davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX - Portfolio Recovery Associates, Lic, XXXXXXXX XXXX # 1 It's illegal for a collection agency to buy your debt and come after you for it. 
You didn't consent to that. 
And they are harassing you. 
Pursuant To 15 USC 1692 # 2 Inaccurate Reporting They Have reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
# 3 Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. 
This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part. 
# 4 nothing without my permission belongs on my consumer report # 5 consumer law 15 usc 1692c this law states if you don't have community with the debt collector and they can't provide your signature for the debt and if they have misinformation on you then that debt should be deleted from your credit report this is your consumer rights
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-06-27
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. (GA)

Over the course of the past 2 years, I have been diligently recovering from identity theft by removing fraudulent information from my credit reports. 
XXXX respected my rights under the FCRA and removed the fraudulent accounts, inquiries, and information but Equifax and XXXX refused to and continue to further violate me and my rights. 

I am a victim of identity theft and have supplied my FTC and APPROVED police reports countless times. 
The only correspondence I have received was that " my signature was on documents so therefore its validated '' but this is frivolous because my information was fraudulently used. 

I am now left with no choice but to file this complaint and consider seeking litigation from both of these bureaus. 

I have attached my police report and dispute letters that I have sent.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

I called the phone number on the back of the card and spoke to a lady that ask verifying my identity which I gave her and she went through some questions about some purchases I made and i confirmed them. After that she said I was good to make other purchases. I tried the next day and the purchase was declined. The dates were XXXX and XX/XX/XXXX of XXXX .The amount of the purchase was {$3400.00}. our credit limit is {$10000.00}. When I called back the next day I was told they could not tell me because I was not the primary on the account so they could not tell me anything? In my opinion they do not know what they are doing and Synchrony want get involved in many retail companies and they are always making mistakes!! If you ask me what I want its just consumers to know about their incompetents and their lack of getting it right.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I paid Comenity Bank IN FULL on XX/XX/year> with a payment in the amount of {$440.00} clearing my bank account on XX/XX/year>. Comenity Bank has put my account into collections despite me paying the balance off. I've spoken to several customer service representatives and Supervisors at XXXX with no resolution. I am being told that a late fee of {$39.00} was issued on XX/XX/year> which is AFTER I paid the account in full. As someone who is XXXX XXXX in the XXXX I do not always have access to email when I am underway ( on ship ) and I believed this account to be settled and closed. I have not used the Creditcard since I paid the balance off in in full. I am now in collections with XXXX XXXX XXXX for {$360.00} saying that I had a {$50.00} late fee/interest after I made the payment in XXXX with a XXXX balance as of that date. I find it excessive and extremely frustrating that I was told the Representatives at Comenity Bank do not know that a late fee would be issued on XX/XX/XXXX and that it doesn't show up until the next statement the following month. How is that a fair business practice? How can a bank charge people fees after they pay an account in full? How do Representatives NOT know that a fee will be assessed after the fact?
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NJ)

TJX Customer Service XXXX XXXX XXXX XXXX, MA XXXX Dear sir, I have received an email from your company which indicate your company still consider that I am a member of your company credit card, TJMax Reward credit card ; however, as I have contacted several times with Synchrony Bank for months, I am not member anymore. I feel regret your company send the past reward certificates information, which became void or unusable by myself and still your company and/or blamed me as I used them. Even though still there is an issue the mysterious and unknow check refund which is in issue recently and recurring inquire to remind I have closed my credit card/synchrony bank closed abruptly, I do not want your company to mention me that I have still had the account with your company since I do not find myself to be blamed by your company and Synchrony Bank XXXX Therefore, please do not send me anymore email again. From the beginning, I can not open the online account anymore and can not check whether the mysterious credit which has been indicated the last month still exist becaue I have issue with XXXX. I have the missing credit/refund occurred by XXXX and it might have refunded to your company credit card which was just closed. I have been asking XXXX where the missing credit is which XXXX owe, and still it does not answer me. I regret entire closing process caused this situation. 
Sincerely,
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I deposited a check in the amount of {$4300.00} at a Chase Bank ATM they put a 10 day hold on it just like the previous three checks i depoisited from same maker and same company ( i have attached those deposit. 10 day hold for the first deposit cleared funds made available, second deposit cleared, funds made avilable 2 business day, third deposit 10 day hold, cleared funds made available, fourth deposit cleared, funds made available but then my account was restricted and then an email from Chase asking me to contact them soon as posible to resolve the matter or risk my account being closed now, so i did, they told that my acount was restricted and possilby closed if they couldnt verify the last check deposit i made with the maker that they would send funds to the state at a certain time, I gave them three solid phone numbers to where they can call and verify number of the check signer, phone number of the check signers husband and company number, rep said that those phone numbers were not verifiable i can not give them any other numbers its impossible.I filed a complaint within Chase Bank it was escalated to an executive rep calls me back few days later and says theres nothing they can do until they can verify that last deposit, I dont understand why not the first, second or third deposit, they said it was fruadulent, the last deposit? but not the XXXX XXXX deposits? 
i wasnt informed that they had to verify it with the maker until after the 10 day hold and funds were made availbel in my Chase account. Ive ask Chase is there any other possilbe way to get that check verified, " theres nothin they can do " is all ive been hearing, no suggestion no direction only to the complaint department which was useless, thats my hard earned money i am not a crook ive have never associated my self in fruadulent activity or in any other criminal behavior. this has cuased me significant stress Ive never been through this before.countless of phone calls going into the branch .I am poor and just trying to make a living. Its been almost a month and i have yet to see my money. my account has since been closed. I dont know where else to go i was directed to this website for some kind of help or direction to resolve this matter.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Javitch, Block & Rathbone LLC (TX)

Sent Affidavit that was notarized on XXXX asking to prove the debt with valid signatures from both parties, they did not provide adequate validation. Went to Justice of the Peace XXXX XXXX XXXX XXXX Texas and proided XXXX XXXX XXXX XXXX with the debt validation letter, XXXX XXXX XXXX 'S birth certificate and Assumed Name. There was a default judgement against XXXX XXXX XXXX ON XXXX {$5700.00} and all COURT fees with 8.5 % compounding interest. Upon further review found that JAVITCH BLOCK LLC does not have a Surety Bond to operate as a debt collector in the state of TEXAS. Today a letter will be sent to XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, TX. XXXX AND JAVITCH BLOCK LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX. Informing them that they are in violation of Tex. Fin. code 392.101, 392.304 ( 9 ), and 15 USC. 1692e ( 1 )
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I get paid on the XXXX day of the month. I have good credit and never have a high balance on the card. I have been charged with late fees. 
XXXX XXXX on XX/XX/XXXX the late fee was credited. I had requested my due date be change. It never was changed so the credit card company continued to charge me a late fee for the following months : XX/XX/XXXX - late fee {$27.00} XX/XX/XXXX - late fee $ XXXX XX/XX/XXXX - late fee {$40.00} I have spoken to different people and THEY refused to help me out! 
XXXX XXXX XXXX XXXX XXXX XXXX What can be done? They are committing fraud. Changes were not made to continue to charge me the late fee.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NC)

I would like to dispute the alleged debt and request a debt validation of the debt details. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. I would like the name of the original creditor, the account number associated with the debt, proof that I am the person who actually owns that debt, I would like the amount of the original debt, also an itemized statement showing how the current balance was calculated, as well as documentation that they have legal authority to collect on the alleged debt. In no way am I admitting to the debt until the debt is proven valid, because I am in fact disputing the validity of this debt. Per the FDCPA said company must seize all debt collection efforts until they prove proper validation. Please provide the requested documentation in writing within 30 days. Failure to comply with validating the debt will be taken as an absolute refusal to do so.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

I sent my friend XXXX XXXX on cash app and she hasn't received it yet.there is no phone number to call only texting them.i told them the problem and they won't refund the moneys back to my account or put it into her account like I wanted it.they have done this to many people and they get away with it.can you help me fix this situation not only for me for the millions of others this has happened to.thank you
Consumer complaint received 2024-07-20
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (PA)

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is 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 and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc And also please add this to the complaint please close this new account ending in XXXX and report it as fraudulent and also please have them stop giving me new accounts with new account numbers when I am not asking for a new account because I am reporting these accounts to yall as fraudulent when I didnt open them and please waive the the {$13.00} I dont own to {$0.00} picture id attached below and fully close all the accounts as permanent without giving me a new account with a new account number when I didnt request a new account with a new account number and report them as fraudulent and waive the balance or past due balance to {$0.00} because I dont want a new account when I didnt sign up for one with yall its is fraudulent etc.
Consumer complaint received 2024-07-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MO)

In XX/XX/XXXX the FDIC gave power of attorney through XX/XX/XXXX. I have three years that I continue to dispute this debt. I want the CFPB to follow up that this is addressed immediately. 
I dont want a letter I want them to return the money I DID NOT OWE that was taken from the proceeds of my sale Of my HOUSE. I PAID the {$250000.00} to Wells Fargo, XXXX and XXXX. Wells Fargo foreclosed on my property for a {$53000.00} balance I paid to XXXX and XXXX paid off a XXXX XXXX XXXX  released in XXXX! {$20000.00} was included in the Wells Fargo loan. Plus I DID NOT OWE {$33000.00} for the sellers loan I paid off in XXXX. I DO NOT OWE {$21000.00} interest the seller paid before I assumed the loan in XXXX the fraudulent {$67000.00} interest only loan fails to count only {$62000.00} was due and no interest was due after I made a final payment of {$1600.00} 15 months prior to the final 360 months of the loan. MY HOUSE Select portfolio servicing submitted and collected a {$250000.00} payoff from the sale of my house. This was subject to verification. I received only the {$83000.00} I had OVERPAID to my escrow account. ( RESPA VIOLATION ). -it was MY MONEY- at closing I was forced to take the remaining of {$200000.00} cash I needed to close from my XXXX XXXX XXXX account.. I left my closing twice and ultimately signed with threat of lawsuits from everyone involved in the sale. XXXX XXXX. When I turned XXXX I would have used my retirement account to set up an annuity I would have had the rest of my life. Instead I have credit card debt I pay from {$900.00} social security. We also have used income to pay back a {$75000.00} mortgage we had to take out against the house without the {$200000.00} we should have in checking account from the proceeds. And all the payments we WOULDNT owe if we had gotten our proceeds.Wwithout money we have made only the essential improvements on the fixer upper we bought money from the mortgage we had to take out to do so. 
- we took {$200000.00} to closing. - we left with {$0.00}. We did not owe {$250000.00} collected at closing. - we paid back {$78000.00} from {$82000.00} line of credit twice. The debt was included in the loan. The interest only was also included in the loan. The country wide first mortgage was paid back but released twice according to tax records. The XXXX  XXXX XXXX was also paid back for the original first mortgage from XXXX. 
The second mortgage was released and paid off by a XXXX loan I paid off in the XXXX XXXX XXXX. Unsecured debt included in bankruptcy included {$44000.00} paid off by the line of credit and the XXXX XXXX  I paid off in XXXX. I believe it also includes {$20000.00} included in the Wells Fargo loan on my duplex that was included in the foreclosure. the foreclosure balance does NOT include payments made to the XXXX mortgage included in the XXXX XXXX which neither were EVER entitled.
Consumer complaint received 2024-08-14
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: Faloni Law Group (NJ)

I got notification that I was being sue by Faloni Law Group, LLC. The letter states that XXXX XXXX XXXX is a client of Faloni Law Group. I am unaware of the alleged debt of XXXX and had requested debt validation on XX/XX/2024 from them. Haven't received it yet.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-08-14
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CL Holdings LLC (VA)

The company is Jefferson that is asking me to pay {$200.00} on a debit that amount {$580.00} on a XXXX XXXX XXXX XXXX XXXX. Close to around this amount. I dont know who they are and someone reached out to me by the name of XXXX under an another collection agency asking to settle a debt for $ XXXX. 
Something else is puzzle, I have an inquiry on my credit from XXXX XXXX from XX/XX/year> About a credit loan for a car I dont or never authorize this on my credit. 
These are XXXX separate situations on my credit that I need to have proof of please help me with those XXXX items on my credit report thank you