davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FISERV INC. (CA)

I received a check from Money Network issues by XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. It is made out to me, has an amount entered numerically and also written out. 

I do not know who this came from and/or if it is a legitimate check or some scam or fraud. Any time I've tried calling I get nowhere... noone seems to be able to answer. They've asked if I can tell them the name of the person who issued the check. I tell them there is no name, but there is an " Issuer number '' I can provide. But they tell me there is nothing they can do with that. Furthermore, they tell me there is nothing more that can be done, no matter what. 
The back of the check requires endorsement that also asks for my DL/ID number. No way I trust providing that to these people as it sounds like fraud to me. 

The phone # they provide is XXXX. I have held onto this check for nearly 4 years, and have tried a few times over the years to contact them again, but it just never goes anywhere. 

The routing and account numbers printed at the bottom are XXXX XXXX, followed by XXXX XXXX. The check # matches the routing #, XXXX followed by the digit 4.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

We live in an age were corporations collect all types of data on their customers, and I believe that Chase is using this data to conduct financial discrimination. Chase bank is specifically discriminating against me by giving me less favorable interest rate terms because of protected class and my race. I have contacted Chase by phone multiple times regarding these unfavorable rates and their practices and no one is willing to help. 

I am a XXXXXXXX XXXX with a credit score above XXXX with all three credit bureaus and substantial monthly income. Chase has rewarded my achievements with their HIGHEST interest rate for the XXXX XXXX XXXX credit card. As a loyal United Airlines customer, the Chase Credit cards are my only option to build miles and status which is why Ive decided to make this complaint. 

Chases business practices of financial discrimination seems to be so systemic that they do anything to keep protected classes in financial debt. My Chase Credit Card interest rate current sits at 28.99 % and Chase refused my requests to reevaluate my account to reduce my interest rate. Instead without my consent, Chase thought it was wise to increase my credit limit by {$5000.00} at the same 28.99 % interest rate WITHOUT my consent. In addition, Chase applied my {$10000.00} XX/XX/2024 payments to the " Pay Over Time '' charges that have a 0 % interest rate instead of the charges on the account that have a 28.99 % interest rate. 

Chases practices are unfair and predatory and it needs to stop.
Consumer complaint received 2022-12-06
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. (FL)

see attached.No consent or permission by me, the consumer, to report, or furnish any information to a credit reporting agency or any third party. XXXX has been reporting agency or any third party. XXXX has been reporting late payments, missed payments, and open balances that shouldnt be reported due to not being specified on contract and no consent to do so by me. Account numbers XXXX and XXXX. All three Credit reporting agencies verified this party to report frivolous and inaccurate information to my consumer report. Enclosed invoice.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-11-08
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account XXXX XXXX XXXX XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

Around middle of XXXX of XXXX, my son bought a Vanilla Gift Card as a birthday present for me, when I tried to buy an item using the card, for some reason got blocked and couldn't use it any longer so, I contacted XXXX XXXX XXXX or Incomm at vanilla.com to resolve this issue. 

They sent me a package which requires for me to send all the documents to support the complaint including proof of address, receipt from the place where I bought the card ( XXXX ), copy of my Drivers License, etc, etc. 

I sent all of the paperwork they ask me for 3 times and got the email confirmation and still NO solution, it has been 4 months with this nightmare already. 
Everytime I call them, they ask me to send the paperwork again and again and that I need to wait 3 to 4 months and when I ask for a supervisor they put a person on the phone with really strong accent like XXXX kind and is hard to understand what they say so I tried in spanish as well and no solution neither. 

I filed complaint with FTC or Federal Trade Commission and with the XXXX  Attorney General but nothing happens. 

The CASE # is : XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NC)

Southwest Credit Systems placed a debt on my credit. 

They placed this on my credit bureau reports concerning charter communications for {$110.00}. 

I have never entered into contract with either company. I have been with XXXX XXXX XXXX  since XX/XX/year>. 

I returned all equipment back to XXXX when I terminated business with them in XX/XX/year>. The last account I had with XXXX XXXX was a XXXX XXXX internet account in XX/XX/year>. My last payment to this account was made XX/XX/year> and all equipment to the old location at the counter on XXXX XXXX XXXX to XXXX XXXX. 

XXXX XXXX was more interested in speaking to her co-workers at the time with a lobby full of customers than she was in properly returning my equipment and providing me with a receipt for the return of modems. She had an extremely XXXX attitude throughout our entire process and scoffed at me when I asked for a receipt of the returned equipment and a XXXX balance statement on my account.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

XXXX pmt was {$1000.00}. XXXX notified me of a {$600.00} escrow shortage in XX/XX/2022 and I sent in {$700.00}. XXXX stmt date XXXX stated pay {$39.00} for escrow shortage and your pmt will be {$1000.00}, if not your pmt will be {$1000.00}. I paid {$50.00} and called XXXX to confirm receipt and was told my pmt  would decrease to {$1000.00}. Instead my pmt increased to {$1000.00}. I called XXXX today and they said they would reduce to {$1000.00}. I asked why isn't it {$1000.00}? He said your pmt will go up even if you have adequate funds in escrow to cover the increase because the Tax Collector said taxes were going up. This is patently unfair as XXXX has adequate funds in escrow to cover taxes and insurance and is collecting more than is necessary.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions 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 U.S.C 1681 XXXXXXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/XXXX   XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/XXXX  15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section : 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hawthorn Recovery Services, Inc. (MO)

Called Hawthorn Recovery Services today, XX/XX/18. I told them I only owed XXXX because my original debt was paid XXXX dollars before they sent me to collections. I asked the drs office where the money went and they don't know. They won't give me my money back because they don't know what account it is in. I have disputed this with my bank and they have told me it can take 120 plus days to even get an answer! Mean while, I call Hawthorn recovery services tell them it is the wrong amount owed and i think it is unfair of me to pay right now. The debt collector tells me " well that's fine it will sitting in collections, lowering your credit score, and gaining interest '' might i add this is a medical bill! A medical bill gaining interest! Also the drs office agreed to give me 12 months to pay off my medical bill and only gave me 4 then sent me to collections!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

Discover bank use my information to open a credit card in my name with out my authorization, they are committing fraud, this card was not open by me and they are ignoring the fact that they will be sued and pay for damages and my lawyers fees if this is not removed i will send a letter f intent to sue, they will pay for arbitration and since I have complaints that i have filed, I have even a rep I can contact and have in court or in arbitration that has evidence of me being a victim of identity theft, I will sue for as much as I can get, now take this account off my credit report, this is my last and final warning to this bank, take it off or be sued and tell turn this over also to the attorney generals office and I will contact an investigator from the news media regarding this issue, they would love to run a story showing that this bank is stealing and using my personal information to defraud me and commit fraud and use my identity to establish this account with out me knowing about this account is not mine now take it off. I never open no account through any website. Yall are stealing my personal information I dont appreciate it at all, I wlll sue and I will put this on national television , channel 5 which is XXXX XXXX will live to know and will throw yalls reputation under the bus and you will lose business. Leave my name and my personal information out of this or will own that company, your investigation shows someone other than me open that account all yall are doing is blaming someone so you can constantly steal my information, CFPB yall need to investigate discover bank Im not the only one they have used their information to commit fraud, I have tons of information that discover has ignored, Im asking for yall to investigate and fine this company and its affiliates, my information was found on the dark web by someone and it has been used, I have documentation from the IRS stating that my information was found by someone that had used to gain a credit card and discover has ignored it, I am a victim of identity and I have documents to prove that, if discerning doesnt want it be sued, take the account off its not my credit card period
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I called the bank yesterday after I saw a text message that my account was shutting down around XX/XX/XXXX, XXXX but they reversed the same story without hearing my answer. I couldn't understand it, and I think I should at least give it some use in case of emergencies. And then today, XX/XX/XXXX, my weekly payday, but after the same story again, they offered to send me a check in the next business day, but they blocked me from spending money after forcing my account to close. I don't know when and where I'm going to eat and what's going to happen. I feel really bad about why my money should be managed by them. I don't know when the people who sent me the check will send me my money. I don't know how long I'm going to starve. They need to remit my money immediately. They even extort my money from the hospital. I said I can't talk about everything and it's not fair. I haven't eaten in two days. i am really really mad. This won't happen if they let me take action to get enough funds available before canceling it. Both of my bank accounts are not being withdrawn, withdrawn, or deposited
Consumer complaint received 2018-07-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX XXXX account no.XXXX  appeared for the 1st time on my Transunion credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.Transunion today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.Transunion via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY TRANSUNION REPORT IN LATE XX/XX/2018 AND WHY DIDN'T TRANSUNION DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COAST PROFESSIONAL INC (CA)

XX/XX/2024 XXXX I received a call from the provided number. The number came across my phone as " suspected spam '' but answered it. 

The lady on the phone asked, " Am I speaking with XXXX XXXX? '' I confirmed by stating, " This is she " She spoke very quickly where I could not understand her and then asked, " can I have your social or birth date. '' I asked her who she was and what she needed. 

She got irritated and stated her name very quickly then said, " I am calling concerning a personal matter can you provide your birthdate. '' Not knowing if this was a scam or not, I asked her to explain what the personal matter was. 

She asked, " What was the last school you attended. '' I did not answer, still not sure if this was a scam or not, and asked her again what this was concerning. 

She stated, " If I am asking for the last school you attended you know what this is about. '' I then replied, " No, I don't, or I wouldn't be asking you what you're calling for. '' She then responded, " We aren't going away, '' and hung up on me. 

I took this as a threat to intimidate me. Especially since I had no idea as to why I got the call, who called me, or what the personal matter was at all. 

I then googled the number and saw it came from Coast Professional Inc At XXXX I called back. I told the woman I got on the phone what happened. She then explained who she worked for and what kind of business they deal with. When I told her about my encounter she did nothing about it. 

This is the 1st time this company has ever called me. I have had no correspondence with them before this nor have they ever attempted to call me before.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I made a Square account for the first time ever received my debit card in the mail activated my debit card verified my self added money to my account {$460.00} to be exact and set my pin after added the money onto my account I seen I got an email stating that my account was on hold They had to verify some information already been verified. They told me it would take XXXX hours so they had {$460.00} on hold about XXXX oclock yesterday afternoon. I got an email stating they had XXXX my account and they were putting my money on hold for XXXX  days, this is money that I took out of my checking account to put on this account and not XXXX time did I Use their services. They said that I had violated XXXX of their policies and I dont really understand how I could violate the policy whenever Ive not even used the couch yet but theyre telling me its gon na be XXXX days before they release my money out of my checking account
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GVA Holdings, LLC (MI)

Ive been doing business with this company for a long time I paid off a previous loan I had with them yesterday during that conversation. I asked if I could re-loan and they told me yes that Id had to wait 15 to 30 minutes before I could so the payment can process I did that I called they did a new application. They preapproved me for {$900.00} and then they said well we need a copy of your drivers license. I sent them a picture of my Michigan Chauffeurs drivers license enhanced the passport one and they came back to me and told me that they could not accept that I even sent them my Michigan CPL ID that has my picture and all my info still denied me. Told me I needed a state ID or a passport and I explained to them my drivers license has all that Im not going to obtain two different pieces of ID so theyre basically saying that the state of Michigans enhanced drivers license which is valid by the federal government is not a valid form of identification. And the letter that they sent me was, they denied me because theyre unable to identify me. But they had no issue taking my debit card information over the phone though.
Consumer complaint received 2024-02-29
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: Parnell Law Group, LLC (AL)

Under the authority of 15 U.S. Code 1692l, 12 CFR 1016, 12 CFR 1022.3 ( b ) ( h ), 12 CFR 1006.18, 12 CFR 1006.34 ( 3 ) ( ii ) I hereby request that the CFPB investigate this complaint. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 that a collection must show proof, ( i.eXXXX a written transfer of information and the right to collect on a debt ), in which The Parnell Law Group has not yet provided to me upon several requests and subsequent debt collection attempts. 
On or about XX/XX/XXXX XXXX sold the alleged debt to XXXX XXXX XXXX On or about XX/XX/XXXX XXXX sold the alleged debt to The Parnell Law Group . 
XXXX XXXX has sold my private information to several debt collection companies ( Violation of 12 CFR 1006.18 ) after they have reported the account as charged-off ( Violation of 12 CFR Part 1022.42 ( b ) ) ( not assigned ) on XX/XX/XXXX and XX/XX/XXXX for two separate accounts to the credit reporting agencies ( Violation of the Privacy Act of 1974, 12 CFR Part 1016.7, 12 CFR Part 1016.10 and Alabama Code SECTION 8-19-5 ( 27 ) ) .On or about XX/XX/XXXX I sent XXXX a letter opting out of selling my private information, just in case they are using implied consent as a means to continue to violate my RIGHT to financial privacy. ( Violation of 12 CFR 1006.15 ), ( Financial Privacy Act of 1978 ) ( Griswold v Connecticut 1965 ) There are several federal and state violations committed against me by all parties involved. Code of ALA SECTION 8-19-5, SECTION 8-19-11, 15 U.S. Code 1692e, 15 U.S. Code 1692k
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX, # XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.