davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX 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 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. 

XXXX 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 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, someone sent me {$300.00} through XXXX, and Chase Bank told me that the bank had lost my registration information during their system maintenance. They sent the transfer back to the sender, and told me to contact the sender about it. The sender CAN NOT be contacted. I have pictures with the send information, and the transaction number on them. It was the bank 's mistake, and I need them to cover this transaction.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Burke Costanza & Carberry LLP (IN)

This office has been incorrectly billing me for services beginning XX/XX/XXXX. They have billed me for doctors I havent seen when I requested to have follow up visits with the doctor who performed my XXXX. They have gone from billing neither insurance to billing only XXXX, INSTEAD OF IN ORDER OF PRIMARY THEN SECONDARY, which has caused for claims to be denied, leaving me with a lawsuit for over {$16000.00}. XXXX XXXX has reached out, as recently as XX/XX/XXXX with a voicemail being left, to them to inquire about their billing practices. 

Also, the condition that this medical debt stems from has been determined to be directly related to a pending medical malpractice lawsuit I have against XXXX XXXX. 

Regardless, the billing practices of this office are inconsistent and questionable all while neither physician, XXXX and XXXX, want to address my post operative concerns, pain, and complications I have made them aware of since XX/XX/XXXX. I requested XXXX XXXX for my post-op follow up visits but when I arrived at the appointments, I was met with XXXX XXXX who spent less than XXXX minutes with me, ignoring my pain and concerns.
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I called XXXX XXXX XXXX and XXXX in XXXX of XXXX of an apartment rental on my credit report. XXXX placed a freeze on my credit report, and the XXXX told me they would look into it. 

On XX/XX/XXXX I tried applying for an apartment but was denied due to the {$8000.00} rental collection. I submitted a dispute. I called the XXXX apartments XXXX times XX/XX/XXXX to verify the debt and to ask for documentation. XXXX at the leasing asked for my name, social, and email address. She said her XXXX would look into it. She mentioned it is probably a case of identity theft.
Consumer complaint received 2024-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (NY)

Fay Servicing took over from XXXX XXXX for loan servicing. But I paid off my entire balance month before XXXX had sold off my supposed loan balance to Fay last year.

Since then I've asked custumer service at Fay for the loan docs. They have never mailed me any doc up till now. 

But my XXXX XXXX XXXX is being held hostage by this company. My score is continuing to deteriorate.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I am writing to express my concern regarding a recent experience of discrimination I encountered while using MoneyGram to send money to my son. Despite following all necessary procedures, the money was not delivered. When I contacted MoneyGram to inquire about the issue, I was informed that there were " unusual activities '' associated with the receiver. However, no further details were provided, leaving me without a clear understanding of the accusation. I firmly believe there was no basis for accusing my son of any unusual activities, and I am deeply troubled by the lack of transparency and the discriminatory nature of this incident.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc. (MO)

Im not liable for this report as shown on my credit report, with Consumer Portfolio Services.

My credit report shows a repossessed auto filed by CPS Inc I have never had a repossessed car / nor I have or ever had an account/ borrow money from this company. 
I contacted CPS Inc and they did not provide me an account or contract with my mane on it in their records as requested.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (FL)

Ordered sunglasses from XXXX. Order # ID : XXXX. Sunglasses arrived with XXXX broken lens and my account was charged {$140.00} plus {$9.00} tax. 
I returned the glasses XXXX day after receiving package and was given a tax credit for the {$9.00}. The merchant charged me a restocking fee of {$140.00}. 
Now, I have no sunglasses and a credit card charge for {$140.00} that citi bank is requiring me to pay.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Citi is demanding that I pay for a mattress that I cancelled in a timely fashion and did not take possession of. 


Citi.com sided with a merchant who denied my legal right to cancel an order within XXXX hours. 

On an XX/XX/year> phone call, the owner of XXXX XXXX talked me into giving him my credit card number. He immediately charged my card for the standard, second-tier mattress model he wanted to sell me. He did not have a store. 

I decided to try mattresses in a store and canceled the order within XXXX hours. The mattress manufacturer, XXXX, states on its website that he could have canceled the order in that time frame. 

He did not cancel the order with XXXX as I instructed but continued to push and harass me to take the mattress in a series of emails. 

On XX/XX/XXXX, Citi emailed me my dispute erroneously listed goods not as described as the reason for the dispute, not as cancelled order. Cancelled order is what I had requested. The woman who took my dispute insisted on not as described, although I complained. Citi did not indicate they would fix the error. 

Citi gave the merchant until XX/XX/XXXX to respond. He responded with a bogus invoice that I had never seen or signed, I have only communicated with him by phone or email. That invoice is not in my emails. 

I protested and Citi reopened the case, but on XXXXXXXX XXXX, sent me a letter saying they had sided with the merchant who evaded my lawful right to cancel. Citi helped him. 

That is a shabby way to treat me, a loyal Citicard holder for 25 years. 

I cancelled the order in a timely manner and have never taken possession of the mattress.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (MA)

I am receiving emails ( XX/XX/XXXX, XXXX, XX/XX/XXXX ) from First National Collection Bureau Inc. which communicate need to settle debts for court awarded judgements. 
I am receiving emails entitled " Your judgment with XXXX XXXX XXXX  ( XXXX ), XXXX. remains outstanding ''. 
They report a debt with XXXX XXXX to the value of {$4100.00}. The first and last names for the addressee are correct, but the middle initial is incorrect. 
I have never had an account with XXXX. A previous account with XXXX XXXX was closed and paid in full. 
My credit reports with all three tracking organizations confirm no such outstanding account as either of these. 
I'm concerned about calling this company to challenge this situation, as I'm pretty confident I have been caught out before, and ended up paying money to cover a debt which did not exist.

I've been worried about what I saw a recommendation to contact the Federal Credit Bureau. That site pointed me towards this one.
Consumer complaint received 2024-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

I have tried on several occasions to get a full explanation about how my loan balance increased far beyond the original loan amounts. The loan company was not able to provide any documentation about how much was initially taken out in loans. The company says they could not provide this information because the loan ( s ) had gone through a consolidation. The only response was that the balance had increased due to interest charges.
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations, which involved me making deposits for a total amount of XXXX XXXX  from my JP Morgan Chase account to fraudulent investment firm.
Consumer complaint received 2024-07-25
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: SANTANDER HOLDINGS USA, INC. (CA)

I have viewed a copy of my consumer report and when reviewing a copy of it I noticed that the consumer reporting agency as well as the so called " creditor '' have unlawfully furnished my information without my consent. It is very clear that within the FCRA in pursuant to 15 USC 1681B they must have my written consent or court jurisdiction to furnish any of this information on my behalf, I do not consent to them furnishing anything on my behalf, with that being said i am cease and desisting all illegal activity In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 
Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc. (IN)

A loan was taken out in my name on XX/XX/year>, I was a resident of alabama at that time with a alabama driver licens I was XXXX years old at the date of this loan being opened, alabama state law at that time required a person to be XXXX years old to enter into a contract, there is no way this loan could have been mine due to alabama code 26-1 1, it was my brother 's truck and his name was on it XXXX XXXX but some how the creditor ameri credit gm fincial placed me on the loan also and the vehicle was repossessed and now charged off, since this has happend my credit has been ruined I can't get a vehicle loan due to this error, ameri credit gm fincial allowed someone to use a minors info and finace a vehicle with out proper consent or any documents from me, this contract should of Ben void due to me being under legal age requirement for entering a loan I wasn't even XXXX legal age in any state in this USA for entering a contract with a fincial company please help me
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

they been suspending my account for no reason, when I call for help they say that my case is being handled by account specialist but it never get resolved, and my money stays locked in the account, I cant send it to anyone or withdraw it
Consumer complaint received 2024-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There have been several instances of someone applying for credit cards with my informatoion but without my authorization. I have XXXX hard inquiries that have shown on my credit report since XX/XX/year> including XXXX XXXX, XXXX and Capital One. I have contacted XXXX and XXXX. They have reported the incidences as fraud but was told I would need to file a complaint here as well to elp clear my credit report from these inquiries.
Consumer complaint received 2024-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (CA)

In 2022 we received the XXXX relief forgiveness on our homeloan for XXXX  year. Approx {$32000.00} We were told that it would be forgiven or atleast placed at end of loan. Our mortgage company said we qualified for rolling over loan to end of mortgage which would extend our loan. 

I found out by running my credit check that my loan was sold to another company without my permission or knowledge a few years ago. We have not received any correspondence from anyone regarding the sold loan. I then found out that the loan is XXXX % interest compared to my XXXX % interest. 

I am afraid I may be a victim of a zombie loan. Please help! 

Thank you!
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a bank of america account. The last 4 numbers of the account were XXXX. The account receieved regular deposits from my job. The closed my account on XX/XX/year>. 

I received a direct deposit of {$2000.00} on XXXX but despite the account being closed they kept my deposit. My job would like to reissue the deposit but since the bank kept the funds they can't. Bank of America claims they can not return the funds so I have no access to over {$2000.00} of my own money. They claim my account wont be fully closed until XX/XX/XXXX and I wont get my money until then. 

I would like to know why they closed my account if possible but I need my money as soon as possible.
Consumer complaint received 2024-07-25
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (IL)

Hello, most of the companies that I file for a credit card for or have a credit card has reported incorrectly on my credit report. I will try to get a credit card and they will deny me and still have that inquiry on my credit report I would like all of this to be taken care of please.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME : XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have disputed a charge with capital one credit card about a charge on my credit card for an item that I returned back to XXXX but capital one responded to my dispute that XXXX has given me the refund or credit but that is WRONG XXXX XXXX me for a DIFFERENT ORDER and it is the same amount but it is for a different order and that refund was given to me before my dispute and it is for a different order from XXXX and so XXXX XXXX owes me XXXX dollars for the retro charge that they charged me and the case number with capital one credit card is XXXX. Capital one made a mistake by assuming that a refund from XXXX was given to me for this dispute but that refund was for another order and I still need XXXX to refund me for this item returned back to them and capital one card needs to rule in my favor for this dispute because i returned the item to XXXX and XXXX retro charged me for this item and did not refund me the money
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (VA)

advised company this is a fraudulent account its not mine 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Amsher Collection Services, Inc. (GA)

AMSHERCOLLECTIONSERVICES XX/XX/2024 {$2200.00}. ORIGINAL CREDITOR XXXX XXXX XXXX Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : FCRA/UCC law , this item must be deleted, or we will pursue civil action.