davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/year> Paid $ XXXX $ XXXX {$44.00} An error occurred or glitch at electronic level And they extracted the full pay off of a XXXX Chase Credit Card Immediately disccused with Branch manager whom stated this happens all the time, in fact I can order a reversal now. 
Several months prior I filed a complaint dispute about a charge on card and asked for it to be looked into because it said I had chosen {$100.00} dollars to be paid over 12 months. It seemed strange. 

The branch manager XXXX XXXX XXXX said that she is having the {$44.00} removed and then the rest into my checking. 
On the XXXX  day XX/XX/year> the deposit was only {$210.00} and I needed to pay rent, the funds that were allocated to go to the XXXX checking can not be intercepted and used for something else. If it was in processes for reversal just like the card cant go in and take money from my checking account when it wants. Like any other credit card it would place the decided amount on top of the {$470.00}. And then send a notice of overage or add a fee something. It never gave me an option to cure it. It just took on a glitch/error or some computer issue. 
I have now closed the card because I dont have any faith and I am moving toward wanting to close the entire account however the manager says just keep it open and we will work on it. Ive had this personal account for the past three years and only had to change my number once because of XXXX XXXX Now I dont have any faith that anyone especially them can just take out of my account at anytime. If the glitch hadnt happened the amount would have been place onto my balance. Shame on them.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I opened a credit card with XXXX XXXX in XXXX. The account shows delinquency that is over seven years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last two years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is 13 years old and paid. This is in clear violation of 15 USC1666b, 15 USC 1601, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (NY)

Professional Debt Mediation , Inc with ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) started a debt collection for {$6200.00} related to The XXXX  on XXXX XXXX, XXXX and they did not communicate with me at all, neither phone or mail. I realized about the collection on XX/XX/XXXX as I went through a credit bureau. This clearly violates the FDCPA.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (NJ)

Between XXXX I originated two accounts with Navy Federal Credit Union . A personal loan and a credit card which was opened separately. Overtime, either one or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past 7-8 years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and Navy Federal has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, Navy Federal has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with Navy Federal. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-12-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

I am writing to seek your assistance and intervention regarding an ongoing issue with a collections agency, National Credit System which has been attempting to collect a debt from me that has not been adequately verified.

I first became aware of this debt when I reviewed my Credit Report. However, I have not received a letter, call or notification from National Credit System.it I have not received any documentation that provides any detailed information or documentation to substantiate the validity of the debt.

I promptly reached out to National Credit System Via phone in XXXX, 2023. They couldnt not provide any detailed proof of debt other than Original Creditor, Account number and date. I then reached them via email with no reply back. I proceed to reach the collection agency by sending a request for debt validation via certified mail sent on XX/XX/2023. In my letter, I requested that they provide me with the necessary documentation, such as valid proof of the alleged debt. The original creditor 's contract, and proof of their authority to collect the debt. 

I have called, sent emails and a certified letter with proof that I do not owe this debt. I believe this debt to be a fraud from original creditor. 

Despite my request, I have not received any documentation or verification from National Credit System to date. It has been 6 months since I initially contacted them, and I remain concerned about the validity of this debt. 

Consumers have the right to receive proper verification and documentation when dealing with collections agencies. This not only protects consumers from potential unjust collections but also ensures fair and ethical practices within the industry. 

I kindly request your assistance in this matter. 

I have requested proof of damages being reported and the reason for this collections but no proof has been provided by the collections agency or the original creditor ; other than the false accusations of landlord to collect. I have provided proof to the collections agency of the state of the premises when we left. Annual inspections were done and we always passed them. For the Final inspection the representative XXXX XXXX did not show up. She then claimed our deposit was being returned and it would reach us via mail. Months later she then sends a collections letter with false accusations. You may look into XXXX XXXX she seems to be doing this to many tenants.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I recently went on XXXX. About two weeks into hospice, Synchrony Bank closed all the credit cards I have that are backed by them : XXXX XXXX XXXX XXXX XXXX XXXX and JCPennys. They all had XXXX balances except for JCPennys, which has an autopay of {$8.00} per month for a life insurance program that I have been paying into for many years. My wife and I have had our JCPennys account since 1967. The only reason Synchrony gave for closing all these accounts is high risk of nonpayment. This makes no sense given the XXXX balances. I called and spoke to quite a few representatives of Synchrony Bank and they were all very rude and would not say more. There has been XXXX  change to my credit score and credit report. The timing is hardly coincidental. I believe there is a major HIPPA violation, not to mention life insurance fraud. I am not dead. My wife, who is on the JCPennys account is alive and well. The life insurance program that I have been paying into has magically disappeared. This is not right. Synchrony Bank employs hateful people that refuse to help.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (CA)

I XXXX XXXX contacted XXXX XXXX and XXXX XXXX XXXX i also did many police report and ftc reports showing i was a victim of id theft i also sent many police report to block the reporting information i also contacted the companies XXXX1st progress and XXXX XXXX XXXX XXXX XXXX the compaines are listed in the police report i file on online due to the covid XXXX XXXX police station only have you to do id theft online report so they can limited the traffic from their offices i also did a report to many compaines they sold my information to like XXXX XXXX  and XXXX  i been back and forth with the compaines for bout XXXX XXXX im getting the run around even those thses compianes is selling my debt they are still holding on to the debt on my credit report and not proplery beibg on honest on the report XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX had XXXX debts from on me from these companies and XXXX XXXX XXXX denied me of right i ask to block the information on my reports.XXXX  did as well and XXXX im a victim of hardship being in a XXXX XXXX i was not able to stay on top of the matter but i ask to get help from these companies taken advantage of me wile im having a hardship i almost lost my kids because XXXX XXXX XXXX denied me of my rights. 1st progress # XXXX didnt help they sent me and limbos to get to speak top some one they have many complaints from me on recored with the cfpb nothing was not done. i also have ftc report file they didnt honor as well i need help to get the matter control im not able to help my self at all and cant afford to pay the debt that other done i ask for help i also spokke to the attorney general had no luck i hoping you would get to the bottle of this i been taken advatage of from these compaines in would like some assistance i try to speakwith a few comapines but wasunable to be verify but XXXX XXXX and XXXX  said i was verify witch we all know it was not accurate .15 usc1681 ( i ) 15 usc1681 ( c )
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (CA)

XXXX, XXXX, and Equifax continue to report a balance on the account XXXX XXXX XXXX that is inaccurate. The account has been paid in full and should reflect as such. XXXX, XXXX, and Equifax are violating federal law by willingly reporting this account inaccurate and in a manner that is not consistent with the law. I have equitable interest in my estate and making such allegations without verifiable proof that I am indebted to this alleged financial institution is causing me damages and preventing me from participating in interstate commerce which is my unalienable right.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gordon, Aylworth & Tami, P.C. (OR)

When I called GAT Gordon Aylsworth and Tami LLC I was told that they had a hold on my account prior to being able to cash a check that was taken out of my paycheck. Mind you the letter I received prior was back dated to XX/XX/XXXX and then mailed out on the XXXX. Per the last conversation I had last week they were waiting for the approval and then were going to stop the Garnishment. Called today because they took money out of my check. When I called today they said I had to make XXXX payment in order to stop the garnishment when I was told that I had to make XXXX payment in order for it to be Relinquished. All the while they had another payment taken and refuses to refund it. Saying it will be added to my account. So they want me to pay the XXXX along with the money they got off the first check of this month and are going to keep this other check. When she finally said they sent a letter XX/XX/XXXX to my work on stopping the collection. Again asked for a letter stating what was said today and the lady refused to give me a letter on what was discussed today. I had to have a friend record what was said because of her refusing. My work had yet received the letter so I called back with a fax number for them to send to my work. I also was told that it XXXX and then was told it was XXXX. As of to date they have taken over XXXX dollars for this debt. When they started it was over XXXX. It now has become over XXXX for XXXX credit card debt. Being told that they mailed me back in XXXX  regarding this but never received any notifications or calls regarding this matter. The lady basically said well if you got your mail you wouldn't be here now. This company is rude and have lack of respect for what they do. They still continue to add interest on this debt. They absolutely refuse to send me any letters regarding this matter. Is this just another lie that they are trying to cover? Or are they going to back date another letter and mail it a week later like they did to me?
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (LA)

I receive daily emails about a XXXX line of credit, and this company says I owe them for it. I wish to stop receiving emails, usps mail, and any phone calls from Halstead Financial or XXXX XXXX, XXXX.
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (MD)

This is the original text " This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) account. Visit portal-XXXX XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC will not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. SOG Ref # XXXX Reply STOP to opt out. '' I have received some version of this text on XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX [ in this text they provided me with an amount XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX I have not had a XXXX XXXX account for at least 20 years and even then I don't believe I have had one. Also I have never received any mail at my address. I will not contact this company because I believe they are trying to commit fraud. XXXX XXXX said they have no record of this debt.
Consumer complaint received 2024-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (VA)

As required by the Fair Debt Collection Practices Act ( FDCPA ). This company does not own the debt they are collecting for the original creditor. Therefore they have broken the federal law of 15 USC 1692 and they do not have the right to report on my credit reporting as they have reported on my credit reports ; XXXX, XXXX, and XXXX XXXX, please remind this company thats collecting for Progressive that doesn't permit them to failed to comply with federal laws, I provided in my letters. If Caine & Weiner doesn't own the original account they can not list inaccurate information under FCRA. Please provide supporting documents that specific they can legally report on my credit bureaus reporting. If this information can not be provided I asked this account to be immediately deleted. Caine & Weiner have been aggressive with not following 15 USC 1692 ( a ) 15 USC 1692 ( c ). I am going to continue to dispute this account until it is deleted. Please have Caine & Weiner reframe fro reporting on my credit report until they can provide a legal validation letter that they can report on my credit reporting.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above these accounts need to be removed THESE ACCOUNTS DON'T BELONG ON MY CREDIT REPORT Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX XXXX Account XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX  XXXX Account number XXXX
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/year>, my contract hours were reduced to XXXX due to budget constraints before the contract ended on XX/XX/year>. Since then, I've made monthly payments of $ XXXX, and XX/XX/year> was my first attempt out of XXXX failed tries to request financial assistance. Capital One offered a payment plan of $ XXXX for 3 months which was more than my normal monthly amount. This plan was offered in all XXXX attempts I made to seek financial relief, I even suggested closing my account and lowering my rate to manage and pay off credit without damaging my credit. 

Now that I have no income, they will not assist or offer any financial assistance. This was their excuse the second time I requested during the time my unemployment was depleted. I reapplied and received additional funds, but Capital One offered the plan I mentioned above. 

A minimum payment is approximately {$230.00} at 28.4 % Variable APR and the monthly finance charge fee is approximately {$170.00}. 

I can not understand why there are no regulations when there is a job and economic crisis. It's disturbing how lenders and creditors handle such situations. They prefer to let consumers become delinquent and default on their loans rather than offer preventive measures.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am filing this complaint hoping to get a resolution to the problem that I have experienced with Capital One. In XXXX and XXXX I had my identity stolen a woman named XXXX XXXX XXXX. I have documentation that she was charged with identity theft and numerous other charges while she was pretending to be me. Back in XXXX my oldest son dated a girl who was the daughter of XXXX XXXX XXXX all three of them had drug problems of course early on I did not know that next thing you know I was being questioned because there were checks that were written in my name as well as my savings account, as well as my younger sons savings account was drained. I had to have the New Jersey XXXX Police involved needless to say there were some fraudulent activity paying credit cards to Capital One through the deceitfulness of XXXX XXXX XXXX. She even took a position in a company used my name because she had an extensive criminal history. At the end of all of this I have applied for Capital One credit cards numerous times and I keep getting told the same thing no its not because of my credit score nor my credit report it is because they claimed the way I do business is not the way Capital One wants a customer to do business. Which means the fraudulent activity theyre looking at its mine and I did it and I should be held accountable for it well I have proof that it wasnt me. I would like to be contacted by Capital One so I can speak to somebody regarding this and explain it in more detail if they have more questions. I was told to file this complaint to see if we can get it rectified before any other steps are taken not because I wasnt given a credit card but because of the reason behind me not getting the credit card it was never me who did any of the things Capital One is stating I did. I have the complaints/charges that show the identity theft as well as it listing the people responsible. I will provide proof of all that I am stating in the complaint. Including the charges that were filed by the State for my identity being stolen and dates of incidents. This is very hard for me as it stirs up a lot of emotions but I have to because it needs to be rectified.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA ) And also defamation of character