davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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)

I bought ticket with XXXX XXXX amount XXXX XXXX on XX/XX/XXXX via Chase XXXX The ticket that I was charged is unable to return, but its possible to change date with the changed fee {$300.00}. At beginning, I just was going to change ticket, but I didnt know how to do it online, so I called their Customer Service and they told me if I need to change ticket I had to cancel original ticket first, they would give me the points, then I could use those points to buy new ticket and pay for exchanged fee & different fare, but when I cancelled ticket they didnt give a the points, I called back to them to ask then they told me that I must call them let them cancel ticket, not do by myself, but the main thing they didnt mention this to me so how I know? I feel I have been treated and they didn't do as their Customer Service said, so I made dispute charge. I made dispute with Chase Bank, at least 2 times I received Chase letters said my dispute already resolved but I was keep waiting but no charge was returned back to my account, I kept making few more claim letters with Chase since XX/XX/XXXX to XX/XX/XXXX then finally Chase rejected my dispute due " ticket policy is no return ''. 
This isn't correct, first thing, I didn't want to return, I wanted to change ticket date but their customer service didn't do as what they said, I felt not satisfied with this, so I made dispute, because it happened long time ago, so I don't have record for the date I talked to their Customer Service, Second thing, Why Chase Bank sent me letters said my dispute were resolved but finally they changed, what did they do before they send letter note to Customer, how come they can change completely
Consumer complaint received 2024-08-22
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 (CA)

I opened three claims against XXXXXXXX XXXX Lawyer and XXXX, where I received received temporary credits from the bank for these claims and the claims were approved and I was credited again and theyre saying the merchant refunded my money as well so they took their money out of my account now Im overdrawn {$800.00}. I asked him. Why didnt they keep the money that the merchants sent back to my account and they said it didnt go through them. It went straight to my car. I guess I find that I find that and I think they lied and credited me and now overdrew my account and Im gon na lose my Social Security on the first. And now I wont be able to pay rent
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS (TX)

The following companies made inquiries to purchase a car that I did not apply for or ever heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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: Consumer Portfolio Services, Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Please see for new and updated information. 
According to Capital One, an application was received by Internet on XX/XX/XXXX and an account was opened XX/XX/XXXX for account ending in XXXX. Please see attached. How is it that an account application was received in XX/XX/XXXX, but the account was opened in XXXX of XXXX before the application was received. Delete this account from ALL consumer reporting agencies including but not limited to XXXX, XXXX, and XXXX. 

I have requested an audit trail, which may include but is not limited to an account file, an account ledger, account transactional history, any and all accounting documents pertaining to this account. Capital One currently has not produced ANY of these documents. Capital One states the account was opened with a valid contract between me and Capital One. 

XXXX XXXX numbers- XXXX, XXXX, and XXXX are receipts that prove Capital One received documents from me requesting an audit trial in regards to account number XXXX. 

I hereby demand Capital One to remove the above-mentioned account information from ALL my consumer reports including, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have documentation to support the following, please reach out and I am happy to send. 

I am looking for assistance with MOHELA and the US Dept of Education Student Aid. In the last XXXX weeks, I have contacted XXXX XXXX, XXXX XXXX and XXXX, but have not received a response. I also sent a WH.gov complaint. In researching issues with MOHELA that others experienced, I saw an article where Senators XXXX and XXXX directed CFPB to investigate MOHELA 's practices, I am an attorney for the US Dept of Veterans Affairs OGC and have been working there since XX/XX/2015. 

Initially I reached out to my Congressional representatives due to deceptive practices with MOHELA informing me that I was entitled to a refund in multiple mailings, but then after I formally asked for one, told me that I was not entitled.

Yesterday, new and more serious problems arose with MOHELA and studentaid.gov. I logged into my studentaid.gov account yesterday to deal with yet two more deceptive, confusing mailings from MOHELA. For the first time, I was greatly disturbed to see that studentaid.gov said XXXX LOANS ineligible for PSLF. This is the first I have EVER seen such a message, and it is VERY concerning, as I consolidated my loans into Direct Loans in XX/XX/2015 after starting at the US Dept of VA so that it qualified for PSLF. I understand there is a review of SAVE, PSLF and other programs. However, I am less than a year away from hitting 120 months of public service. I am INCREDIBLY CONCERNED AND WORRIED that the system is so broken that I will be delayed in receiving my loan forgiveness. 

As for the MOHELA issue that made me login in the first place, in a mailing that I received yesterday, the number of payments and start dates do not make sense there either. A second mailing said that my payment will be reduced, yet autopay on MOHELA will be for a higher amount. I logged into MOHELA yesterday and could not adjust my payment. I am concerned that I will a ) overpay and/or b ) be told later that, by paying the lesser amount, that wasn't a 'qualifying " payment for PSLF purposes. 

I understand that there are no dates listed here, however as I said, I have all the documentation to support it. It goes over the XXXX limit. Please reach out and I am happy to provide it. 

Very respectfully, XXXX XXXX
Consumer complaint received 2023-05-31
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. (IL)

after reviewing my consumer report, I noticed that there were in accurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore, they never ask for my permission to furnish this information further they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, its got me from being able to receive more business credit. Also, it stopped me from being able to communicate with family members and friends, and it also damages, my overall reputation with lending institutions.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC (PA)

XXXX XXXX, XXXX is trying to request the same debt and same account as CREDIT CONTROL , LLC. I currently have open complaints with XXXX XXXX XXXXXXXX regarding this matter. XXXX XXXX, XXXX did not respond. Then I was contacted by CREDIT CONTROL , LLC. I am disputing this debt and I am responding before the XX/XX/2024 per requested by CREDIT CONTROL , LLC. I do not understand why this creditor has my information, when I was waiting for XXXX XXXX, XXXX and no response which is a law violation. I am requesting a Validation Letter from CREDIT CONTROL , LLC. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number : [ # # # # # # # # # # # XXXX ] Reference # : XXXX Dear Sir/Madam, I am writing to dispute the validity and verification of the debt you are attempting to collect. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the debt you claim I owe.

The name of the original creditor.

Proof that you are licensed to collect debts in my state.

Verification or a copy of any judgment ( if applicable ) against me.

I also request that you provide me with copies of any documents that show I agreed to pay this debt. I request the purchaser agreement between the Original Creditor, Current Creditor and CREDIT CONTROL , LLC. Due to XXXX XXXX, XXXX being another debt collector regarding this account at this current time. 

I am also requesting furnish proof that these companies are licensed and bonded. I am also evoking all rights of this company, CREDIT CONTROL , LLC communicating to me through emails, text messages and calls. 

Please provide the requested information to me at the address above within XXXX  days of receipt of this letter. Until you provide me with the requested information, I expect that you will cease collection activities, as required by the FDCPA. 

Please also be aware that I dispute the validity of this debt. If you have already reported this debt to any credit reporting agency ( CRA ), please inform them that this debt is disputed. 

Please provide me with written confirmation once the investigation and the necessary corrections have been made to my consumer report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

Company/date - XXXX XXXX XXXX XX/XX/XXXX Company/date- XXXX XXXX XXXX XX/XX/XXXX Company/date- Santander Consumer USA XX/XX/XXXX The fraudulent accounts listed above is not mine. 
I have not supplied proof under the doctrine of estoppel silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I have been getting debt in my XXXX account that is not mine from different collection agency 's. I dispute them and they get taken off but more keep showing up. I have gotten XXXX phone call and a physical letter in the mail from XXXX different agencies looking for the same person... XXXX XXXX XXXX XXXX, My name is XXXX XXXX XXXX XXXX when I called one of agencies I gave them my name and social, they confirmed I do not have any collection with them but in my XXXX says otherwise. they said all they could do was investigate if I send them an email with my credit report. I don't know if this is fraud or my information is just getting confused with someone else 's. please help.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PR)

I notice that my credit report was really low within last couple months, base on my payment history since i never had late payments or delinquents account. After reviewing my hard inquiries reported i notice there were 2 lenders ( XXXX XXXX, XXXX mortgage, both lenders currently have no relationship with me ) that reported at least 4 unauthorized hard inquiries for 3 credit bureaus ( Experian, XXXX, XXXX ). I already contact them by phone, made online disputes and sent letters to this 3 bureaus, lenders and haven't resolved this fraudulent issue.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PR)

I notice that my credit report was really low within last couple months, base on my payment history since i never had late payments or delinquents account. After reviewing my hard inquiries reported i notice there were 2 lenders ( XXXX XXXX, XXXX mortgage, both lenders currently have no relationship with me ) that reported at least 4 unauthorized hard inquiries for 3 credit bureaus ( XXXX, XXXX, Equifax ). I already contact them by phone, made online disputes and sent letters to this 3 bureaus, lenders and haven't resolved this fraudulent issue.
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Harley Davidson Financial Services Inc (OH)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harley Davidson Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harley Davidson XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harley XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions. 

This vehicle was repossessed by Harley Davidson Financial in the State of Ohio on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX Under the laws of the State of ( Ohio ) UCC ( Ohio UCC code 1309 ) and State XXXX XXXX XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westlake Services, LLC (AZ)

They called me XXXX am yesterday XX/XX/year> and again this morning at XXXX am on XX/XX/year>. 

The laws state they are not supposed to be calling prior to XXXX am local time and they still persist to call me everyday in the early morning. 

They have called from XXXX different numbers but my XXXX IDs they so I know its them both times.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NV)

On approximately XX/XX/year> I noticed a unauthorized ACH purchase on my JP MORGAN CHASE account ending in XXXX. I contacted JP MORGAN CHASE and opened a claim under claim number XXXX and was at that time issued a credit for the fraud to my account for approximately {$750.00} dollars. On XX/XX/XXXX I noticed that JP MORGAN CHASE reversed the credit issued for the fraud to my account and withdrew approximately {$750.00} from my account ending in XXXX leaving my account in negative and charging me for purchases I never authorized. I contacted JP MORGAN CHASE and was informed " MY CLAIM WAS CLOSED FOR NOT FILLING OUT AND RETURNING A ACH STATEMENT OF DISPUTE FORM THAT WAS MAILED TO ME ON XX/XX/year> '' I at that time informed them that " I NEVER RECEIVED ANYTHING IN MAIL FROM THEM '. I was informed that " I NEED TO GO INTO BANK TO GET COPY OF FORM AND SEND TO THEM '. As of current JP MORGAN CHASE HAS NOT REFUNDED ME FOR THE FRADULENT CHARGES TO MY ACCOUNT.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Navient account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$2200.00}, balance updated XX/XX/XXXX, original balance of {$2600.00}, paid off 14 %, $ 0 monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

Balance of {$53.00} was mailed by XXXX XXXX XXXX  via my online bill payer on XX/XX/year>. Payment due date was XX/XX/year>. Comenity - Victoria 's Secret did not post the payment until XX/XX/year>. The USPS does not take 10 days to deliver mail from Indiana to their XXXX XXXX XXXX Texas. It seems apparent they did not post the payment in a timely manner resulting in a new bill this month for a {$29.00} late fee. I have already paid {$29.00} by phone and closed the account to avoid further issues.
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: Lloyd & McDaniel, PLC (GA)

I am currently going back and forth with XXXX XXXX regarding ownership of this account. According to FCRA 15 U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate information on my account. XXXX XXXX continues to prolong this matter while updating remarks on my credit report. I have not received the PROPER documents as requested ( DEBT VALIDATION ). A debt validation letter is not the same as STATEMENTS. This company has not provided their license number or the right to collect debt within my state ( GA ). I am requesting these items specifically below. 

Proof I owe the debt The exact amount of the debt The age of the debt The debt collectors documented ownership of debt account The debt collectors license, or right to collect on the debt in your state A calculation of whether the statute of limitations has expired for collecting the debt
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (MN)

I made a payment of {$550.00} on XX/XX/XXXX to to Diversified Adjustment Service , Inc for my closed XXXX XXXX account. The XXXX XXXX debt collection account has been paid in full and as agreed, with a balance of {$0.00}, Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-05-14
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been asking this company to send me copies of the original Medical bills, with my signature and amount date of service to verify this is my account since XX/XX/XXXX this agency has continue to not to provide this information. I have sent several certified letters requesting validation an they will not provide me copies of my original bill however they sent a letter stating they verified the debt. The company continue to verify the debt with all three credit bureaus which has cause mean to have credit issues regarding these medical bills. I have contacted them in XX/XX/XXXX by phone and was told they can't provide me the original Medical record an they refuse to remove this information, they are a third-party company.