davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (IL)

I received a voicemail message on XX/XX/21, from an individual named XXXX she stated that she was with the XXXX division, she had my home address, my work address, and the make/model and vin number of my vehicle, she stated that they were attempting to deliver paperwork to me that required my signature. She stated it was very important that they speak to me. They needed me to call them back by end of business that day otherwise they would deem the addresses along with employment information and vehicle information, verified and would issue documentation without my consent. The contact number they left for me to call was XXXX and to reference document XXXX. I did not return the call, as I felt it was a scam. 

Also on XX/XX/21 my wife also received a call from the same individual stating they were were trying to get in contact with me, that they needed to deliver paperwork that required a signature. 

On XX/XX/21 the same phone number, called my mom, my in-laws, my sister in-law, and my wife 's ex-wife. Telling them to have me call them, they gave them XXXX and reference number XXXX. 

After I had received numerous phone calls about this, I called them back. I spoke with XXXX, I asked her the name of the company. She stated that it was XXXX XXXX XXXX XXXX. I asked her why them were calling, she had me verify the last 4 of my SSN, she stated that it was due to a high debt to Kay Jewelers. I explained to her that I had already paid that debt off and I had the documentation to prove it was paid off. At that time I told her to stop calling my family members, friends, and individuals I don't have relationships with. She stated that the documents were delivered to my work address, I asked what date they were delivered, she stated that she didn't know. She put me on hold, then came back and said that it was delivered to the security dept. I explained to her that we did not have a security office in the suite I worked in. She then stated that the system now is showing that the attempt to deliver to my work address status was pending. She could state why it was pending. At that point and time I told her it was a scam, that I had already paid the debt and have documentation to approve so. She stated if this was a scam how would I know your SSN, to which she read off, my work and home address, even my vehicle information. She then stated for me to fax the document over to them, she put me on hold to get the number. When she came back to the phone she stated that she was informed it needed to be mailed in, I asked for an email address to which she responded again that it had to be mailed. I asked for the address, to which she stated, " XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. I asked who am I making the letter attention to. She stated to the Compliance Dept. I told her again to stop contacting me, my family, and friends. Then I hung up the phone.
Consumer complaint received 2020-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, CAPITAL ONE BANK USA add a hard inquiriy on my credit reports per XXXX, XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NJ)

XXXX XXXX and covert outsorcing both never followed up in the mail only calls after hours and that my credit would be ruined if i dont pay a debt thats not owned by me. I told them and they said they dont care. Im new in this country I would never ruin my relationship in america. someone took advantage of me and my family. 

XXXX  rep said we cant understand your language go to school then call us. 

outsourcing rep only said we cant help you you must pay or your credit will be ruined and its on you if you get deported.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION (DE)

XX/XX/XXXX - I filed a complaint with Fulton Bank ( the XXXX, PA branch ) because I was suspicious that XXXX XXXX  ( my ex-wife and commercial lender for Fulton Bank ) had been viewing my banking accounts illegally. 

XX/XX/XXXX - Fulton employee ( XXXX XXXX, NMLS # XXXX ) at Fulton Bank ( XXXX, PA ) contacted me and stated that an official complaint was filed through his manager XXXX XXXX ( NMLS # XXXX ), to various Fulton Bank executives and Human Resources complaint department. 

XX/XX/XXXX - Fulton employee ( XXXX ) at Fulton Bank ( XXXX, PA ) informs me that corporate Fulton wanted more answers, and he identified that XXXX ( ex-wife ) had indeed viewed my personal banking accounts on at least one occasion, marking XX/XX/XXXX as the first time-stamped incident ( we had been divorced since XX/XX/XXXX, with separated bank accounts as well ). XXXX informed me that he was going to research further back to identify more time-stamped views by XXXX on my accounts. 

XX/XX/XXXX - I spoke with both the Customer Specialist ( XXXX  ) and Manager ( XXXX XXXX at the XXXX, PA Fulton Bank about progress on the complaint case, and XXXX asked further questions for their HR/Complaint personnel. 


XX/XX/XXXX - XXXX XXXX from Fulton Bank contacted me regarding my complaint, explaining to me that XXXX looking at my account was a Human Resources matter that is being looked at by HR and executives at Fulton Bank. He also explained that he would not be able to share any information with me regarding actions taken, but assured me that this will be taken seriously. He offered no resolution for their employee/my ex-wife for looking at my accounts illegally, and thanked me for my loyalty to Fulton Bank XXXX XXXX Fulton Bank phone number is XXXX. 


I do not feel that Fulton Bank is providing any answers or any resolution for me in regards to their employees invasion of privacy into my personal banking accounts. They will not provide me with any printed information about who has viewed my accounts when I ask. At best they are brushing this under the carpet with hopes it just goes away. This is bad business, and they are still employing this employee ( my ex-wife ). Nothing has been resolved.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MS)

I have repeatedly contacted XXXX  in regards to opening my account. They have told me I need to contact creditor. Creditor informed me that they are reporting monthly as account being opened. XXXX  has yet to update my Victoria Secret account as opened. They are reporting closed. I contacted them almost everyday until XXXX XXXX  reported on XX/XX/2020 but XXXX  still have it listed as closed. XXXX  hardly updates account and dont provide the correct credit score according to the scoring model.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2020 I've applied for a Chase credit card ( Amazon Rewards Visa Signature Card ). Chase made a hard inquiry on my XXXX  credit file, negatively impacting my credit score. 
After a couple of days I've received an email informing me that the new card was approved with a {$7700.00} credit line. That was expected as I already have 2 revolving accounts, always pay on time, and so I get very good scores with all the 3 credit bureaus ( typically in the 749-769 range ). 
When I've received the new credit card in my mailbox, I've logged in on the Chase web portal to activate the card, but found out that since XX/XX/2020 the account is closed. I have never used the card, and the only explanation provided by the Chase Cardmember services was the following : - not enough credit information on file. 

According to Chase this is intentional and is not a mistake on their side. Chase is apparently not willing to re-open the account. 
I've basically taken the hit on my credit score, got the approval, but was never able to use the card.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

{$630.00} THE COMPANY CLAIMS I OWE THIS MONEY BUT I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY CONSIDERING IVE NEVER LIVED IN THE AREA WHERE THIS COMPANY PROVIDES SERVICE. THEY HAVE FAILED TO RECOGNIZE AND RESPOND TO ANY OF MY MAILINGS TO THEM. I HAVE FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION AS WELL AND NOTHING HAS TRANSPIRED WITH THIS ACCOUNT.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hell and happy Saturday! I'm not sure what's going on but i noticed that this collection from PRA on behalf of XXXX XXXX is still reporting on my XXXX  report. It was deleted and then re-appear without notification. I had called, email, fax and mailed out the letters! How is it possible that it still reports on my credit report whereas i haven't received any proper notification and none has responded to my investigation? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have submitted several complaints to this company over the last few weeks through the CFPB. Since then I have not been able to access my credit to keep track of what is being reported. I have contacted them in regards to this but they are refusing to assist me. They are telling me that they cant find any of the documents that I uploaded to them through there online portal as well as the documents that I sent through the CFPB. I just uploaded the proper documentation on XX/XX/2024 for a dispute which they still have in investigation. This company continues to violate my rights over and over
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (IL)

While attempting to purchase lunch on XX/XX/2020, my card was declined several times. After making a call to my bank, I was told that my identity needed to be verified. No prior contact by phone or mail was done about this matter. I have been with them for over a year with no issues. I was told by a supervisor that I needed to submit my ID and current bill, which was done immediately, and that the hold on my account would be lifted in 1-2 business days. Now as of today XX/XX/2020 I am being told that it will take up to 10 business days. I have no money because this is my only account, how can I continue to survive like this? Please help
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Experian, RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there  should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (ME)

Not sure if anything before this is right. I got a XXXX  preferred card from citi with an offer to transfer an interest loan to a no interest card for 20 months i knew doing this would lower my credit scores but it would bounce back in a couple months. That is when things went wrong I did the transfer in XX/XX/2020 and in XX/XX/XXXX they seen my score dropped so they lowered my limits on my double cash card from XXXX to XXXX causing that card to be maxed out then in XXXX they lowered my XXXX card from XXXX to XXXX so that was maxed out as well driven my score way down i have no missed or late payments on any of my accounts and did this transfer to free up more funds to pay them down faster now I pay more than what they ask almost 3 times the amount to make sure it's paid before the twenty months is up i have called them 3 to 4 times this month and can not get them to stop lowering my limits or to put my limits back to where they were. by them lower my limits I have lost about 40 points on my credit score.
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (AE)

I requested an international wire transfer from Chase on XX/XX/XXXX. The wire was a routine wire that I normally due every two weeks. The purpose of the wire is to pay for my apartment rent, utilities in  XXXX. I currently live in XXXX under Permanent Change of Duty Station ( PCS ) for the Department of Defense. I will be in XXXX for three years, and then I will be coming back to my position in XXXX XXXX California. The government gives me housing allowance every two weeks to pay for costs. This money is sent to my XXXX XXXX XXXX XXXX as a direct deposit. What I normally due is that I transfer most of my money to my primary bank Chase to pay for my bills back home and transfer money to my XXXX account. I only use my XXXX XXXX to pay my car loan and to pay for groceries at the XXXX base. On XX/XX/XXXX, I received an e-mail that my wire was going to be delayed which I had no problem. I thought it was going to take 1 to 2 days so it was not a big deal at first. On XX/XX/XXXX, my wire still was not process. I called Chase long distance to check on the status, but the customer rep who assist me was not sure why my wire was delayed. Plus, she said the wire department was not taking calls at the moment. On XX/XX/XXXX, I called again getting the same answer. On XX/XX/XXXX, Chase customer service said that the wire was still not process. I asked to speak to a manger since the wire department was not able to take calls. To make the story short, the customer service center kept transferred me to different department. I had to re-explained my issue couple times to different representatives. I never got the chance to speak to a supervisor nor the wire department. At one point one department rep said that the wire department had sent me a secured message through Chase.com. I looked in my account and there was no message. I was on the phone for 1 hour 20 minutes  and I was given the round around. I was frustrated because with my wire not being transferred to my XXXX account. I had utilities bills that I needed to pay on XX/XX/XXXX. Luckly, I have a savings account with XXXX XXXX and was able to cover the expense, but I had to pay fees to pull the money from an ATM. Plus the long distance call is going to cost me money. On Saturday XX/XX/XXXX, I received a notification through Chase.com the wire department was going to contact me this week. It is XX/XX/XXXX in XXXX XXXX and I still have not receive a call or a resolution from Chase. I understand that we are in a pandemic, but Chase is a big corporation and should be able to adapt to change and find a way to find resolution to my wire.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

We refinanced our home with a new mortgage on XX/XX/2020. As part of that process we paid off our existing mortgage with Nationstar Mortgage LLC dba Mr. Cooper ( Mr. Cooper ). Mr. Cooper charged a {$30.00} " Quote Fee '' and a {$20.00} " Expedited Delivery Fee. '' I called Mr. Cooper to complain about these fees because the {$50.00} in fees is for simply pressing a few buttons on Mr. Cooper 's computer system and sending an email with a .pdf of the pay off report to the title company. To the best of my knowledge, we never signed a document agreeing to paying Mr. Cooper these two fees.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc. (CA)

I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened. The colection agency continues to add interest to the fraudulent debt.