davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
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. (GA)

I viewed my consumer reports a few weeks ago and found XXXX XXXX XXXX, a debt buyer, reporting a unverifiable and unvalidated account on my reports. XXXX and Experian has allowed XXXX XXXX XXXX to report this account without any proof of claim. Neither XXXX XXXX XXXX, Experian, or XXXX has provided any accurate information to report this account on my consumer reports. No wet signature contract and copies of the consumer credit card statements are not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (CT)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (TX)

I have try to dispute this off my credit report I honestly dont know where this debt is what kind of debt it is. I asked for a contract showing the dates. They say they dont provide that information because they are a third party. Which does not make sense to me they have also said they sent out documentation to my mailing address back of XX/XX/2023 which I did not ever receive. I honestly think this company is just scamming people saying they owe money when they dont I would like for this issue to be resolved as soon as possible.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

Please see the attached XXXX for the initial complaint and current status with the XXXX. Chase has opted to not provide any digital responses and only mailed me a letter after I refused to acknowledge their broken voicemail as a valid response. The letter is attached as Chase_ResponseXXXX 

" Consumers Original Complaint : I started a XXXX payment plan for {$17000.00} on XXXX XXXX XXXX with a payment of XXXX XXXX. Chase applied payments to the balance of the XXXX payment plan in a manner which benefited Chase and harmed the customer. The balance of my XXXX payment plan was reduced to {$7100.00} by XXXX  when it should have been {$15000.00}. I was then charged {$260.00} interest the following month after Chase accepted the equivalent of almost XXXX  months of advanced payments with no benefit to me as the customer. 

Additionally, Chase refuses to provide a breakdown of how payments are applied to the payment plan vs monthly charges. I would like Chase to honor the original terms of the plan and adjust the balance correctly. 

Consumers Desired Resolution : Billing Adjustment "
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I received a copy of my credit report. To my surprise, the XXXX XXXX were reporting these XXXX accounts incorrectly : XXXX. XXXX XXXX XXXX with an open past due balance of {$1200.00} reporting. XXXX. XXXX XXXX XXXX with an open past due balance of {$960.00} reporting. XXXX. XXXX XXXX XXXX  with an open past due balance of {$740.00} reporting. These are collection accounts that are reporting not only as OPEN, but also shows past due balances.

According to the FCRA, I have the right to an accurate credit report. 15 USC 1681. I sent in a letter and the problem wasn't resolved.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Requested my credit report from Equifax, since I can not access my report online at XXXX they advised they would be sending me my credit report the first few weeks of XX/XX/XXXX, advised that it would take 7-10 business days. I also sent out communications to delete all outdated or incorrect personal information on my report and sent it certified mail XX/XX/XXXX. The company have sent me out two credit file reports instead of my credit report. When speaking to Equifax today they acknowledged that they never sent my report out to me. I also requested for this information to be sent to me. They advised me that they would like to verify me, customer service representative asked me continuously if I would like to remove employers from my account after advising over 4 times on the phone. Also advised that my current address should not be reported as XX/XX/XXXX. The representative said they would get this information updated. I find that this needs to be investigated as I only reported this address to them on XX/XX/XXXX and have been residing here since XX/XX/XXXX. Asked for certified copy of credit report to be sent to me due to all the confusion and time I have been waiting. Representative advised that my update on my report would take at least 30 days, and they would send the report when it updates. Advised that my name should be listed as XXXX XXXX XXXX and not XXXX on my report. Representative not able to tell me why my reports were not generated the three times requested before as she was not the one who handled that call
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XXXX I was scammed through a XXXX transaction. The scammer pretended to be a BOP ( which I reported to the FBI ) and had all of my information and my father 's information. I know with BOP you do not ask many questions. I have experienced it with the real BOP. I went for the scam to ensure that my family member was safe. Immediately I reported the scams for two transactions of XXXX $ to Wells Fargo bank. Wells Fargo got the information of the receiving bank AND THE ACCOUNT HOLDER and yet they are not giving me my funds back. When I escalated the requests I was berated and called stupid for sending the funds. That is not acceptable for a loyal customer who holds many accounts with Wells Fargo. I felt like Wells did not even try to get my money back and didn't help me when I was scared for my personal safety and my family safety. I really hope that I can get my funds back.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Allied Collection Services, Inc. (Nevada) (CA)

On XXXX at XXXXXXXX XXXX A debt collector from ALLIED COLLECTION SERVICE called me but the phone call got cut off so he called from another phone number which is XXXX ( XXXX ) XXXX at XXXX I answered and he instantly said " you need to pay your debt '' and didn't even say who it was I assumed it was someone else since it was a different number than the first one. I asked who it was and he said " you know who this is! " in a yelling tone and I said " excuse me? '' and he said " you need to legally pay for your debts '' and I responded " excuse me you need to watch the way you are speaking to me '' and he said " I do not need to watch anything '', so I ended the call! At XXXX He Called me once more and said ok since you don't want to pay we are going to continue to add more fee to your bill and I said ok and hung up again '' I believe you guys record the conversations when they call to collect a debt so please have the company review the conversation because that is no way to talk to someone especially on the job!
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX at Chase Bank in NY state I sent an international wire transfer to a business in XXXX. My banker at Chase used a XXXX code for XXXX XXXX XXXXXXXX XXXX that I was told was the correct code for the bank that my wire transfer needed to land at. Come to find out, the XXXX code was pulled from a drop down at Chase bank which was a retired XXXX code for the recipients bank. This was the first mistake that has lead to 4 weeks of my international transfer never making it to the intended XXXX account, and NO ONE at Chase Bank being able to track down this wire and let me know where my money is. In the meantime, the business waiting on the international wire is threatening to sue me for non payment, all the while the money left my account XX/XX/XXXX and has not been able to be found by Chase bank since. I have made at least 30 phone calls to Chase Bank, as well as sending emails, talking to supervisors, and reaching out to bankers at my local branch. I have been told every time that they can not figure out where the money is and why it has not landed at the account it was intended for. So I am now out a very large sum of money, it can not be tracked or found, I have spoken to no less than TWENTY different Chase bank employees, supervisors, teams, etc... all to NO avail. Meanwhile I am being threatened with a law suit over the missing funds not arriving. Chase Bank has told me over and over they are " working on it '' and someone will call me with a resolution, and now it has been over 25 days with no answers as to where my money went, where it is being held, and why it did not land at the account promised. Chase Bank as been worthless in this entire process.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Due to being 100 % permanent and total disable PER Veterans Affairs my Citizen Bank XXXX XXXX  was discharged. This took place XX/XX/year>. I got a letter from Citizens Bank Asset recovery stating my loan was transferred to them. When I called, I spoke to XXXX XXXX, and he stated the loan was sent to credit bureau as a collection. I told him I made every payment on time. He then called XXXX ( XXXX XXXX XXXX ) while I was on the phone, and they gave him a good payment history. He realized that I'm a XXXX veteran and discovered it was coded wrong. He escalated up to a district manager named XXXX and she investigated and discovered that all this was a mistake. 4 days later she got back with me stating the loan was forgiven due to my declining health state.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

In XXXX an American Express account was opened without my permission. I have been. Victim of identity theft my wallet and all my information was taken from me. In XX/XX/XXXXXXXX  I informed American Express. Instead of looking into the matter they cancelled the card and sent it to an outside agency. I call every week to get information but am stonewalled. For the last year they have continued to be negligent and continue to harm me by reporting me every month for not playing my bills and lowering by credit. 
I have varified that they have been untruthful and intentionally give me wrong information causing me harm.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Hello, My issue is with my Credit Card at Wells Fargo company. The card number ending in XXXX. I opened my account at Wells Fargo around XX/XX/2023. On the day I just active the credit card, I started to receive Fraud/unauthorized transactions activities in this credit card. 

Therefore, I never used this credit card to make any purchase. And I contacted with Wells Fargo Fraud department and told them that those are all fraud transactions and please closed my account. 

Now, my account is closed, which I really appreciate for your help. However, my credit reports shows I have 2 late payments from this credit card. I think this is unreasonable. Since those are fraud activities, I don't think I have to entitled the 2 late payments on my credit reports.
Consumer complaint received 2024-01-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Flandreau Santee Sioux Tribe (NV)

On XX/XX/XXXXXXXX  at approx. XXXX I received a message from a family member saying they had been contacted by XXXX XXXX XXXX on behalf of XXXX { Loan Shop. I called them and was told that they said they were preparing legal action to recover a {$600.00} plus fees for a total of {$1600.00}. for a debt they claimed I took out in XXXX. I do not recognize nor know about this debt. I asked for proof of debt documents and was originally told they could not provide this. After much conversation, XXXX XXXX XXXX emailed a debt verification letter. I asked for a letter from the lender and signed loan documents but received no reply. I contacted them again via phone to find out why they were calling family members when I asked them to only contact me. They said they would update their files. About 3 hrs. later I was told by a family member they had received a phone call from XXXX. I told XXXX that I did not know about this debt, never received collection letters, phone calls, etc. They said letters had been mailed to my current address which I never received. I asked for VIP Loan Shop phone number and was refused. Could not find on the internet. Have not been able to contact them. I googled XXXX XXXX XXXX and found scam complaints for loans not taken. I filed a complaint with the XXXX.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I need to pay my landlord using XXXX. I always used XXXX XXXX  but there's a {$2500.00} dollar daily limit. So I decided to open an account online with Wells Fargo since there is a bigger daily limit and set up XXXX. My wife sent me {$25.00} to test it. Wells Fargo decides to close my account for " identity theft '' and because of that I am now banned from using XXXX!!!!!! 

This is absurd. I work for FDIC, there is no identity theft. Now XXXX won't even allow me to use them for anything anymore because of what Wells Fargo did!
Consumer complaint received 2023-04-18
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. (LA)

The attachments below shows that my credit score went down because of this collection. I received a letter also attached below stating that this collection was deleted but its still showing on my credit report. Also on the CFPB website it states that in 2023 any medical bill thats under {$500.00} cant be reported to consumer reports anymore.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

I have been calling Amex for over a year about an identity theft issue of an opened credit card. I have verified that they have been untruthful and deceptive when helping me resolve this issue. 

I have spent 10-20 hours a week for over a year calling and taking to Amex about this problem. No resolution has been offered from Amex to date. 

I have asked repeatedly for information about the charges and how the account was opened. No information has been provided to me.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I filed a complaint # XXXX in which I was complaining about inaccurate information being reported on my credit report. XXXX and Midland Credit is showing incorrect information on my file, and it is not being deleted. I have sent letters to verify information and they keep coming back as accurate, but the reports are not. Attached you will have the files showing where the information is not correct. The date of activity is not the same on all three reports. Two reports are showing open and one is showing closed. The dates opened are not the same on all three reports. Based on FCRA section 611 15 USC 1681, the accounts are not being reported accurately and must be deleted due to inaccuracy of credit reporting.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (PA)

The following furnishing persons have violated my consumer rights NATIONAL CREDIT ADJUST XXXX # XXXX, XXXX # XXXX, under the flowing : 17, cfr 248.124 reasonable opportunity to opt-out, Title 13 proof of a contract agreement 15 usc 6802 -05, 5 usc 552a Privacy act of 1974, 15 usc 1681 { b } SSA Consent Permissible purposes of consumer reports 18 usc 1029 knowingly participating in unauthorized access to a credit devices 15 usc 1644 fraudulent use of credit cards. By advertising unauthorized accounts on my XXXX, XXXX, and XXXX consumer reports preventing me from being able to receive a fair and equitable reporting. These furnishing actions undermine the credit reporting agencies responsibilities to insure that my credit reports are reporting accurate accounting information. The action of these furnisher has shown to be harassing and caused me and my family duress and lost opportunities on investments. They have ignored all my attempts to clear-up this matter. So I'm seeking the support of the CFPB to help rectify these fraudulent account from all of my consumer reports.
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear Support, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which I believe was made in error. My account 's email address is XXXX and I would like to appeal this decision and request that you re-investigate my case. 

I want to emphasize that I have never violated any PayPal policies, and I believe that this limitation is a result of a misunderstanding or an error. I am confident that upon further investigation, you will find that I have complied with all of your terms of service and have never engaged in any prohibited activities. 

I urge you to carefully review my account activity and consider the possibility that a mistake has been made. I would like to ask that you restore my account to its previous state if possible. I understand the importance of maintaining a safe and secure platform for all users, and I am committed to cooperating with you to resolve any issues that may arise. 

I respectfully request that you take the necessary steps to investigate my case thoroughly and restore my account if it is determined that the limitation was made in error. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America offered incentive offers for using XXXX on its mobile app but has not paid out the incentive after I have activated, qualified, and filed a complaint with the organization. This has happened twice to me, in XXXX and XXXX of XXXX. In the most recent case, on XX/XX/XXXX, I activated and qualified for a XXXX incentive offered through Bank of America 's mobile application. I never received payment of incentive which was due within 60 days. I spoke to a Bank of America representative on XX/XX/XXXX, who confirmed my qualification, provided the promo code, and said payout would be on XX/XX/XXXX. I spoke to another Bank Rep on XX/XX/XXXX ( XXXX, XXXX. XXXX, and XXXX XXXX, No, XXXX ) when payout was never received. This rep told me there was no evidence of the incentive on my account, and they could do nothing to help. I requested they file a complaint ( No. XXXX ) and an escalation ( No. XXXX ) on XX/XX/XXXX. I have not received a response as of XX/XX/XXXX.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allegiant Capital Recovery LLC (MN)

XX/XX/XXXX received odd phone call from *restricted* number stating I had a pending court hearing with XXXX  County on XX/XX/XXXX @ XXXX  and they were wondering why I hadn't responded to papers that I was attending the hearing. When I asked for information they provided only the agency who supposedly filed the dispute ACR ( XXXX   ) XXXX and a file number of XXXX.XX/XX/XXXX I contacted ACR ( Allegiant Capital Recovery ) and spoke with XXXX XXXX at ext. XXXX. I requested verification of the debt along with the original account number. XXXX informed he was not required to provide any verification of the debt via mail or any other type of medium. He couldn't provide any additional information about debt but then generated a quick email about debt verification. He told me the original creditor and the agency that had the debt previously -- XXXX. The dollar amount of the debt was {$720.00}. I offered to settle the debt for {$500.00} on the spot and he countered with {$580.00}. I requested to talk to the original creditor and also XXXX  to validate everything. He said ok and to give a call back.XX/XX/XXXX I contacted original credit card vendor XXXX  and they provided phone number for XXXX whom they sold the debt to. Contacted XXXX and spoke with XXXX. Told her about the phone calls and was seeking verification of the debt and next steps. She offered to take payment immediately on the phone of {$500.00} and to contact ACR and pull the account back and mark as closed. I received a confirmation and approval email letter after submitting the {$500.00} payment.

XX/XX/XXXX received phone call from XXXX at ACR. Told XXXX that the debt has been settled with XXXX. He was irate telling me I had no right to work with XXXX  and then hung up on me.XX/XX/XXXX received second phone call from XXXX at ACR. Message stated that " 2-3 weeks ago he mailed me documentation of the debt and verification but that I refused to sign for the documents or never responded '' he went on to say " if I refuse to contact him by XXXX on that he would presume I am refusing to cooperate and he would begin preliminary actions against ''