davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On today, XX/XX/XXXX, I received the notification from XXXX credit report stating that XXXX reported My Account status XXXX within XXXX days. 

I called Capitol One customer service department and spoke to representative XXXX on XX/XX/year> at XXXX XXXX and confirmed the The last reporting status was on XX/XX/XXXX showing the balance of {$15.00} and that they did not send XXXX an additional notification for XXXX. The representative confirmed that they ONLY report to Credit REPORTS once a month based on the customer bill cycle. 
I confirmed that my billing cycle is the XXXX of each month. Therefore another credit reporting should not report until XX/XX/XXXX!! The representative stated that this appears to be an error with XXXX however XXXX receives information from the creditor. 

There seems to be an error on both sides and it needs to be corrected immediately. My credit card balance should not be getting reported twice within a XXXX day timeframe. I checked my other credit reports and it is showing correctly. 

My XXXX credit report should reflect my billing statement! 

Please view attached documents.
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: JPMORGAN CHASE & CO. ()

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 procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from LVNV Funding LLC XXXX, LVNV FUNDING LLC XXXX. By law I am owed proper credit reporting according to the FCRA. I never received written notification with a right to dispute this debt. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed immediately.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (RI)

I have {$1800.00} on my citi savings account. I got An email that my account would be transferred to the state if not claimed. I called and they said my account had been inactivated due to no activity in a while- my last deposit was last year but I log in all the time to my account and had no notice of my account being inactivated. I tried asking to reactivate they said you must visit closest branch in South Dakota ( I live in RI ), or wrote some notarized letter to have it reactivated. I want access to my money and I read others went through this same situation and could not access their money
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (FL)

I have problems paying off this credit card it will not take my payment they charge me for a late fee, keep stacking charges on there so I can't pay this credit card off reporting it to the credit bureau, it's an ongoing thing for 3 years my deposit was taken away! Interest charges is building up on the credit card and the account is closed
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

I have not supplied proof underneath the doctrine of estoppel by silence, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 L owe no debt, this company is violating my consumer right to privacy.This company has no permission to report my information per 15 USC 16814.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I'm writing to address a pressing issue with my credit file. I've noticed a collection entry from your agency that I was never previously informed about. I have serious concerns about the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. I am hereby exercising this right and ask that you provide the necessary validation and take steps to resolve this matter.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MECHANICS BANK (TX)

15 U.S. Code 1692c - Communication in connection with debt collection ( 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.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA (CA)

FNBO sent me a card not like any credit card I have its very unusable almost paper material card. They told me that the card was going to be to me the next day. This was a lie the next day was the XXXX of XXXX the card came on the XXXX. 

Its been close to decade of having this card my score went down XXXX points from the was they reported. This company should not be in the public domain. They harm consumers with unusual reporting. 

They a one start on the XXXX XXXX  website. They should not be allowed to harm consumers.
Consumer complaint received 2024-07-09
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MD)

Between the years of XXXX and XXXX I was enrolled in the XXXX XXXX XXXX XXXX. I was coerced into their deceitful practices as a minority that they had high graduation rates, employment rates, credible and transferable classes. I was told I would have all federal loans ( At the time FFELP loans ) and was pressured to get massive loans to go to the now closed school, the XXXX XXXXXXXX XXXX XXXX. During my tenure there, the classes were horrible, nothing was really being taught. I could not transfer out because their credits were not accepted at other school so was forced to try to finish. Eventually, had to withdraw due to ongoing issues with the school and financially debt they put me in. I received no value for the the predatory loans that were given to me during that time. Art institute has be in lawsuits by multiple states and class action. I have received a portion that was held by this predatory practices back as a refund and I am requesting the remaining amount held by Navient regardless if my loans have been paid off by me. Navient is fully aware of the Art Institutes having these predatory issues and have acknowledged " that our new School Misconduct process is based on the Holder Rule, which provides that if the borrower has a legal claim against a school, and if the Holder Rule applies ( which it only does for some private student loans, notably direct-to-school loans to students attending for-profit schools ), the borrower may assert such claims against the lender. As noted above, the Holder Rule applies to direct-to-school loans. ''
Consumer complaint received 2023-04-22
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. (MI)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$1200.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$480.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$720.00}, ( Original Creditor : XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NJ)

I was XXXX day passed due on paying my bill for XXXX XXXX XXXX XXXX 2023. The company reported 30 days late on my report and they closed my account. I filed a dispute with XXXX to get the company to lower my payments. I paid what I could towards the balance but could no longer afford it as I am unemployed waiting for my benefits to get approved while I am looking for permanent employment. Today XXXX XXXX predatorily reopened the credit card then without my knowledge reopened my 2023 dispute from XXXX and reported more late payments. Then today re-closed the credit card account which without notifying me by email, mail or voicemail. I wasn't aware of this investigation which leads me to request a resolution with the grantor.
Consumer complaint received 2024-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Caine Weiner Progressive is trying to collect a debt that is not mine in the amount of {$150.00}. Caine Weiner never contacted me about a debt or the collection. Caine Weiner made no contact with me and I'm not able to judge the accuracy of that debt.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I have sent this company LVNV funding LLC a cease and desist to this company regard debt of {$200.00} this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter this company has also to found to impose a collection agency when it is listed that this company is not legally blind and or insured to collect in the state of Georgia. please have this company cease all collections activities this is my last attempt to complain outside of court
Consumer complaint received 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC (SD)

On XX/XX/year> I received a notice via email from Jefferson Capital about a alleged debt from XXXX XXXX. 
I do not owe any money to XXXX and have been trying to get that cleared up. 
Jefferson Capital is third party debt collector who buys up debt for pennies on the dollar. 
Jefferson Capital business license in SD does not specify that they are a collection agency also. 
I will file a small claims complaint against Jefferson Capital and XXXX XXXX for harassment. 
I will file this is my local jurisdiction which is located on a XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

After withdrawing cash from an ATM located in the XXXX XXXX XXXX XXXX XXXX using my Wells Fargo debit card, two fraudulent transactions appeared on my statement. One transaction was completed at the XXXX XXXX XXXX for {$200.00} ( later appeared as {$230.00} after tip ) and one transaction occurred at a XXXX ( location unknown ) for {$1200.00}. The charge at XXXX was flagged by my bank as a fraudulent transaction and denied but the charge at XXXX XXXX XXXX was successfully charged to the card. I did not authorize the use of the card at these locations and quickly deactivated my card. It is unclear if the perpetrator stole my debit card information from the ATM or used my debit card fraudulently without my consent. I no longer have my debit card on me so it must have been stolen or lost. I also received a notification from the bank alerting me that these transactions were identified as possible fraud. I filed a report with Wells Fargo to recoup the {$230.00} from the fraudulent transaction. After a few days, I received a notification stating that the bank did not identify the transactions as fraud. I asked for a copy of their report, a detailed time-stamp of the transaction times, none of which were provided to me. It is unclear if Wells Fargo even contacted the vendor for more information. The extent of their investigation is unknown.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

Jefferson Capital Systems is reporting a debt I do not owe. I have tried to have this corrected by Jefferson Capital System, and XXXX, the original creditor. They changed the account status to closed on my credit report, then mysteriously listed it as open a few weeks later.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (TN)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$1400.00}
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

The debt that the company is trying to collect is a debt that is not owed the charges made on the account is a form of credit card fraud I do not recognize this account and would like for it to be removed from my credit report
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SF VAGO, LLC (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (HI)

On XX/XX/2024, my automatic payment failed due to a fraud alert on my bank card, which occurred at the same time as the scheduled payment. Consequently, the card was frozen, and http : //www.Self.inc, a self-funding credit builder account website, could not process the payment. After resolving the issue with my bank card, http : //www.Self.inc did not attempt to charge it again. Unaware that their policy was to disable the auto-charge feature automatically, five weeks passed, and http : //www.Self.inc reported incorrect information to the credit bureau. My bank account was never delinquent, and there were sufficient funds. I did not borrow money from the company ; all funds involved were my own. This incorrect reporting has severely damaged my credit report. When I contacted the company to address the issue, I was repeatedly referred to a call center in the XXXX without resolution. Eventually, I reached a supervisor in the U.S. who emailed me their policy on one-time auto-payment failures. I used this company to build my credit successfully, not to destroy it! The subsequent incorrect reporting to the credit bureaus set me up to fail.
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (FL)

Good Afternoon, On XX/XX/XXXX I was notify by the Internal Revenue Services that I was victim of Theft Identity. On XX/XX/XXXX I had an appointment with the IRS to resolve my problem. Since now I do not have a final resolution. In the mean time I check for my credit report and there are many hard inquires on my credit report that I did not approved and that's why I am requesting your assistance. 

This are some companies or inquires that I do not recognize : XXXX XXXX  ( car loan ), XXXX XXXX XXXX ( credit card ), XXXX XXXX XXXX XXXX ( car loan ), XXXX XXXX XXXX car loan ), XXXX XXXX ( car loan ), XXXXXXXX XXXX ( personal loan ), XXXX XXXX ( home loan ) XXXX ( home loan ) Thanks in advance for your help.