davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. (IL)

I have spoken to 5 people in the Dispute Dept. XXXX XXXX XXXX XXXX XXXX XXXX. None of them refunded the {$450.00} due to the merchant, as I authorized. A Dispute Dept. manager XXXX XXXX ) who I spoke to on XX/XX/XXXX gave me inaccurate info stating that the merchant would have the refund on XX/XX/XXXX. I have a piece of furniture that was delivered damaged which is being promised to me to be replaced by the merchant, but they want their {$450.00} paid to them first. Visa 's Dispute Dept. was told by me and my husband on XX/XX/XXXX to release the disputed amount and even when I spoke to 4 other people in the Dispute Dept. on XXXX XXXX XXXX XXXX XXXX XXXX nobody did what I instructed/authorized and then when I finally asked for a supervisor on XX/XX/XXXX, the employee I talked to said a supervisor wouldn't tell me anything different. I had to tell that employee twice to get me a supervisor. The supervisor gave me incorrect info according to the supervisor I spoke to on XX/XX/XXXX who also told me there was nobody else to escalate this issue to and now the merchant has to wait until possibly XX/XX/XXXX to get their money which means I have been waiting over 59 days for the issue to be resolved through the Dispute Department which they have failed at on now 6 different calls. I want someone to get to a high level executive at Chase Bank Visa where this credit card is from and make them aware of the lousy way this has been handled.
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NJ)

Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX  XXXX, Iowa XXXX Subject : Formal Complaint against NATIONAL CREDIT SYSTEMS Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Systems for egregious violations of my consumer rights, as protected by the consumer Financial Protection Act. It has come to my attention that National Credit Systems placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alledge debt. 
I hereby declare my revocation of all communication channels with National Credit Systems, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair CreditReporting Act ( FCRA ), i am formalyrequestingthat National Credit Systems provide a purchase orderagreement between them and the original creditor. I am particularlyconcerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If National Credit Systems is unable to produce this documentation, i demand the immediate deletion of the account from my credit report. 
The date on my consumer report indicating that i opened an account with National Credit Systems is balantly false. I neither received any services or products from National Credit Systemsnor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infriges upon my cosumer rights.

Moreover, it has come to my attention that National Credit Systems is not licensed or bonded to collect debt in my juridiction .This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 
The actions of National Credit Systems constitue clear violations of the 12 CFR 1006.34 ( d ), 12CFR 1006.34 ( c ) ( 4 ) ( i ), 12CFR 1006.34 ( b ) ( 5 ), and 15 USC1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and i trust The Consumer Financial Protection Bureau will thoroughly investigate and adress these infractions. 
Please keep me informed about the progress of this complaint, and i appreciateyour attention.
Consumer complaint received 2024-05-23
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: Levy & Associates, LLC (OH)

Levy and Associates are attempting to collect on Time-Barred debt and are in violation of the Fair Debt Collection And Practices Act which prohibits suing on time-barred debt, collecting more money than what is owed on the debt, and failing to notify the consumer of court dates and providing a validation letter. 
1. Levy and Associates have placed a judgment and lien on the consumer 's property without providing the consumer notification of court dates to dispute the debt.

2. The consumer has not received a validation letter from Levey and Associates.

3. Levy and Associates are attempting to collect more than what is owed on the debt.

The consumer reached out to Levy and Associates and spoke to a customer service representative who stated the debt in question was purchased from XXXX XXXX XXXX, the original creditor was XXXX XXXX, and the amount owed was {$1800.00}. 

According to the consumer 's credit report, XXXX XXXX received the last payment on XX/XX/2016, and no other payments have been made since. This debt has been inactive for over 7 years. According to court records the debt is {$1100.00}, not {$1800.00}
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted and removed from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to remove these accounts and information.
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (CA)

TD Retail has accepted autopay and financed purchase of new phone. After receiving all payments for the loan, they stated that the account was paid off in XXXX and disabled the autopay without consent. There was still a service fee for the insurance monthly that was billed through the account which went unpaid due to autopay being disabled  and late payment emails not being sent. This impacted my credit score by over XXXX points and they have refused to assist in recovering my score. The payment has since shot up to XXXX dollars a month without reason.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CarMax, Inc. (MA)

I am writing this to bring attention to a concerning experience I had with Carmax, which has left me dissatisfied with both the initial sale and subsequent customer service. 

Upon purchasing a vehicle from Carmax, I discovered undisclosed damages to both the front and rear bumpers. Despite having to incur repair expenses myself, I chose to resolve the matter independently to avoid further complications. Subsequently, I faced financial challenges, leading to occasional delays in my payments. It's crucial to note that I maintained an impressive XXXX XXXX  on-time payment record. 

In my attempt to rectify the situation, I reached out to Carmax, requesting the removal of late payment records as a one-time courtesy. Unfortunately, the company has been uncooperative, despite acknowledging the deception during the initial sale. 

This situation highlights not only the lack of transparency in their sales practices but also a refusal to accommodate a loyal customer facing genuine hardships. I am reaching out to the XXXX XXXX XXXX  in the hope that you can facilitate a resolution and ensure fair treatment for consumers.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 1st Franklin Financial Corporation (PA)

Date : XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  CC : XXXX XXXX XXXX   Consumer Financial Protection Bureau Federal Trade Commission Georgia Office of Attorney General XXXX  XXXX  XXXX XXXX XXXX XXXX / Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX  To : 1st Franklin Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX  RE : Failed to respond to FACTA ACT FCRA 623 Letter Tracking number XXXX CFPB / Complaint Number XXXX XXXX XXXX on XX/XX/2018 I sent a FACTA ACT FCRA 623 letter via CFPB ( XXXX ) and certified mail with return receipt tracking number XXXX. As of today, it marks 30 days with no response, as per my letter I granted your offices 30 days to respond and your offices have failed to provide documentation that was demanded. With that being said, Ill allow you to go ahead and prepare a letter on your companys letterhead stating that this item be deleted at once and this deletion request must be forwarded to all three of the major credit bureaus and all parties carbon copied up above in this letter no later than 30 business days. My attorney will also will be awaiting a copy of the deletion request to be forwarded to his offices as well. Your immediate cooperation is needed at once.

Best Wishes XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Autovest, L.L.C. (MI)

I received a letter from the " XXXX XXXX XXXX '' stating that they were attempting to collect an auto loan debt for " Auto Vest L.L.C. '' in the amount of {$10000.00}. 
On XX/XX/XXXX, I called XXXX XXXX XXXX and informed them that I had filed for bankruptcy and received a discharge in XX/XX/XXXX. XXXX XXXX asked if I had included their client " Auto Vest '' on my bankruptcy petition. I stated that I had not because " Auto Vest '' was not listed on any of the credit reports that I received from the XXXX credit bureaus. 
XXXX XXXX stated that because the Auto Vest loan was not listed in the petition, I was still obligated for the debt. I then asked how old this debt was and XXXX stated it was XXXX. I informed them that Michigan 's Statute of Limitations had expired. 
XXXX XXXX stated this debt was not subject to the statute of limitations because they had filed a lawsuit and received a default judgment in XXXX and the judgment was renewed in XXXX. I informed XXXX XXXX that I had never been served with any lawsuit or judgment renewal. XXXX XXXX stated that the Clerk of the Court was responsible for notifying me of these pleadings. 
I told XXXX XXXX that they were wrong because the Michigan Court Rules mandated that it is the attorney, not the clerk of the court, who is supposed to serve the opposing party ( i.e., myself ) with paperwork. XXXX XXXX then changed their statement, now saying that they did serve me with the lawsuit and the renewal. I stated that I never received anything and asked how could it be that I was receiving their letter about owing the debt, but I hadn't received anything about a lawsuit or judgment renewal. XXXX XXXX stated that they did send all the paperwork to me and if I wanted to " claim '' that I didn't receive it, I was free to do so. 
When I told XXXX XXXX that I would be taking legal action under the Fair Debt Collections Act, they stated that they didn't own this debt and were only collecting on behalf of Auto Vest. 
I recorded this phone call.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (NJ)

This correspondence is to notify GOLDMAN SACHS BANK that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, GOLDMAN SACHS BANK debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

This correspondence is to notify CAINE & WEINER that there is a fraudulent account being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''.

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, CAINE & WEINER debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CT)

I made a payment to one of my loans on XX/XX/2023. When I made the payment, the balance was {$3500.00}. I made a {$2000.00} payment. I received a confirmation email with a confirmation number. This is the only record I have of this payment as it is still not reflected on the servicer 's website under my account. On XX/XX/2023, the {$2000.00} payment debited from my checking account. Days later, my servicer claimed in my account history that a " customer refund '' in the amount of {$2000.00} was credited to my account on the same day my loans had been disbursed, XX/XX/2023. After this, the balance of the loan I made the payment on was {$1400.00} If this was the balance on XX/XX/2023 when I initialized the payment, I would not have been able to pay {$2000.00}, as the balance was lower than that. I have not been able to get ahold of my servicer through email, live chat, or phone. There is no record of my payment on the servicer 's website. In the meantime, I am out {$2000.00} and my loans are accruing interest that they should not be. Today I was put into a call back queue when I tried to call their customer service line. After several hours I finally received acall just to have the representative disconnect the callbefore I could even address the issue. They claimed they were " pulling up their system '' and then the line disconnected. I called back and was placed back in the queue at XXXX. I never received a call back.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (FL)

I received a rapid refund loan from XXXX to my Credit Karma account. Ive been with Credit Karma for three years. All of a sudden everyone seems to have their account close on XXXX of XXXX and was told that they were mail the remaining balance to the address on file. I have to wait 7 to 14 days. I recently moved in XXXX from the address on file but I still have access to the mailbox and I also did mail forwarding EITHER or 7-14 have pass and I still havent received my {$3700.00} I contacted credit karma over 20x and received the same response we have escalated your case to the highest department. Somebody will reach out to you by email over 3 weeks and I cant even get a answer on wheres my money wheres my check or let alone a simple change of address after I sent it my ID and my most recent utility bill I just keep getting the same response over and over but no answer I decided to go on XXXX and XXXX and found over 100 people that having the same issue that after the receive they loan they account close with the excuse of 60 banking regulations they can close the account.im currently on XXXX XXXX and I have to return back oversea in XXXX and I want to get this handled get some answers and be done with CK for good I filed my taxes with that same account for the pass 3 years and never had a issue until now so I have to deal with the IRS also cause my account is close and I used it on my taxesnow sure cause its the XXXX XXXX dollar lawsuit there facing or its a bigger picture we know nothing about since its me and so much others trying to figure out why our close all of a sudden after we apply for the refund loan but I have bills and XXXX kids to take care of and I cant risk just to lose {$3700.00} like can you please help me get answer to my missing money THANK YOU PLEASE
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I am filing this identity theft report in response to the derogatory remarks that XXXX XXXX and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with DISCOVER BANK. However, DISCOVER BANK is reporting a fraudulent account to the credit reporting agencies with a balance of {$20000.00}. Immediately after I noticed this account, I contacted XXXX XXXX. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that DISCOVER BANK can remove the fraudulent and derogatory remarks they report on my credit report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NC)

Im a victim of identity theft someone use my identity to create these accounts on my credit profile I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, ccuracy elevane. and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information.

15 U.S. Code 1681e - Compliance procedures ( 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.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MD)

My family and I had our names, social security numbers, birthday, and bank account numbers and routing numbers leaked on the dark web. People have been taking money out of out bank accounts and opening credit cards and using them. We went to XXXX XXXX XXXXXXXX last week and changed out bank account numbers but people have been taken out thousands of dollars. Thankfully, XXXX XXXX XXXX refunded us. The credit card companies are still charging us. 


These are the credit card companies. 
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