX. At the time, I also switched all of the automated monthly payments from my old account to my new one, including the payment of my monthly rent. 

The following month, when my rent came due, PNC did not issue payment, nor did the bank tell me that it was not issuing the automated payment. I didn't find out the payment was not made until after the final deadline for paying rent, when the apartment management company fined me about {$210.00}, even though I immediately took a check to them as soon as I found out. 

I then called PNC to find out why the payment was not made. I was transferred several times until I reached someone at the bank who told me that PNC uses an outside vendor to process automated payments. This person told me that the vendor had simply decided not to make the automated payment to the management company for my apartment because my old account had possibly been exposed. The vendor took this action even though I had specifically gone into PNC several weeks earlier and closed down the compromised checking account to prevent any fraudulent activity. At no time was I ever informed that PNC 's vendor had decided to not make the payment. When I asked the PNC representative to send me an email confirming what had happened, the representative said he wasn't allowed to. 

I went back into the XXXX branch PNC Bank and spoke with XXXX XXXX about the matter. I asked that I be reimbursed for the {$210.00} that I had been charged by the management company for a late rental payment. During the conversation, I later said that I would be satisfied if PNC simply reimbursed me for half the amount. PNC took the position that it was a third party vendor that declined the payment, so they were not responsible. It was nonsensical because as the customer, my banking relationship was with PNC, not a third party vendor. It was their internal decision as a company to outsource the processing of the automated payments. I of course had no idea that they outsourced this function, and had no control over it. And PNC on its website and through its online banking application of course presented the ability to make automated monthly payments as a service that the bank itself offered. 

I was never reimbursed or otherwise contacted by PNC on the matter.
Consumer complaint received 2017-10-23
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: EQUIFAX, INC. (GA)

Bankruptcy reported on Equifax and XXXX credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XX/XX/XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XX/XX/XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.
Consumer complaint received 2017-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

On XXXX XXXX/XXXX, I received notification from my credit alert company stating that a collection has been added from Bull City Financial in the amount of {$120.00}. I called them immediately with the intent to pay ; but I was confused as to why I received this collection without getting proper notification. I have not received a letter or phone call. They told me it was from date of service XX/XX/XXXX. the said they began collection activities on XXXX/XXXX. I AGAIN explained that I have no knowledge of this account. I explained to them that I have health insurance and I thought the amount was covered. I overly explained that I did not receive notification of this debt. My initial reason to call was pay the debt ; and to have them remove the debt after its been paid. They said that they could not remove the debt from my credit file because of a debt from XXXX. I explained to Bull City Financial XXXX that I can not review or confirm the XXXX debt because its not on my credit file and I have no knowledge of it being listed on my credit report. However, I can confirmed the latest debt of {$120.00}. I explained to them I can not verify the debt from XXXX nor can they hold this debt from 11 years ago over my head. They hung up on me ; called XXXX XXXX XXXX billing department to have them walk me through this process ; they asked me to call the collections agency. I called back to Bull City Financial again and they said the same thing ; this time, the representative told me that I had the pay the old balance AND the new balance. I explained to him again ; that I can not verify the old balance. They refused to help me ; so I reached out to you for help.
Consumer complaint received 2017-10-22
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. (TX)

The FICO score division of TransUnion is reporting a serious delinquency on my XXXX XXXX. No delinquency of any type exists. No company has reported and type of late pay or any delinquency because one does not exist. Their computer generated this delinquency because a credit card account showed a balance but no reporting from the credit card company and their computer interpreted this as not making payments. The balance does n't exist and there has been no activity on the account. The delinquency does not even exist on TransUnion 's credit report. It is the FICO divisions computer that is assuming this delinquency. I disputed it and got a letter from TransUnion saying it had been updated. Yet it is still being reported that there is a serious delinquency. It has so far cost me in higher insurance premiums and is showing up on my report while I am trying to buy a new house.
Consumer complaint received 2017-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (LA)

Me and my family flooded XXXX of 2016 in Louisiana. Me and wife started contacting our lenders to see if we could defer some of our payments to the end of our loans since we did n't have floor insurance and most of the expenses was going to come out our pockets. My mortgage company was glad to help with and promising us the payments that we missed would be put on the back of the loan. After one year later and three sets of paper work we had to send in and countless phone calls we finally got our modification paper. XXXX XXXX dollars and two years was added to the loan. When I question them about the add the balance they could only give me assumptions of where the add was coming from and denied me the paper work showing the add. If I would have known the headache and the fact of not knowing I was going to lose our home that we are raising our XXXX children in. Do n't trust GMFS mortgage company or XXXX. After losing all my belongings I was thinking I was going to lose my house too. We thought at the time that it was a blessing but turned into a nightmare.
Consumer complaint received 2017-10-23
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: AES/PHEAA (TN)

Reporting inaccurate and unverified information from American Education Services, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and family service has not verified in writing. XXXX XXXX which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.
Consumer complaint received 2017-10-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX XXXX. It has been over XXXX months dealing with XXXX XXXX XXXX XXXX deleted this account because it could not be verified. XXXX XXXX XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il dept of hc and family service has not verified in writing. Portfolio Recovery which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.
Consumer complaint received 2017-10-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (UT)

I had recently checked my credit, and had verified that it was in good standing. I was surprised that when I visited XXXX 's website, I was unable to finance a phone purchase, even though the price was so low. I was also shocked to learn that the bank had put a hard credit pull. This was not disclosed on the web site that I visited.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX XXXX XXXX I paid {$190.00} to XXXX by Postal Money Order and have call them month after month to remove this from my credit report and it still shows and they keep telling me that it should not be on there. This has been going on since XX/XX/XXXX every month they tell me it 's not on there and they have requested from XXXX XXXX XXXX XXXX to remove it but nothing. 

The information show collections in XX/XX/XXXX is wrong
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Submitted request the Free Annual Credit Report online to TransUnion and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.
Consumer complaint received 2017-10-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (CA)

I took out a personal loan from Wells Fargo on XXXX XXXX 2012. I set up automatic payments to be deducted from my account for this simple interest loan with amortization. The total amount of the loan was {$12000.00} at a rate of 16.454 % and my loan payments were {$290.00}. The interest rate was supposedly given a discount because I was already a Wells Fargo customer and part of the arrangement was that I was required to set up automatic payments to be deducted from my bank account on a monthly basis until I completed payments on the full term of my loan. The loan length was 60 months. I started to receive phone calls this month from Wells Fargo with a very vague voice message being left just to contact Wells Fargo several times a day but I thought it might be a scam so I hesitated to answer until a few days ago. I answered because the calls are we coming quite bothersome and more frequently. The person on the line stated that I owed money on a personal line of credit. I told them I should not owe anything and that was not mine because I had a personal loan but the payments were automatically deducted from my account so there 's no way that I could have owed a balance. The gentleman stated that the last payment was not deducted because the amount deferred then the usual payment amount and that I was to have contacted the company to make arrangements for payment. So I contacted Wells Fargo and spoke to several departments finally ended up with the executive department and filed a claim stating I should know anything because they responsible for the deducting the automatic payments on a monthly basis which was part of the agreement when I sign the contract to obtain the loan. I reviewed my contract and it was not clear that I had to make a payment for my final payment and I complain to the company that I felt defrauded because now they were charging additional fees because I had supposedly been late with the payment and I explained again that the arrangements were they were to to deduct the payments for my account. I 'm not trying to get out of paying money that I owe but the seams and unfair practice to me to squeeze me for more money when they could have simply deducted the when they could have simply deducted the final payment as had been arranged but now have sent me to collections.
Consumer complaint received 2017-10-22
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: EQUIFAX, INC. (TX)

XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for two years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

-Purchased a washing & dryer from XXXX in XX/XX/XXXX-Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full inXX/XX/XXXX-I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty XXXX is reporting me paying late ONE time in XX/XX/XXXX-I have contacted XXXX executive office three different times -I have was treated with disrespect and XXXX has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the XXXX rep with a negative racial stereotype
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IN)

What is happening is American Express has a custodian on my Principal. I have sent in my power of attorney and my beneficial owner of legal entity. I have demanded that if they are going to decline me for both applications. Then I need for American Express to do a retraction of both applications that say declined. I have not received any benefits for my application from the date of XX/XX/year> or XXXX. Securities fraud is when I give my estate principal number to American Express and they say thank you and give me nothing in return. Instead pursuant to their XXXX and XXXX filing. They turn my principal 's application into a receivable. As you can see they have done this twice now. Then they sell it to their trust, so they can trade it on the secondary market. They have inadvertedly made me an investor. To become an investor you have to have an elgible investment, Which was my principal 's application to A platinum Charge card with a revolving account and no spending limit. That I have been denied for twice, but they have turned XXXX of my principal 's applications into receivables and I have not received any proceeds or interest or any benefit of any kind from them using my principal 's account. American Express can't say they the accounts dont exist because they both have application numbers that are actually the account numbers that they have opened up on the private side, but have blocked me from using them. That sounds like securities fraud. I do not mind American Express wanting to do business with me, I just want to receive the benefits that I am entitled to and we can be business partners for lifetimes to come. And I don't mind doing business with them, but if fraud is going to be involved under my principal 's name and when I ask what is going on I am being ignored then I would rather just retract my application.