davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (NJ)

I was looking through my transactions today and I saw XXXX from XX/XX/XXXX at XXXX XXXX for XXXX XXXX that was declined. It says XXXX bill so I contacted XXXX they said that it wasnt them that tried to charge it. They said I dont have anything on my account for that amount. I want to know where this is coming from. Its obviously fraudulent if XXXX is saying that they did not try to take it out. I dont want them to keep trying and 1 day maybe get that out of my account. This is for cash app. My cash app is XXXX XXXXXXXX
Consumer complaint received 2024-06-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Jefferson Capital Systems reported first date of deliquincy on collection as XX/XX/scrub>XXXX This debt is at or beyond the 7 years the debt can be reported. XXXX refuses to remove the debt or atleast correct the wrong first date of delinquency, while XXXX couldn't verify the debt, but left the account on my credit report with a {$0.00} balance and a wrong date of first delinquency. Jefferson Capital Systems has never communicated with me. They also frequently add and remove the debt when I dispute it. This is unfair for me to continually deal with wrong info being reported by Jefferson Capital Systems, and for XXXX XXXX XXXX XXXX  to continue to report wrong info on my credit report and ruining my financial health.
Consumer complaint received 2024-06-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

A Debt Collection Agency by the name of JEFFERSON CAPITAL SYST located inXXXX XXXX, MN has made a mark to my credit report for a XXXX bill. Neither myself nor anyone in my family has ever had any account with XXXX. 

Some letters were received a few months back sent to my parents address, that I have not lived at for over 20 years. My mother had thrown them away as she assumed they were spam.
Consumer complaint received 2023-09-19
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: JPMORGAN CHASE & CO. (FL)

I PAY FOR SAPPHIRE CREDIT CARD, WHICH YOU EARN POINTS FOR PURCHASES. I EARNED XXXX POINTS. I WANTED TO BOOK AN AIRLINE TICKET. I WAS TOLD THAT IN ADDITION TO MY FULL AMOUNT OF POINTS THAT I HAVE TO PAY ADDITIONAL {$970.00}. I LOOKED UP XXXX CLASS WITH XXXX XXXX, IN WHICH I WAS GOING TO USE FOR POINTS. THE COST IS {$900.00}. CHASE WAS GOING TO TAKE ALL MY POINTS AND HAVE ME PAY MORE THAN THE COST OF THE TICKET. THIS IS A SCAM. THEY SHOULD NOT GET AWAY WITH THIS.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I am writing to report an incident that occurred during an ATM cash deposit transaction at Citibank branch located in XXXX XXXX on XX/XX/year>, around XXXX AM. 

On the mentioned date and time, I attempted to deposit {$1500.00} in cash into the ATM machine. However, immediately after inserting the cash, the machine displayed an " unavailable '' message, and the transaction was not completed. Consequently, I did not receive a receipt, and the funds were not credited to my account. 

I promptly reported this issue to the bank staff inside the branch, who advised me to contact customer service and file a complaint. Since then, I have reached out to customer service representatives multiple times regarding this incident. During these interactions, I was informed that the funds would be credited to my account by XX/XX/XXXX or earlier. 

Unfortunately, as of today, I have not received the deposited amount, causing significant financial strain. As a pregnant woman in my seventh week, this situation has become increasingly concerning, as I require these funds to pay essential bills and expenses. 

I kindly request your urgent assistance in resolving this matter and ensuring that the {$1500.00} deposit is properly credited to my account. Please help. I dont know how to deal with them anymore.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

There is information on my consumer report that is a result of Fraud and Identity Theft [ as defined according to 15 USC 1681a ( q ) ( 3 ) and 18 U.S.Code 1028 ]. I recently received a copy of my consumer report which contained numerous inaccuracies, fraudulent identifiers, and incorrect variations of my name and address. Under 15 U.S.C.1681 accuracy is required.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SECURITY FINANCE CORP (WI)

The account in dispute is not mine and I have no knowledge of such account, company is reporting an account being opened XX/XX/XXXX, reporting a balance of {$1900.00}, reporting it was a XXXX month term, reports no payments being made since account opening date, company charged off the debt XXXX months after account open date, credit reports show account was closed XXXX XXXX, XXXX months has transpired since the reported account open date, company and/or credit bureau continues to report the payment status as " not current '' each month on my credit reports with the most recent report showing the payment status of " not current '' being reported on XX/XX/XXXX, account is beyond the XXXX month term, and has been charged off over XXXX months ago. I demand the account be deleted from all my credit reports.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MN)

I got an email stating I got approved for a card that I didn't apply for. Next thing I know I have a payment due for said card that I didn't apply for. It is for the XXXX card that up until recently I've never heard of. I have no idea if they're sending the card to me or somewhere else. I had to make an account to even see what the card details were. Somehow they had my social security number already on file without my authorization.
Consumer complaint received 2024-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (TX)

Requested that the debt be verified through the credit bureaus. Investigation came back and nothing was changed. Asks the company over the phone while on the line with XXXX XXXX about the debt and getting the info sent to me. Company has reported account as delinquent every 2 months and the differing amounts.
Consumer complaint received 2024-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

On XX/XX/24 I emailed the XXXX XXXX navient.com email requesting a XXXX XXXX XXXX XXXX for my private loans because my school was sued for fraud, plus I received group discharge for my federal loans due to the fraud. Navient said they are sending me an application under a separate cover. Not sure what that means so I responded the next day XX/XX/24 stating that I havent received it yet, and asked that I receive my application via email instead of through regular mail. Id like to start the application as soon as possible as this fraudulent debt has been a huge burden that Id like to get corrected asap. 

So far I havent received the application nor heard back from Navient about when XXXX be receiving the application and how.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (TN)

Rocket Mortgage Loan on XXXX XXXX XXXX XXXX, XXXX TN, XXXX. 
We have made several payments over the last XXXX  days and they charged us interest XXXX  times. 
XXXX : {$880.00} on XXXXPayment of {$1000.00} ( which is the normal amount-Loan Balance of {$120000.00} and XXXX  % -Not disputing this ). 
Then on XX/XX/XXXX payment of {$14000.00} was applied to Principal. 

XXXX : Then, on XX/XX/XXXX a payment of {$6000.00}, they separated into XXXX payments, {$4900.00} and {$1000.00} ( where we were charged {$780.00} in interest and with a Loan Balance {$110000.00} ). 

XXXX : Then on XX/XX/XXXX a payment of {$4000.00} was also split into XXXX payments, {$2900.00} and {$1000.00} where we were charged interest of {$750.00} ( Loan Balance {$100000.00} ).

They claim through an email exchange that the payments were applied to future months essentially charging interest that has not accrued yet. 
Below is their response copy and pasted from my email : " Good morning, Thank you for reaching out to us. We do understand your concerns. When looking at your payment history, I do show that the payment you made on XX/XX/XXXX was applied to the month of XXXX, the XX/XX/XXXX payment was applied to the month of XXXX, and the XX/XX/XXXX payment was applied to the month of XXXX. 
Per your loan agreement, part of your monthly payment will be applied to principal and interest, this is why the payments reflect the interest charges. You can view your monthly payments online via your online Rocket Mortgage account that will provide a breakdown of how payments are applied. '' Is it legal to charge interest that has not accrued yet?
Consumer complaint received 2024-06-07
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 (CA)

I am a victim of identity theft I have no connection with the said accounts listed. Please help me. 

Someone even has an eviction in my name in Florida. Which I never lived I lived in XXXX XXXX  my whole Life I have no dealings with XXXX XXXX I have no dealings with XXXX XXXX I was never late on my XXXX XXXX XXXX please correct this.
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (NY)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification about this debt. If in fact, you believe that Ive received proper notification, please provide the certified mail that you sent to me with my receipt and signature which shows that Ive received this debt notification and right to dispute.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Consumer complaint received 2024-06-07
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: DISCOVER BANK (CO)

XXXX months ago I found XXXX XXXX XXXX charges on my Discover card between XXXX and XXXX. I have never used nor authorized my Discover for XXXX XXXX. 

In calling XXXX, they could not find my card linked to a XXXX purchase. Furthermore, they did identify that this card was added on to our family account many years ago and it shows it expired in XXXX. 

I immediately disputed the charges. The first Discover Card employee I talked to set up the disputes. During our conversation, I asked about the card being expired. She stated that since the charges were for a recurring purchase and that the card had previously been on file, that there was no problem allowing the charges. 

These unauthorized purchases were XXXX years after expiration. She stated that even though the card was expired, it still could be used for recurring payments ( which I have never authorized for this card ). 

The disputes were denied by Discover. Their letters stated that since XXXX did not respond to their inquiries, they had no way to investigate, therefore, they chose NOT to side in my favor. In their letter, there is no mention of the expired card number. 

If this practice of allowing charges on expired credit cards is legal, then this is very concerning.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

on XX/XX/year> I opened the account with Citibank. I received the check from the IRS of {$300.00} which was my state refund check. I deposit that into Citibank about a week later I transferred {$2000.00} from my XXXX XXXX account that is now closed, about 2 to 3 days Later, I tried to log into my Citibank account and it would not let me it told me to enter my account number which I did not know because I had just opened. It gave me the option to call. I gave them a call and they transferred me to the fraud protection department. I guess I dont know. They told me that they close the account but they gave me no specific reason I did not argue. I said OK when will I receive my funds, they said within 60 days being closed. The account officially closed in XXXX and I called to make sure that I will still be receiving my funds. The lady that I spoke with said that I would I was being very patient. It is now XX/XX/XXXX and I still have not received my money I called today, which is XX/XX/XXXX, and they told me that they could not verify my funds and that I had to call the IRS so that they could call their bank to cancel the payment which is something I never heard before and which is absurd. They approved the IRS check mobile deposit so why do it need to be verified and canceled now? Shouldnt it have been canceled from the start? I really do regret doing business with this company and it seems like their customer service representatives just tell you anything they can find in their little notes thatll make you just go on about your day. I would recommend this company to anyone I would recommend to XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( XXXX ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (PA)

Discover Bank NA alleges I owe a debt of {$10000.00}. I have notified them by certified mail, on several occasions, most recently on XX/XX/year> that this debt belongs to a deceased relative with a similar but not identical name as mine. The alleged debt is owed by XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX Ive forwarded Discover dispute letters showing a copy of my drivers license with my legal name and address but DISCOVER continues to violate my federal rights by validating a debt that isnt mine. Additionally, DISCOVER mailed me a letter stating that my alleged debt had been written off with a form 1099 showing the amount they forgave. I immediately informed Discover that I was once again NOT their debtor but received no response. To make the situation worse my consumer reports continue to show the debt as owed and valid. Even though its not my debt, it shouldnt report as valid and past due if its written off and forgiven. Discover continues to violate my Federal rights by reporting this erroneous debt as mine even though Ive proven it is not.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (GA)

XX/XX/2023 I worked out an arrangement to lower interest rate with Discover Card. 
They had offered me a credit card with hidden rates to go up to 30 % which is why I worked out an annual amount of XXXX for a year. I called and asked them to continue or and they will not. They want to move it up again to 30 % and I Have XXXX credit scores with XXXX XXXX with XXXX and XXXX with XXXX. 

I would like to have someone intervene and assist me with making this arrangement. 
I am ok with closing the account and am not using it. 

thanks for help.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

On XX/XX/XXXX I was notified by lender XXXX that the U.S. Department of Education ( ED ) will transfer the customer service of my federal student loan account to XXXX by XX/XX/XXXX. As of XX/XX/XXXX, the loan is still not transferred and the loan is no longer with XXXX, meaning I have no access to the loan and no ability to pay off my debt. I am also enrolled in the Public Service Loan Forgiveness ( PSLF ) program, in which I may qualify for forgiveness of the remaining balance due on my eligible federal student loans based on my employment in a XXXX XXXX job. This is contingent on making payments on my loan every month. Because the loan is not available for payments right now, I can not make these payments towards forgiveness.
Consumer complaint received 2024-07-31
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Debt collector XXXX called personal number during my work hours. I had immediately told them that I was busy with a client and could not take their call. Within 30 seconds my front desk receptionist tells me I have a call on the line from the exact same employee who I had just spoken with.
Consumer complaint received 2024-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I went to the XXXX XXXX XXXX XXXX XXXX which was proven multiple times to be a for-profit school which defrauded students and offered predatory loans. I was approved for Borrower Defense to Repayment on my federal loans for that program, but when I asked Navient to provide me an application for relief on my Private loans for the same program, the denied me saying " We have determined that your loans are not eligible because they are no longer outstanding ''. I responded saying " Thank you for your response. They were refinanced though, and are still outstanding. Simply with a different lender, but still the same loan that originated through SallieMae/Navient. '' After years of paying this loan through SallieMae/Navient I finally decided to refinance since there seemed to be no relief through Navient. The same loan is now serviced through XXXX, but it shXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IA)

Lexisnexis is providing incorrect information to my insurance company. This has caused my insurance to nearly double over an accident that the XXXX  XXXX has no record of what so ever. I am unable to dispute this as they require a case number... but there is no case number as the accident never took place. Their phone line had me on hold for. 

XX/XX/year> - XXXX hours XX/XX/year> - XXXX XXXX hours XX/XX/year> - XXXX hours Several states have already sued them for this exact type of action and I cant understand how they are still able to do business this way. Private information is shared and most of it is incorrect which lead to adverse actions against consumers.