davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This New complaint is directly related to a pending, awaiting response from the company, Portfolio Recovery Associates , LLC That pending complaint with your agency is # XXXX filed on XXXX 

As to the above, this company Again, refuses to abide by my demand in the pending complaint and awaiting a response, to cease and desist any further communication with me directly regarding this alleged debt. Ive also sent by certified mail to this company, Portfolio Recovery Associates , LLC, a cease and desist letter and related request information but this company continues to contact me despite my legal request to cease further contacting me. This happened due directly to a collection letter from Portfolio Recovery Associates , LLC I received today, in the mail to my home. Letter is dated XXXX XXXX XXXX XXXX XXXX days after being electronically notified of a complaint mentioned above and informed in that complaint that clearly states to cease and desist further communication immediately in the desired outcome section. Then, receiving a certified letter that was confirmed received by this company to cease and desist any further communication and related alleged debt request but the company still persist in contacting me by sending this letter i received today. I did call this company today, informed the representative of this violation and pending complaint that if it continues, I would file a formal complaint with FTC and the fair credit reporting agency as to violations of my rights. This is not the 1st time this agency/ company has in past, violated my demand to cease and desist in other incidents that are well documented as well.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC (TX)

XX/XX/scrub>XXXX XXXX XXXX  - I received a text from XXXX XXXX XXXX stating there is a balance on my account for {$100.00}.

I responded immediately via text stating that I do not have a balance with the company and that I was not paying for a service that I did not schedule, approve, or receive.

The Company responded with an apology about the confusion and asked if a time could be scheduled for them to come out and treat my house.

I declined.

On or about XX/XX/year>, the original creditor, XXXX XXXX XXXX, fraudulently attempted to withdraw {$100.00} from my bank account without my authorization. This unauthorized transaction triggered an investigation by my financial institution, which led to the reversal of the fraudulent charge.

I received an undated collection notice from
DEBT CO, LLC. I responded to their letter disputing the debt and I never received a response from them.

On today, the debt for {$110.00} was listed on my credit report and dropped my score XXXX points. I called DEBT CO, LLC and demanded that they remove the debt, which they refused to do.

Both companies are trying to strongarm me into paying a debt for services I never received. I want this debt removed from my credit reports immediately and collection to cease.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX & XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (FL)

I have had this card for years, never late or missed a payment. I have automatic payments set up, the company missed my auto pay in XX/XX/scrub>XXXXXXXX XXXX by the end of the month they put a late fee on my account, ( {$29.00} ), and made my payment for XXXX  from {$52.00}. To {$170.00} in XXXX, I call immediately and they were to straighten it out since it was their fault not using my auto pay, they removed the late fee but never lowered my monthly payment, I can not afford a XXXX payment as I am XXXX and on a fixed income, this was not my fault
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

I recently discovered that my identity has been compromised, leading to the fraudulent creation of XXXX accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 
I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.
Consumer complaint received 2023-09-15
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. (CA)

I AM THE VICTIM HERE AND TRUSTED YOU TO INVESTIGATE THIS MATTER WITH FAIR AND JUST! !. I QUESTION THE AUTHORITY upon which this denial is based and request clarification on the matter. Please clarify, why you will NOT block my identity theft because youve determined its an error or misrepresentation of material fact. When YOU ARE NOT IN THE POSITION TO DETERMINE THE MATERIAL FACTS? ONLY THE JUDGE OR THE JURY COULD JUSTIFY THIS MATTER. YOU HAVE ABSOLUTELY NO RIGHT!!! The FTC states if you receive an FTC identity theft report which is filed with a law enforcement agency ( WHICH IS THE FTC ), then you are to comply with the law I AM DISPUTING THESE UNAUTHORIZED ACCOUNTS AS THESE WERE FRAUD : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit bureaus are obligated to conduct a reasonable investigation. I am unclear about the specific reasons for denying the deletion of these fraudulent accounts. I request that you provide a detailed explanation of the basis for your denial, citing the specific provisions of the FCRA or any other applicable regulations.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check for {$95000.00} into my friends account he walked in a deposited it they told him it would be no problem and now they have blocked his account the money has been pulled from the issuers account and put into my friends account but they wont release funds until they can call me on a phone that comes up on their system as registered in my name so I went and bought a new phone registered in my name and now they say it takes 4 to 6 months for a new phone to show up in someones name if its a new phone so theres nothing I can do except call the issuer of the check and ask them to put in a claim for the money and hopefully they return it. I sold my XXXX XXXX for this money because my mom is losing her home I can not wait 6 months for my money to be released I have a chase credit card with my name on it and my phone number is on that account as well and still they wont release funds because my phone doesnt come up in my name on there system I can not believe this I talked to the issuer of the check and they said basically they paid me and the funds have been pulled from their account thats all they can do chase has my money they know exactly who I am and still wont release my funds they have closed my friends account the lady at the XXXXXXXX XXXX said when my friend deposited that check he committed fraud yet 3tellers looked at the check and had him sign it and then deposited it into his account I need this money my mom is losing her house please help
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MI)

made two credit card payments to XXXX from my Chase account on XXXX XXXX and XXXX. Chase did not submit funds, yet the funds came out of my account. Coincidentally, I was a victim of fraud on my checking account. The fraudster convinced Chase Customer service to change my verbal password and security questions, then changed my address. My account was closed at the end of XXXX. The XXXX dept. at Chase found my money, but since my account was closed they mailed a cashier 's check. The fraudsters address was on my account. The check was mailed there and the fraudster signed my name and did a mobile deposit to her XXXX XXXX account. Chase will not return my funds and gave me contact info for me to call XXXX XXXX myself. I did nothing wrong. No one has told me why they did not send my payments to XXXX. Chase Customer Service allowed the fraudster to change my verbal password and additional security questions. WHY??? If the person didn't know my verbal password, what's the point of establishing these additional levels of security. Chase is the one who made several mistakes and they won't give me my money until they get it from XXXX. I shouldn't have to wait. This is not right. I am owed {$2800.00}
Consumer complaint received 2024-09-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (GA)

Consumer Adjustment Company has purchased or been assigned an false/alleged debt without my expressed written consent, and has furnished negative account information to XXXX XXXX XXXX XXXX, and XXXX, causing damage to my personal credit score, name, and character. I am seeking redress to have the entire account deleted from all of my credit reports and to cease and desist all collection activity.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MA)

I received an email from my chase credit card on Saturday XXXX reporting new accounts opened. One by XXXX  XXXX XXXX which I have contacted to report and one by XXXX XXXX  XXXX with a non working number on my credit report. I did not open these accounts.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

The weekend of XX/XX/XXXX, I opened up a fraud claim on unauthorized charges to my account from XXXX. XXXX refunded me 3 of the 10 charges, leaving me to start a claim with Citizens for remainder 7 charges, totalling {$750.00}. 

AFTER the initial claim, XXXX refunded {$320.00} ( XXXX, XXXX, XXXX ). Please make note {$310.00} was refunded to my account from XXXX BEFORE I made a claim- this was not part of my claim created with Citizen. 

After the investigation, Citizens concluded that I received my refund from XXXX and Citizens withdrew the claim amount back out of my account. A claim rep and I figured there must have been confusion with the first refunds XXXX made that were not part of the claim. 

Once again, a claim rep and I opened the claim once more but adjusting the amount based on the {$320.00} that was credited by XXXX after the claim was created. The amount was now {$420.00} ( {$100.00} x XXXX ). 

I received the money from Citizens to yet again have it withdrawn again later. 

I called Citizens and they said I just have to reopen the claim. I told them I need to actually speak to someone because this claim is not being processed or investigated properly. Its been months and no resolution The reps on the phone said they are unable to do anything other than open a claim. So I went into my local branch, went line by line to check the amount and have it verified that the claim amount is correct. And opened a claim for the THIRD time. 

I have requested for a call back twice from claims department, and I have never received one call. 

I am now overdrawn in my account and being assessed more fees because of the money pulled back out of my account on 9/22. I had pending payments and automatic all coming through this past week.

I called citizens to see if I can have those fees removed and I was told they were unable to help me and I have to wait for claims, which can take up to 10-15 days. 

I have lost money to fees for this money not appropriately being credited and debited from my account multiple times. 
. I need my money back and my fees reversed. This is not right under the Truth and Lending Act.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC. (VA)

My Gap did a recalculation and increased the amount for a car that had a total loss, they sent this increase directly to the Santander Bank where I had my car loan, this account had already been closed with the Bank, because the total payment had already been made They sent the check to be re-endorsed in my name and they supposedly sent it on XX/XX/XXXX of this year to my address, the check never arrived, Santander is supposed to cancel this check because it was lost and asked them to send me another one, I have spoken With more than XXXX agents during all this time trying to find out what happened to that money, now it turns out that the money does not appear, and Santander does not know how to give me an accurate answer as to what happened with that refund. My XXXX company has already paid that increase. on XX/XX/XXXX via XXXX to my loan number, more than 2 months have passed and I still have not received my money and now Sanarder wants to make me believe that that money never existed.
Consumer complaint received 2024-07-30
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. (TN)

The following information in this report does not belong to me. My information has been compromised, or Im a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 15 1681. You are required to remove all information in XXXX days.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (TX)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX  v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-09-03
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. (NY)

I hired someone to file my taxes. The person presented me with an incorrect filing. I said I wasn't signing the return and asked them to delete my information and refund my money as they didn't prepare it correctly and did not do everything they said they would during the process. They refused to process the return I disputed it with Chase Bank and Chase bank sided with the vendor claiming the vendor sent them a completed tax return. After several phone call in different departments and visits to the bank, they refuse to reverse the charge and they gave me a copy of the evidence they accepted a full copy of a tax return nothing redacted I kept telling them it was illegal for them to accept this and to delete my tax return from their systems and they refused to do so. Every time I spoke to someone at the bank they were looking at a copy of my tax return. It was illegal for the CPA to give this without my written consent and Chase bank should have never accepted this as evidence. I have asked someone at Chase Bank legal to reach out to me and nobody has.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (PA)

I have about 14 credit card inquiries that I have no knowledge about, I am a victim of identity theft where some one opened credit accounts with my information, I filed a complaint with the police department and credit companies and also filed credit fraud but they will not remove them..dont know what else to do..
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (AZ)

On XXXX  XXXX XXXX I applied online for a second credit card with Discover. Discover denied my application which is a negotiable instrument. I have one credit card with Discover which is perfect standing. I have not missed any payments. I do not have any late payments. I do not carry a large balance. Yet Discover denied me access to credit. That ia a violation of several Federal laws such as the Fair Credit Reporting Act and the Equal Opportunity Act. I requested Employees of Discover to return my application to me but my request was denied. Discover has refused me to increase my credit limit in the open account I already have so I applied for a new credit line. Discover is reporting private transactions to third party non affiliates which is a violation of FCRA. Some codes violated are 12 CFR 1002.4 ( a ), 15 USC 1691a ( 3 ) This is Discrimination. I am exercising my right in good faith under Chapter 41, that right is evidenced in the ECOA and the TILA 1602 ( f ) credit. 12 CFR 1002.4 ( b ) it's rather discouraging to hear Discover thinks I don't qualify in a " consumer '' credit transaction without being provided a reason, which per 12 CFR 1002.9 ( a ) ( 2 ) ( i ) is required. To the " extent '' that Discover considered my creditworthiness it should've been done in a manner consistent with ALL qualified applicants for a similar type and amount of credit. Discover should also preserve MY original application I submitted per record retention LAWS. 

1 ) The application was a deposit of a negotiable instrument.

2 ) The deposit was done electronically.

3 ) The instrument contained a Power of Attorney that allows Discover to open accounts in my name.

4 ) I now demand for Discover to provide me proof that the actual instrument was denied/returned, Or 5 ) Discover needs to provide a satisfactory method for stopping the deposit from happening.

6 ) If they can not ( which I am positive Discover can not ), I demand Discover open the account and issue the card so I can track the accounting via monthly statements and monitor the account for fraudulent activity.

I will follow up with a certified letter submitting a complaint to the FTC.
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC (IN)

A loan for {$700.00} was taken out on XX/XX/year>, however, this loan is illegal in my state. This loan is charging 600 % interest, which is illegal in the state I reside in, XXXX. They claim to be free of any law 's minus " XXXX XXXX XXXX XXXX however, they are operating illegally under the nationally recognized XXXX name and are being operated by a third party not associated with this XXXX  at all. XXXX XXXX are still required to follow state laws in the states they are dispersing loans, however, there is no license for this lender in my state and therefore, this loan is completely null and void.
Consumer complaint received 2024-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (IL)

I made ontime regular payments until XXXX. The company increased the payments from {$61.00} to {$590.00} a month. I spoke to an agent and advise that the payments were not manageable. The agent refused to assist and stated that no adjustments could be made at this time. Unable to adjust the payments it is currently 24 days past due