davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NV)

Consumer name : XXXX XXXX, consumer social security XXXX, Consumer Date of birth : XXXX XXXX, Contents of complaint : This CFPB Complaint has been filed to request pursuant to FCRA 605V ( 15 U.S.C 1681c -2 ) that you, the XXXX 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 a personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX LVNV FUNDING LLC ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date opened XX/XX/XXXX LVNV FUNDING LLC ( Account number XXXX ) Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX LVNV FUNDING ( Account number XXXX ) Date opened XX/XX/XXXX Late payments remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX THESE ARE THE LATE PAYMENT DATES ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX ) INQUIRIES XXXX Inquiry dateXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX Credit report. I've attached a list of the hard inquiries and collections as well as a copy of my consumer report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts. collections, and hard inquiries appearing on my consumer XXXX Credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of Identity Theft and fraud. I have attached a copy of FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-18
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: JPMORGAN CHASE & CO. (MA)

I requested information on the research that they did to prove that the two transactions were valid. They refused to provide information and said that they cant move forward with the case. One bill is for {$230.00} and the other is for {$1200.00} Dispute filed XX/XX/XXXX Sent more information XX/XX/XXXX Received letter and they closed dispute XX/XX/XXXX Just received letter XX/XX/XXXX and attempted to call company with no success. I dont care about some timeline just need these charges to be relived. Because of the timeline with the companies I could not have disputed these under the timeframe they require. 

Will send evidence upon further request.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I had someone either use my card or something and charge multiple charges to it. I disputed this with Chase and they denied it saying the charges were valid. 
I did not make these charges. They were charged in the XXXX are and I was on a cruise of of XXXX  at the time. I also am from XXXX  so I was never in XXXX XXXX 
When I called Chase about the claim being denied they told me to reach out to the merchants directly. 
I have tried calling and can not get ahold of anyone. 
Charges : - {$140.00} at XXXX XXXX  on XX/XX/year> - says it was charged in person zip code XXXX - {$160.00} at XXXX XXXX XXXX and XXXX XXXX on XX/XX/year> says charged online, mail or phone zip code XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> says charged in person at a parking meter in XXXX XXXX zip code XXXX - XXXX ( another one ) XXXX XXXX XXXX XXXX XXXX on XX/XX/year> says charged in person at a parking meter in XXXX XXXX zip code XXXX - {$350.00} XXXX XXXX XXXX  on XX/XX/year> says charged in person zip code XXXX I submitted this to chase and originally they had refunded but then came back and said that the charges were valid and recharged me for them. 
then when i called they said to reach out to the merchants and i haven't been able to get anyone. 
also I was on a cruise from XXXX XXXX so not in in XXXX and then on the XXXX went back home to texas so again not in XXXX when the charges were made.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX 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 2024-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (TX)

XX/XX/year> Call from XXXX " This is Credit Management. Is This XXXX XXXX birthday XXXX XXXX. I did not confirm or deny this statement. When I asked what this was about the gentleman stated he needs my birthday and other personal information. 

XX/XX/year> Call from XXXX " This is Credit Management. Is this XXXX XXXX birthday XXXX. Same thing. I challenged her by stating, if you truly have business with me, you can mail me. She replied " no, I need your personal information first ''. 

I hung up. 

Please note : I have NO outstanding debts however am a victim of the countless breaches from XXXX XXXX XXXX to others. 

They will not provide me their address so that I can send a Cease & Desists Order. The numbers do not trace back to a company. Please help me. Thank you.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XX/XX/XXXX - INQUIRIES/XXXX XXXX XX/XX/XXXX - INQUIRIES/XXXX XXXX XX/XX/XXXX - INQUIRIESXXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am on XXXX and I think I originally had a little over XXXX dollars in overdraft. They continue to charge me overdraft fees to the point now my XXXX check they are taking like half off it and leaving me with no money to live cause they continue to take daily overdraft fees these has gone on for almost a year and I'm not surviving financially
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BOK FINANCIAL CORP (OK)

My mortgage was sold/transferred to BOK Financial on XX/XX/XXXX. I called BOK Financial on XX/XX/XXXX @ XXXX and spoke with someone named " XXXX XXXX. I told him as of today my mortgage is not showing on XXXX, XXXX or XXXX and I needed to know why it wasn't showing up. He said he could help with that and then he hung up. He did not call back. I called back at XXXX on XX/XX/XXXX. I did not get the lady 's name. She said the mortgage was not showing on the 3 credit bureaus because BOK Financial got the mortgage on XX/XX/XXXX and had a 60 day grace period to report. This means the grace period ended on XX/XX/XXXX and the reporting would start XX/XX/XXXX. I have had 5 mortgages in the past, 3 have been sold to other companies and they all reported to the credit bureaus immediately.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (AZ)

I've been getting contacted for 7 years about medical debt. I've paid over {$4000.00} to debt collectors and as soon as one is paid another gets reported to my credit report. I have proof I've paid debts for services on specific dates and I keep getting calls with debt collectors using coercive and intimidating language to get me to continue to pay in a never ending cycle of debt collection. This is shady, illegal, and unfair. I don't deserve to get called during work and berated over questionable debts on medical services from many years ago. They should have all had plenty of time to surface and get paid. I've concluded they're invalid and are taking advantage of me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX. Charge off XXXX XXXX Account Number : XXXX XXXX. Late Payment XXXX XXXX Account Number : XXXX XXXX. Charge off XXXXXXXX XXXX  Account Number : XXXX XXXX. Charge off XXXX Account Number : XXXX XXXX. Charge off XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/XXXX, I received an email indicating there would be legal action against me about a debt I knew nothing about! I let them know I was a victim of identity fraud and would like the debts deleted from my credit!
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (WI)

Me, XXXX XXXX, had three checking accounts, two consumer and one business with Huntington Bank. It appears they had closed these accounts for no reason after asking me to come into branch, I had called and they told me to go into branch, I went in branch and they would not tell me anything, they wouldn't even tell me the status of the accounts or confirm they were being closed, I then called and they made me have the account numbers, thankfully the person in branch as able to provide this. They then proceeded to not give me any information about what accounts or why they were being closed, this is obnoxious on this bank for requiring people to come in office for no reason, and then not telling them any info. this bank has had a history of telling people, including me to come in branch for no reason when they won't help me over phone
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

When I have money in my account and purchase something else like gas or food, I check again and then I have a negative account. Then I receive an overdraft fee to either my checking or savings once my checking arrives.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Ive been a navy federal Credit union member for years and Ive always had an issue with them taken so many drafts fees from my account. This has taken a toll of my finances tremendous. Every time I would cal them they had an excuse of why they took the fees. I thing it is about time they are being held accountable for taking advantage of their customers.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MA)

Ive submitted previous complaints about AidVantage and nothing changes. I received another email this morning about the terms of my loan changing. Now the payment has gone up an extra {$200.00} and the new due date is in XXXX. 

They have done this before where they send an email and then follow that email with another one for a different amount with an earlier due date. 

I also dont understand why I keep getting placed in forbearance when I have my loans set to autopay. 

We need more transparency.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-08-25
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't 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 didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account dont belong to me.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (IN)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I checked my annual credit report and noticed a credit card from Citizens Bank was charged off on my report in the amount of {$1100.00}, I dont know when this card was opened or who opened it but I never opened this account. Since the discovery of this I have filed a Police report with XXXX police department in XXXX XXXX XXXX. I have also filed an identity theft report with the Federal Trade Commission. I need this unauthorized fraudulent account removed from my credit report as it has caused me to be declined for renewal of my apartment lease and other lending products, which has cause me tremendous financial hardship.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MD)

On or about XX/XX/year>, I received an alert from a credit reporting agency that an account was being reported as 30 days past due. 
I logged in and noticed that Bridgecrest Acceptance Corporation was reporting this information. I called to inquire and they indicated it was an error. However, they needed to wait until all the credit bureaus received the information before they would attempt to correct the erroneous submission. 
This entry alone has lowered my credit score by XXXX points. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

XX/XX/XXXX Resurgent/LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX  VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Resurgent/LVNV Funding Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Dear Resurgent/LVNV Funding, I have not received a validation response to my request for verification on the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt XXXX validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute, I owe this debt to you and that dispute should be stated in my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> at about XXXX am I went to the chase branch near my house and tried to deposit {$1000.00} all in hundreds. The atm gave me an error message, kept the cash and didnt even give me a receipt
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MA)

It has come to my attention that several accounts and inquiries were initiated without my explicit consent. In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, it is imperative that these unauthorized accounts and inquiries are promptly blocked and removed. 

Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions.