davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (PA)

In XXXX of XXXX, as well as XX/XX/XXXX, I received two phone calls from a place called XXXX XXXX XXXX. The first phone call was made to my cell phone number of XXXX, which came up private number and they were asking for someone by the name of XXXX XXXX, XXXX, or XXXX. On the first phone call, I attempted to send a certified letter to the address that I had on hand through the XXXX XXXX XXXX And the letter was sent back to me returned to sender no such address. The address that I was given is listed here below : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Did XXXX this address, and the information I found on it through XXXX search earth view in particular, showed it to be a residence. 

The second phone call was now given to my landline on XX/XX/XXXX of this year, at XXXXXXXX XXXX and the phone number came up as the number below. 
( XXXX ) XXXX. 

I decided to call the number, and a gentleman who identified himself as XXXX XXXX, said that he was with XXXX XXXX XXXX, and claimed that I had an outstanding credit card bill, through someplace called Providian Chase Visa. He said that this credit card was from XXXX to XXXX, and I found that rather suspicious. I say this, because not only do I not recall having an account through Chase or Providian Chase, but any credit cards that I had during that time, to my knowledge have been taken care of and paid in full. Also, according to state law, and my attorney who specializes in this area, whatever alleged debt this is, is well past the statute of limitations, so therefore it's invalid. 
I asked XXXX XXXX some information, including starting with their physical address, and he immediately became very belligerent with me. He stated, " I don't have to give you anything! ", and when I told him otherwise, he said on what grounds, because I told him legally, he was required to, and I stated according to the Fair Debt Collection Practices Act. This of course ended the phone call. 

I want to state, that I have also obtained a copy of my credit report through XXXX and nowhere in there is there anything of this place. I have thoroughly checked all of my credit history, through necessary avenues, especially through the organization named above, and there is nothing in there of an outstanding anything with this company. As I stated, to the best of my knowledge, whatever credit cards I had during this alleged time. Have been paid in full. Also again, the statute of limitations states that this is invalid. 
These people are very shady, and deceitful, and if not stop they're going to deceive a lot of unsuspecting gullible people, who are falsely led to believe that they have an outstanding debt that they don't, and that's going to be very damaging to them.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IA)

My account is blocked at Citibank and they said I had to wait XXXX days to receive a letter. I tried getting into my account because I just received my husbands paycheck to pay our bills. How can I wait XXXX days to use my government paid check
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with XXXX, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : XXXX Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with XXXX to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by XXXX as XXXX satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that XXXX continues to report a balance on this account. This reporting error is unjustifiably harming my XXXX XXXX and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with XXXX directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for XXXX : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure XXXX updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on XXXX ftc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tromberg, Morris & Parnters, PLLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Re : Complaint Against XXXX XXXX XXXX and Tromberg , Morris & Poulin, PLLC Dear CFPB Representative, I am writing to file a formal complaint against XXXX XXXX XXXX and its legal representatives, Tromberg , Morris & Poulin, PLLC, for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I believe the following violations have occurred : - Improper credit reporting regarding a debt that was discharged in [ year ] and is still being pursued. 
- Harassment and unfair debt collection practices, including sending letters that misrepresent the debt amount and refusing to provide requested documentation. 

I have attached all relevant documentation, including letters, credit reports, and legal correspondence. I request a full investigation into these practices and ask that all improper collections activities cease immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apelles, LLC (MI)

XXXX XXXX XXXX has turned me over to a collection agency Apelles. They are saying I owe {$110000.00} for a checking account that is closed. The I did not have checks to the account. I only had a debit card and I could not overdraft on the account.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I opened a Sephora/Comenity Bank Card in late XXXX. Made two small purchases for less than XXXX and paid the bill for both of them. I was in XXXX directly after making the purchases as in one day later and remained there for almost two months. While in XXXX I attempted to pay the balance on the card but was unable to do so. When I returned from XXXX I promptly paid the entire balance and noticed the late fees were more than what I actually owed. Called the company and they agreed to remove them if I kept the card open, when I refused and wanted it closed they left them on. 

I called last month and demanded that they remove these charges from the account and while they removed some of the late fees, they refused to remove the initial late fee even though I said I was in XXXX and the card itself wouldn't let me make a payment on the balance. 

I want the late fees removed as they are affecting my credit scores.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOUTHSTATE CORPORATION (GA)

In or around XX/XX/year> a {$25000.00} Check from XXXX was deposit into a Trust account for XXXX XXXX XXXX at South State Bank in XXXXXXXX XXXX  This check was written out to " XXXX XXXX XXXX XXXX XXXX XXXX. '' These funds were released to XXXX XXXX XXXX without my proper authorization or endorsement on the back of the check. Your bank should be held responsible for the improper negotiation or this check and release of these funds.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (NY)

Upgrade.com is calling to finalize an approved loan. It is a home improvement loan, so I have to approve a payment to the contractor. I cant approve over the phone but must login to their website. Regardless they are calling and asking for personal information like my social security number to verify me. They refuse to accept it is a wrong practice to initiate an outbound call and ask for personal information. They are mimicking the behavior of fraudsters.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I fell victim into letting someone have access to my Chase bank account on the promise of them helping me financially. They tricked me by giving me bank account info to use for payments to make it more believable. When they got into my account, they made claims from purchases I made in XXXX with XXXX of them being my electric bill from what I was told. They also made deposits in the account with checks but I'm not sure if they were legit or not since they wouldn't tell me. They eventually tried taking over my account by removing my phone number, which immediately caused my account to become locked and restricted. The restriction was noted as fraud and I was told that my account would be forced closed within XXXX business days. Before all this happened, I had - {$2.00} in my account so I didn't have much in my account. I was supposed to get paid that same week and this happened the day before. I let my payer know of the situation and they told me that my paycheck had already been sent to my Chase account which I no longer had access to. I called them and asked what's gon na happen to it and they told me it would be delayed by XXXX business days. I went to an in-branch location to try and see what was going on in my account because I kept getting overdraft alerts and nobody would tell me over the phone and there they told me my paycheck was rejected so it would send the funds back to my payer. I spent days waiting just for my payer to say they never got any funds because it wasn't officially rejected which led to another phone call to Chase. I was told that they did get my paycheck of {$510.00} on XX/XX/XXXX and there wasn't anything I could do other than wait until they close the account for me to receive the funds in a check. They also told me they wouldn't do anything with my paycheck. This morning I received an overdraft alert which means they've been using my paycheck for something. Every time I call them, nobody wants to help me because my account has that fraud restriction on it, even though it wasn't my fault.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (AZ)

When I called Lexis Nexis to get the XXXX XXXX report from an insurance quote adverse action letter, they verified XXXX pieces of information. I have JUST moved and don't yet have anything to prove my new address. They refused to send the report to my address on file or verify additional information to provide me with my report. 
They are making it unnecessarily cumbersome to obtain my report!
Consumer complaint received 2024-09-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

This is a very old and unclaimed POD COD. Wells Fargo was the last known holder after acquiring the issuing bank ( XXXX XXXX ) Nobody seems to care about my thousands of missing dollars. Wells Fargo is a joke. It would take a simple time investment to scroll through microfiche archive 's to determine the movements of my COD. I have, thus far, contacted the FDIC, Comptrollers office of CA, Oregon State Treasury, CFPB and am ready to pursue a NAUPA claim with or without the help of an attorney. My funds are unclaimed and I intend to claim them if someone would set their ego aside, earn their paycheck and follow the written fiduciary laws. It would be greatly appreciated if someone would, without needing to be encouraged with litigation, do the right steps necessary for providing the digital trail of what happened to these funds after the Wells Fargo acquisition in XXXX. My unwavering promise to you is that I will not go away, give up or be blown off by corporate entities. I will be a loud nuisance until these funds are found and dispersed. 
Sincerely, XXXX XXXX XXXX ( formerly XXXX ) Beneficiary in waiting
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial (AR)

I sent a Debt Validation Letter to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/year>, This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off yet still list me with a balance owed of {$2500.00} and {$1200.00} on another report. This is inaccurate and false information and should not be reported. 

DBA Koalafi
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I sent a XXXX XXXX XXXX to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/year>, Account is being reported as a charge off/written off and collections. Not matching on any of the bureaus. 

This debt is being reported by XXXX, Portfolio XXXX XXXXXXXX for the same XXXX XXXX XXXX. How can XXXX collection companies be reporting the same account, with different balances on all three. 

This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off and collection yet still list me with a balance owed of {$950.00}. This is inaccurate and false information that should not be reported.
Consumer complaint received 2024-06-24
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the XXXX affidavit from the site identitytheft.gov. 

Please dispute this account. This was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

I received a letter from the XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX. Both Courts sent a response that THEY DO NOT REPORT TO ANY CONSUMER REPORTING AGENCY, nor do they verify information to any credit reporting agency, yet ; LexisNexis, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( lied ) about verification to place these items on my credit report. 

LexisNexis XXXX Number : XXXX, Case Number XXXX XXXX Report Number : XXXX XXXX File Number : XXXX XXXX Report Number : XXXX XXXX  Log Number : XXXX XXXX Report Number : XXXX The Bankruptcy Court ( did not ) give permission to report to my credit file, neither did I give permission to report to my credit file. I do have a right to privacy of my credit consumer file and I do not wish nor give permission for either agency to report this to my credit file. It is negative and I want my privacy XXXX ( XXXX ) and XXXX.
Consumer complaint received 2024-09-17
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: WELLS FARGO & COMPANY (AR)

I wrote a certified letter to Wells Fargo for verification of the account because I have identity theft issues, and Wells Fargo never addressed the issue with a proper investigation. Identitfytheft.com complaint has been filed because my information was breached during XXXX XXXX XXXX and someone did use my information but I'm not able to track down who did.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IN)

On XX/XX/XXXX, we received a letter from our XXXX XXXX  agent, XXXX XXXX, stating that they had not received the landlord protection renewal premium of {$1500.00} for our XXXX rental home from our mortgage company. The payment was due on XX/XX/XXXX. We contacted our agent and was told it was on error on their behave and we had nothing to worry about, that they were sending out another check. We went the entire year without any worries because we trusted the company. They sent us the cancelled check and told us we could post it into out personal bank, apply it toward our mortgage or apply it back into our escrow. We deposited the first check into our bank for safety reasons, just so we had a paper trail. 
On XX/XX/XXXX, we received two ( 2 ) other letters from our agent. The first letter stated that the check from our mortgage company was returned due to a " Stop Payment '' of the check by them, but we could send in the payment without a lapse in insurance by XX/XX/XXXX. The second letter stated that our policy expired due to non-payment on XX/XX/XXXX. Again, we turned to our agent in Indiana and was told the premium had been paid and we had nothing to worry about. We received the new policy packet from XXXX XXXX in XX/XX/XXXX, so as you can see, why we were confused each time we received a letter. 
Now we jump to XXXX of XXXX. Our XXXX XXXX XXXX rental property received hail and wind damage from the storms during that time period. When we called XXXX to report the damage and get our roof repaired, they stated that we hadn't had coverage since XXXX of XXXX. Oh boy, we were not happy. Of course phone tag started again. Still to this day, XX/XX/XXXX, we have yet to get repairs, but we did find out that a check was cashed by XXXX, we don't know why they are lying to us about this, but we would like some resolve to this matter. Also, if all parties involved claim they never received a check in the amount of {$1500.00}, then why has it not been returned to our escrow??? We found out in XXXX of XXXX that XXXX XXXX owns the loan, why we were not made aware of this sooner, as it could have helped us as an outlet to this problem, is beyond me.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (AR)

Seventh Avenue is reporting a chargeoff on my credit file. When a company does a chargeoff the balance isn't owed to the company anylonger, yet Seventh Avenue is still trying to collect from me and has used a third party to do so. I never agreed to have my privacy violated by reporting my personal information to credit agencies and I never received any letter, electronically nor written stating an agreement was formed giving them permission to do so. The information, the address and telephone number are inaccurate on this report as well.