davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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: JPMORGAN CHASE & CO. (GA)

I've attached the proper information showing that this company, Chase has fraudulently and falsely reported dates on all three of my credit profiles. The attachment 's shows the minimum due, which was paid as promised monthly of {$37.00}. Chase has reported to XXXX, XXXX, and XXXX that I was late for these 4 consecutive months. All attachments show that the statement balance changed each month, meaning the payments were being processed.
Consumer complaint received 2024-06-15
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: U.S. BANCORP (DC)

I opened a dispute with my XXXX Fidelity credit card for about {$800.00} resulting from an incident in which a XXXX customer service representative told me the wrong information when I was seeking a refund I was owed for tickets I had purchased but that were never delivered to me, resulting in XXXX refusing to provide me the refund. I opened a dispute with Fidelity, because I purchased the tickets originally with my Fidelity XXXX card. I was told I would receive a letter in the mail asking for more information so Fidelity could investigate the dispute. I waited, but never received the letter in the mail. About a month later I received a letter in the mail saying my dispute was being closed because I did not provide the required information. I immediately called back to ask for the dispute to be reopened. The customer service agent told me she reopened the dispute. I asked her whether I could provide the necessary information over the phone instead of waiting to receive a letter in the mail. She said yes and I explained the details of the dispute. She said Fidelity would follow up with me about next steps. When about a month passed and I didnt hear anything, I called Fidelity back. I was told the dispute was never reopened and that under XXXX strict rules it could not be reopened because more than 30 days had passed since I opened it. That sounds like a completely arbitrary and overly restrictive rule meant to deny valid disputes. Fidelity is refusing to help me, and I have now been scammed by both XXXX and Fidelity. It is clear the companies are using their immense corporate power to steal money from hard working people like myself. Fidelity claims they sent me a letter and called me twice to ask for more information about the dispute, but I never received the letter and dont have a record of missed calls from them in my call log. I am being denied the opportunity to have my dispute considered and I need help. There is a serious problem here. I have always been incredibly willing to provide whatever information Fidelity needs to resolve the dispute but they intentionally make it very difficult to do so so they can avoid paying out legitimate claims. This is a major problem.
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding appeared on my credit report. I asked them to verify the debt because I never heard of the company before, and XXXX allowed them to stay on my report without providing any of the information that I asked for. They have never sent one piece of mail to my home, but they get my information and mess up my credit. This is unfair.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

In XXXX this year, a guy going by the name of XXXX XXXX offered me a job in XXXX XXXX. As the position in question allowed me to work remotely, they sent me an email with a check which was supposed to cover the amount needed to buy " necessary equipment '' for the job. 
I scanned this check, and sent it to my bank ( USAA Bank ) in order to make a payment to the equipment vendor via wire transfer ( to a bank in Georgia ). 
By the time I realized what was going on, the check has bounced and the wire was already sent out from my end. 
USAA Bank did not ask any questions in regards to the check or the wire itself, gave me no warnings or exercised any security measures. 
I have been trying to get in contact with the USAA Bank and ask them to help me settle this matter and reverse the payment I have made, however all of my attempts to establish communication fell on deaf ears.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Corp Solutions Inc. (NV)

This company does not have a license to collect debt in state of XXXX, they also are misrepresenting the company 's XXXX XXXX. They are fraudulently buying people 's information and suing them. There is no contract to confirm debt or amount, they also are not following the original company terms and conditions for arbitration provisions. This violates CFR 1006.18 4, 18 u.s.c code 1001 Under FCRA 15 code 168 states I am owed up too {$1000.00} per violation not including the amount of XXXX XXXX I've had to endure due to this. I am asking for {$15000.00} for violations of my consumer rights as well as my XXXX XXXX it's caused.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc (NJ)

I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is chime card for {$2000.00} current card for {$550.00}, XXXX XXXX for {$2500.00}
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have a few fraudulent accounts appearing on my credit report. 
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 2023-06-03
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. (TX)

I have disputed a collection on my credit report with all three credit bureaus. The collection is from the XXXX at XXXX XXXX, an apartment complex I have NEVER lived at. I have resided at XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX since XX/XX/2020. I have done everything I know to do including offering copies of my 3 years of lease agreements to prove I NEVER lived at the complex and the {$330.00} collection is not my account. This is preventing me from finding housing. I will be homeless on the XXXX because of this.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (NY)

ALDOUS AND ASSOCIATES Opened XXXX {$120.00} XXXX XXXX XXXX Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$650.00} XXXX XXXX XXXX Opened XXXX All these accounts, I haven't removed from my XXXX and they are not me. The XXXX XXXX is still there
Consumer complaint received 2023-12-05
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. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Monarch Recovery Holdings, Inc. (OK)

We have come to an agreement that if I pay XXXX percent of the total amount owed that this will be removed from my credit report on all three credit bureaus. On XX/XX/year>, I XXXX XXXX, paid monarch recovery which is the paid collection agency representing XXXX XXXX in the amount of {$2600.00} I am currently waiting on a letter from them stating that I paid them off. But I do have proof paying them from my bank account, showing XXXX transactions to credit acceptance. XXXX in the amount of {$2500.00} and the other one as {$180.00} I need these XXXX negative reports removed from my credit report, showing as a repossession, from XXXX XXXX as the one I owed, then it was sent to Monarch recovery.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (IL)

I received letter from Sequium Asset Solutions , LLC regarding an alleged debt to XXXX XXXX  dated XX/XX/XXXX. On or about XX/XX/XXXX I sent Sequium a Validity of Debt letter inquiring on said debt. I closed my account with XXXX XXXX in XX/XX/XXXXand paid {$100.00} on or aboutXX/XX/XXXX. I again received an invoice from XXXX XXXX - stating they didn't note my account was closed. I again paid {$100.00} on or about XX/XX/XXXX. After continued communication from XXXX XXXX  that my account was past due- I spoke with a representative on or abouXX/XX/XXXXwherein I received a credit on my account for {$100.00} and {$4.00}. A subsequent email was sent from XXXX XXXX  stating that my account was finally closed. I then get another invoice in XX/XX/XXXX stating my balance. I again called XXXX XXXX to advise them that my account had been closed since XXXX. No further communication came from XXXX XXXX  until this letter from Sequium in XX/XX/XXXX

As stated above, I sent a letter requesting validity of debt on or about XX/XX/XXXX. To date, as of XX/XX/XXXX, I still have not received a copy of the validity and it is now being reported to my credit bureau as a collections account. Sequium did not comply with the validity request pursuant to the FDCPA. I am requesting this be removed from my report as I was never provided validity.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp. (PA)

Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
ABSOLUTE RESOLUTIONS INVESTMENTS , LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. 
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.1692 ( G ) Section 809 ( B ). 
THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (PA)

XXXX XXXX sold my information without me knowing it to Calvary Portfollio Services, LLC. My credit card was hacked. I noticed unknown activities being done on my card. I called XXXX XXXX and told them this. I also told them to freeze my card and I destroyed mines after knowing that thieves were running in and out of my new home. I was paying monthly but it just got out of hand. The next thing I know this collections agency has been blowing me up about payments or pay the full amount on this credit card. So Im suppose to pay for this card and thieves abused the card. This collections service is eating my was good credit up. This card has been used through Identity Theft and several other cards as well. I received an email from XXXX XXXX XXXX from XXXX XXXX. It showed me this information like Im on the black wed site my SSN and Driving License has been hacked. I have a collections agency calling me pretending to be XXXX XXXX, there telling me I have a bill for {$1300.00} sum for a loan. I told them its not me I havent been to XXXX last year or have any plans on going there. They call my number daily. I had a law firm look into it they told me to disregard there calls cause they dont exist. 
Im trying to get this collection agency resolved with knowing Ive been hacked in many ways, please assist me with the removal of this unfortunate misery.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (SC)

I called Citibank Friday XX/XX/XXXX about XXXX, I wanted to know whyy minimum monthly payment jumped to XXXX $ from usual amount of XXXX I also tried calling earlier in the week and could not get help because I didn't know what my security word was, they would not accept it, this time I was able to create a new security verification word, but the woman lied and said I was charged an extra XXXX $ and change because I failed to make a minimum payment of XXXX XXXX I had logged in my laptop while I spoke to her and while I asked her to help find and view my payment history, I found it myself and I saw that I paid more than the XXXX $ she claimed I did not pay. Then she hung up on me when I said I could see that I paid XXXX $ and that's a lie! She chose to hang up! Dishonesty and robbery.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MI)

COMPANIES ARE ON MY HARD INQUIRES I NEVER EVEN ASKED FOR THEM TO RUN MY CREDIT. ALSO I HAD NUMEROUS NAMES REMOVED AND NUMEROUS ADDRESSES REMOVED THAT I NEVER LIVED AT, SO PURSUANT 15 USC 16816.
Consumer complaint received 2024-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

On XX/XX/XXXX I was illegally evicted from my home by the collaboration of the XXXX county judicial System, XXXX county sheriff 's office and XXXX XXXX XXXX. I was appealing the eviction hearing that took place XX/XX/XXXX. The judge didn't answer my motion to stay eviction XX/XX/XXXX. Denied my motion to add the rule 120 hearing and mediation to my appeal. These cases were vital to prove they stole my house and had no right to evict me. While my appeal was pending I also had motions in the federal courts pending regarding the eviction. 
My lender went around the court procedure to stand down and violated my civil rights to due process and my liberties. 
My lender was still looking into my CFPB report that proved I was approved for a COVID ALM Modification that was calculated and achieved XX/XX/XXXX. 
The harm they have caused me was done by breaking laws, violating HUD regulations and protocols. They are criminals and no oversight to protect homeowners from their Deceptive Lending Practices.

On top of this I was approved for a refinance XX/XX/XXXX. My lender denied me the right to reinstate my Mortgage twice and never intended to provide me any Covid relief. 
HUD refused to intervene and help with this situation. It's their job to help people stay in their homes. 
There has not been any protection by any government agencies or law enforcement to stop me from losing my home. It's time that the government and public become aware of this horrible crime. 
CHFA doesn't have accurate reports and servicing information related to mortgages from their hired XXXX XXXXXXXX XXXX XXXX CHFA needs to get involved in getting complete and accurate reports from XXXX XXXX at least fight for their integrity. 

The government and the laws as a citizen have failed me in the worst way imaginable. I have fought for my mortgage to be reinstated for 3 years now. 
Although I lost my house I am now going to fight for everyone that lost their house like this. 

I trusted the COVID forbearance to protect my house and to ensure it remained mine. To have the COVID ALM withheld from me and the opportunity I had to reinstate my Mortgage refused is a crime. I will have my day in court proving my accusations. 

I want everyone to know if you are going through this you WILL LOSE YOUR HOUSE! No matter what even if you're fighting in court, everyone is corrupt and are apart of this scheme to Defraud Borrowers from their homes. No one and nothing will protect you, NOTHING! My sincere prayers for all of you and your families. Just plan on moving and keep fighting or you to will have your belongings thrown into the streets. I had a pending Appeal and they still took my home.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TN)

XXXX XXXX {$19000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tenaglia & Hunt, PA (NJ)

Good morning, About 2 years ago, I signed up for a refinancing loan with XXXX XXXX XXXX, which has a class action lawsuit that I did not receive my relief from. The interest rate was so high that my monthly payments were over {$200.00} a month. As a result, my account went to collections and I was contacted by a law firm called Tenaglia Hunt, P.A. Now, the primary concern that I have is the terrible communication that the firm has displayed, and that when I've requested a lower payment plan, it's impossible to reach them. 

In addition, I've told them numorous times that I can not afford to pay {$100.00} a month due to my income. I've mentioned that the XXXX I can afford is $ XXXX monthly, and I keep getting sent to voicemail and have yet to hear back from this firm. I'd like to mention that they've threatened to sue me on a number of occasions and said they'd garnish my wages through the courts. When I requested the contact information to get in touch with the court they've mentioned, they gave me the wrong information. I should note that this all happened about the same time that the class action lawsuit was filed against them for deceptive sales practices. I will provide the link for further reference if necessary. 

In conclusion, I really need some assistance on this matter and my contact information will be at the foot of this email. I hope to resolve this ASAP. Thank you and I look forward to hearing back. 

XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

I received a letter for debt collection dated XX/XX/XXXX from XXXX XXXX XXXX XXXX for an account in my name with my address for a balance of {$110.00} as of XX/XX/XXXX. 
I received this letter by mail on XX/XX/XXXX. 
Reference # on the letter : XXXX Creditor : PayPal, Inc Account Number : XXXX However, I do not have a PayPal account. I have never had a PayPal account. 

XX/XX/XXXX I called PayPal customer support ( XXXX ) to report fraud and identity theft and requested that this account be closed. XXXX, the PayPal service provider asked to verify my e-mail address and last XXXX of my SSN. I declined to provide these as I did not want to give away further personal information. She told me she escalated this to her supervisor and that they would call me back today. I verified the number the supervisor would be calling back from and provided my cell # for call back. I did not receive a call back. 
I asked to know when the account had been opened and if it was opened with banking details. She declined to give me this information. She stated she would close the account. 

I have sent the letter back to XXXX XXXX XXXX XXXX disputing the debt and asking for : Verification of Debt : I request that XXXX XXXX XXXX XXXX provide verification of this debt, including details of the original creditor, the account number, and any supporting documentation that validates the debt 's existence and my obligation to pay it. and Cease Communication : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that all collection activities related to this alleged debt cease immediately until its validity is verified.