davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CO)

I received a call from a person with poor english skills stating she was from Chase Bank about a credit card opened in my name, last XXXX numbers XXXX. This person called from XXXX XXXX. She said someone in North Carolina opened a Chase VISA in my name. She said my credit reports were in the public domain online. She then claimed to transfer me to CFPB. 
When transferred I talked to a person that identified himself as XXXX XXXX. He also spoke poor english. I directly asked, and he confirmed that he is an employee of the United States Government. He said my credit reports are available publicly He said I was being overcharged higher than legal interest rates on my credit cards based on a law from COVID relief. I asked for the specific law, but he could not tell me. He wanted credit card numbers and other information. He is supposed to call me back. 

I think this is a scam. Is this real/legitimate?
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/year> I received an email that my American Express card was on the way. However I never requested this, and seeing as there has been fraudulent credit cards being opened in my name, I think this is also fraudulent. I received emails prior to this stating that my card was being processed as well.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I Co-signed for My brother a XXXXXXXX XXXX XXXX in XXXX thru credit acceptance corporation. In XXXX he got in trouble with the car and the car was impounded by police. The car was on police hold and could not be retrieved by myself. From XXXX until this very month CAC Has been reporting to the credit bureaus a late payment every single month. I contacted them on multiple occasions to ask why are they doing this and they stated that they dont sell there accounts to debt XXXX. In XXXX the car was sold to a new owner. If the car was sold CAC should not be reporting it as a late payment to my credit report. This completely violate my rights. The vechicle has since been sold twice. Under no circumstances should the account be reported as late payment every month.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENOVA INTERNATIONAL, INC. (TN)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TN)

This account is invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

CITICARDS CBNA XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (PA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2024 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my XXXX XXXX. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( XXXX ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (TN)

This account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2023-07-29
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: Experian Information Solutions Inc. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear Portfolio Recovery Associates Manager, I am reaching out to formally dispute the debt you have reported associated with accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I believe this account is fraudulent, as I have no relationship or prior contractual agreements with these institutions. 

In compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation and proof of your authority to report and collect this debt. To resolve this matter, please provide : Proof of Authorization under 15 USC 1692e and 1692f, substantiating your right to collect this debt.

Legal Basis for Collection, detailing the foundation of your authority over this account.

Proof of Authorization to Operate in [ Your State ], confirming jurisdiction and compliance with local regulations.

Evidence of the Alleged Debt, including any agreements or contracts that bear my signature.

A Full Account History, detailing all charges, fees, and any payments associated with this account.

Per FDCPA 1692d, 1692e, 1692g ( b ), and 1692f, reporting this account as mine without the aforementioned proofs infringes on my rights. In light of these provisions, I demand the immediate deletion of this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) if you can not provide this validation. 
I am eager to resolve this matter amicably and expect that in good faith, you will comply with the law by providing the above documentation. Should you fail to provide proper evidence of this debt, I request you delete all reports related to this account from my credit profile. Thank you for your prompt attention to this serious matter. I expect a response within 30 days to avoid any further actions.
Consumer complaint received 2024-09-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I started the application process in early XXXX needing the money by mid-XXXX. I was told that there would be enough time. I submitted everything through the first Bank of America representative I spoke to. Soon after I was contacted by another person ( XXXX XXXX ) and provided more needed information. On XX/XX/XXXX I recieved a voicemail saying she had received everything and nothing else was needed at that time. I still have this voicemail. After not hearing from Bank of America for a couple weeks I started calling and leaving messages but no one contacted me. Toward the end of XXXX I tried calling a different number and finally spoke to someone. I was told my application was cancelled due to missing information. I spoke to several people and they all admitted that the loan processor had dropped the ball. They had to start the process completely over. My loan was to be used for college tuition for my daughter. Since the 30 day delay happened my loan was not closed in time and I had to use a credit card to pay. The college charges a 3 % fee for using a credit card and I believe that due to Bank of Americas lack of diligence processing my application I should be reimbursed for this. I spoke to the manager named XXXX and he said he was sorry, but Bank of America is not able to reimburse any fees caused because of their actions. I feel very strongly that I was financially damaged by their actions and want this remedied. I am not asking for any additional compensation at this point, just the reimbursement for the fees. Total was {$720.00}. If this has to go to a court I plan on hiring a lawyer, adding those legal fees, and asking for punitive damages.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disappointed by how my complaint has turned out, as your response was not enough to justify the inaccuracies being reported on my accounts. My credit scores have not progressed and this is because these accounts are not being removed- which I have requested for you to do so.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TX)

My loan was recently transferred to Shellpoint Mortgage ( NewRez LLC ). The company website has been incredibly confusing and unhelpful, making it nearly impossible to see how much is owed, and how much has been paid. It is also impossible to make one-time payments for less than the full amount due without calling the help-line. 

I also tried setting up bi-weekly payments, but these continually get cancelled. When my loan was transferred, I was notified that no changes would be required and all my previous pay settings would be applied, but this was not the case, and I have risked late fees because Shellpoint has been unable to set up payments for every XXXX and XXXX of the month.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (TX)

I asked for debt validation. They did not validate the debt by saying they made unsuccessful attempts to reach me by mail. Where is the document proving I owe the debt. Where is the original contract lease along with itemized bill for the usurping of fees they are charging me. If they cant provide debt validation please promptly remove from my credit report. If anyone goes against what is lawfully required then further legal action including monetary damages will be pursued.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (AR)

On XX/XX/year> they move transactions around to cause you to over draft. There are XXXX of customers complaining of missing money. They charge you for the same transaction multiple times. Today it cost me XXXX dollars. Something is going on at Regions nation wide. I have heard many complaints from other people for the same thing.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VI)

A few years ago I was a victim of identity theft and a fraud alert was placed on my consumer report. Someone I know told me that they came in contact with someone that created a Data Furnisher agency and was able to purchase over XXXX credit files which includes people personal information that they will use for identity fraud. I believe that there is a law that speaks on any unauthorized use of your personal information by any one which includes data furnishers, without your written consent is constitutes as Identity Thef. On XX/XX/2024 correspondence was sent to these companies as it relates to them not furnishing, selling or sharing any information that they obtain on me with no Banks, Credit Unions, Lending Institutions or other Data Furnishers without my written consent. I was not satisfied with the non-response from these companies.
Consumer complaint received 2024-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I have been trying since XX/XX/year> to CHANGE MY DUE DATE. I can NOT survive with the payments being due at the end of the month. I have written once, they told me to call. I called they told me it was processed and it would take 3 months. I waited 3 months it did not work. I called back and spoke to multiple supervisors who confirmed it was not done properly when I called the first time. They assured me it was newly processed and it would take another 3 months. They did not do it. I filed a complaint with you guys and Mohela 's response is they are working on it. I'm sorry but NOT THEY ARE NOT. Excuse my language but I'm about to XXXX snap. I have over an 800 credit score and do not mind making the payments but if this dog XXXX scam company is going to continue to XXXX me I will tank my credit and these XXXX can come after me through the legal system. I have NEVER in my life had a problem changing my payment due date, with any company, ever in my life. I am unsure if you guys are running defense for them and allowing this to take place but I would REALLY appreciate it if someone can take some XXXX responsibility and CHANGE MY XXXX DUE DATE. XXXX XXXX, I'm not asking to move a mountain, just simply CHANGE MY DUE DATE. What in the XXXX do I need to do, I'm getting to a point where I am about to XXXX snap.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

milestone bank deactivated my bank app for over 1month and would not open it when I asked their manager and agent why they lied that I have attorney representative which they can not tell me the name or office of the attorney even the reason the attorney is tied to my account and until I say I do not have an attorney before the allow me use bank app. I can not pay my bill via the app or see what is happening in my account unless I call and the explain verbally or pay through an agent of the milestone. 
They wrote a letter to me that the had reversed a claim I filled but it does not reflect In my account balance and they would not allow me access to see the reversal on the account. 
Twice I filled for dispute with merchants I had transaction with they cancelled my card without my request or consent to be shipped in 2weeks time.
Consumer complaint received 2024-08-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FULTON FINANCIAL CORPORATION (PA)

My vehicle was repossessed due to a default in the auto loan with Fulton Bank since XX/XX/XXXX. There has been numerous communications with the lender on options of getting caught up on the loan. The reason for default was due to an unexpected loss of employment since XX/XX/XXXX. Once I gained employment on XX/XX/XXXX, I stuck to my good faith communication of making a payment on my first pay check at XX/XX/XXXX, in which I did for the amount of {$750.00} which should have resolved the payment from XX/XX/XXXX in the amount of {$40.00} and the XX/XX/XXXX loan amount of {$640.00}. The vehicle was repossessed 6 days later. When I called the lender to inquire on the details of getting the vehicle back into my possession, the authorized representative had advised that the entire balance of the loan ( pay off amount ) needed to be paid, in addition to the repossession fees. I was told that I may be a liability of a future repossession and that was something the bank did not want to deal with. I was also told that I have been late on my loan since XXXX, in which I had disagreed because the loan payments has always been an ACH from my banking account. When I refused to accept their terms, they immediately set the vehicle up for an auction without giving another option or another look into my disputed claims. Furthermore, the towing company that was used to reposses the vehicle is in another state from which I live and I can not retrieve my personal belongings due to the distance and the office hours of the towing company.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY (TN)

I am filing this complaint on behalf of myself, XXXX XXXX regarding a charge-off account with American Express XXXX account number XXXX. The company has inaccurately reported this charge-off on the credit report, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) by failing to ensure accurate and complete information. Despite disputing this charge-off, American Express has continued to report incorrect details without conducting a reasonable investigation, as mandated by law. 

Additionally, American Express has violated the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) by using misleading representations in connection with this charge-off. They have also failed to properly verify the debt as required under 15 U.S. Code 1692g ( b ). 

I am requesting the immediate deletion of this charge-off account from XXXX XXXX XXXX XXXX MY ) credit report.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NJ)

This account is coming up as a active account on my credit report and is tarnishing my credit with inaccurate amount and showing open repo account. I have called sent in letter talk to credit bureurs submitted written document showing this account was paid in full. This company is harassing me and putting that I missed payments on this account which I do not have this account. I would like this account removed from my credit file.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery associates and their affiliates continue to contact my employers to garnish my wages. They have garnished my wages from two seperate employers. We went to court in 2018 regarding this matter and I filed a claim of exemption which was granted in my favor. They are back again garnishing my wages and embarrassing me by contacting my current employer as well as taking money from me which I do not have to spare and preventing me from being able to pay my living expenses. I would like them to cease and desist. At this point I feel harassed by this collection agency.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Creditors Bureau Associates (GA)

Credit bureau Associates has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. CBA has also violated HIPPA law in the obtaining and sharing of my personal medical information. This constitutes in immediate removal of this alleged debt.