davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NJ)

My XXXX account was hacked and they took out loans. So I called the company and they told me I had to provide proof of fraud before they would even investigate it standard banking procedures have it where you could report fraud and they would investigate but they told me to get back to XXXX, which is not standard procedures in the bank and industry, they are not following standard banking loan procedures. I told him I reported it to the local police, but theyre still not helping me.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (LA)

A Debt Validation was sent two times to these creditors. It has been over 30 days and I still have not received a response. My current address is provided on the debt validation letter, so they're fully aware of where I am located.
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

My credit report shows that I owe {$1900.00} to JEFFERSON CAPITAL SYSTEMS LLC, with XXXX as the originator creditor. I'm not aware of this XXXX mobile account ; I've never had a XXXX mobile connection. I also called XXXX customer care, but it took me to XXXX XXXX  because XXXX was merged with XXXX XXXX, and they confirmed that the account that appears on my credit report from Jefferson does not exist nor is associated with my name in their records. This has had a significant negative impact on my credit score. I have not received any email or physical mail communication regarding this. I see this entry on my credit report ; it does not belong to me, nor do I have a XXXX mobile connection. I have also filed a dispute with all XXXX credit bureaus.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (CA)

I just recently complained to you guys about this and you will hear my complaint PayPal is trying to tell you XXXX they offered me provisional credit they never offered me professional credit you understand that as soon as I opened up the case with the PayPal with Walmart Walmart paid me back so there was no provisional credit but they did was they faltered okay a document and sent it to you guys and you guys think you just go close it without looking into it. They altered that document because they didn't send meXX/XX/XXXXlike that they recently took that and made that up just so you guys can believe you don't close no case unless you hear all sides I got Federal involved yes cuz Federal is going to look into their XXXX they never gave me no provisional credit they took money for nothing you will look into it I mean reopen that and you look into this that's why I got Federal involved. XXXX no this case too far from closed
Consumer complaint received 2024-08-26
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: BARCLAYS BANK DELAWARE (LA)

There was a hard inquiry on my credit report that I did not recognize. I called the number to the bank from my credit report and none of my information matched any of their applicants information. I did notice the hard inquiry is only on my XXXX report as of right now. On their website, there is an inquiry for XXXX XXXX which is a past name of mine, which I have not used since 2008. The bank could not give me any information but did say there was a similar name and they would report the application as fraud.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

So on XX/XX/XXXX I saw that I had 3 different charges that I did not make. They were all from XXXX & two were of XXXX $ & one was XXXX XXXX They were all charged in different citys as well, one was in XXXX. Another one XXXX & lastly XXXX. So I called my bank & they helped me first get a new card, report the other one & they gave me the money back, I think they said they gave it to me meanwhile they solve the case. But today XX/XX/XXXX I saw that it appeared again the 3 charges made in XXXX so I called my bank & they told me that they did not find it on my favor so they took the money back.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Johnson Mark LLC (OR)

I married my wife on XX/XX/XXXX. I had only known her for a year prior. I bought my house before I met her in XXXX of XXXX. She not listed on any mortgage statements of utility bills at my residence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife incurred credit card debts that were sent to collections and then purchased by Johnson Mark LLC. XXXX XXXX XXXX 

With out any knowledge or consent they placed an illegal lien on my home to collect on her debts even though the home does not have any ties to her as it is solely in my name. Holding me responsible for the debts of someone I did not even know and the debt was sent to collections years before we met. The subsequent illegal lien has cost me thousands of dollars due to denied refinancing loans/cash out equity options. I reached out to Johnson Mark LLC. And they refused to correct their illegal procedure regardless of how illegal their actions were.
Consumer complaint received 2016-11-20
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing charged me over {$4000.00} in annual fees by placing forced homeowner insurance policies knowing my XXXX Mortgage loan is paid in full. Recently Ocwen was forced to settle its forced place insurance class action lawsuit. in XXXX Ocwen was able to receive court judgment by using fraud documents to rescind my XXXX Option One Mortgage, and my XXXX XXXX XXXX full reconveyance. Since the fraud judgment was granted I been requesting my XXXX XXXX and XXXX XXXX XXXX statements from Ocwen several times because I was unable to locate my account numbers to get the records, Ocwen always denied my request. Recently Ocwen 's outside counsel, XXXX, agreed to release my bank statements because he knows the statues of limitations has expired and that I will be unable to gather the bank evidence that my loan is paid off. Also, I was recently notified by officials that a insurance policy paid off the pretender lender made up loan in full years ago. Ocwen has committing years of fraud looking for free homes from victims to rip off to gain its wealth. I demand the consumer financial protection bureau involve the DOJ and the FBI into my matter. I need help defending myself again Ocwen criminals. Recently, XXXX XXXX, XXXX, I requested all of my payment history from ocwens counsel XXXX, from XXXX to recent, as of today I still have not received the payments history, including all fees, and all the years of forced placed homeowner policies. I believe Ocwen knows it 's companies a fraud and if they released the information that I 'm entitled to would cause the fraud company harm because they would be caught ripping me off. 
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Consumer complaint received 2023-07-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (ID)

Received letter dated XX/XX/year> from SIMM Associates XXXX XXXX stating I owe XXXX XXXX XXXX  {$260.00}. I asked for a copy of the original signed contract that I knew they could not provide whereas I have never done business with this company. I asked for payment history, again I have never done business with this company. Proof that they own the debt or had been assigned the debt. They never responded and I never heard from them again. I could only assume they gave up on their fraudulent efforts. I then discovered they have reported the unpaid debt to the credit bureaus.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Control, LLC (CA)

I received two physical letters in the post today. XXXX XXXX XXXX XXXX XXXXXXXX. They are from " Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' These letters are a violation of the pending restructuring taking place at " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' I am not to be contacted. There is a criminal trial underway for bank fraud and I want to testify against many banks and government agencies which are bankrupt and embroiled in a massive scandal. Send future communications to : XXXX XXXX XXXX 

DO NOT CONTACT ME AGAIN! 

YOU ARE HARASSING ME! I HAVE NO ACCESS TO A BANK ACCOUNT DUE TO FRAUD AND BANK FAILURE. IT IS IMPOSSIBLE TO MAKE ANY PAYMENTS, AND YOU ARE CURRENTLY IN DEFAULT ANYWAY. I'M A CREDITOR OUT OVER A XXXX DOLLARS IN THIS ONGOING FRAUD. 

Since you are contacting me again despite the multiple cease and desist orders, I am requesting that you provide the XXXX footage of the incident I had at your affiliated entity today, where I entered the bank to remove a lock on my account and they called the police on me, and made a false police report where they told the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did this because I wanted to record audio of the interaction. I want to press charges against XXXX for the incident, and against the person who filed the false police report with the intent of having police violence done against me, XXXX XXXX.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NY)

For the last few months i been getting overcharged on late fees and interest charges.i am sending payments10 days before the due dates.but they keep stating they late or they didnt process the payment till after the date no mail should take 10 days.i has asked how they has arrived at these high charges i can account for about XX/XX/year> percent of charges but they has my cards at the max stating promotional charges.and it's so unfair.im being charged hefty interest fees and late charges and im never late.i was even told the late fees would be removed but nope bills went from XXXX range to XXXX plus range per month.i advised the companies of a identity theft and the could care less no one has tried to rectify these charges.and even thou they were not all mine i has tried to save my credit score but these companies lately seems like scams robbing the poor
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I have noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on XXXX as an auto loan and not an installment account. The balance is showing {$3600.00} on XXXX and {$3600.00} on XXXX and Equifax. The terms are 51 months on XXXX, but monthly on XXXX and Equifax. It was last reported on XXXX different dates, XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX on Equifax. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. There is also an inconsistency with the way the comments on the account are placed between XXXX and Equifax. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from XXXX creditor, then why are all three credit bureaus reporting something different? Please delete this account from my Equifax, XXXX, and XXXX credit reports for inaccurate and unfair reporting.
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This debt is not present on XXXX or XXXX. This debt was already removed from both reporting agencies due to the debt not belonging to me. You have continued to illegally report a false debt and have refused to resolve the issue after 15 disputes. This debt has no proof of signature, no identification that relates to my current information. You have refused to run a FCFA dispute and have refused to resolve the issue after multiple calls and letters. THIS DEBT IS NOT MINE AND SHOULD OF BEEN REMOVED FROM XXXX XXXX JUST LIKE THE OTHER REPORTING AGENCIES
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Re : Account Number XXXX To Midland credit XXXX I am writing to formally notify you that I have no knowledge of the account referenced above and believe this account to be fraudulent. I have never opened or had an account with Midland Credit Management associated with this number, and therefore, I am disputing its validity. 

Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am exercising my rights as a consumer to refuse to pay a debt that I do not owe. According to this law, once a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all further communication. 

I request that you immediately remove any and all information regarding this account from your records and cease any further communication with me regarding this matter. Additionally, I demand that this fraudulent account be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) as it does not belong to me. 

Please provide written confirmation that you have received this notice and that the above-mentioned account has been removed from your records and the credit bureaus. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (FL)

i guesss because im a lil XXXX, have a XXXX alot of companies try n treat me any type of way. im just name just a few but its alot more compaines. 

1. i have a account with with XXXX n it was XXXX took fromiaccouits hard to said XXXX but when i called XXXX XXXX they didnnt know what i was talking about. 


2. XXXX XXXX XXXX XXXX give me a hard time, money be missing and account open n they dont know what im talking aboout. 


3. XXXX XXXX give me a hard time to have access to account, i give them my id mail with address n still wont let me get back in account. 


4. is money liion, i bank with them for the longest, n XXXX came missing from my account, i dont work n have a XXXX n a single parent n thats all money i had, i tried to reach out n they laughing and being funny thinks its a joke acting like they cant hear me. n said they done with investigating, i called because i received notiication reguarding dispute, n i was wondering i didnt reiece a alert about my money. i even spoke with a manger n i think his name was XXXX. he was rude too. i dont thinlk they are american, probaly XXXX. i look the company up. i told them i spoke with XXXX  n they said they didnmt take it out my account to call money lion. im scarfed they more money out of my account. can someone please help me.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (AR)

I had a Chase bank credit card, I paid it off, and closed my account. 
I got a call from someone from Chase, saying that someone had opened a Chase account using my SS #, and had made charges on it,, asked if it was me or someone I knew in Florida,,, I said No! My Chase account is Closed, she gave me a Case # XXXX and transferred me to Consumer Financial bureau his name was XXXX and he gave me the Phone # XXXX,, he looked up my Case # and we went through All my credit cards that had been paid off and he fixed them for me,,, and said everything is Good now, put a lifelock on my credit,,, this was Well I get another call today ( which is about 3 days later ), someone saying I have fraudulent charges or someone has opened a Chase account using my SS # again,, I told her this was Suppose to be taken care of and told her who I had spoken with,, and she hung up!
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Self Financial Inc. (CA)

I was promised an " INSTANT CREDIT SCORE BOOST '' AND NEVER EVER EVER RECIEVED ONE FROM " SELF '' ..I last used the card in XXXX of 2022 and each month i am charged a " purchase interest fee '' of anywhere from {$12.00} to {$17.00} IN ADDITION TO MY MONTHLY PAYMENTS. THIS company has my score at XXXX and is STILL TELLING ME " LETS FIX IT ''! Maybe if they fixed it AS ADVERTISED AND PROMISED I would have it fixed! This company has my score lower than ALL THREE CREDIT AGENCIES and their system rejects my AUTOMATIC payment ( LINKED TO MY BANK! ) when submitted THEN charges me A LATE FEE AND THE SAME PAYMENT THE NEXT DAY!
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC (GA)

PB Capitol group has contacted my mother on several occasions to discuss a debt that I have not been directly advised of by them. On XX/XX/year>XXXX  this office contacted my mother and discussed all details of a debt including amount, details and intent to sue. None of which has been disclosed to me. This is in direct violation of my rights and an illegal practice according to the fair debt collection practice act. I formally request that pb capital cease these illegal collection efforts immediately.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

CUSTOMER OWED ME MONEY FOR SERVICES SENT ME A XXXX. AFTER I RENDERED SERVICES THEY CALL TRUIST  AND SAID THAT THEY DID NOT KNOW ME AND STATED I FRAUD THEIR ACCOUNT ONLY FOR TRUIST  TO RETURNED THEM THEIR MONEY AND CLOSED MY ACCOUNT AFTER 24 YEARS WITH THIS BANK. I SPOKE TO MANY DIFFERENT CUSTOMER SERVICE REP AND XXXX DEPARTMENT THEY CLOSED MY ACCOUNT WITHOUT AN EXPLANATION OR ALLOWING ME TO PROVE THIS PERSON SIGN A CONTRACT WITH ME AND SHE SENT THE XXXX AND I HACE DOCUMENTATION. I HAVE CHECKES OUT ON THAT ACCOUNT AND MISC ITEMS COME OUT OF MY ACCOUNT THIS IS DEVASTING HOW TRUIST CAN CLOSED A ACCOUNT OVER LIES MINE YOU THIS PERSON HAS MY PRODUCTS. PLEASE HELP ME .I DONT WANT THAT ALLEGELY FRAUD STATUS ON MY ACCOUT WHEN I DID NOTHING.
Consumer complaint received 2024-08-26
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. (MS)

I will not stop with my complaint until something is done this was wrong and it was already removed from my credit report in XXXX  because this is a third party company they went and garnished me WITHOUT my knowledge or proper documentation was NEVER GIVEN TO me to so no one personally looked at it.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (OH)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$510.00}.
Consumer complaint received 2024-08-25
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: Resurgent Capital Services L.P. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt 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 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : LVNV Funding LLC bal. {$2100.00} XXXX XXXX XXXX XXXX XXXX. {$1600.00} XXXX XXXX XXXX XXXX. {$420.00}