davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Central Holdings, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights. A voicemail was left on my answering machine and they called frequently from a private number. They was rude and stalled against me, my rights were violated.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OK)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NC)

Request for Certification of Accuracy of Information & Wet Signature of Application on the Account XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) The Federal Trade Commission ; The Consumer Financial Protection Bureau ; The Department of Justice I have never authorized an account with Jefferson Capital, I need wet signature of application this is erroneous. And, I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Bliley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, whether electronically or in writing, especially frivolous information. It is my understanding that IC SYSTEM is sharing information under false pretenses. Until it is validated, your information concerning this debt is inaccurate, not just a computer printout on this debt, which is in violation an if not removed, I will seek further actions against the debt collection agency
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, Section 604 ( a ) ( 2 ), I have the right to privacy, and a consumer reporting agency can not furnish information about my account without my written consent. Additionally, under 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. Please update my records to reflect that I was not late for the payments in XXXX, XXXX, and XX/XX/year>. I request that you correct my credit report accordingly. Thank you for your prompt attention to this matter. 

Account number XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I recently received my credit report from XXXX and the IRS stated that a charge-off is forgiven for less than the amount owed, cancelation of debt may accur if the creditor can't collect, or gives up on collection, and they file on there tax return as a loss! So how are you XXXX XXXX XXXX reporting ( income ) on my canceled debt of XXXX XXXX XXXX XXXX XXXX XXXX this amount is absolutely not accurate please explain
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (AL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ One Main  ] [ l XXXX : [ One Main  ] [ {$0.00} ] XXXX : [ One Main  ] [ {$9700.00} ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. Several inaccuracies.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

A company called my sister looking for me saying I have to call them about a legal matter and then gave a case number. I called the number back on XXXX XXXX and was told to speak to XXXX. ( XXXX ) XXXX. After speaking with her, she told me that I owe on a credit card. I told her I thought that was paid off. She said it was from XXXX  and I need to pay XXXX now and then XXXX per month for 24 months to settle or I will go to court and I will have to pay legal fees and possibly have my garnishes taken. I received a docusign that I signed since she said I had to do while on phone with her. I gave my debit card. Since that phone call, I learned that several people have gotten the same letter with same letter head and also called a family member first. They say that they are XXXX XXXX with phone number ( XXXX ) XXXX. Address XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XXXX I called XXXX who they said I owed money to, and spoke with XXXX and she said their records dont even go back that far and they arent collecting a debt on me and its probably a scam. I called number back on XXXX to let this company know I already paid this debt and I dont have anything on my credit report and that I was going to report them. No one answered and it was just a regular voicemail not a voicemail of a law firm. I then called my bank and cancelled my debit card to avoid any transactions trying to be taken my this so called company. They have my address now, my phone number.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (MN)

I am having an issue getting my consumer report from Early Warning Services. I want Early Warning Services to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XXXX XXXX : XXXX
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (CA)

Hello, I reached out to Roundpoint Mortgage on multiple occasions to remove PMI based on XXXX XXXX XXXX borrower initiated PMI removal criteria ( linked below ). I've mailed the requested form in on multiple occasions, as well as emailed it ( most recently ). When I call them, they state that department does not have a phone number or email, and they will reach out to me ( which they never do ). I also emailed them the form over a moth ago, still no response. 


XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

in XXXX, I called and asked the representative why my checks go on hold for 10 Business days, She said once my account is over 60 days old they wont be held. 

On XXXX i submitted a mobile deposit and was hit with the same deposit hold. I called, the first representative informed me that they didnt know why it was on hold and wouldnt send me to the member resolution department because they were closed, even though they were open according to another representative. She filed a complaint with the claim number XXXX The second representative informed me that it isnt 60 days it is 120 days until my checks instantly clear. Which is ridiculous i have never had an issue like this at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX Oklahoma. Just USAA. 

The Federal reserve sets a limit of 7 business days for a check to be made available, i had had to wait over 10 days in different situations for my funds to clear.
Consumer complaint received 2024-08-07
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: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/year> I purchased some clothes from XXXX. However, I ended up returning the order because the wrong item arrived. XXXX assured me that it would be okay and I would receive a refund. Fast forward, today as I am writing this complaint, I still have not received the refund promised to me. I have tried to resolve the issue with Amex several times but have been unable to reach anyone who would be able to help and take this dispute seriously. The latest attempt has been under reference # XXXX but seems like all of these disputes are closed without Amex looking or hearing my side.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Hello! 
Chase closed multiple credit cards of mine with them without notice. I have been a long time Chase customer with no issues. Reason was multiple disputes? I dispute only reasonable and wrong charged made on me. I travel every month so things do go wrong quite often. I was told all different things from different Chase reps XXXX said I could open a card again in 30 days/ next billing cycle with no issues. I attempted XXXX times and every card was validated and opened for XXXX days then closed again. This negatively impacts my score. It is ludicrous that they accept my application, allow me to spend, and then a few days later they close my account. XXXX times already. I also gathered points from these cards that seem to be taken away now. XXXX extremely upset.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (IL)

I opened my Marcus by Goldman Sachs account on XX/XX/XXXX. I received a welcome email on XX/XX/XXXX. I then added my XXXX savings account to transfer money to my XXXX  with Marcus. It took a couple days for Marcus to verify the bank account with me. On XX/XX/XXXX I received an email from Marcus saying they received my {$6000.00} transfer from my XXXX savings account to my Marcus XXXX. On XX/XX/XXXX I logged into my Marcus account through the App and realized they had opened XXXX XXXX for me so I closed one. I received an email confirmation that one of the two savings account was closed on XX/XX/XXXX. I looked on the app and they did close XXXX account and I still had the {$6000.00} in the other which is what I wanted. On XX/XX/XXXX I received an email from Marcus that the delivery of my statements was changed and if I did not do this to check my account and contact them. On XX/XX/XXXX I logged into my app because I did not request a change and when trying to log in with Face ID I was locked out. A screen saying I was locked out and to call them to unlock it popped up. I called Marcus as soon as that happened on XX/XX/XXXX. I talked to two people. The first woman transferred me to a man who said he could not authenticate the account and he will contact the review team to give me a call. I then ended that call. On XX/XX/XXXX I called back again to see if someone else could help. Again, I talked to two people and the outcome was the same. They said the review team would contact me in XXXX days and they have still not contacted me. I also asked why I am locked out and why they can not authenticate the account and they said they could not tell me. I then asked if the money could be transferred back to my XXXX  account it came out of and I could close the account and they said they can not do that until my account is unlocked.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (NV)

In accordance to the fair credit reporting act this creditor has violated my rights, under 15 Usc 1681 section 602 states I have the right to privacy! 15 usc section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions! Under 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.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I met all the criteria to be eligible for XXXX credit card points. They said if I activated the pay overtime feature, I would be compensated with XXXX bonus points. I reached out today asking where my XXXX points were and they told me there is no such offer. I have proof that I applied for the offer and that it was there, I dont understand how a consumer can just be lied to so that they can finance your debt easier. American Express Platinum
Consumer complaint received 2024-08-31
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$3300.00} - DATE OPENED XXXX Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX & XXXX XXXX XXXX XXXX BALANCE {$9100.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX BALANCE {$0.00} - DATE OPENED- XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 2024-08-06
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: JPMORGAN CHASE & CO. (IA)

XX/XX/2024 : I received a text from someone who I thought was my boss asking me to purchase a gift card for him, take pictures of it, and then send it to him. 

Also, XX/XX/2024 : Purchased a {$600.00} worth of gift cards from XXXX. I realized it was a scam after I sent the activated gift cards to the scammer. I didn't benefit from this transaction. I reported this to Chase ( XXXX, credit card ) and was assured I would not be responsible for the charge and issued a new card. In addition, I filed a police report with the XXXX XXXX Police Department. 

XX/XX/2024 : Chase returned the charge to my account and said they would not protect me from this scam. I disputed the outcome, Chase said there is nothing they would do to help. 

I'm very disappointed that they gave me so much credit on my limit and then did not protect me. I want Chase to cover the {$600.00} charge and any interest it accrued.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (GA)

I had applied for a Business account at XXXX XXXX  they opened it but, a few days later closed it because they had received some type of information from the Early Warning service. 
I contacted EWS for a report and they sent me a report that showed XXXX XXXX on my account numerous times. I then proceeded to send XXXX XXXX and EWS dispute letters asking for them to Validate and verify this account. I have sent XXXX XXXX Two dispute letters and they have sent back a letter stating that the information is accurate. I have sent Early warning Service three different dispute letters asking them to validate and verify this debt. 
They have also replied with a letter each time stating that the reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to our database. 
Under the FCRA SECTION Debt Validation : According to Section 809 of the FDCPA ( 15 U.S.C. 1692g ), within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector must send the consumer a written notice containing : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that unless the consumer disputes the validity of the debt or any portion thereof within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector. 
A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
A statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Debt Verification : If the consumer disputes the debt in writing within the 30-day period, the debt collector must cease collection efforts until it provides verification of the debt or a copy of the judgment. Verification typically involves obtaining and sending the consumer documentation that proves the debt is valid and that the consumer is responsible for it. 
I have asked them to send me a purchase agreement, proof of my signature, a copy of my photo something that shows proof that is my debt because I have no knowledge of this debt.
Consumer complaint received 2024-08-06
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: CREDIT ACCEPTANCE CORPORATION (MO)

XX/XX/year> I received emails from my XXXX account saying I had new inquiries so I checked it and I had 7 new and I have no idea what they are. I dont need a new truck. I called the ones that answered and they said it was done online with my social and other sensitive information.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for an American Express card and was approved for {$1000.00} limit. I applied for the American Express gold card and I got a message saying that it was processing. I received a letter in the mail saying I needed to send verification of my home address, from my bank with a letter head and official stamp. I went up to my bank and spoke with a banker I provided them with the letter from the credit card company requesting address verification with letter head and official bank stamp. They gave me a document that had everything that the credit card company asked for. I uploaded the documents I received from my bank and uploaded it to the American Express online account. I received the same request in the mail from the credit card company saying I needed address verification from my bank, which I already provided they also kept what I mailed them when I told them to return to my address. I feel discriminated against becasue they keep sending me the same request after I provide them with what they are asking for from the bank. Im also concerned about my privacy becasue they kept my original documents and bank statements and ignored my request for my docs back. I am also concerned becasue I have been a victim of identity theft and fraudulent charges to my bank account which I have had to open dispute cases. I have uploaded official bank letter, same repeated bank address verification request credit card company keeps sending. I am exercising my Rights under American Express equal credit opportunity act I uploaded on their notice these