davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

I have been getting emails from Chase Bank, I reported it to the FTC and local law enforcement a few months ago. I tried to call the company to change the account information as I used to have an account with Chase Bank years ago but was unable to. The guy who answered the phone just asked for my social security number and my address and took a moment to '' change my phone number '' but there was no hold music and he wasn't being very clear about the process of changing my phone number. I think to intentionally confuse me. This has also happened with XXXX XXXX, another account I no longer have
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (MN)

Currently, I hold a Money Network Pay card. This card is used to receive payment from my temporary service. Recently, I connected it to my cash app account, so I can still use my debit card, although I have not been working. Come to find out, Money Network has linked my card, with another card and I have lost a lot of money. For example, there are two credit cards, with the same name, but different people. One has a positive balance, which was mine and the other had a negative balance, with was the fraudulent account. The company has taken my money majority of the times to cover another money network card to cover their negative balance and I have tried to resolve. This company refuses to give me my money back, although I have gone through account in detail with them numerous of times. Not only have I filed a complaint with the XXXX, but they still continue to commit fraud on my account. Please make it stop. Please audit there records on my account and make them pay my money back. You will notice, that a deposit will appear 2- 3 days, prior tot he pay date and be forced to cover deposits prior, which should have already been covered. This is how they skim money out of the account. For example, I had 3 posted deposits totaling {$200.00} on XX/XX/,, but I don't get paid until XX/XX/, they take that deposit for XXXX  and post it to XX/XX/ and the remaining balances that would have covered the {$200.00} disappears. This is a Ponzi scheme. I am tired of this. I am legitimately homeless and need every dollar I can get.
Consumer complaint received 2024-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (NY)

The lender who has scheduled a foreclosure sale along with their attorney has received multiple requests to provide payoff information and has failed to do so. The title company who is attempting to insure title related ot a final sale has also requested this information. Now the lenders servicer ( Mr. Cooper ) is saying that they are unable to provide certain information because of the XXXX software issue which happened on XXXX XXXX XXXX But these requests have been made previously on multiple occasions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (AR)

On around XXXX XXXX, I encountered issues related to unauthorized electronic fund transfers in my Venmo account, which I believe constitute violations of the EFTA. The specifics of the incidents are as follows : 1. Unauthorized Transactions : o On XXXX XX/XX/scrub>XXXX XXXX, several transactions with a total amount of {$590.00} was made from my account without my authorization. These transactions were neither initiated nor approved by me.

2. Failure to Investigate : o Upon discovering the unauthorized transaction ( s ), I promptly notified Venmo on around XXXX XXXX XXXX through email, phone, and chat. However, Venmo failed to conduct a timely and adequate investigation into the matter as required by EFTA and Regulation E. 
3. Failure to Provide Provisional Credit : o During the investigation period, Venmo did not provide provisional credit for the amounts in dispute within the timeframe specified under EFTA. 
4. Lack of Transparency and Communication : o Despite my repeated attempts to seek clarification and resolution, Venmo 's customer service failed to provide clear and consistent information regarding the status of the investigation and the steps being taken to rectify the issue.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

I have tried to apply for the Apple Credit Card, My XXXX XXXX XXXX, and My XXXX XXXX XXXX XXXX for over a year now. Every time I applied they asked me for my ID and then the application get declined they think is a fraud but is not. In the last email, they told me that they were unable to verify your identification information. I don't understand what's going on with Goldman Sachs that is always some XXXX. When I call sometimes they can't even see my applications. They are not telling me what's going on, they don't send me a letter in the mail either. My last application was on XX/XX/23 and after I applied I call several times to make sure they received everything and the pictures of my ID are clear and they told me yes everything is fine XXXX.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/year>, LVNV Funding LLC sued me on a time-barred debt in a jurisdictional district where I did not reside. The company knew, or should have known, that fact. Not only did LVNV Funding LLC sued, but they made a false declaration to the Court that I was properly served process in person at an address that I did not reside on the date I was allegedly served. Furthermore, despite several request for verification and/or validation of the alleged debt, LVNV Funding is yet to provide such verification and/or validation. 

Summary : ( 1 ) On XX/XX/year>, defendant violated s.1006.26 of the FDCPA by filing a lawsuit on a time-barred debt.

( 2 ) Contrary to s.811of the FDCPA, defendant unequivocally filed a lawsuit in XXXX XXXX XXXX TN, a jurisdictional district in which plaintiff did not reside at the commencement of the action on XX/XX/year> or anytime thereafter. 
( XXXX ) Furthermore, defendant failed to verify and/or validate the alleged debt within 30 days of initial contact ; thus violating s. 809 of the aforementioned statute.
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

XX/XX/year> Pay to delete letter sent XX/XX/year> Company states letter of response please call XX/XX/year> Company Rep can agree to settle for ( {$370.00} ) but can not provide Pay to delete letter Then Company Rep also states says I only owe XXXX No payment has been made this day XX/XX/year> at XXXX XXXX XXXX XXXX XXXX debt however denies sending any documentation because they only send it to XXXX  XXXX XXXX ( 3rd party ) XX/XX/year> Ceased XXXX XXXX XXXX from making all payments Therefore all information documentation should be sent to me. 


XX/XX/year> Phone call Current dispute - Request documentation is to show proof agency is licensed to collect in the state of PA and all Transactional. 
XX/XX/year> has been 30 days and there is no response at all.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I recently filed a complaint about LVNV FUNDING attempting to collect a debt without properly giving me notification for the following account XXXX. I requested that they provide me with evidence that they gave me proper notice allowing me to dispute the debt before it reached my consumer report however they did not provide that document. I also requested the purchase agreement since they claimed that they purchased the debt but they also failed to provide that ( complaint # XXXX ). A different company ( Resurgent Capital Services ) than the onXXXX on my consumer report responded to my dispute which violates the Fair Debt Collection Practices Act. Now I am certain that they are attempting to collect a debt that is not owed and are falsely reporting an account on my consumer report without having any proper verification. XXXX has actually deleted this account from my consumer report which further proves the validity of my claim ( see attached ). Pursuant to 15 U.S. Code 1692g ( c ) Failure to dispute the validity of a debt can not be construed as admission ( I never received proper notification nor have they provided proof I received notification ). This is a huge violation of the consumer protection act and this is going to be their last chance to rectify this situation by deleting this account from my consumer reports before I seek further action. If LVNV FUNDING believes otherwise, then I demand that they provide the certified green return card bearing my signature at least 30 days prior to reporting this information AND the purchase agreement.
Consumer complaint received 2024-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC (FL)

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I am aware that the HIP AA does allow for limited information about me, but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization Please provide a breakdown of fees including all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please respond by sending this information and accept this notice 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 am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, 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 await your reply with the above requested proof.
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

ON XX/XX/XXXX, I PAID THE FULL BALANCE OF {$180.00} ON MY ZALES CREDIT CARD. I DID NOT HAVE A BALANCE DUE. ON XX/XX/XXXX THERE WAS A SERVICE FEE OF {$3.00} OF WHICH I WAS NOT MADE AWARE OF. I HAD A XXXX BALANCE SO I DID NOT GO BACK INTO MY ZALES ACCOUNT. I DID NOT GET AN EMAIL OR LETTER STATING THAT I HAD A PAYMENT DUE OR ANY OTHER NOTIFICATION. IN XXXX SO I DID NOT MAKE THE PAYMENT ON THE DUE DATE IN XX/XX/XXXX. I GOT CHARGED LATE FEES AND IT WAS PLACE ON MY CREDIT REPORT AS A LATE PAYMENT. I CALLED ZALES AND THEY REMOVED THE LATE FEES BUT STATED I HAD TO PAY THE SERVICE FEE OF {$3.00} WHICH I DID. THIS 30 DAY LATE PAYMENT HAS BEEN PUT ON MY CREDIT REPORT EVEN THOUGH I HAVE NOT HAD XXXX LATE PAYMENT IN YEARS. THEY THEN DROPPED MY AVAILABLE BALANCE FROM {$3500.00} TO {$100.00} WHICH ALSO AFFECTS MY CREDIT. 
I AM REQUESTING THE LATE PAYMENT OF {$3.00} IS REMOVED FROM MY CREDIT REPORT AND MY CREDIT LIMIT BE RAISED BACK TO {$3500.00}. THIS HAS AFFECTED MY OVERALL CREDIT REPORT SCORE. I HAVE WORKED REALLY HARD TO PAY MY BILLS ON TIME AND I NOW HAVE A MARK ON IT FOR {$3.00} WHICH IF FIND RIDICULIOUS! WHAT AM I PAYING A SERVICE FEE FOR. I HAD A XXXX BALANCE!!
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

On or about XX/XX/XXXX, I received a bill from Comenity Capital Bank regarding my credit account for Dell Computers. The bill was for payment for my account ending in XXXX. Not aware of any balance on that account, I inquired with Comenity, who referred me to Dell customer support. I spoke to Dell customer support representative XXXX XXXX XX/XX/XXXX, she agreed to cancel the service subscription & reverse the charge of {$120.00} for the subscription made in XX/XX/XXXX, that the Comenity Capital Bank credit card were trying to collect for. XXXX sent me XXXX emails ( attached to this complaint ) to confirm our conversation while also speaking with her manager during our call to confirm the reversal of charges by her manager. Since that time Comenity Capital Bank claims they have no knowledge of the charge reversal and the charge made in XXXX was appropriate and is not fraud ( fraud request & closure letters from Comenity attached ). As such, Comenity continues to charge my account interest and penalties for not paying for a service that I did not request and was cancelled without ever being used. In addition, Comenity is now reporting to the credit bureaus that I have a delinquent account. I have spoken to many representatives from Comenity Capital Bank collectively totaling approximately XXXX hours on the phone with various people from the bank and can get nowhere ; they refer me back to Dell customer care insisting I have to resolve the matter with Dell ; Dell has addresses the issue as described above and refers me back to Comenity. I have repeatedly called Dell customer support several times after my calls to Comenity and they reconfirmed the subscription is cancelled, can not be reactivated, and that the charges should have been reversed as a result of the cancellation. Since that time I have pursued a resolution through the XXXX XXXX XXXX to no avail. Comenity responded to the XXXX complaint on XX/XX/XXXX, ( response letter attached ) indicating there is no evidence of a cancellation of the subscription and declined to reverse the charges, despite the fact that I provided them XXXX separate emails from Dell customer support confirming the subscription cancellation. So, my complaint in brief is that I was promised a reversal of charges for a service that I did not request, I no longer have, nor did I have accessthat service, but the creditor insists I owe them the money for it regardless. So, I'm being asked to pay for a service I never used, can't use, and was promised a reversal of charges for by the originator of the charges ( Dell Computers ). In the meantime, my credit score has taken a significant hit from Comenity reporting delinquent /late payment for this issue.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NC)

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG HOLDINGS INC (MI)

Contacted the debt collector and asked for proof of the alleged debt specifically the original application bearing my signature. This account is not mine and I never gave XXXX XXXX XXXX any permission to use my nonpublic personal information. No goods, services, or money was obtained from this information. This is not a material misrepresentation of fact. This was not made in error. I am requesting an information block due to identity theft. This Company is fraudulently using my information without my knowledge. They have not been able to provide such proof to me therefore they are reporting misleading false accounts. Under 15 U.S.C. 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. Please note my identity could have been stolen from anywhere including data breaches which could have resulted in someone creating the account with XXXXXXXX XXXX XXXX on XX/XX/year>.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to Human Trafficking dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts. XXXX XXXXXXXX XXXX XXXXXXXX {$6100.00}. XXXX XXXX XXXXXXXX XXXX {$1100.00}. XXXX XXXX - XXXX XXXX.
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

I paid off my account with XXXX XXXX years ago and the account was closed. I got very sick and in a coma 61 days ( flatlined 3 times ) and the hospital 9 months. Then transworld systems inc has been putting on a collection on my credit report with all the credit bureaus. This is illegal and they are placing things on peoples credit and then changing the dates and payments history! I want to file a federal complaint against transworld systems, XXXX!!! 
Thank you for your help and understanding with this matter, XXXX XXXX
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (PA)

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX for the cancelled debt. Also I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer XXXX have given you written, non written, verbal, and nonverbal per XXXX XXXX Code XXXX. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, non written, verbal, and non verbal per XXXX XXXX XXXX.