davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

Started getting texts from Jefferson capitol llc. I called them they wanted my full ssn and dob refusing to speak without which I wouldnt give because they never sent me a letter of validation before trying to contact me. 

I called XXXX  and they said no theres no debt owed and when I asked for my entire account statement including all payments they refused to send it. I paid my account as I was not in contract and shut off services then moved to another provider. My balance was XXXX as the phones was purchased not using any contract extensions but out right. 

I then tried calling Jefferson capitol again today after they started texting me again. I asked if I got a debt verification letter sent to me the lady said NO. I said I want to speak to your supervisor to which she told me to XXXXXXXX XXXX and hung up on me. I did make this call in front of a XXXX XXXX that was in my place of employment. Due to the fact that I wanted someone who they couldnt claim was a friend or had a bias interest in this.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I received a call from XXXX at XXXX ET on XX/XX/23. It is the Chase Customer service number. I was asked if I was attempting XXXX wire transfers in the amounts of {$9300.00}, {$9400.00}, and {$9100.00}. I said no. I was told that the transfers were still pending and that Chase could reverse them. I was then directed on how to supposedly reverse the transfers through my app. I unfortunately did what I thought was right since I assumed this was Chase calling me when in reality they were scamming me to send money. The callers then tried to get me to do another transfer. I hung up and called the number XXXX back. It went to the actual Chase Customer Service/Fraud Security center XXXX I explained what happened and was told I was the victim of a scam. I stayed on the line and filed a claim. I was then told my claim was denied since supposedly I initiated the transfers when in actuality I was scammed into thinking I was talking to Chase and fixing the issue. I have phone records showing the incoming call from the Chase number. I did not initiate this ordeal. I went to my local Chase bank in XXXX, OH and had the branch manager assist since my initial call claim was going nowhere. The claim is now open and under investigation. I have also spoken with XXXX to try and figure out how someone was able to clone the Chase customer service number. All of the transfers were to XXXX XXXX. The routing numbers for all three wire transfers were XXXX. The cities were, XXXX, FL ; XXXX, TN and XXXX XXXX, FL. One of the account numbers was XXXX. I have had many scams attempted before and have been able to catch them. The only reason this one was successful was because the number calling me was a reputable Chase number I have called many times and is recognized. I want to know how this number was able to be cloned from an international bank no less. I also want to know how this is not considered the definition of fraud and my money is not insured for this through Chase. I am sure I can get the additional account numbers the money was sent once I talk to Chase and get the details from my account. This is the best I could find on my own. This is a lot of money and I can't afford to have it lost. This would not have happened if Chase had better cyber and phone security. I need this problem solved asap and my full amount refunded. I have done nothing wrong and look forward to any assistance I can get. Thank You
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

XX/XX/year> an account from XXXX debt collection appeared on my XXXX credit report. Reporting I owe them the amount of {$1400.00}. 
Its being reported as the company is the original creditor. 
I requested the company to provide me with a signed contract showing my name and date. They have yet to provide me with the requested information due to the nonexistent nature of the contract. My credit report and score has been damaged due to this inaccurate reporting.

The Original credit ( XXXX XXXX XXXX  ) has dissolved the account and informed me that no debt is owed to them and XXXX has purchased the debt from them in attempts to recoup money for their purchase. This in fact removes me from all legal liability amount stated above
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

XX/XX/XXXX, LVNV, which is also Resurgents Capital Services continue to lie and say I still owe money. The agreement was XXXX and I paid XXXX. I've stated why. it was paid on the XXXX. However, it doesn't matter the reason, but payment was accepted. Even though payment was accepted by Resurgents, you are still claiming I owe you money on this over the statue of limitations account. This, is called illegal collection practices, lying to consumers and illegally reporting incorrect information across my credit reports. 
I've tried and now I will be sending my documents to an attorney and the State Attorney 's Office because this is not right. So, if you think this case is closed, it's NOT.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (NY)

I asked the company for my login information when the account closed. I also asked them to send me paper statements because I no longer had access to my account through the online portal or through customer service. The XXXX female who I spoke to every time they called my phone or I called the toll free number was very argumentative with me and refused to allow me access to my own account. There were excessive phone calls made to my phone for collections. There were demands, and the collection calls were abusive. They would not allow the minimum payment to be made. They forced the account closed and forced it into collection ruining my credit and causing a housing emergency. I have then experienced unusual collection practices at my new address as a result. It was always the same person who called me to collect the money. There were also payments made and not posted to the account. The collection practices were a female who is now stalking as the complaint is being written, and is currently actively stalking for the purpose of illegal debt collection and XXXX assault. There is one XXXX female and another who is XXXX.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/year> I personally went to the teller at citibank to deposit my retirement check in the amount of {$16000.00}. I was able to only withdraw {$1700.00} right away and told it will take a few days to clear. A few hours later by XXXX my account was locked and closed. 
After being on the phone with someone representing citibank who barely spoke English, I was told my account was closed and I'll receive a letter in the mail with a check IF the funds clear. This is MY money from MY retirement account. All of my bills come out this now closed account and I'm occurring late fees because of this.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION accounts : XXXX XXXXXXXX XXXX {$900.00} XXXX {$650.00} XXXX XXXX {$100.00} XXXX {$22000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I had my XXXX hacked and had charges across XXXX totaling in XXXX XXXX, I filed a claim over the phone with Wells Fargo for these charges. Also closed my XXXX account and got a new bank card. 
Now I'm getting a letter in the mail stating that the claim was denied with no attempt to contact me for more information or why it was denied just a XXXXXXXX XXXX charge to my account while I'm outta state for family passing.. not sure what to do.
Consumer complaint received 2024-06-04
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: SANTANDER HOLDINGS USA, INC. (PA)

On XX/XX/year> at XXXX XXXX, I received an alert from Santander Bank asking if I made a purchase to XXXX  in the amount of {$1300.00}. I quickly responded NO. I was told that someone from fraud would call me. No one did, so I called. I spoke to an associate and they would do an investigation. The charges were removed. There was another charge that was blocked in the amount of {$1200.00}. My account was credited. And then in XX/XX/year> the charges were back on my credit card. I called the fraud department and they did an investigation and said the merchant had all of the information and that I made the purchases. They wouldnt even tell me what I ordered. They said they would mail it to me. Once I received the documents I went to a local Santander Branch in XXXX, PA and the Branch Manager, XXXX XXXX is assisting me. However the charges have not been credited to my account and now Im being charged late fees. Every time I call for an update, there is none. He said he had to go above to get assistance for this issue. Meanwhile Im getting calls, emails, text messages because I havent made any payments on these fraudulent charges. I didnt know what else to do and thats why Im contacting you. Evidently I ordered many pairs of sneakers and had them shipped to an address in New Jersey.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, I made my first mortgage payment of {$3300.00} to the account provided by my lender at XXXX XXXX XXXX. Shortly after, I received a letter informing me that future payments should be directed to XXXX XXXX with a new account number. Subsequently, I was informed by my bank, Wells Fargo, that the account at XXXX XXXX XXXXXXXX had been closed and the payment could not be processed. Ccopy of the documents attached ). 
Despite opening a claim with Wells Fargo on XX/XX/year>, the process is taking longer than expected, causing considerable concern and stress. Wells Fargo initially indicated that the issue would be resolved within 5-10 days, but I have now been informed it could take up to a month to retrieve the funds.

To expedite the resolution of this matter, I kindly request your assistance. Attached to this letter are copies of the following documents : 1. The letter from my lender instructing me to make payments to XXXX XXXX XXXX 
2. Emails from Wells Fargo indicating the account closure and details of the claim.

Please provide any documentation or support that may help facilitate the claim with Wells Fargo and confirm the status of my mortgage payment. Additionally, I would appreciate your guidance on any steps I should take to ensure that my mortgage account remains in good standing during this period.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (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 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  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 2024-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

Fraudsters initiated chargeback to my account totaling XXXX. My checking account was comprised and chase bank allowed these reversals to my account plus the fraudsters deposited XXXX in check by mobile deposit. When I became aware of the activity I reported it to my bank and close my accounts. The bank gave me a new checking account and paid my creditors but are charging me for the balance. They allowed these people to infiltrate my account and expect to pay the balances
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX and XXXX XXXX is showing auto loans on my credit report that was never mine and I have never signed a contract for these. I would like them deleted. 

XXXX XXXX XXXX XXXX is from XXXX 

XXXX XXXX is from XXXX 

Both of these accounts are showing payments as well as on-time and late payments.
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

PULL MY CREDIT REPORT ON XX/XX/2023 FOUND OUT I HAD UNAUTHORIZED ACCOUNT WAS OPEN UNDER MY NAME WITH ALL THREE CREDIT BUREAUS.I HAVE OBTAIN POLICE REPORT TO LET THEM KNOW WHAT IS GOING ON XXXX, XXXX XXXX, XXXX WAS OPEN WITH MY UNAUTHORIZED
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (GA)

I have been identified as a victim of XXXX that has resulted in XXXX XXXX and effects my consumer report. As a Survivor of XXXX XXXX XXXX XXXX XXXX you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
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: EQUIFAX, INC. (WI)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Credit Karma and all 3 credit bureaus have failed to remove a late payment from XX/XX/year> from my reports despite constant contact and attempts made by me to have it removed. Credit Karma has an automated system set up so that it will automatically deposit and withdraw money to/from an account which will then withdraw and deposit money into another account that is connected to a credit line designed to help build credit. 

The account records show that the accounts not only failed to even attempt to withdraw and deposit for XXXX payment, but then had a delayed deposit/withdrawal on a second payment as well. Due to the system failing to operate as it was supposed to, I am not liable for damages. Once I realized what had happened, I promptly ensured the account was current and contacted Credit Karma to advise them of the system and account issue. Credit Karma and all three Credit Bureaus ( XXXX, XXXX, and XXXX ) have been unhelpful in solving this issue and removing the late status from my reports. There has been a couple times where the credit bureaus have removed the late history before readding it later on and a few times where the credit bureaus have failed to send dispute reports. This has gone on for around XXXX XXXXonths now, which is an extraordinarily long time for something as simple as a system error causing a {$10.00} payment to be made late.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (FL)

On XX/XX/XXXX, Juno froze access to my checking account ( held through XXXX or XXXX ). I have {$120000.00} in this checking account that I do not have access to. I have not had access to this money since XX/XX/XXXX. Please note that while Juno has cryptocurrency services, I did not use any of those services ; I have not purchased or sold cryptocurrency through Juno. I have only used the checking account service, which Juno indicated was held at an FDIC-insured bank. I have called and emailed Juno. The customer service people I spoke to said that this was an issue with XXXX and XXXX and that they were unable to give me back access to my funds. I have also tried calling XXXX, but XXXX said the issue is with XXXX. I have been unable to contact XXXX. I understand that a XXXX affiliate is currently in bankruptcy. Juno said my funds are held with either XXXX or a XXXX  affiliate that is not in bankruptcy. Either way, I haven't had access to {$120000.00} for 3 weeks. I have already been late on an automatic credit card payment that was funded from this account.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (IL)

On XX/XX/XXXX, I had several issues with accessing all features of my JUNO debit card. All purchase transactions were declined without notice and withdrawals were not possible. updates have been provided but not an expected date of resolution.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I went into XXXX XXXX XXXX in first spoke a XXXX XXXX who was the XXXX XXXX XXXX XXXX XXXX XXXX. Sh quoted me {$6000.00} for my XXXX XXXX ( the next day XXXX gave me {$11.00} ) as a trade in agreed and she told me to sit down and wait for the financial department. When the financial department agent called me into his office I said I have a offer from the bank and showed the offer was at 11 % I in turn said to that is an insult with a person with my credit score and in turn he said he will check to see the banks other offers that they have for me. As he jiggled the numbers around about seven times telling how this is another one of the banks offers I finally stood up and politely said good-bye. When I returned home I checked my Experian Credit Report and seen that there was seven hard inquiries from eight different banks. I emailed XXXX XXXX about this because she was the initial person that contacted med and I except the company representative. And she gave a story that defends her so called manager as she calls him. I and then complained to Experian that same day and also sent to letters to Experian about these fraudulent hard inquires in my Experian credit report and there still is no answer.