davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
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: EOS Holdings, Inc. (FL)

On XX/XX/XXXX I contacted XXXX directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

XXXX  was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, XXXX reported a response that the debt had been verified and would remain. XXXX and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ).

To this end, I am requesting the assistance of the CFPB to hold XXXX to task as well as the below referenced collections agency : EOS CCA XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION (DC)

I paid off a debt directly with my bank 's internal collection agency in XX/XX/2023. I recently received a letter postmarked XX/XX/XXXX from XXXX XXXX XXXX to collect credit card debt from my bank ( NFCU ). The notice looks legit and has a reply form for me to include payment and a number I can call to pay it over the phone. I called the number, and there was no person to speak to ; the initial prompt offer was to make a payment, but as I continued on the line to try to talk to someone, it went on an indefinite hold. 

The postdate and notice date were a dead giveaway for me, but I wanted to call to catch them.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This account is not in my name and needs to be removed from my credit history. As of XX/XX/2019, this account was PAID IN FULL for the corrected balance due. They were in formed on numerous occasions that in XXXX this account was hacked. The person who hacked my account attempted to charge and make payments from fraudulent accounts. At that time, you closed my online access. Then refused to provide me with any monthly statements. However, during that time, you felt the need to charge late fee after late fee after late fee on an account that by your own admission I had no access to or record of account balance. It was not until you were threated with legal action that you provide me mailed monthly statements but that again took you over 6 months to do. 
Therefore, when I refused to pay those late fees you got mad. In XXXX of 2019 you were sent a settlement check of {$660.00} which was the correct balance after removing your numerously illegal monthly late fees. See if you dont provide a customer with account access or monthly statements you can not legal charge a late fee. SO, I thoughtfully removed those from my account and provide you with a final payment closing out this account in my name. 
Now you continue to refuse to acknowledge that you accepted the settlement agreement by depositing the check, yet you deposited the check and credited my former account. SO, any charges to this account after XX/XX/2019 are not mine and I have no legal responsibility to pay them. IN fact, this account is no longer considered my debit. 
So, as I have directed you several times. You are to cease and desist from contacting me any way, shape or form about an account that is not legally mine. As far as the credit agencies reporting this account should be marked paid in full account closed with no balance due as of XX/XX/2019. IF you continue to harassment and file false reports to my credit report, I will seek legal action. You have been warned!!
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX ( Identity Verification documents attached ) In XXXX of XXXX, I disputed various items that were not reporting correctly on my consumer credit reports. This dispute resulted in Experian deleting the following accounts from my credit report : XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In addition, the following addresses were removed from my report as they were also erroneously reporting : XXXX. XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX You can see these deletions on the attached file titled " Experian XXXX '' As I was recently reviewing my credit reports, I noticed that these three accounts and three addresses were reinserted into my consumer credit report ( see attachment titled " Experian XXXX XXXXXXXX ''. As you are aware, as per the Fair Credit Reporting Act 15 US Code 1681i ( 5 ) ( B ) ( ii ) and ( iii ), a consumer reporting agency has to notify a consumer within 5 days in writing that an item is being reinserted into their credit file. I never received such notice from Experian at any point since the items were deleted, yet they are back on my report. 

This is a direct violation of Federal Law, and I am demanding that the information be removed from my reports as they were back in XXXX. In addition, I am including an invoice in the amount {$6000.00} for compensation for these violations as provided by the FCRA. 

Please note that failure to comply to with this request within 45 days of receipt will result in a lawsuit being filed against your company in order to get you to comply with the law, recover the penalties due to me and for damages. I am trying to amicably resolve this situation before wasting the courts ' time with your willful noncompliance of the law.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Just after XXXX  a priority mail letter was delivered to a home that I stayed at temporarily while looking for a job. The person who lives there brought the letter to my home on XX/XX/XXXX. I used the mobile deposit feature in the banking app and deposited the funds. The check was dated XX/XX/2018 in the amount of {$2900.00} and was written out to me. I spent some of the money on household goods as I was XXXX  up until XX/XX/XXXX and had nothing in my home. On the XXXX I went to purchase groceries and my card was declined. I called my bank and was told that the check was reversed due to insufficient funds and that it was my responsibility to know if the funds were available prior to depositing the check. I was instructed to contact the issuing bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Upon calling them the woman I spoke with asked for the check details including account and routing number and though the routing number was correct she stated that the account did not exist. I was told that this could potentially be fraud and to call my bank. I called my bank immediately, USAA, and relayed the information I was just given and was directed to the fraud department to start a claim. After speaking with them both of my checking and savings accounts as well as my husbands checking account was frozen. To this day I still can not even access the website to view my accounts or notices. I called my bank repeatedly and was told that the money needed to be recouped immediately. I asked what my options were and was told that they had to take all of the money from all of the accounts to offset the balance. I was not given any other option but was forced ( I feel like I was forced ) to give them permission to drain all of the accounts and still owe them {$590.00}. I was told that if I dont pay the difference before XX/XX/XXXX five or take then all of the accounts would be closed and they would submit my information to collections as well as post it on my credit report. Even after explaining that Im currently unemployed and do not have any other bank accounts I was asked to write a check for the balance. I attempted to file a police report at the XXXX XXXX Police Department in NJ I was told that I would be arrested for submitting a false police report. I should also mention that the original letter came with tracking information and that my husbands account was frozen because Im listed as a joint user. Every account that had my name on it is frozen. I received a letter in dated XX/XX/XXXX stating that the check was returned because the account could not be found. I called USAA and was told that my fraud claim was denied.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

This CFPB complaint has been filed to request pursuant to FCRA S 605B ( 15 U.S.C. S 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Throughout the second half of XXXX, I received multiple credit card offers from HSBC Bank related to my high credit score. Multiple offers were received from HSBC for an HSBC Cash Rewards Mastercard. On the advertising " pre-screened '' offer, it stated a 0 % Introductory APR in bold red lettering. A similarly looking offer was received for the same colored and designed credit card, an HSBC Platinum Cash Rewards Mastercard. Both offers offered {$150.00} cashback for spending " x '' number of dollars in the first 90 days of account opening. One of the offers stated XXXX points that equaled {$150.00} cashback. After multiple solicitations I decided to sign up for the card in XX/XX/XXXX that included 0 % introductory APR for 15 months for purchases and balance transfers. Or, so I thought. I spent on the card according to a planned project for those stated terms. 

In late XX/XX/XXXX I received my first statement showing a 14.99 % APR on purchases. At this point the total I accrued on the account was based upon a payment plan to pay off the full balance in early XX/XX/XXXX. 

On XX/XX/XXXX I spoke with multiple representatives at the company who defended the fraudulent advertising practices, even referring to the website to review the offers attempting to make me believe it was 0 % for 15 months on balance transfers. I received a paper offer ( multiple to be specific ) and this is not how the advertising read or what was expected based upon the advertising. 

To date, I have never used a balance transfer in my life and did not plan to do so. The credit card was signed up for and used according to the 0 % Introductory APR for purchases and transfers offer I believed I was getting. The Cash Rewards and Platinum cash rewards card design are nearly identical in nature and the terms are similar except for the purchases clause. 

The attached document is an example of one solicitation letter, but not necessarily the one attached to the sign-up I used.
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (OK)

I requested validation of the {$570.00} owed to Millennium Financial Group, LLC. On XX/XX/XXXX I received 14 pages of account history from XXXX XXXX XXXX XXXX including names and dates of children and their procedures not associated with this bill. These are clear violations of all three minor children with appointments dating from XXXX inclosed. I have reached out to both Millenium Financial Group and XXXX XXXX office on Monday XX/XX/XXXX without a response back.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I signed up at TransUnion. There was no obvious indication that the membership would apply fees. So I was charged by XXXX. I found it in one hour and cancelled immediately but they insisted on the membership until XX/XX/XXXX and charging me one-month fee. I think its not reasonable and claim my money back and end the membership now!
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (MI)

I have reached out to XXXX and Sagestream and they are refusing to provide me withmy consumer report .On XX/XX/XXXX the sent me a letter stating that they are unable to authenticate my identity and therefore can not process my request. I have provided them with a copy of my y drivers license and they still refuse to provide me with my consumer report which is a violation of my rights under the FCRA. Attached to this complaint is a copy of of my Drivers License I porviede to XXXX and Sagestream.
Consumer complaint received 2023-08-24
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (CO)

On XX/XX/XXXX at approximately XXXX MST, I attempted to contact the company XXXX XXXX about an old debt that I wanted to try and resolve. They transferred me to another one of their agencies who I tried to explain the issue to and offered a settlement of 20 % of the balance. They had already doubled the amount in fees over the last year. The agent then laughed and said they wouldnt do that. I asked to speak to a manager after realizing I was just losing my temper over the behavior of the agent. When the agent went to transfer me she called me a XXXX  tool & when I asked her why, she got extremely rude and hung up on me. I called back, got another agent & immediately asked for a manager and the second agent also has rude comments. When I spoke to the manager, he didnt seem interested in resolving the issue. This collection agency should not be licensed. Just try to talk to them. I can call them and let you listen. I understand I may not have had the most pleasant response to the treatment I received but this collection agency does not want to resolve debt. They want to harass you.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (KY)

XX/XX/XXXX I received an email that a person that isnt me had been added to my XXXX account. Within 3 minutes later I had 5 {$100.00} charges made on that account. 

I called Chase on the number on the back of my card within minutes and explained the situation. 

The charges were removed and the card cancelled, then a replacement was sent. Problem solved, or so I thought. 

I checked my statement a month later and the charges were added back to my account. 

Despite dozens of phone calls and visits to the branch showing printouts of the account emails I received Chase has not resolved this in any way. The disputes contact I have no longer answers or returns calls, and Im still stuck with {$500.00} in fraudulent charges on my credit card statement. 

The account that was hacked had not be used by me in weeks, and never once in the lifetime of the account had I EVER purchased any sort of add-on or made any purchase at all. I immediately canceled the account with XXXX so as not to risk anything further. 

Despite producing the evidence to Chase and calling them within minutes to file the dispute I am now almost 4 months later STILL trying to get my money back that was stolen from me.
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/2023 and XX/XX/2023, I filed two Debt Validation Letters for two separate accounts with Resurgent Capital Services requesting them to Prove the Claim and to forward me the proof and following items ; 1 ) Verification that an Attorney read their Notices sent to me on XXXX XXXX. 
2 ) Legal authorization that they are licensed. 
3 ) Legal authorization that they have jurisdiction on this matter as I am a Michigan resident and they are located in South Carolina. 
4 ) A copy of the Application. 
5 ) A copy of The Purchase Agreement. 
6 ) A copy of the Original Contract. 
7 ) Monthly Statements, Purchases, and Pin # s to verify alleged debt. 
8 ) Verification of my signature authorizing Resurgent Capital Services to collect any alleged debt. 
Resurgent Capital Services have failed to provide adequate documentation to prove the Claim of Debt and simply has only forwarded a copy of an Account Summary that any professional hacker could create or get their hands on. There arent account details or any specific information on the Account Summary they forwarded me. 
Resurgent Capital Services are in violation of federal and state laws of 15 USC 1692 where they are mandated by law to provide documentation to prove the Claim. 
In phone calls with Resurgent Capital Services regarding this matter their Supervisor and the Compliance Department have told me that they will not provide these documents. The last phone with the Compliance Department was on XXXX XXXX.
Consumer complaint received 2023-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

After obtaining my credit report from each of the bureaus i noticed inquiries that were not made by my or authorized. On XXXX XXXX I contacted Equifax and was not only belittled by the representative asking if i knew where America was. After 21 years in the XXXX that was offensive. Asked to speak to a supervisor and got the run around and someone else who could not understand what I was saying. 
I had filed online dispute for the inquires not mine or unauthorized and placed an alert on my file about the following Inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Same day I received dispute results and only had a statement that it was factual. On the dispute letter from Equifax, it states i have the right You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. 
Today XXXX XXXX i tried to be reasonable and call and talk to someone and same thing was not getting anywhere, and the representative seemed to not understand what I was saying I asked to talk to a supervisor first i was hold for 10 minutes and he came back trying to tell me how to file a dispute. I asked to talk to a supervisor again as we were not getting anywhere, and the representative hung on me.
Consumer complaint received 2023-08-11
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. (FL)

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.

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 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I submitted a paycheck which I got from my company for {$1800.00} which I deposited in chase and my account has been restricted and I am not able to use any of the funds available in the account. 

The reason chase gave me this is that the number to all for verification of the check is missing from the internal database. I have tried giving them the number and also my employer is ready to go in the bank to verify or any other way is fine as long as Chase is able to verify the writer of the check. The amount has already been deducted from the employer 's account and I am stuck as I am not able to use my account and this is the only account that I have.