davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

I am not sure where to send this comlaint, but its about Jefferson Capital Systems LLC. They are based in another state, but I am getting harassing letters from a XXXX XXXX XXXX in XXXX, NC and I already know they have been hit by a class action lawsuit over this for violating the FDCPA. Looking to file a complaint online led me here.
Consumer complaint received 2024-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NC)

I spoke with XXXX on XX/XX/XXXX through the phone number provided ( XXXX ) on the debt collectors website ( XXXX XXXX XXXX ). I called after failed attempts to login and make an online payment. I entered the correct XXXX and Social Security number and received an error message that my account could not be found. The current balance owed on the letter I received In the mail is {$60.00} as of XX/XX/XXXX. However, she mentioned the balance was {$180.00}. I requested technical support to help me log in to see the rest of the amount owed but this was not provided. I asked to be mailed an itemized list of the balances owed since the mailed letter did not reflect the {$180.00} balance she mentioned. She said she could only send a {$0.00} balance confirmation in the mail once the amount had been paid. Despite her efforts to receive payment over the phone, I mentioned I would withhold payment until I was able to see all of the balances owed on my account.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

XXXX Account # XXXX Please provide the method of validation regarding the reporting of a late payment on XX/XX/2024. If you are not able to provide the method of validation please update the late payment on XX/XX/2024 to on time. CFPB Complaint has been filed.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MD)

On XX/XX/XXXX, there was a fraudulent withdrawal that took place on my checking account for my business XXXX XXXX. Account number XXXX where all of my money was taken by someone and transferred to an account that isn't mine, nor do I have access to in anyway. {$22000.00} was taken from me and they are refusing to pull it back or give me my money back... 

Normally you should be able to just report these and that's that, but USBANK is telling me that since it's beyond their standard 60 days that the fund can not be pulled back from the other bank in which someone transferred them to... 

This is ridiculous because I had originally called and reported this within the 60 days but that dropped the ball and did not put in a dispute case for this transaction. They told me that I should try to call the debiting bank XXXX, which I've never had an account with. Since I haven't had an account with them they weren't able to give me much info. By the time I got around to calling back and realizing that they had not disputed the charge the first time I contacted them, it was now past the 60 day point. I think this is ridiculous that over {$20000.00} can just be taken from me and they do everything in there power to make sure I can't dispute it within the proper time frame and actually receiving my money back. 

I have reported this to the police and am submitting the police report with this complaint to show that it indeed is not me whose done this and I need to get this money back.
Consumer complaint received 2024-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (OR)

AR resources calling from XXXX leaving generic robo calls without leaving any information on who they are trying to contact or why. I called AR resources last XXXX after receiving a threat in the mail over a medical debt, to which they refused to tell me who the medical provider was and how to contact them. Rude and unhelpful agents. They told me I had the original bill, which I did not, and would not help me. 

I called around many, many medical agencies and finally received a XXXX who helped me and apologized profusely as they never did sent me a bill, nor did they bill my insurance and sent info to AR resources for full balance. She emailed AR Resources to tell them to immediately stop all contact with me. This matter was resolved and closed.

I then received 2 robo calls on XX/XX/year> at XXXX, they left 1 robo call voicemail, again not leaving the name of the person they are trying to reach or any way of knowing why they are calling again.
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

They reported late payment and I ask them to put two months payment on the rear so I wont have a late report go on my credit. They agreed so they did here it comes XXXX XXXX I get a notification credit notification Capital One have put 30 days late payment on my credit
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (SC)

Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service. 
The information specialty consumer reporting companies collect depends on the reporting company and its specialty industry. 

++ NO REPORTING ON THE BELOW ++ ++WITH OUT MY CONSENT ++ Opening or using bank accounts ( including bounced checks or overdrafts ) Apartment rental payments Car insurance claims Homeowners and renters insurance claims Employment Medical records or payments ++ DO NOT SHARE ++
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

During Pandemic, I received a letter from American Express dated XXXX XXXX that my credit limit is reduced from XXXX to XXXX giving me following reasons : 1. My credit score is XXXX XXXX. I have other credit cards with high usage. 
3. One payment sent by me was returned.

4. Too many inquiries on my accounts.

My answer was that reason 1 and 2 is nothing wrong and in my favor.

3. The payment returned was mistake of an employee of American Express error as my bank account number got changed. I never used my bank account to make a payment on my credit card and always used Money order. This was first time I made a payment via my bank account. The american express was called several months before this payment issue and informed about bank account number changed and they reported that change is made. I have PROOF of phone company record that I informed American Express several months ahead of this incident. The minute it came to my knowledge, I contacted AMEX and asked them to charge my new account which I gave them several months ahead and it was paid in a minute. I was offered 10 days to pay whereas I paid it in minutes instead of taking time. XXXX of that they reduced my credit limit. I gave information about my money in stocks, my bank account baance, my ownership of a house but they always will ask me my date of birth as verification for accounts to talk and through my date of birth they can see that I am at XX/XX/XXXX of age and have great chance of XXXX due to pandemic so they kept refusing to increase to my old limit. 
Their 4th accusation was a lie, LIE, that I had too many inquiries. I had only ONE inquiry in 24 months. Bottom line is that I was made victim of PANDEMIC. Upon contacting to file a complaint with their arbitrator and also on their website they offering arbitration address. I sent a registered mail complaint it returned that address not deliverable and I still have that envelope unopened.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I want to report that I have been a victim of fraud. With my name, social security number, and address, someone opened a bank account in my name, on XX/XX/year>, which was immediately canceled. We received a check from the bank for the amount that the person opened the account with, which we have in our possession. I would like to know if I need to do anything else besides sending this email to protect my identity. Thank you for your help and attention to this matter.
Consumer complaint received 2024-06-17
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: CITIBANK, N.A. (IL)

We ( spouse & I ) purchased washer & dryer at Best Buy approximately XX/XX/XXXX. They applied {$3000.00} to a Citibank credit card and we paid the balance with cash ( {$1200.00} ). The balance included XXXX pedestal drawers, delivery, installation, installation parts, & 1 haul away. These were top of the line XXXX front loading appliances. We understood that delivery would take place in the not too distant future. We were notified later that the washer & pedestals were not yet available but they would deliver the dryer with the washer and pedestals would come later, which we agreed to. Upon arrival and un-crating, it was obvious that dryer was damaged. They ( Best Buy ) offered to leave dryer, as it was operational and they had already removed the old dryer from the basement, until they could bring a replacement along with washer & pedestals. Next at a later date, another damaged dryer was delivered. We refused delivery. This happened yet again and we refused again. Then they delivered a damaged washer. We refused delivery yet again and canceled the entire order when prompted to do so if we desired. So they removed their dryer and we sought out a different vendor. During this time span, we paid on the Citibank card regularly, XXXX payments totalling {$400.00}, not to mention the original cash payment of {$1200.00}, which we reasonably expected to be refunded. Since the cancelation of the order, we have not been refunded the {$400.00} and have been hounded for payment of balance due of varying amounts from {$190.00} to {$1700.00} ( +/- ). Plus interest accruing! We are to a point where we have no idea who to dispute to or what to dispute when it all is so simple. Since they have refunded the {$1200.00}, cancel the balance due and refund our {$400.00}! We had already disputed the balance due as well as the {$400.00} to Citi and the man agreed that it was a simple calculation and there really should be no dispute. He said we should here from Citi within 90 days. We're not even sure who we are dealing with, Citi or Best Buy. Help! 

Order numberXXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-08-05
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. (FL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Well I've been incarcerated since XXXX of 2023 and just paroled late XXXX of XXXX during that time I was not able to any payments to any company that I owe because of my incarceration.I want to ask for forgiveness and want to fix financial problems, my credit score, and debt.I believe I owe {$2300.00} to Golden 1, XXXX XXXX {$500.00}, XXXX  XXXX owe {$300.00} And XXXX  $ XXXX please consider my dispute to be valid.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (WI)

Given below are two examples of the charges on my US BANK VISA card bill : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were 13 charges of this type. I did not recognize these charges so I contacted US BANK over the weekend to get more information and was told that the only way I could get more information on these charges is to claim fraud, in which case I would have had to get a new card. 

I then contacted the above telephone number, XXXX, which turned out to be the telephone number of XXXX. I called that number repeatedly and they were never able to find these charges on their system. 

After calling US BANK a number of times and getting the same message that I had to claim fraud to get more info on these charges, I finally got to someone at US BANK that was willing to violate that policy. 

He told me that all the charges came from places in Connecticut. From that I figured out that a wealthy relative had accidentally charged restaurant bills on my credit card. He fixed the problem and is going to send me a check for the false charges. This resolves the immediate problem. 

-- -- -- -- -- -- -- -- -- -- - It should be much easier for me to get more info on US BANK charges without having to claim fraud. XXXX is partially at fault for not being able to find information on the above charges. 

I hope that the CFPB can persuade US BANK to make it easy for me to get more information on specific charges without having to claim fraud.
Consumer complaint received 2024-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

XX/XX/year> Wells Fargo transferred our house loan to a new company called XXXX XXXX  by them doing that it change the mortgage price of the home. Our loan was suppose to be with Wells Fargo for a certain length of time at a set rate. They said it wasnt going to change but they did anyways.
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (FL)

There was a fraudulent XXXX XXXX account opened in my name. Creditors were double pulling from multiple accounts unbeknownst to me. XXXX XXXX XXXX, I paid {$23000.00} ona {$16000.00} loan in just over a year. XXXX XXXX XXXX I paid {$32000.00} on a {$26000.00} loan in XXXX months. When I requested XXXX authorizations with my signature, they sent me XXXX  emails that when opened automatically signed themselves with no option to decline, and were predated. 
XXXX XXXX XXXX did not report XXXX separate payments that were for {$8000.00}, XXXX went to interest.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have submitted letters by mail as well as online. Credit report agency is telling me they determined it's not me, when I verified who I was. They have no right and is clearly committing fraud against me. The company is nothing more but an agency company and reporting things that are inaccurate on my personal information. I am living and breathing. I am capable of reporting my personal information on my own. And Experian reporting agency have committed fraudulent activity.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.