davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-27
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 am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (IL)

Postmarked XX/XX/year>. I received a letter from NES of Ohio debt collector requesting I pay {$860.00} and {$2100.00} from XXXX  XXXX XXXX. I am writing to dispute this debt that they claim that I owe. I have never heard from this collector before, and they have not provided me with any supporting information for verification. Under the Fair Debt Collection Practices Act ( FDCPA ), it is my right to request this verification via a written letter sent to NES within 30 days of receiving the notice. I did ; on XX/XX/year>, I sent a written Debt Verification letter via certified mail requesting the following information in writing only, at my mailing the address listed on my document : 1. The name and address of the original creditor.

2. The account number of the alleged debt.

3. The amount of the debt, including an itemized list of any fees or charges added.

4. The date the debt was incurred.

5. Documentation that verifies the debt is valid and that I am legally obligated to pay it. 
6. Proof that you are authorized to collect this debt on behalf of the original creditor.

7. Additionally, please provide me with a copy of any judgment, if applicable. 

As of today, XXXX, ( well past the 30 day window ) NES has not contacted me or verified any of this debt. This is in accordance with my legal rights under the Fair Debt Collection Practices Act ( FDCPA ) and the CFPB XXXX rights under federal law. This debt needs to be erased from my credit reports. I have documentation of my certified mail receipt as well as the XXXX postage receipt with the tracking information that shows NES received my letter on XX/XX/year> and neglected to verify these amounts owed.
Consumer complaint received 2024-09-01
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: JPMORGAN CHASE & CO. (PA)

I opened a Chase Sapphire Reserve credit card with a {$550.00} annual fee. It comes with a XXXX XXXX benefit, which allows access to the airport lounges. The pass takes 7 business days to activate. I had to travel before the pass was activated, so I called Chase customer service to ask what could be done. 
They asked me to use the XXXX XXXX lounge charge the fee to my credit card and call Chase later to request a refund. When I called them later to request a {$190.00} refund, the customer service said they could not issue any refund for this service. Although he accepted that the customer rep I called earlier didn't provide the complete information to me. So I am asked to bear the {$190.00} fee for no fault of mine. I called the customer service to do the due diligence before incurring this charge. Please help me sort out this situation.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (OH)

Hello, I recently got approved for a XXXX XXXX XXXX  by Chase. The advertisement said get a XXXX XXXX  once you are approved and continue with the application and it can be applied to the balance of your hotel stay. 

Well, I applied and now chase will not give my ecard to me and they. Are alleging I signed up for some other credit card. 

They obtained my social security number under false pretense and I want my XXXX XXXX.
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avant Holding Company, Inc. (IL)

I have told this company they are attempting to contact the woman who used to have this phone number and to quit calling me and remove the number from their system. They claim the number isnt in their system but continue to call.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (WI)

They are telling me my id is not clear in the photos I sent them on the opening page of my savings account that I applied for yesterday they have not unfrozen my acts, yet which has less then XXXX cents in the act. Want in to my bmo bank at my area they could not help me much told me they will upload my id and social card internet bill also. Hope you can help me out with this issue. call they said on the toll-free number they did not get it yet and don't why. Plan on close my acts their go with a new chose. Told me they will waive the XXXX dollars close fee for me when it gets unfrozen state. Then can be close in told acts there. Bank needs help in my op.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Im requesting the Original Contract with Terms and conditions.Im also requesting the complete history of the debt.I want account statements and notes.The account shouldnt been charged off and if it was it should have been paid off by the security on the account This Info being reported is incorrect and inaccurate informationIm willing to file a federal lawsuitI am willing to pay the {$400.00} and bring this violation of the FCRA and FDPA to court and before a federal judge.These people are violating my federal consumer law rights and my civil rights
Consumer complaint received 2024-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

Nelnet Student Loan servicing has to b

e one of the worst experiences. My payments keep changing with strange amounts. They won't let me setup automatic payments with an additional amount to pay more and pay down the loan faster. The website is impossible. I have had trouble logging into the site nearly every single time. I have never had so much trouble with a website and their forms. Sometimes it won't even load the login page. Other times it tells me my password is incorrect. I can hard refresh, clear cookies, etc but it won't work. Then, I'll try the same password 2 days later and it magically works. To speed it up, I can reset my password where they ask me for my SSN, not my email, to reset it. Then, the email for resetting OR for the 2FA can take over 10 minutes to arrive in my inbox.

The payment dates change. I expect money to be withdrawn on a specific day ( more or less ) but this week it was a full week early.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (TN)

I have previously submitted a complaint # XXXX Comenity about this issue and they denied I was a customer. I am very much a customer and I am the ONLY one on the account. My account number with Comenity Bank/Alpheon is XXXX. This is fraudulent. I was charged {$3600.00} in interest on my balance of {$2400.00} on XX/XX/year>. I enrolled in an interest free for 24 months account through my XXXX XXXX office. I paid the amount they assigned each month. However, at the end of the period, I was suddenly charged an additional {$3600.00} in interest. I called several times and spoke to XXXX, XXXX, XXXX and XXXX from XX/XX/year> all of whom said they were " supervisors '' /senior account specialists when I asked for a supervisor. I also wrote a letter on XX/XX/year> to Comenity Bank detailing the situation and their response redirected me back to the XXXX number with no acknowledge or resolution. All to no avail. I offered to pay the balance ton the phone with XXXX the day I realized I was charged that much interest but was told I could not. just pay the balance and delete the interest. This is an illegal and unscrupulous practice and it is adversely affecting my pristine credit score and my future financial endeavors. Please advise me on how to delete this from my credit as they have already stated I am not a customer. Thank you for intervening for me.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP (NJ)

on XX/XX/XXXX, I have submitted a dispute for a large amount ( multiple transactions ) of fraud/unauthorized international transaction that happened. 
it's XX/XX/year> business days and no provisional credit has been given nor any updates. I have called them everyday since XXXX business day point- they claim they are working on it but no updates and no credit has arrived. 
I believe this is a clear violation.
Consumer complaint received 2018-09-30
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: EQUIFAX, INC. (GA)

After 2 submissions of disputes in regards to my identity theft and non action from the credit reporting agencies, I have no question but to submit this complaint as I have submitted everything according to there corporate policies and FCRA 605b. in regards to Identity theft.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I am writing to formally dispute the validity of the debt you have claimed I owe. I recently received a notice from your agency regarding an alleged debt under my name. I believe this claim is erroneous, and I am requesting that you cease all collection activities until this matter is resolved & remove this from credit report. This is preventing me personally & my rights under the US law, my next step if this is not removed is alerting the Attorney General about this matter.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt. Please provide the following documentation to substantiate your claim : Proof of the debt 's validity : A detailed statement showing the original creditor, the amount of the debt, and any charges or payments made.

Verification of your authority : Documentation proving that your agency is authorized to collect on this debt.

Detailed account history : Records that link me to the debt, including the original contract or agreement.

Please be advised that while this dispute is being investigated, you must halt all collection activities and reporting of this alleged debt to credit bureaus. If you have already reported this debt, I request that you inform the credit bureaus that the debt is disputed.

Additionally, I request that you cease all direct communication with me until this matter is resolved. Any further attempts to contact me or collect on this alleged debt without providing the requested documentation will be considered a violation of the FDCPA.

Please send the requested documentation to my address listed above. I look forward to your prompt response to this matter.

Thank you for your attention to this important issue.

Sincerely,
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2024 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Debt and Request for Validation Account : XXXX Dear Jefferson Capital Systems, I am writing to formally dispute the debt referenced in your communication dated XX/XX/2024 I do not recognize this debt, and I believe there is an error. 

It has come to my attention that the debt in question was sold or transferred to your organization. However, I have not entered into any contractual agreement with Jefferson Capital Systems or its affiliates regarding this debt. As such, I do not believe I am legally obligated to pay this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. Please provide the following information within 30 days : XXXX. **Proof of Ownership** : Documentation showing that you legally own the debt, including any assignment or transfer agreements. 
XXXX. **Original Agreement** : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt. 
XXXX. **Itemized Statement** : A detailed account of the debt, including the original amount, interest, fees, and any payments made. 

Furthermore, I request that all collection activities cease until this matter is resolved and the debt is properly validated. This includes reporting to credit bureaus, as well as phone calls and letters. 

Please be advised that if you can not provide the requested documentation, I expect the debt to be considered null and void. Any continued attempts to collect this debt without proper validation will be viewed as a violation of my rights under the FDCPA. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions mortgage acquired my mortgage in XXXX. Since the start of the year they have been cashing my bill-pay checks later and later, and have assessed me 2 late fees this year. They have waived 1, but will not budge on the most recent one. My bank, XXXX sent out a bill-pay check by mail on XXXX with a check dated XXXX. Regions did not cash that check ( according to them ) until XX/XX/XXXX, but XXXX shows that the check was cashed on XX/XX/XXXX. My mortgage contract specifies that a payment is late after XX/XX/XXXX, and XXXX sent the check with plenty of time to make it to regions. 

Regions appears to be delaying cashing my checks until they can assess a late fee on me. They have suggested using their online web pay, but I do not trust their website, and their lack of technical prowess shows in the way they do not accept ach bill pay. 

I would like the CFPB to tell Regions to cash my checks when they are received, interoperate with ACH billpay networks, and stop assessing me erroneous fees. Regions should waive the late fee they assessed on XX/XX/XXXX.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I have an account with US Bank and wrote a check to pay my property taxes. The amount was withdrawn soon after so did not think to log in to see where or who withdrew it because was the same amount initially written out. I received months later a delinquency notice from the county for unpaid taxes along with a penalty fine for being late. I then logged in to see what happened to that check and found it was washed and made out to an individual and not the county and deposited into an atm of the same bank. I contacted police and the bank and started a claim which was denied due to not checking online statement within 30 days of fraud. I was unaware that the fraud happened until I received that notice 6 months later. I asked for an appeal to their decision and a review of my case to which they still denied even though they could investigate the person that deposited the check into their own bank.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RAS LaVrar, LLC (FL)

Several FDCPA violations have occurred between this company and their assignee over the last 3 months : 1. Consent and permission was never given to contact and communicate with any third party regarding this debt and XXXX XXXX  XXXX XXXX XXXX & RAS Lavrar , LLC violated this by making contact and discussing this matter with family members. 

2. A debt collector must provide a written notice within five days after its initial communication ( or in the initial communication ) including : a ) the amount of the debt, b ) the name of the creditor to whom the debt is owed, c ) a statement that unless you, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt collector will assume the debt is valid- the date on the notice was XX/XX/XXXX, both companies received a dispute on XXXX and XXXX via signature confirmation and certified mail respectively. 
d ) a statement that if you notify the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against you and a copy of such verification or judgment will be mailed to you - despite the dispute being received by both companies on XXXX and XXXX, there was never any response provided and or mailed. 
e ) and a statement that, upon your written request within the 30-day period, the debt collector will provide you with the name and address of the original creditor, if different from the current creditor. 

3. If you make a request in writing, the collection agency must stop communicating with you, other than to let you know that its ending communication, or it may ( or will ) sue you or use another legal remedy to collect the debt. XXXX RAS Lavrar , LLC never responded to the request and additionally without prior warning in their initial communication and subsequently, filed suit on XX/XX/XXXX. 

4. In doing this, they have falsely represented the character, amount, or legal status of a disputed debt which considered harassing conduct under the FDCPA. 

5. Lastly, in more harassing conduct, they are still attempting to collecting fees or charges the collector is not entitled to collect under the agreement creating the disputed debt. In their suit complaint, RAS Lavrar , LLC has included numerous fees, court costs and interest yet contradictorily provided a statement clearly detailing the terms of the payment agreement due on XX/XX/XXXX that was broken by XXXX XXXX  XXXX XXXX XXXX  on XX/XX/XXXX. Additionally, on XX/XX/XXXX, RAS Lavrar , LLC further acknowledges the validity of this agreement in their response to a prior CFPB complaint stating that they " have forwarding your concerns to our client as we believe XXXX  will be better suited to handle this matter ''. Despite this, as of today XX/XX/XXXX, their suit remains open.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

On XXXX XXXX XXXX  a person by the name of XXXX XXXX used my social security number without my authorization or consent to open up an account with XXXX XXXX also currently known as XXXX. I have no knowledge of this person, nor do I have any association with them. Using the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, the account was opened using her name and my social security number. The email associated with the account was XXXX. The account was disconnected in XXXX XXXX XXXX  and the balance left on the account was {$380.00}. Recently I received a notice of a collection on my credit report from XXXX XXXX XXXX. I contacted XXXX XXXX at their office who advised me to file a police report and to contact XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX Department on XX/XX/XXXX of XXXX and made a police report for identity theft. The police XXXX 's name was XXXX XXXX with the ID number of XXXX. The police report number is XXXX. I also contacted the XXXX XXXX department and spoke with their level XXXX security representative named XXXX. Her direct line is XXXX. I submitted my driver 's license, a current utility bill, a utility bill from XXXX, and a fraud packet I filled out to prove I am not that person and do not owe the debt. Currently I have a fraud protection alert on my credit although this was not in place for XXXX so the debt was placed recently by XXXX XXXX XXXX on behalf of XXXX XXXX even though I have proven that I am not this XXXX XXXX individual and have never lived at those apartments. I also spoke to XXXX XXXX who is the property XXXX for the property listed above. He has no record of me living in the apartments listed because it was XXXX XXXX who has lived there and opened up this account without my consent or knowledge. XXXX has had several data breaches which could also be the result of my social security being used. XXXX XXXX was negligent in allowing this person to open an account using my social without verifying her identity which would show it does not match me. They have continued their negligence by keeping me on the phone for hours and making me jump through hoops to remove the fraudulent charge from my credit report. As of today XXXX XXXX XXXX the charge remains although I have fully cooperated extensively. XXXX XXXX does not do their due diligence before assigning accounts or when collecting debts when it comes to verifying identity. XXXX XXXX wants me to find more bills from the exact date of when this person opened up an account. They accused me of needing to protect my identity better placing the blame on me as their current customer instead of the identity thief. XXXX XXXX XXXX won't do anything until XXXX tells them too which is the result of a holding pattern of no one getting anything done. Meanwhile my credit on my credit report is damaged causing me extensive stress and hours of work missed on the phone asking for help with no resolution at hand.