davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

XX/XX/2020 - I sent XXXX XXXX XXXX of XXXX XXXX, Florida, an intent to break lease. After paying up debts owed to the property, I later found out the amount they tried to collect from me was not verified in the lease agreement. I asked for the information to ensure it was valid and not given any information. I asked for this information for over XXXX months and never received anything from the company that stated why I owed the amount listed on my credit report. 

My credit and rental history is being affected and now I can't access the company that put the debt in collections because they are no longer in business.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

To Whom It May Concern : The following inquiries were not authorized by me, please delete them. Never having given my permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX XXXXXX/XX/year> Furthermore, I would appreciate the names, addresses, and phone numbers of these companies so I may follow up. 

Your immediate attention to is matter is greatly appreciated. Sincerely,
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I bought an adjustable interest rate annuity from USAA back in XXXX ( about {$8500.00} ) with a base interest rate of XXXX % and my understanding was the interest would change if interest rates went up. This annuity has stayed at XXXX % even though rates across the industry have hit XXXX % ( at USAA as well ). I am locked into a contract and will get penalized for removing this money even though they are not holding up to the agreement. Every time I reach out to USAA, they tell me they cant raise it because they are afraid of people transferring money into these accounts. Additionally, they recommend I pull the money out and assume the penalty because Ill make up the money in XXXX of their other accounts ( CDs or annuities ).
Consumer complaint received 2018-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

When set my account up for autopay when Nationstar first took over the servicing of my loan, five years ago. 

My mortgage payments were auto drafted from my account without incident until XX/XX/XXXX, when my mortgage payment was not autodrafted. 

I was not notified that my payment was not autodrafted or even that my autopay would be ending. Instead, I received twice weekly cold-calls/emails from Nationstar regarding refinancing my loan. 

I even spoke with Nationstar representatives on XX/XX/XXXX and was never informed that my account was delinquent or that my autopay had ended. Instead, I was solicited again regarding refinancing. 

Fortunately, I checked my bank account and say that the payment was never drafted on XX/XX/XXXX and called to get my late fee removed, but I received no answer as to why that payment was not autodrafted. Or an explanation why I did not receive electronic notification of the delinquency/autodraft failure..particularly when all my communications with Nationstar were electronic and I received so many marketing/refinancing solicitations from Nationstar during XX/XX/XXXX.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (IL)

Forever 21, XXXX XXXX XXXX  and multiple credit card companies have been calling me asking me to pay debt that was accrued due to identity fraud. My mother opened multiple credit cards in my name and never paid off the debt. I have told this to multiple credit card companies that call me and think still think Im liable to pay debt that is not rightfully mine. I have even made a police report about my mother committing identity fraud and opening credit in my name. She used my name and fake birth year to act like I was legal to get a credit card and never paid the debt off.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (IL)

Forever 21, XXXX XXXX XXXX and multiple credit card companies have been calling me asking me to pay debt that was accrued due to identity fraud. My mother opened multiple credit cards in my name and never paid off the debt. I have told this to multiple credit card companies that call me and think still think Im liable to pay debt that is not rightfully mine. I have even made a police report about my mother committing identity fraud and opening credit in my name. She used my name and fake birth year to act like I was legal to get a credit card and never paid the debt off.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MD)

Subject : Illegal Collection Reporting - Resurgent Receivables LLC Dear CFPB, Thank you for your service. I would like to report an issue with Resurgent Receivables LLC. I originally spoke to XXXX XXXX XXXX regarding this account. They confirmed that the account was included in my bankruptcy and was discharged on XX/XX/year>. Despite this, the account was sent to collections, and Resurgent Receivables LLC is now making me pay and has added it to my credit report. 

Please help me get this company to remove the illegal collection from my credit report and stop charging me for an account that has been discharged. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-12
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. (CA)

Recently, I got declined by a credit card application and reject reasons are due to several delinquencies on my account. After paying a membership fee, I can see my latest Experian credit score and realized my credit score dropped XXXX points in one month but my other credit reports getting from XXXX and XXXX XXXX fine. On my Experian account, a Charged Off XXXX  XXXX XXXX ( XXXX ) credit account has been added on last month XXXX XXXX. After spending several hours calling Experian and XXXX  XXXX XXXX back and forth, XXXX told me they didnt see any delinquent XXXX  account under my identify and they didnt know why Experian added it under my credit report. After talking with Experian, I finally figured out that this charged off account is under different name without SSN. The only thing same is we have same last name. I already started disputed process with Experian and still waiting for their feedbacks. 
Actually, this is not first time such thing happening to me with Experian. In XXXX, I can not figure out why only my Experian credit score was so low. After I purchased membership with them, I found out there are several other persons delinquencies had been added under my account. I had to spend several weeks talking with their team and fixing it. Back to XXXX, I thought it just occasionally happens to me. However, today, I feel Experian just carelessly handles peoples information. What they are doing is not only wasting peoples time, but also hurting peoples life. Top on that, I have to pay a membership fee to check my credit report and all details in order to fix the issues caused by them. 
By the way, I didnt see same issues happening on me with other 2 credit bureaus.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

-Chase failed to adjudicate claims in timely manner.

-Chase violated my Privacy Rights in which I recorded the multiple occurrences. 
-Chase has discriminated against me. -Chase bank has retaliated against me and violated my consumer rights each are civil rights violations. 
-Chase is withholding my direct deposit -Chase did not follow their own bank policies by not resolving my XXXX office cases in the timeframe given to me by the XXXX office department on recorded line as well as indicated on their website. 
-Chase did not resolve my CFPB Case in the time frame specified by CFPB -Chase violated my privacy rights and refused provide contact information for privacy violations. 
-Chase has not made my account viewable to identity claims, transactions, etc -Chase XXXX XXXX refused to escalate my case to appropriate department including Chase back office team -Chase failed to find fault on my end regarding account usage, claims, bank processes and guidelines. 
There was no wrong doing or misuse on my behalf which was verified by XXXX XXXX XXXX XXXX XXXX XXXX 
-Chase advised me that I had to block my debit card and the merchant due to a claim dispute. They advised me NO transactions would be allowed thereafter. However they allowed transactions from the very merchant I contacted them for assistance disputing. This is AFTER I had even received a new debit card.

There was no verifiable cause on my part for closure.

-Chase is aware my direct deposit was to going into my account. They advised my case would be resolved prior to the deposit. This was not the case. They have withheld my funds and did not release my funds to me. 
I do not have access to my account, funds and this has caused merchants to not received previously established payment. 
-Chase bank has been negligent in handling my case, adjudicating my claims and have not provided the documentation notifying me of account closure nor have they contacted me regarding my case. I requested XXXX XXXX callbacks and have not received XXXX callback the duration of the case. They advised on my recorded line the bank has XXXX hours for call back. -Chase have violated my rights by not adhering to their own policy.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Early Warning Services, LLC (MI)

I found a police report concerning this matter. Please remove this information at once. Its as its inaccurate you have yet to send me exact trans actions that calls this debt in the first place. 

Report # XXXX Report : type : fraud Officer : XXXX Badge # : XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IL)

On XXXX my credit was ran by these 4 companies without my permission. According to Law FCRA SECTION 605B This Is Illegal. I would like these removed from my credit report immediately.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a customer with Bank america for almost XXXX  years, and my family has been a customer for several decades. 

I opened a XXXX XXXX credit card with BofA in XXXX. It was the first credit card I opened in my name. I have spent hundreds of thousands of dollards on this card, and have a perfect payment history. I had no blemishes on my credit report, both with BofA and with my other credit lines. 

In late XXXX I had XXXX collection reported on my credit. It was the only flaw on my credit report. This collection was incorrectly reported and I was in the process of disputing it. In this process, Bank of America proceeded to close out my credit card in XX/XX/XXXX, giving the reasons of " delinquency on my credit report and inactivity ''. My last activity on the card was in XX/XX/XXXX, which is well within the XXXX year inactivity limit. 

Closing my credit card with no notice not only decreased the average age of my accounts, but also decreased my credit limit. Both these actions harmed my credit score even more. 

I have since succeeded in deleting the collection off my credit report, so I now have 100 % perfect payment history across all credit lines. Therefore, the reason of " delinquency on my credit report '' is simply false.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

In accordance with the Fair Credit Reporting Act, LVNV Funding, LLC has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. LVNV Funding, LLC, have violated my rights. I looked at my Credit reports on XXXX, XXXX, and XXXX and noticed some things are incomplete and not accurate, and according to the Fair Credit Reporting Act, 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 according to 15 U.S. Code 1681 ( e ) ( b ). According to 15 U.S. Code 1681i ( 5 ) they are suppose to do this. ( XXXX  ) Treatment of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of he consumer, or modify that item of information, as appropriate, bases on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 U.S. Code 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

LVNV Funding has also violated the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ). They are trying to collect on a debt without providing any documentation or validation. LVNV Funding LLC has violated my rights under 15 U.S. Code 1692g ( a ) ( b ) - Validation of debts. I am not liable for this debt with LVNV Funding, LLC. I do not have a contract with LVNV Funding, LLC, and they have not provided me with any documentation or original contract as I requested. 

XXXX v. LVNV Funding
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (AZ)

I keep receiving unsolicited calls from the following number : XXXX the caller claims to be from Chase Bank. I repeatedly receive these calls daily. I want this harassment to stop immediately. 
When pressed by me the caller never provides any pertinent details as to why they are calling and refuses to give any additional information as to who they are.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Levy & Associates, LLC (OH)

I was contacted by Levy & Associates last XXXX after they filed for a judgement against me in XXXXXXXX XXXX  Oh on behalf of XXXX XXXX XXXX. 

I immediately requester validation of debt and was told the last charge was XX/XX/XXXX. 

I have no knowledge of this account, they said it was {$3200.00} ( approx. ) I had a family member living in my home over the past 10 years that I only recently as XX/XX/XXXX became aware that they were stealing from me, committing fraud in my name and XXXX XXXX XXXX. The situaltion escalated and in XXXX of XXXX after confronted they became XXXX  and then XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to go as far as replacing bank accounts, securing a civil protection order, home security system, etc. However I am still learning of favious fraudlent things they did. I believe they likely made these charges as they had access to my home, mail, bank account, credit cards. etc. 

I sent fraud affadavit, idenity theft complaint, etc. to XXXX XXXX XXXX XXXX XXXX and every month since I followed up being told they were investigating. Then XX/XX/XXXX I received notice they " disagreed '' and would continue collection efforts and to secure a judgement against me in XXXXXXXX XXXX XXXXXXXX. 

I called and asked what additional information was needed, what I could do and I was told my only option was to pay. I asked them what the charges were for exactly, dates, copies of signatures/receipts, etc. and I was told to contact XXXX XXXX. I have no information for XXXX, they told me to XXXX it and I did and could not find a mailing address or anything. 

They said the last charge was XXXX. This is not on my credit report. I have lived at the same address since XXXX and had the same phone number and this was not present. 

I did not place any charge with XXXX and do not know what the bill is for. I believe they should provide details prior to filling a court case against me for an alleged charge in XXXX also I don't know if it was one charge or many. I have no information
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX and I had a number of conversations about starting a banking relationship. I relayed my goal of transferring approximately {$30000.00} of US Treasury Bonds, from my account at TreasuryDirect.gov to an account in my name at TD Bank. Part of the process I was told, was maintaining a checking account for a month. I initiated and funded the account with cash from another bank. 

At a face to face meeting today, XX/XX/year> at XXXX ET, XXXX directed me to XXXX XXXX XXXX They were both very helpful as we filled out the FS Form 5511 to initiate the transfer. But, XXXX lied and invented a story of my alleged assent to a managed investment account. When he made clear the costs of such an account I canceled the transactions and left angry.
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CA)

I took out a loan of XXXX and I ended up falling behind due to financial issues. I initially called to get the loan on XX/XX/XXXX, but actually got funded XX/XX/XXXX. I ended up calling the company to get put on a settlement plan to avoid interest and fees. I spoke to an agent in XX/XX/XXXX and they assured me the loan would not accrue any more interest, the overall loan amount would be lowered, and that I would only pay about XXXX each month. I was shocked however that on XX/XX/XXXX I was charged XXXX. I asked what happened and they said that it was an error since only accounts on collections are eligible for settlement. They also said I would have to wait XXXX to XXXX weeks before the loan defaulted and got sent to collections. Basically I would have to miss that many payments due to the new system being put in place. In the old system it only took about XXXX to XXXX missed payments to be sent to collections. I am now concerned because I am now dealing with very high daily interest rate. Aside from that I am worried about other fees that I am going to incur. I just want this situation to be remedied as soon as possible because I have other bills to pay at this time. The company said they can not do anything at this time since the system will not allow it and that I can not talk to collections until the loan has defaulted. Aside from that the only solution they offered is to pay my loan or a discounted offer if I decided to pay the loan off.
Consumer complaint received 2024-03-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CO)

My gift card information was stolen by a third party hacker before I was able to register the card online and use it. It was a {$500.00} prepaid visa gift card. I have the physical gift card, it was not stolen through any act of mine, somehow the gift card information was stolen before arriving in the mail. XXXX agreed it was fraud, and promised to send me a replacement {$500.00} gift card. This happened 6 months ago. Still no card after multiple times contacting the company.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

XXXX, XXXX, and XXXX still have accounts reporting to my consumer report after Ive given them a written statement as a victim of identity theft, the police report and the FTC report. I did ask for all credit bureaus to Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Its exceeded the 4 business days. Ive attached all documents Ive sent to the credit bureaus Im asking for assistance in helping me in force the consumer laws and my rights and removing the accounts that were not made by me.