davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX c : XXXX. 
Email : XXXX Customer Service at Zelle XX/XX/year> To Whom It May Concern : This letter is regarding a recent transaction on XXXX XXXX  ( XXXX  ). I was selling a coffee table on XXXX  to a person named XXXX XXXX XXXX. I was asked to open a Zelle business account and would be required to put money into my Zelle account. I only had a personal account and XXXX XXXX  Zelle would not allow deposits into in a personal Zelle accounts. 
I added {$300.00} of cash from my credit union account into the Zelle business account so I could show it was active. 
When I opened the business account XXXX could put her {$300.00} into my account to pay for the table, my {$300.00} was taken from my Zelle account-but the customer did not put in her {$300.00} to purchase the coffee table. In principle, I was hacked! 
I debated this charge with my credit union, but they determined it was a Zelle issue. Therefore, I am requesting a refund/credit of {$300.00} be placed back into my credit union account.t I feel Zelle was allowing hackers to rip people off like myself. 
Please see the Pics for the texts we had back and forth to seal the {$300.00} transaction. I also am including a letter from my credit union explaining the right to receive resolution. 
I have closed both Zelle accounts and am very leery going forward on using any type of XXXX or Zelle apps currently. 
Please advise next steps. 
I look forward to hearing back from you. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
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. (CA)

XX/XX/2024 On XX/XX/2024, I sent in a letter to Chase which said the following : " Hello Chase Disputes, I have submitted evidence that these charges are not valid. Please can a manager give me a call back regarding this case because I have not heard anything regarding the status of the case. The last thing I heard was that the merchant was required to respond and that it was under merchant review. I have not heard anything since. 

I am available to answer any questions or to provide additional documentation upon request if it is required to substantiate my claims. 

Thanks '' As of XX/XX/2024, I have not recieved a call back from chase.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

The Milestone credit card will hold your payment for Fourteen Days before posting your received payment and wait to update your availible balance! 

They will not reveal the option on their website for customers to pay with their debit card or post the option! 

They will also delay thye process of accepting your payment by check and let the payment sit in dormat for fourteen days calander days which appears to confuse the customer thinking that the payment has already been withdrawn from the checking account! 

Nevertheless, Insufficent funds are occuring because of this practice which fees are assessed from the creditor and we as customers are being reported with lates fees, late reporting on credit reports, and never informing the customer that their payment didn't post and check didn't clear! 

I hoping that a class action lawsuit is filed and this practice is investigated by authories!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My finalized dispute has Confirmation Number XXXX, submitted XX/XX/XXXX : XXXX XXXX XXXX are still being included on my Equifax report with balances, although the balances transferred to a new loan servicer ( XXXX ) at the beginning of XXXX. The other two credit bureaus correctly updated balance information for these loan holders, but Equifax presents both XXXX and XXXX with balances -- displaying XXXX as much in student loans. Equifax closed the dispute on this after only updating XXXX info to show balances as *current, * but not {$0.00}. Once the dispute was closed by Equifax, I called XXXX to ask about the situation from their end ( months ago ). A XXXX rep confirmed the loan balances are {$0.00}, and encouraged me to submit an easily accessed XXXX XXXX letter showing loan balances are {$0.00} ( which letter had been included in my filing of the dispute with Equifax ). The XXXX rep was also able to tell me Equifax had contacted them, but not what was discussed. This latter makes the situation more confusing, as Equifax still didn't remove the XXXX loan balances. The whole situation is now further complicated by the fact that my Equifax credit report is no longer accessible, and has not been accessible for months ( which is why I'm now filing this complaint ). I called Equifax on XX/XX/XXXX to try to restore my report, but the agent I spoke with was not able to help and deflected from concern about the report being unaccessible ( though she couldn't access it, either ). She recommended waiting -- said that maybe the problem was a momentary glitch which would resolve on its own. I did wait -- nearly two months, now. My Equifax report is still not available, as of now. I just called Equifax again, and the agent I spoke with told me to call back later because their entire system is currently down. These experiences make me question whether Equifax remains a viable business. Can you please find out what is going on with Equifax, and please help with this situation?
Consumer complaint received 2024-06-25
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: LEXISNEXIS (IL)

On XX/XX/XXXX I requested my information to be suppressed due to my position with the federal government. I received a letter from LexisNexis stating that it was complete and my information was now unverifiable on XX/XX/XXXX. I have attempted to dispute the information with the credit bureau who are advising that LexisNexis is verifying the information as accurate as of XX/XX/XXXX. I have been filing complaints, disputes and paid an attorney a still they are refusing to make the necessary corrections. When you send the information over they always stated they will correct it and nothing
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

On XX/XX/year>2024 at XXXX I called XXXX to asked to speak to the fraud department. Once connected I explained how XXXX is reporting inaccurate information on my file and how it's fraudulent. I explained to the agent that I have already had the Public Record removed from XXXX and XXXX and the documents that I sent them. I explained that I have also provided the same documentation to XXXX as the other agencies and the Public Record has since been removed. The agent at XXXX proceeded to tell me that I needed to go to the court and ask to have the public record expunged. I proceeded to ask the agent how can I get a letter for a Public Record for a bankruptcy that does belong to me.
Consumer complaint received 2024-06-17
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. (TX)

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading entries on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely impacted my life, causing immense stress and XXXX  I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this information wrongfully associated with my name and credit file.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

I found a letter from Credit Corp Solutions Inc reference # XXXX stating that there i a debt owed from a creditor XXXX XXXX that was charged off XXXX stated that they are the sole owner of this debt, well congratulations on taking care of something that was allegedly owed. Also who is the Holder in Due course of a consumer credit transaction per the FTC rule.
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I do swear under oath that, fact XXXX XXXX XXXX and Capital One financial corporation has knowingly and willfully withheld pertinent information under TILA upon retail installment contracts such as the disclosure of my rights, one being the right to rescind. Also in violation pursuant to 16 USC 433.3 preservation of consumers claims and defenses, this was not included in my original agreement which shows a severe violation as it must be present and stated inconspicuously. Most severe, violating antitrust law, Pursuant to 31 CFR 357.44 notices hypothetical 5 a severe breach of fiduciary duty has occurred as I was never compensated for my original note. I did not receive my Federal Reserve notes applied for in a form of a check from the United States Treasury nor was the second disbursement of the same amount of securities applied to the account for set off to the account for my purchase. I am the accredited investor and holder in due course.
Consumer complaint received 2024-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KCC Services, LLC (PA)

I want people to be wary of KCC Services LLC. 

I had a medical debt that went collection services unfortunately. I received my first couple of notices in the beginning of XXXX, but I received an official notice that it would be going to KCC in the beginning of XXXX. I immediately paid off the debt XX/XX/XXXX of XXXX. I did not want this to affect my credit and I was tired of fighting the insurance. 

XX/XX/XXXX rolls around and I get a call from an unknown number stating I had an unpaid debt. I informed them that I paid this off last year as I was purchasing a house and wanted all debts paid. The representative said I was wrong, stuck to their system, and said I would need to pay the debt. They were adamant I was wrong. The representative then sent me a piece of mail requesting the payment with the charge. The amount was exactly what I paid and luckily I found which bank account I paid it from. 

I called them XX/XX/XXXX and gave the representative the lowdown that I need them to check their system as I paid this last year. After hesitancy she check her system again and immediately found that the charge I had physical proof of was in fact paid and " lost in processing ''. 

KCC Services LLC. XXXX XXXX XXXX XXXX, PA XXXX. A company based around collecting hard-earned dollars can't even keep track of payments made. Thankfully I made the fuss about it because I know I was right, but how many people do you think are double charged? Triple charged? This is a company that needs to do better if they are the ones running around and sending debt collection notices.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (MA)

When you pay to avant- credit card not even XXXX XXXX goes against your debt by the time they apply payments you will always owe more and more. They take your money and dont apply it for almost XXXX weeks! Every month eve thing you pay they take in interest whatever is left disappears. They have a very weird way of doing things. I believe they are cheating people millions by doing this practice.
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MD)

I have automatic payment set up through my checking account to pay my mortgage. PHH is supposed to take out my mortgage payment every month + {$200.00} extra to put on my principle. It is now XX/XX/19 and they have not taken out my XX/XX/19 payment. I have sent emails and no one has responded. I have called 2x and was put on hold for 1 hour each time just to be told they did not know why the auto payment was not taken out, and to call back later if it still was not taken out. I need a call from a manager from America immediately so I there is no miscommunication. I need this to be fixed ASAP, before PHH starts charging me late fee 's and it shows up on my credit report that I was late on my mortgage. This is utterly ridiculous, last month i sent a check in by the mail and they did not cash it for over 2 weeks. There is a total lack of accountability with this mortgage company. 

{$1500.00} supposed to be taken out XXXX of every month XX/XX/19
Consumer complaint received 2024-07-16
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. (CO)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (MA)

The company CAVALRY PORTFOLIO SERVICE LLC have placed a account collection in my credit report without sending or provide me a notice of my rights, required under 15 U.S.C 1692g. 

The company CAVALRY PORTFOLIO SERVICE LLC affirm that they did but I did not receiver such a notice, if so I request them to provide me with proof of delivery to me with my signature ( certified mail with a receipt ). 

Therefor The company CAVALRY PORTFOLIO SERVICE LLC have been notified with a letter to cease and desist ( in attachment ) on FCPB complaint # ( XXXX ), and a letter ( in attachment ) request to remove the collection account off my credit report.
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC. (FL)

The initial balance was for {$3200.00} and I tried to cancel this with the XXXX within a 3 day period. They offered to cut the payments in half so I would not be paying {$120.00} per month but rather {$60.00} per month. The contract was written that payment would be for 24 months. The Spa refunded {$1600.00} to leave {$1600.00} balance. Cherry Technologies Inc who holds the loan, is continuing to charge me the full {$120.00} ( actually payments of {$130.00} ). I kept complaining to XXXX XXXX and they kept telling me they would fix it. After months of trying to get this fixed and them promising to fix it, I contacted Cherry Technologies myself. They are charging me on a 12 month basis, when my contract clearly says 24 months. I tried to dispute on XXXX and even though it states 24 months and I owe {$1000.00} they state that it is accurate. It clearly is not accurate, the original {$1600.00} divided in 24 months is {$66.00} per month and they are still charging me the full monthly amount of {$130.00}, as if my balance was {$3200.00}. XXXX XXXX never originally never went over cancellation policy and also did not give me copies of the contract until I demanded copies. On XXXX it even says 24 months so I am not paying more than {$66.00} per month for the 24 months that my contract is for. When contacting Cherry Technologies the rep has told me that they have had several complaints on XXXX XXXX They are running a shady business!
Consumer complaint received 2024-07-01
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. (TX)

I had bigger Denial on automobiles XX/XX/XXXX pre approval, when I tried to make credit purchases through XXXX, XXXX XXXX  installments and car insurance payments increased double XX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (LA)

I recently reviewed my credit report and noticed a collection account listed. I did not recognize this information because I have never signed a contract with this company or have ANY liability to this company. I have tried removing this collection from my report as it is seriously affecting my from obtaining future credit. I received a letter in the mail from this company in which they are a XXXX party company that buys debt from other companies. The original creditor in which was home depot discharged the debt yet I am still having this company report negative information on my report. I did not give home depot to report my information to this XXXX party and according to there policy and my privacy rights they are not affiliated with company. I have also tried to remove this with the credit reporting agencies and requested information as to how they verified this information and they only told me the information came back verified but they did send me proof of how it was verified. This account continues to show an open balance on my report in which is a violation a collection can not be reported as an open balance. All three credit reporting agencies have different information that is also a violation of my consumer rights. My report should show the same for all three credit reporting agencies.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (IN)

I received a letter from Mcarthy Burgess & Wolff. Threatening action for a debt that has nopthing to do with myself or my business. They are claiming a debt amount of {$160.00} for McMaster-Carr supply company . I have never engaged in business with this company. Mcarthy, Burgess, & Wolff have also not returned calls regarding this claim. I have no idea who and how this happened. This clearly is an internal issue on their end however, they are threatening legal action and most importantly false reporting to credit bureaus.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case