davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital 1 website keeps hit a snag and never allows me to file dispute. 
XXXX XXXX  is utilized for XXXX XXXXXXXX and they refuse to help telling me to call in. 

C1 is not allowing email or electronic communication and discriminatory against services that are openly available, because they choose not to in direct violation of federal laws.

They used to offer secure messaging and discontinued it. Certain departments are only accessible by phone and no other method which is discriminatory to XXXX XXXXXXXX. 

Email communication only as an XXXX request!
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson Capital Systems , Inc. and now XXXX XXXX XXXX have reported a debt on my credit report and continuously attempted to collect a debt that is not and has never been my debt, nor is it an account for which I am knowledgeable or a guarantor. 

I have contacted XXXX XXXX, the listed debt description, in person and by phone on numerous occasions. XXXX has confirmed repeatedly by phone that no debt exists in my name or related to my social security number. Despite reporting this to the credit bureaus and debt collector, the debt continues to be reported against my credit. 

The amount of the debt listed is {$680.00}. The current debt collector is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Their reference number is XXXX. The same debt is also reported by what appears to be a related company, Jefferson Capital Systems. Inc. 

Thank you for your assistance.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Associates illegally filed a lawsuit against me to collect an alleged unproven debt. I never received any correspondence by mail, email, or phone about this debt before they filed suit. I didn't know about the lawsuit until I received an offer from a lawyer to represent me in the lawsuit. PRA filed the suit on XX/XX/XXXX for the amount {$2600.00} and my first and only phone conversation with them was on XX/XX/XXXX from someone attempting to set up a payment plan on this unsubstantiated debt. I repeatedly asked to speak with the litigation department and the woman claimed to be from the collection/litigation department and I told her I have never received any notice or phone call before this. I also told her I was very confused and upset because I didn't know about this debt and wanted to speak with someone. She offered to send me an application for their hardship program. I was a victim of identity theft in XXXX, which she claimed the debt is from. In my answer to the lawsuit, I requested that PRA validate this debt, that they in fact own the debt, to prove my identity, and the alleged amount because the documents they attached to the petition/complaint looked to be copies from the internet with no real proof of the debt. There has been no response to that request. I have since filed a motion to dismiss and compel arbitration and have not heard anything from them. My court date is XX/XX/XXXX.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX, I received an email from what appears to be Resurgent Capital Services with the subject " [ My name ], your account has a new home. '' The email describes a debt over {$800.00} that was sold in XXXX of XXXX. The email doesn't include any option to dispute the debt. I've included an attachment of a pdf of the email. 

I have no knowledge of having any unpaid, outstanding debt. I checked my credit report with XXXX on XX/XX/XXXX and verified that I have nothing in collections and no outstanding balances. I have never previously received any communication via phone, email, or letter in the mail regarding this debt in my entire life. This is my first communication from Resurgent Capital although they state the debt was purchased over a year ago. 

The email contained the following message : " Hi! I'm XXXX and I'm here to explain who we are, what we do, and how it all impacts you. Let 's start by discussing some information about your account. 

The account ending in XXXX was sold on XX/XX/XXXX and LVNV Funding LLC is the new owner of your account. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, Resurgent Capital Services. 

We know paying off debt can feel overwhelming, but rest assured we've helped millions of people just like you resolve outstanding debt and we're confident that we can find a solution that works for you, too! 

To get started, simply click on the button below to see all your options. You can also speak with a member of my team if you have any questions. 

Please review your account details below. 
Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$800.00} "
Consumer complaint received 2020-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (CA)

On XX/XX/2020 an ACH from Discover Co was placed against my XXXX XXXX account. The charge was in the amount of {$6300.00} and caused my account to be overdrawn by more than {$4000.00}. 

I contacted XXXX, but because the amount was too large, they could not credit my account while the fraud investigation was initiated ... which could take many days. 

I contacted Discover Co with the transaction number, amount and my account, but they refused to help me because I do not hold an account with them.

I'd like to file a complaint against Discover as they are literally stealing money out of my account with a fraudulent charge and will not reverse the charge. 

I will suffer extensive financial harm as this fraudulent charge took place the day before XXXX and any resolution will take many days to resolve with XXXX. 

This means that my car payment, rent, insurance and other charges will be declined and I will be liable for late fees and credit issues. 

In a sophisticated digital banking environment, there should be no way that this type of damage can inflicted on a checking customer without recourse. 

I am completely helpless against this theft that Discover has facilitated.
Consumer complaint received 2021-01-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ceannate (FL)

The company keep calling me and harrasing me. I submitted a previous complaint and they said they were gon na cease and desist all communications with me but they are still harrasing me. STOP HARRASING PEOPLE THAT DONT OWE YOUR COMANY ANYTHING. YOU ARE A THIRD PARTY TRYING TO COLLECT A DEBT THAT IT WAS ALREADY FILED AS A BAD DEBT.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/21, I was at work and was alerted that the phone number on my bank account through Chase Bank was changed. I did not make this change. I immediately went on to the banking app and saw that there was a new joint savings account opened in my name by someone named XXXX XXXX ( clearly a made-up or stolen identity, as I have no relations to anyone by that name ) ending with XXXX. {$15000.00} was already transferred out of my savings account. While I was on hold trying to get on the line with a customer service representative, an additional {$30000.00} was transferred out of my savings and checking accounts into this fraudulent account. I immediately filed a complaint and initiated a claim with Chase and went to my local police department to file a police report. I subsequently locked all of my credit bureaus. Two days later I went to a local branch to submit another complaint and to continue with the claim. Five days later I received the official police report and went back to the XXXX branch to submit the official report. The banker stated that she faxed over all the necessary paperwork for the claim to Chase 's Identity Theft Department. Three days later I had not received any updates so I called to follow up on the claim, and I was informed that NO official claim was submitted and no paperwork was received. The next day ( Saturday ), I went to a different branch to follow up once again. All the paperwork was re-faxed, but the bank did not " start working on it '' again until two days later ( Monday ). Two and a half weeks later from when the fraud was completed, I receive a notification that my claim was rejected because the transaction was 'processed correctly or authorized ' and that no adjustment was going to be made to my account. I authorized no such transaction and am hence submitting a formal complaint against JP Morgan Chase Bank.
Consumer complaint received 2020-08-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card- XXXX I am not disputing the verfication of these accounts what i am asking for if I received a XXXX from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks
Consumer complaint received 2024-06-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (GA)

I had a link all access card from netspend linked to my business account which is XXXX XXXX XXXX XXXX XXXX they refuse to verify it as an business account but then it asks me if I wanted changed back to a personal account. On XX/XX/year> supposedly it was a standard transfer from the link card to my cash app account which does not reflect my online statement I then sent over to XXXX XXXX of the Violating my rights Cash app then sent over the message to netspend during conversing on its website about the issue that either could either explain why do I have a negative balance with them that doesn't reflect as a balance with the net spend card or digital account I have also received an coded letter from net spend about some personal legal issues I were having with a law firm that they are able to receive my funds in some sort
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

I have set up an autopay of the statement balance into two payments, twice for every billing cycle. There are a couple of payments that were denied due to insufficient funds in my bank account. 

Every billing cycle I have paid at least half of the statement balance, including interest charge and return fee. 

The credit card company recently closed my Costco credit card account due to a couple of payment returns due to insufficient funds.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

For 6 months I have been disputing inaccurate information on my credit reports. From what I can tell my letters were never even opened because I did not receive results in the mail.
Consumer complaint received 2020-05-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vericred Solutions LLC (FL)

The company calling me pertaining to this debt, Vericred Solutions LLC, is calling my cell phone repeatedly every single day. I believe they may be calling my wife 's cell phone number as well and I will verify this. They do not have my consent to call my cell phone and they are calling me using an auto-dialing system and leaving recorded messages using an auto-dialer campaign system. An another note this debt is very old. It was an auto loan taken out with another bank going years back. The vehicle was voluntarily surrendered due to medical hardship in my family and the loan was eventually charged off after the vehicle was turned in. Prior to the vehicle begin surrendered the loan was paid each month ON TIME and never missed a payment, as the credit reporting shows. My credit report shows a balance on this loan of XXXX and I question this as as I paid for several years on this loan, with the original creditor, and all payments were on time. This loan has since been 'sold off ' to various 3rd party agencies so I believe the balance has increased due to unfair fees and additional interest which warrants a review to determine if UDAAP laws have been violated.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WY)

To whom this may concern : I have had an on-going credit card dispute with Chase since a charge was posted to my credit card in XXXX. I was sent a notice letter from Chase on XXXX XXXX and given until XXXX XXXX to reply with any information that could help them to resolve my dispute with the merchant. I replied on XXXX XXXX with the form filled out and accompanied it with all of the information attached to build my case ( see attachment below ). I received an automatic reply from Chase XXXX XXXX XXXX see attachment below ) saying that my message was received, giving me every reason to believe the message was indeed received and to not contact them further due to high volumes of requests they are receiving. I then received a letter on XXXX XXXX saying that the charge was valid. I proceeded to send them a message questioning this. I heard nothing back so I called them on XXXX XXXX. The Chase employee told me they have no record of receiving my initial message XXXX XXXX though I can clearly see it on my end in my Message Center on their website and was even sent an auto-reply from Chase that I have in my inbox dated XXXX XXXX that says " We received your message ''. I now also have taken a video of it along with the screenshots below. She said not to worry, submit all of my information again and they will re-open my claim. I get a message today, XXXX XXXX saying that I am being rebilled for the initial charge because too much time has passed and the charge took place too long ago. I phoned them because I have adhered to all of the required deadlines to reply to them on time, it is them who took too long to respond to me. Too much time has passed because of Chase 's lengthy response time and faulty website, not because me as a consumer took too long. It is crazy how unhelpful they have been and that they state so matter of factly that there's simply nothing they can do at this stage and they don't see what I see on my webpage neither do they have any record of receiving anything from me XXXX XXXX when I literally have proof that's what I see on THEIR website. 

It's a lot of money and to lose this money not at the fault of the merchant but now because of how Chase has faulty procedures and is so unhelpful, is incredibly upsetting. You want to bank with companies because they should be on your side and help in situations such as this. During COVID, it's extenuating circumstances, I've been patient while this process drags on for months now. But when they as a company make mistakes and take long, they should accept the mistake as their own and resolve them with their clients. 

I look forward to hearing from you at your earliest convenience and thank you so much for your help. Stay safe. 

Best regards XXXX
Consumer complaint received 2020-05-08
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: AFNI INC. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since XXXX continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Solutions. Along with a plethora of fraudulent credit inquiries.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CO)

I'm a Chase Bank customer and I have been doing global wire transfer with them without any issue, however, I wired {$50000.00} to my brother on XX/XX/2020 which is the date Chase claimed the wire was completed but the recipient never receive the money. I contacted Chase three weeks ago and as of now there is no solution for my problem. They said a week ago that they initiated a wire recall but I did not believe them as such process will not take that long. The case number for this issue is XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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 that are found to be fraud 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. Please block/remove these items. 
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Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$480.00} on a XXXX XXXX account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.