davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX and XX/XX/XXXX I received email from a Credit monitoring service that " there was a change in my credit history. '' When I investigated, I discovered a Chase Freedom credit card was opened in my name. I contacted the issuing bank, JP Morgan Chase Bank, at which time they shut down the card. I do have 2 other Chase credit cards, ( XXXX and XXXX XXXX ) that are " active ' and in use. I then contacted XXXX XXXX ( we have free credit monitoring from a data breach ) and they opened a case. I then " froze '' my credit file with XXXX, XXXX, and XXXX XXXX and also put on a Fraud alert. I was called XX/XX/XXXX by a representative form XXXX XXXX who I gave appropriate information after which they Closed the case. XXXX CASE # XXXX Closure : Your Identity Theft Case with XXXX.
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

The collection agency " Professional Bureau of Collections of Maryland '' have been reporting a collection account on my credit file since XX/XX/19. I requested validation of date on XX/XX/19 via certified mail and sent a 2nd validation request on XX/XX/19. I also spoke to a representative on XX/XX/19 at XXXX who verified receipt of the validation request and stated " the request has been sent to the original creditor, we are awaiting the documents ''. During this phone conversation the company also attempted to negotiate a settlement amount which was refused by me as I want to validate the debt first. It is now XX/XX/19 ( two months ) since I requested validation of this account and have yet to receive anything. In both letters my mailing address, email address, and phone number was provided to the company so there is no reason as to why I have yet to receive a response.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

New mortgage with XXXX which was sold to shellpoint mortgage company. With all of the sudden change and confusion I had sent out post dated checks from XXXX. Upon no response as to checks received when I asked on the XXXX of XXXX I issued another set of checks for the monthly payments. I informed shellpoint that I stopped payments on checks XXXX to XXXX and replaced by checks XXXX. I asked them to destroy or return the checks upon receipt and keep the new checks. Shellpoint refuse to destroy the checks but submit them both monthly. I told them I can not afford XXXX sets of checks to be cashed monthly as payment on my account. Shellpoint is charging me NSF payments and late charges to my account for every month although they are receiving the monthly payments from my account monthly. I was told that I have until the XXXX of the month to make monthly payments. The checks they have on file are dated the XXXX of each month. 
I was told over and over after numerous phone calls and also after lodging a complaint that it is my error and the fees will stand. I find it very misleading by shellpoint for charging me all these fees and also telling me my account is in good standing. I asked if I could do auto debit from my account or pay over the telephone effective now for future. I was told the checks will still be deposited and I will be charge. Checks for XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX which they should return to me or destroyed ; instead they are depositing them and they were notified well in advance that they were stopped. A total of XXXX checks I am getting charged nsf fees and late payments for each month. They were notified immediately in XXXX. When I initiated the calls each time I was told they did not have my file from XXXX. I got scared and cancelled the checks and contacted my lawyer that did the mortgage because I did not know where they went. I only cancelled the first set of checks because I was instructed to do that by my mortgage broker and the mortgage lawyer. I would like shellpoint to destroy the checks or return them with confirmation and remove the late and nsf fees they are charging me unnecessarily which will run until XXXX XXXX.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Disputed several times as there are many violations with this account : account XXXX XXXX with Experian and XXXX Experian : account XXXX XXXX XXXX : account resolution and collection bureau of {$180.00} These companies have failed so show some type of signature or contract that I have alleged debt with THEM! This is also a violation of my XXXX rights. I have not signed a XXXX XXXX form with the alleged creditors. Therefore, these are inaccurate and XXXX violations and need to immediately be deleted. XXXX laws protect my personal information from being used without my consent. 

Also, these accounts are in violation of the NO SUPRISE ACT! 

Also, these alleged collection accounts are not open accounts and therefore are inaccurate
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My elderly father was a victim of fraud and financial manipulation by a timeshare company in XXXX. He lost {$150000.00} by sending a XXXX separate wires to XXXX believing he was selling his timeshare. He subsequently took a trip to XXXX and was told by the timeshare company that if he upgraded his timeshare for {$50000.00}, that he could sell it within three years for {>= $1,000,000}. He used XXXX credit cards ( XXXX and XXXX XXXX ) for a down payment of {$24000.00}. Once this was discovered, we put a halt to the payment. The credit card companies are demanding payment. I have claimed fraud and financial manipulation of an XXXX person, which is against the law in our state, but it does n't seem to matter. The credit card company is supporting the fraud and manipulation. We do n't know where to go for help. There does not seem to be any resource that helps XXXX victims of fraud. ANY direction that you could point us to would be very helpful. As his son, I have my fathers POA and can act on his behalf.
Consumer complaint received 2017-09-13
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: Fidelity National Information Services, Inc. (FNIS) (NY)

ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint. 

Company will respond back asking for my social security number but cfpb advised against putting down my social security number. Inaccurate info with Chex systems. Scam organization
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Equifax did not properly secure my protected personal identifiable information from intrusion. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by what I saw in news reports, which in turn link to a third-party website asking for social security numbers plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-09-14
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. (CA)

On the morning XX/XX/2017 Chase closed all my credit card accounts. I found out when I tried to make a purchase at a store when 2 of my Chase cards did n't work. When I called chase to find out what happen the CSR stated that my all may accounts were closed and there is nothing I can do to have them reopened. I asked to speak to a supervisor and was told I could n't because the decision was final! I then ask " Could you just tell me why my accounts were closed? '' the CSR said that I had too many inquiries. I stated that I had only applied for a chase card recently. The CSR stated once again that their decision is finial and my accounts will not be opened again.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my 11th 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, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2016-04-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation (CA)

Received calls trying to contact me regarding debt that I have been paying with XXXX XXXX. They called my work and harassed our operators. That 's not against the law. what is against the law is that they found my ex husband, called him on his cell phone and talked to him about my debt. I have been divorced for almost 5 years, and my ex husband had nothing to do with my debt. This is a clear violation of the law. Not only do they have the wrong amount listed for the debt, they are contacting and discussing my debt with third parties. Please send me a letter to validate the debt so that I may dispute it and send all copies of cancelled checks for the original credit collection agency I have been working with.
Consumer complaint received 2024-08-30
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. (MI)

This account was open fraudulent to get mobile services without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove this account from my credit report.
Consumer complaint received 2015-04-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Claims Bureau, Inc. (NY)

I went to the emergency room XXXX XXXX XXXX XXXX XXXX in XXXX, NY on XXXX/XXXX/14. I keep getting notices and phone calls from a company called XXXX XXXX XXXX, XXXX telling me to pay a bill for {$400.00}. My explanation of benefits from XXXX XXXX shows member responsibility as {$0.00}. I sent the EOB to them XXXX and it has had not effect. They have now referred me to a collection agency called Professional Claims Bureau , Inc . I have attached all relevant documents. Please help.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RGS Financial, Inc. (CA)

This account does not belong to me. I have no knowledge of it. I have submitted complaints the last time they tried to collect it two years ago and it was deleted from my credit report. I have an ongoing ID theft issue with plenty of reports including local police departments in the FTC. this collection companies repurchasing old debt resold to them by other collection agencies
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (MI)

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX XXXX  COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I keep getting harassing statement 's in the mail, from XXXX, and Capitol One card 's. They wo n't quit harassing me. I want them to quit harassing me. I wrote them decease and dessist letter 's and told them which chapter 's I am filing and talked to a XXXX XXXX, he is a lawyer. He said they can not touch my financial money I get from the Government. Now I am going to get a free consultation from a XXXX XXXX up in XXXX, but have to call him tommorow. I am going to see what my right 's are and try to file bankruptcy. If you could please get these people off of my back I would appreciate it. I am sending you a letter and some info about their companies! Please call them and tell them to quit sending me statement, that I only get {$10000.00} a year approximately. I can not afford to pay them, they should have known better than to give a Mental Patient money. Especially when I told them i get SSI, and, XXXX, and Housing and urban development, and food stamps. I am poor and can not afford to pay them back. I am pleading bankruptcy, and seeing a lawyer about it. I have to see a XXXX. Please tell them to quit sending me statements and tell them to quit harassing me. Thank You! XXXX XXXX.
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC is continually placing a collection, as well as a closed account listing on all of my credit reports for the amount of {$480.00}. I do not know who or what this company is. I have tried contacting them multiple times requesting a full validation of debt and nothing has been done nor have I received a response.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Io, Inc. (FL)

This is a formal complaint against Receivables Management Systems. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival & ready for pickup via USPS certified mail.
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX I have scheduled ACH from my Checking account at NAVY FEDERAL CREDIT UNION to pay my XXXX XXXX Credit Card in the amount of {$400.00} using Navy Federal online bill pay center. 
I have left only {$200.00} in my account DELIBERATELY to see what will happen with this transaction while there are insufficient funds in the account. I did that as a test before I switch everything ( checking and automatic bill payments ) from XXXX XXXX XXXX to Navy Federal. 

Navy processed the transaction on XX/XX/XXXX and on their bill pay online system it was showing delivered and there was a confirmation number. Day later I found out that it was not processed and I was charged with insufficient funds fee, {$29.00}. It was still showing delivered with confirmation number. 

Nothing in their online system indicated that this transaction did not process or that it was rescheduled. 

On XX/XX/XXXX ( week later ) I found out that it was processed AGAIN WITHOUT MY KNOWLEDGE OR CONSENT! This time there was more than sufficient money in the account. 

This is where things escalated : While speaking to Navy Federal Credit Union customer service representative, after insisting to know why the transaction rescheduled and processed without ANY INDICATION THAT IT WILL, representative informed me that they have a THIRD PARTY COMPANY THAT DOES THEIR ONLINE BILL PAY SYSTEM FOR THEM and Navy Federal has nothing to do with online bill pay system. 

Nothing on the online system shows, warns or indicates that I was leaving Navy Federal website and that I was redirected to third party site. It is all still ( at least it appears ) on Navy Federal official online banking website. Please refer to attached screenshots. 

What is the name of that bill pay processing company? 
What is their address? Website? 
Should I be warned that some other company other than Navy Federal is processing the payments I make trough Navy Federal portal? 
Should I not get " you are being redirected to another site '' warning? 

I believe Navy Federal online bill pay system is misleading and I have chosen to trust THEM with my finances, NOT some third party company. 

Please investigate, Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cell : XXXX