davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

MY PERSONAL INFORMATION. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-09-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MI)

Received a {$200.00} prepaid XXXX XXXX XXXX XXXX as a gift a few years ago and have never been able to use it in-store and online. The card is declined each time, yet the balance at " www.prepaidgiftbalance.com '' still shows the full amount is available. 

Calling the customer service number on the back of the card does not provide any opportunity to speak to someone and address this problem. The troubleshooting link on the company 's website does not allow me to proceed after entering the card information, and instead displays an error message that they could not process my request at this time.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my business accounts unilaterally, these accounts contained nearly {$XXXX} belonging to me and my employees and my clients. They claim to have sent a closure notice months ago to an old address I had changed. Regardless, they " restricted '' the account over XXXX weeks ago and closed the account over a week ago and they have still not given me tracking information for my checks. XXXX weeks to close an account is insane how am I supposed to pay my bills and my vendors and my employees?
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

A charge of XXXX was placed against my card for XXXX XXXX dress. I had to guy a gift card given the value of the dress exceed XXXX However the item was damaged and returned to XXXX XXXX. The company said it would go back on my Visa ( the XXXX ) and it didnt. 
I tried to file a dispute with US Bank over this with documentation, but they ignored it as they couldnt be bothered with my dispute. Bottom line is they know the item was returned and that I am owed XXXX. They just fdont work for the best interests of their customers. 
I want my XXXX back now.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MI)

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc. (TX)

MONTGOMERY WARDXXXX XXXX SWISS COLONY IS REPRTING AS A CHARGE OFF WRITTEN OFF AND I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS I HAVE TRIED TO RESOLVE THIS NOTHING HAS HAPPEN THE CHARGE OFF AMOUNT IS XXXX WRIITEN OFF XXXX PAST DUE CLOSED.
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SANDY SPRING BANCORP, INC. (MD)

Original mortgage ( XX/XX/year> ) from Sandy Spring Bank which was sold/transferred to be managed by XXXX XXXX  XXXX XXXX XX/XX/year>. The potential issue is 1 ) Sandy Spring Bank did not properly forward and document my payment to XXXX XXXX  during the transfer or 2 ) XXXX  did not properly process the forwarded payment from Sandy Spring. 

I made an initial payment to Sandy Spring Bank of {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by Sandy Spring on XX/XX/year>. 

Sandy Spring transferred funds to XXXX XXXX  XXXX. XXXX XXXX  XXXX only processed my {$5600.00} payment but not my {$20000.00} towards my principal balance. As of XX/XX/year> they still have not located my {$20000.00} payment which was transferred over from Sandy Spring which is over 70 days or over 100 days from when my payment was cashed from Sandy Spring. 

I have called XXXX several times and have a ticket with them outstanding and provided all the details to help locate my missing funds. I have also attempted to call Sandy Spring Bank to get information and confirm that the funds were forwarded over. 

XXXX has also recently sold my mortgage to chase bank as of XX/XX/year> and since the funds have not been located it was not transferred over to my new servicer. 

This is impacting my ability to refinance at lower rates and impacting us negatively financially.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (GA)

Someone falsely opened an Avant credit card account in my name. They haven't yet deleted the account from my credit record despite my repeated requests for them to do so. After doing some research, I've discovered that the card was mailed to an address that is not mine. This is not the owner of this address. I want this account deleted since I am not accountable for it, even though I reported identity theft with details. I haven't received a response to my report.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (TX)

XXXX and Sagestream are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX any other information is incorrect. You have an obligation to report account information.
Consumer complaint received 2024-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Collection agency : Midland Credit XXXX Account # : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Account being reported as open Amount : {$750.00} I never had a contract with this debt collector for any debt. They could not provide me with a debt validation contract. Please provide proof that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery has called me more times than I can count. Initially, I had spoken to a representative and let them know that I was and am currently unemployed, so even if the debt they were attempting to collect was valid, I have no means of repaying at this time. I informed their representative that I have never entered into an account with them and requested that they not contact me further. However, the agency named continued to show on my caller ID. Sometimes multiple times in a day, sometimes multiple days in a row. The calls come early in the morning, late in the evening, on weekends. It's been near constant and has actually prevented me from being able to complete viable job applications on my mobile browser, interrupt XXXX  interviews, and disrupted timed tests and quizzes connected to upskilling trainings I was in the middle of taking. I have tried blocking the calls, however they seem to have an unlimited supply of spoofed phone numbers as I've blocked at least twenty separate phone numbers and they continue to call from more. This harassment is XXXX XXXX XXXXXXXX, and therefore impacting my XXXX  and further limiting my ability to look for gainful employment.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Once XXXX began I was unable to make the payments on the loan and I made multiple attempts to contact XXXX XXXX but they never allowed me to speak with an employee who was authorized to assist with refinancing or selling my share of the time share back to them. I repeatedly plead with the voicemail to have someone contact me. 

I was unable to get the issue resolved and had to change bank accounts to get them to stop taking the funds that I had to have during covid to support my family. 

I believe that this loan should have not been foreclosed on and the fact that it was improperly done should not be allowed to be reflected on my credit report
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you!
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (NY)

I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided. 

Discover Bank, the account has been closed since XX/XX/XXXX, payments were incorrect from late XXXX  until XXXX, they reopened my account without my consent, updating the payments which were not showing correct days late. Was 3 consecutive 90 days late, in a row. Remarked the account, and kept it opened impacting my score even worse.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing to file a complaint against Portfolio Recovery, for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

Portfolio Recovery, has violated my rights as a consumer by : * Failing to Provide Validation Information : The agency has placed a collection on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to verify the accuracy of the debt and dispute it if necessary. 

* Denying Me the Opportunity to Dispute : The agency has not given me a chance to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to dispute the debt is a clear violation of the FDCPA. 

* Engaging in False, Misleading, and Deceptive Practices : The agency has used false, misleading, and deceptive means in their collection efforts. This behavior is prohibited by the FDCPA. 

* Furnishing Information to Consumer Reporting Agencies Without Required Disclosures : The agency has furnished information about the account to consumer reporting agencies without providing the necessary disclosures required by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This action is a clear violation of the FDCPA and the Fair Credit Reporting Act.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

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.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (VA)

A scammer contacted me on XX/XX/XXXX impersonating XXXX associate. XXXX indication there was an issue with my bank account at bank XXXX XXXX for a person from TD Bank trying to get my funds. 
Scammer used TD bank account for a wire transfer of {$XXXX} that occurred on this date XX/XX/XXXX. I spoke with BOA customer service on XX/XX/XXXX and found the caller was not from XXXX and that it was a scammer. I contacted TD Bank customer service XXXX on XX/XX/XXXX at XXXX and associate spoken to saw the {$XXXX} wire transaction. On XX/XX/XXXX, I went to the TD branch located at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX around noon and spoke with the bank XXXX who was able to look at the system to see the transaction who said he was reporting that I was asking for funds to be returned. I filed complaints on XXXX and they informed me they have asked for the funds twice from TD Bank with no response as of XXXX. I would like TD bank to be investigated since they were informed of the fraud immediately and did nothing to retrieve my funds.
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TX)

I, XXXX XXXX, am filing this complaint against Spring Oak Capital regarding a debt that appears on my credit report. I dispute the legitimacy and accuracy of this debt, and I believe Spring Oak Capital is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that this debt be removed from my credit report immediately for the following reasons : 1. Violation of FDCPA ( 15 U.S. Code 1692g ) Failure to Provide Validation of Debt : Spring Oak Capital has failed to provide me with proper validation of the alleged debt. Under FDCPA, I have the right to request and receive validation, including detailed information about the origin, validity, and amount of the debt. Despite my request, Spring Oak Capital has not provided this information, and they continue to

report this debt on my credit report. 2. Violation of FCRA ( 15 U.S. Code 1681s-2 ) Inaccurate Reporting : Spring Oak Capital is reporting inaccurate information on my credit report in violation of the FCRA. Since the debt has not been validated and I dispute its legitimacy, this inaccurate reporting is harmful and should be corrected immediately. The FCRA mandates that furnishers of information, such as debt collectors, ensure that all information provided to credit reporting agencies is accurate and complete. Failing to verify the debt before reporting it is a clear violation. 
3. Right to Dispute under the FCRA : I have submitted formal disputes to the credit reporting agencies regarding this debt, yet Spring Oak Capital continues to furnish the disputed information without properly investigating the dispute, as required under the FCRA. This failure to conduct a reasonable investigation violates my rights under 15 U.S.C. 1681i ( a ).
Consumer complaint received 2023-07-03
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: JPMORGAN CHASE & CO. (IL)

I received United Explorer Card application invitation with XXXX bonus miles with XXXX intro annual fee ( see attached mailer to me with my name and address included ). After that, I logged in to my Chase account, and see a pre-approved United Explorer Card, so I applied it. I then realized that I was tricked by Chase, because the pre-approved United Explorer Card offer presented to me was only XXXX bonus miles with XXXX intro annual fee. Effectively I lost XXXX bonus miles from the original paper application invitation offer. 

The only reason I considered the pre-approved offer via Chase account was because I thought it was the same as what I received in the mail, but it was in fact XXXX bonus point less. 

I have received the XXXX points from Chase, I am filing this complaint on the confusing marketing efforts and shows different offers across different channels, which eventually led to unfavorable treatment to me ( as a consumer ). Therefore, I would like to request Chase to grant me the additional XXXX bonus points to make sure that i can receive XXXX points in total which matches the original mailer piece.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, it negatevely affects my credit score, so i am writing to dispute inquiries on my credit report : 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 XXXXXX/XX/XXXX these inquiries are not related to any transactions I have made!! This indicates potential identity theft. After a thorough review, I believe that there has been a misunderstanding or error concerning this matter
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] reported on XX/XX/XXXX and then it says i opened this account XX/XX/XXXX XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and XXXX  days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ Portfolio Recovery  ] [ XXXX ] reported activity XX/XX/XXXX and then it says collections every month XXXX : [ Portfolio Recovery ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is closed and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and XXXX  days every month
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (NM)

Keep getting recorded messages about collectors a debt but would not say what kind of debt I have attached a recording transcript also I'm requesting that they validate the debt also must provide proof that I signed a contract with them. At this time im requesting by law that they cease and dests all calls and contact no letter was sent I'm assuming it's a scam at this point but by law they must provide proof and validation and that I signed the original contract with that company