davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (PA)

I am writing to formally dispute debt collection account listed in my report which I believe were fraudulently opened without my consent. 
As a XXXX XXXX, I was in the United States like a XXXX XXXX XXXX in XXXX, during which I obtained my Social Security Number. However, I departed from the US in XX/XX/XXXX. I returned to the US under the XXXX for XXXX program on XX/XX/XXXX ( attached below is documentation of my entry and exit from the US border ). 
It has come to my attention that i have a debt account listed under my name in my credit report, which I did not open ( {$9.00} ). 
I have already written to the collectors and XXXX XXXX credit bureau about this account, but this account has not been removed from my report. I kindly request that this account be disputed, closed, and removed from my report promptly. This action is necessary to ensure that I can begin building my credit history in this country and proceed with opening a debit card and pursuing employment opportunities without further hindrance. 
Thank you for your attention to this urgent matter. I look forward to your swift resolution of this issue.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

Chase closed my business account and froze the fund available ( {$49000.00} ) in XXXX. 

Upon discovering this, I called up the customer support who asked me to collect the final check for {$49000.00} from a Chase branch. On XX/XX/year> I went to their branch at XXXX, PA and provided all the verification they needed ( ID proof, proof of business ownership, etc ). After verifying the proofs, the branch said that the check can be expected in 4 - 5 business days. However, the check did not come through until XX/XX/year>. I kept visiting the branch and calling the customer support several times. 

On XX/XX/XXXX, I was asked to call the fraud protection line ( XXXX option # XXXX ). When I did so, I was informed that my ownership was not verified. I provided the details of the documents I had submitted at the branch on XX/XX/year>. They finally located the ownership proof and placed request to issue my check. However, it did not come through until XX/XX/year>. I have been following up since then with no result until now. My {$49000.00} is still held by Chase. 

Yesterday, after nearly 3 hours on the phone with the fraud protection line ( XXXX option # XXXX ), I learnt that they needed to verify the customer who paid the business. I provided two contact numbers of the customer who paid the business. But, Chase declined to call them for verificaiton as the contact numbers I provided did not appear in their " Risk Tool '' as being owned by the client. 

Now, I need to solve the puzzle of which contact number of the customer would verify in Chase 's " Risk Tool '' before I can get the final check. 

I humbly request you to intervene and help me receive the fund earned by my business. We are a small business and our employees and contractors must be paid out. This is hurting the business and causing serious reputation damage. It is also causing mental agony and frustration that hard earned money is being looted by Chase through this organized fraud. 

I am happy to provide all attachments necessary to prove any part of the claim above. Thank you very much.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I was affected by fraudulent and deceptive practices.

1. I was charged for a maintenance warranty service, which was added to the sales price. This illegally over capped my interest rate..

2. The car dealer documented the wrong mileage on the service contract, causing the service plan to be void. No licensed mechanic would service the vehicle. Making repairs impossible.

3. I was charged excessive add-on fees.

Due to Credit Acceptance plethora of lawsuits for fraud and deceptive practice against their consumers. I am giving Credit Acceptance a chance to correct this critical situation.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

The following inquiry was unknown to me. The furnisher was unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed :
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back In 2020, During the pandemic I called into Capital one Auto finance to make my very last Car Payment. But because of the pandemic the customer service rep. that was assisting me at the time stated that I didn't have to make the payment because of the Covid 19 relief that Capital One was extending to all of there customers. But since that date Capital One Auto Finance has been dinging my Credit Report Ever since. 46 Months of Charge Offs being reported on my account, for 4 years. this not only obsessive but abusive behavior.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

Jefferson Capital System has a collection on my credit report for {$890.00} but i only owed the original credit card company ( XXXX  XXXX ) {$330.00}. I have proof of this. I also had an insurance policy with XXXX  XXXX and I informed them when I lost my job and they indicated to me the payments would be taken care of and next thing I know, I have a collection on my credit report.
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

I received a text message about a debt collection. I clicked the link to see what it was in reference to. It said it was a debt being collected by XXXX XXXX XXXX in the amount of {$1400.00} ( i believe was the amount- I don't want to click the link again ). I do not have XXXX XXXX XXXX and never have. When I called the number to dispute the debt, they said it was for a cellphone ( number XXXX ), associated with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX . They also said that the account was opened on XX/XX/year>, and delinquent as of XX/XX/year>. I have never had this phone number or lived at this address. 

They gave me a number for the fraud department of XXXX and told me to call it in an hour because there was no one available at the time I called and to try back.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

on XX/XX/2024 as I was looking over my credit report I discovered American Express is reporting inaccurate information on my credit report to all 3 bureau 's. Due to American Express reporting inaccurate information on my credit reports I am requesting the account to be removed from all 3 credit bureau 's. The account was charged off and closed but American Express is reporting the same balance on all 3 credit reports and a different credit limit on all 3 bureau 's for an account that is listed as closed that is inaccurate information and needs to be removed ASAP.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE FRAUDULENTLY OPENED THE FOLLOWING INQUIRIES IN MY NAME IN ORDER TO OBTAIN CREDIT FOR A CAR LOAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2024, I authorized a payment to Comenity using my routing and check number. However, the payment was later rejected, and I only became aware of this issue when I received a call from a private number claiming to be a representative from Comenity Bank, asking me to pay a late fee. 

Upon contacting my bank, they confirmed that there was no record of the payment being rejected. I subsequently reached out to Comenity and requested written documentation of the rejection or any attempts to notify me earlier, including mail and phone call records. Unfortunately, the representative I spoke with, XXXX, stated that this is not their procedure and refused to assist further, suggesting that it is my responsibility to resolve this with my bank.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: INDEPENDENT BANK GROUP, INC. (TX)

I opened an account with Independent Financial Bank on XX/XX/XXXX, assuming I would receive {$300.00} after having {$1500.00} in direct deposits. I had sent {$1500.00} worth of direct deposits on XX/XX/XXXX, expecting to receive {$300.00} shortly afterward. However, that did not happen as they closed my account without communicating or sending me the {$300.00} for a new account bonus. I am requesting that the bank pay me the {$300.00} new account bonus and reinstate my account.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Hello, I am writing to formally dispute a charge on my XXXX XXXX credit card account. The amount in question is {$480.00}. 

The reasons for my dispute are as follows : XXXX. **Lack of Knowledge : ** I have no record or recollection of this charge. I have not authorized any transaction for this amount, nor have I received any goods or services corresponding to this charge. 
2. **Verification Request : ** I request that you provide detailed information and documentation to verify the legitimacy of this charge, including the date of the transaction, the merchant involved, and any supporting documents.

3. **Excessive Communications : ** In addition to the lack of knowledge about the charge, I would like to dispute this amount due to the excessive calling and communications beyond what is considered reasonable. I have been subjected to an overwhelming amount of contact regarding this charge, which has caused undue stress and discomfort. 

I request that XXXX XXXX cease any collection activities related to this charge until this matter is fully resolved and the charge is verified. Please acknowledge receipt of this letter and inform me of the steps you will take to address my dispute. I can be reached at the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MD)

I've been trying to get my money back from Citi bank for about two weeks now. The first time I called they told me they could not help me since I no longer bank with them to go into a branch. I went to the branch to then be told I don't have a bank account and the refund would bounce. I waited a couple days called again and was told once again they could not help even though I had ARN numbers. I asked for a manger then was transfered to the XXXX line even though that is not what I asked for. I called again after that and was told once again they could not help me. I contacted the merchant and they said the refund was issued to original payment and they can't do anything about it. I have spoken to too many people with CITI bank and still no help. The ARN numbers : {$80.00} XXXX {$80.00} XXXX {$73.00} XXXX
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (TX)

15 USC 1666b 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.

I have never received mailed notices 21 days before the due date of any payments. I am asking you to provide proof I was mailed any notices 21 days before the due date with a tracking number or return receipt. If you are unable to provide evidence I was mailed a notice then these late payments are in violation of my consumer rights by law and must be reflected to show current or on time
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OH)

XX/XX/2024 Shellpoint Mortgage Servicing sent a letter again stating they havent received proof of insurance, which my insurance agent sent, plus Foremost sent as well. They are now telling me they will force place insurance on my home. 

This is the 3rd or 4th issue Ive experienced with shellpoint in the last year. Everything is a fight and its exhausting. They wouldnt cancel my escrow account even though I had 25 % down. Before that they wouldnt re-analyze the escrow account when I changed insurances. 

Now they cant even process an insurance declarations page!
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (MS)

I keep receiving denial emails from CashNetUSA to which I have never applied. Furthermore the denial email states I was denied because of previous applications or loans. I have not done business with this company nor have I applied for a loan with this company in the past several years
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEMS is furnishing and has been furnishing on my account illegally. I have disputed over and over with the original account reporting as a charge off... which I received no 1099C for so now tax fraud is involved. This company has no permissible purpose to contact me, have my information or take adverse action against me. Is your company acting as the purchaser or the " assignee '' because acting as both is another violation. I am being harassed with this account on my report. I have been denied due to this unauthorized activity from NATIONAL CREDIT SYSTEMS. They continue to re-age the account anytime it is disputed with no updates causing further harm. They are misrepresenting themselves " as collecting on behalf of ''. Are you the owner of the debt? you interloped into my business unauthorized and are now trying to harm and threaten me into paying something I don't owe OR owe to your company. Your company has NOT validated any alleged debt yet continue to furnish, There were no purchase agreements or original documents with my signature or agreement with NATIONAL CREDIT SYSTEMS.
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (TX)

On XX/XX/XXXX I contacted XXXX and told them my bill has over 3 lines on it and I only have 1 phone line with them that is completely paid off, after trying to get more understanding of why my bill has inaccurate information I was threatening by the representative stating the bill will go to collections if I dont pay. I payed {$180.00} and closed my account. A few months later I see that same account show up on my collection account bought by another creditor named Radius Global Solution for the amount of {$470.00}. After a number of calls by this collection company harassing me, I told the collection company to stop calling me which did not cease.I sent over a debt validation letter on XXXX XXXX, 30 days later I did not get a response. I sent a second letter and as of today XX/XX/XXXX. I still havent received a response. According to The FCRA, 15 U.S Code 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collected to seize further communication with the consumer. The depth collector shall not communicate further with the consumer with respect to such that. My rights have been violated and I want this collection removed off my account.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (GA)

The XXXX XXXX XXXX XXXX with Comenity Bank advertises two introductory offers, a {$50.00} store code and a free game ( up to {$75.00} ) when you spend {$500.00} within the first 60 days outside of Sony 's store/website. I applied for this credit card on XX/XX/XXXX last year, the weekend after XXXX, and I activated this card on XXXX when I received it in the mail. I immediately started using the card on XXXX and made {$500.00} of purchases outside Sony 's store/website by XX/XX/XXXX. I first contacted XXXX XXXX ' customer service on XX/XX/XXXX about not receiving either of the $ XXXX {$75.00} introductory offers. I called them back later that week because I never received any email confirmation from having contacting them the first time on XX/XX/XXXX. They generated a case # XXXX and escalated it at this time ( approx XX/XX/XXXX ). I called them back on XXXX and again on XXXX asking for updates, but they have not been able to provide me with any update other than that they are aware of some kind of issue where some customers may not be receiving their store codes/introductory offers, and to keep waiting. They are giving me the runaround ; I should have received these introductory offers months ago.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA ()

I have a been a customer for Apply Card for years now, my father passed away and i was going threw a rough time. I always paid my card they can check my history and credit. they where asking for a minimum payment of XXXX and i did the right think like always and that is pay my full balance and that was XXXX. My credit limit is XXXX then i waited i made the payment on the XXXX of XXXX and they said your credit of XXXX should reflect on the XXXX. Today is the XXXX and i checked and my credit limit is XXXX they said that this is a measure they took. I called and explained to them and nothing they did not take into consideration my situation and that i needed the credit line. Imagine being over sees and you have just paid your credit card in full to suddenly discover they only gave you a credit line of XXXX when you where expecting XXXX. 

The company is Goldem Sachs FOR apple card services and i hope they resolve this. i told them i am willing to email you the death cirtificate of my Dad and i am not lying here.
Consumer complaint received 2024-07-01
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. (MA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$320.00}. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX