davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (VA)

I was - {$300.00} for about a week because I over drafted my account and then got charged late fees that are {$34.00} dollars each but I needed to overdraft because my mom lost her job and she has XXXX of my siblings living with them so I couldnt let them go hungry. I have been banking with Chase Bank since I got home from the military about a year ago they did not contact me at all and I was supposed to get paid this past XXXX XXXXXX/XX/year> but when I checked my account my paycheck never came through I contacted my job and they said they sent my check to Chase already and Chase already excepted it so I called Chase and asked him what the problem was because like I said before nobody contacted me that I was getting my account closed down when somebody on the phone, they told me that a decision has been made and my Chase account will be closing down and the best they can do is send me a paper check in the mail in 15 days I dont know what Im supposed to do because my mom was really hoping on me to get my check on the correct date, but I did not because Chase deleted my account. I still have to pay my own rent my own car payment my phone bill and somehow I have to figure out how to give my mom money, but I have to wait 15 days to pay my personal needs
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-25
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: DIGITAL FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX  Inquiry : XX/XX/2024 + Auto Financing ( XXXX ) XXXX XXXX XXXX VIA DEALER Inquiry : XX/XX/2024 + Auto Financing STELLANTIS FINANCIAL Inquiry : XX/XX/2024 + Auto Financing ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XX/XX/2024 + Auto Financing ( XXXX ) XXXX XXXX XXXX REAL EST Inquiry : XX/XX/2024 + Automobile Dealers, New ( XXXX ) XXXX CAPITAL XXXX BANK XXXX XXXX : XXXX. XXXX, 2024 + All Banks XXXX XXXX CRED Inquiry : XXXX. XXXX, 2024
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NY)

Velocity Investments , LLC is a debt collector who has failed to verify the debt. In addition the item remains on my credit report as a chargeback from XXXX XXXX. I have never received a 1099C. The company has written off the debt and therefore the amount owed should show XXXX.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I sent a letter to the collection company of debt validation in XXXX of XXXX I recieve a letter back stating it was my account I have nq knowledge of these collections and I cant recieve no written contract if the the debt was mine I would have paid I have no knowledge of these fraudulent accounts which is impacting my credit.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have had the issue with XXXX XXXX XXXX XXXX before. I had previous with XXXX  that were old and should've been removed from my account but they are showing the information missing/no data for these months to keep the item on your credit report longer than it should be. This account first went delinquent on XX/XX/XXXX, they continuously move the credit date to keep this item on your credit report longer than it should be. This is the XXXX account that XXXX has did this and it should be an investigation into this. They know that you can only view 7 years of your credit report and they use that to their advantage. When I'm viewing the history I only see XXXX. The year XXXX is not viewable and there's dashes through most of XXXX. Also, XXXX is when it was charged-off, which it had to go delinquent prior to XXXX before it was charged-off. It take months of delinquent reporting before it is charged off. I need them to remove this from all of the credit reporting agencies and I want this looked into for a class action lawsuit. I am stage XXXX XXXX and have been disputing this for months and they knew the entire time that this wrong. They did this before with XXXX other accounts I have with them and I don't think that this is a practice where I was singled out. This is what they are doing and it should be illegal. I will also escalate this with my Attorney General 's office as well.
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FIRSTPOINT COLL RESOURCES XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/2024 XX/XX/2024 XXXX XXXX XXXX Dear collection agent, I received a bill from you on XX/XX/2024 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I was offered a promotional balance with care credit and payed in XXXX separate transactions and both confirmed over the phone that it was processed and there was enough money on the account. Later I was told it was declined although it is processed with my card company and I was also charged a late fee as well in which I was not late I made enough payments on time and it seems like these promotional balances that they are offering may be a way of doing activities such as this to make it look like it was not processed or they reject it to make more charges to make up for promotional difference or more. I suspect fraud from this company.
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: CashRepublic Holdings, Inc. (TX)

Took out a personal loan for the amount of {$1500.00} through Omni XXXX XXXX while serving on XXXX XXXX between XXXX. I was informed of a lawsuit with this lender for over charging interests to Soldiers and wanted to see about compensation. No prior actions or requests have been made to the Company.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (MI)

Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

Please remove following inquiries along with the accounts that do not belong. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (KY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC and for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor LVNV Funding LLC committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC can not provide me with proof such as a signed agreement between me and LVNV Funding LLC giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

I hope this helps you to understand my problem that I am having with this institutions I am an individual who happens to have a business accounts at Chase Bank, XXXX They both closed my personal accounts at first without any explanation and they insisted that they will send the remaining balance to my address, that was a XXXX. 

Now that I have a Chase Bank is about to do the same thing to close my accounts, because they have closed my personal account, and they have insisted that they will send a check to home address instead of giving me a cashier check, or transfer the fund to my business account. 
I have a clean background That is why I am speaking your help, to help me to solve my problem Thanks
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-03-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

This letter was sent on XX/XX/XXXX. I reached out to the bank again to get a response but to no avail. 

Via FAX : ( XXXX ) XXXX XX/XX/XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : Interest Payment for Foreclosure Charge To Whom It May Concern : I am in receipt of Wells Fargos Cashiers Check in the amount of {$1000.00} representing the refund related to the foreclosure process that never took place on my property-. Please see attach. 
The letter states that the check includes {$940.00} for the expenses that I should not have been charged. It also states that the bank compensated me for the time when I did not have the funds of {$70.00}. I sold the house in XXXX. The foreclosure fee earned interest for 8 years ( 96 months ). I had an 8 % interest rate on my property. What was the rate of interest on {$940.00}? And when can I expect the check that represents the interest accumulated for over a 8-year ( 96 months ) period? 
Lastly, I appreciate the {$70.00} compensation, but I know that financial institutions do not compensate anyone for anything, therefore I look forward to receiving the cashiers check from you regarding the amount for the full 8 year ( 96 month ) period representing interest earned. 
Thank you for your time and consideration in this matter. 
Sincerely,
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

Filed disputes through XXXX XXXX and explained and all i was sent back was that eveything was right to them, and stuck them on my record for collections and real bad derogatory marks that are hurting me financially. Ive been trying to figure out whos stolen my identity and its very hard im spending what little money i have left to try and get my life back. It took me XXXX amd a half years just to get my credentials back to find out ive been getting my credit abused and its like they don't care how much you struggle they just hit a button and keep going on about their day.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CT)

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$2400.00} Account # XXXX and amount XXXX Account # XXXX. I did not make or authorize this charge. I am requesting that the charge be removed on all accounts from your company record and remove ASAP from XXXX major credit bureaus. Disputed Account # XXXX and XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Total Amount Claiming : {$1600.00} and {$2400.00}
Consumer complaint received 2024-10-22
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: DISCOVER BANK (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

-- - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : Chex Systems Inc. 
Customer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to formally request a correction of inaccurate personal information on my ChexSystems Consumer Report : Consumer ID XXXX, and I wish for it to be updated in compliance with the XXXX XXXX reporting standards. Below is the information that needs to be corrected : Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

**REMOVE THIS INFORMATION FROM MY REPORT** **Incorrect Information** -Address ( s ) : XXXX XXXX XXXX XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX -Name ( s ) : XXXX XXXX **REMOVE THIS INFORMATION FROM MY REPORT** **Correct Information** -Address ( s ) : XXXX XXXX XXXX XXXX, CA XXXX -Phone Number ( s ) : ( XXXX XXXX XXXX XXXXName ( s ) : XXXX XXXX XXXX I have enclosed the following documents to verify my identity and confirm the accurate information : - A copy of my government-issued ID ( e.g., drivers license, passport ) - A copy of a utility bill or bank statement showing my correct address - A copy of my Social Security card - FTC Identity Theft Report Please update the incorrect information on my credit report to reflect these changes as soon as possible. Kindly confirm receipt of this letter and notify me once the requested corrections have been made. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect the investigation and resolution of this matter to occur within 30 days of receipt of this request. Please ensure that the updates are made using the XXXX XXXX format to ensure consistency across all credit reporting systems. 

If you require further information or have any questions, feel free to contact me at the phone number or email listed above. 

Thank you for your attention to this matter. I look forward to your prompt action in correcting the errors. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX **Enclosures : ** - Copy of government-issued Passport - Proof of address ( Utility Bill & Bank Statement ) - Social Security Card - FTC Identity Theft Report -- -
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION (FL)

I deposited a business check via ATM. Becuase of my XXXX and XXXXXXXX XXXX it's hard for me to socialize. I use the automated teller as result of. All.pf sudden they can't release my funds becuase they lost the check. They isay it's just not there yet? What ... .that sounds crazy. This is bilkion dollar federally back institution and my checks just not there yet? XXXX had XXXX of thousands of dollars in checks from my employees deposited into this account and all of sudden they can't release a check? This is discrimination against my XXXX and they need to be fined for this.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

I opened an account with Wells Fargo XXXX with XXXX dollars on XX/XX/year> XXXX $ was withdrawn from my account leaving me minus XXXX $ on XX/XX/year> XXXX $ was deposited leaving my balance at XXXX $ so the money was withdrawn before it was deposited I believe there own bank statements show this activity. Then on XX/XX/year> XXXX $ was withdrawn at the time my balance was XXXX $ on XX/XX/year> XXXX $ was deposited leaving my balance at XXXX $ these withdrawals were both done just before a deposit was due and before I would have had access to the money I only have access on a certain day of the month and /or week and the withdrawals were made 1 or two day 's before my access day