davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-08-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX I have called every number in the book just to be put on hold and tell me they cant give me any information. I have done everything chase bank has told me to do and no one has done anything about this issue being resolved. Going on 4 months now and I have still not received my checks due to them closing my accounts without any warnings. I have talked to branch managers, every number given and still its XXXX and Nothing. I was told once Chase closes my accounts I would receive my money. I had received an email surprisingly stating it was closed. And after 10 business days I would have my money. That is not the case and I am at a complete lost here. Please help me resolve this and move on.
Consumer complaint received 2020-04-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwood Asset Management Group (FL)

I mistakenly took a payday loan from XXXX for {$2000.00} in XX/XX/2019 ( I believe this was the amount because I can not find the original paperwork because XXXX sold the account and the links are no longer valid ). In XX/XX/2019 I realized I had become overextended with payday loans ( I had three other loans ) so I contacted a debt mgmt team. They advised me that all of the loan companies worked with them except for XXXX. I contacted XXXX many times via email ( which I can provide ) and by phone ( no answer ). I advised them to please work with my debt mgmt company so I could pay them and they never answered me. I do not have the money to pay them and I am working to pay the other loans because they are working with my debt mgmt company. In the last two weeks I was contacted by a XXXX XXXX (? ) from Northwood Asset Management ( who apparently bought the bad debt ) who calls from a local number and leaves a toll free number to call back regarding a " personal matter ''. I called her back last week and when I advised her I had tried to work with XXXX multiple times she laughed and said " That's not what they said ''. I advised her I was working with a debt mgmt company and she wanted the name. I advised her that after trying to work with XXXX and them not answering me I had to pay the creditors who were working with me. She said " Well it doesn't go away and the lawyers are going to sue you for {$11000.00} ''. She sounded very threatening and laughed at me a few times. I was in the middle of my workday and needed to get back to work so I advised her to send me the information however I am not trusting of this company due to their bad XXXX  reviews and predatory factors. 

Thank you! 
XXXX XXXX
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OR)

Dear Consumer Financial Protection Bureau : Im writing to request assistance resolving XXXX  and credit reporting discrepancies with Jefferson Capital Systems. 

I received a letter from Jefferson Capital systems in XXXX of XXXX requesting payment on a debt incurred through XXXX XXXX back in 2019. The original debt was XXXX and the letter stated they would accept a settlement payment of XXXX to resolve the account in full. 

I called Jefferson Capital systems on XX/XX/XXXX to negotiate payment options. I learned during the call that the offer expired the day before, on XX/XX/XXXX and they had just filed a case against me with the XXXX XXXX XXXX system. I asked if there were still options to negotiate a settlement. Jefferson Capital systems agreed to accept a payment of XXXX} as payment in full and to drop the associated court case. I made the full payment of XXXX that day to avoid receiving a court summons and settle the matter before it became a legal proceeding. I received a letter from Jefferson Capital systems on XX/XX/XXXX confirming the debt had been satisfied. I received another letter from them dated XX/XX/XXXX notifying me they had requested dismissal of the court case, with prejudice. 

On XX/XX/XXXX I received a court summons on the case. I called today to check on the case status and the court confirmed they never received a request for dismissal, and I have XXXX days from the date I was served to file a response. I have also learned the debt collector has updated my credit file to show the account still in collections with an amount owed of XXXX. I would like to find out if I have any recourse against the debt collector for failing to uphold the terms of the agreed upon payment to settle the debt. At the very least I would like the active court case against me dropped and my credit report update to show the debt collection paid as agreed. 

Thanks for your help
Consumer complaint received 2023-01-06
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: Collection Management Holdings, LLC (OK)

My husband bought a truck from XXXX XXXX XXXX while I was at work. He got it a few months before he passed in XXXX XXXX XXXX It wasn't even tagged yet due to covid shutting down the tag offices in our areas. I didn't know till after he had passed and I voluntarily surrendered the vehicle and it ended up tanking my credit XXXX XXXX  that my name had been forged and it was on my husband 's truck. I sent them an email saying we loved it but I couldn't afford it. They then tried to get my insurance for XXXX worth of hail damage that was already on the vehicle. That got denied then they sold it and want me to pay the difference. I have no job and XXXX XXXX. I have no extra money to pay the difference is XXXX XXXX Unfortunately I just don't have that kind of money. They sent me a paper saying I'm going to be taken to court but no court date has been set and I am trying to get a home for me an my children and this is really hurting my credit. The place contacting me is XXXX XXXX XXXX I've tried sending proof of the signatures not matching. That I was at work during this time. I don't know what else to do.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (OH)

I called a third party company that the collection was paid to and asked that they report the account as paid to the credit bureau. They said they do not deal with credit reports and the account was no longer in their hands and I had to contact the credit bureau 's to correct the status. The comment on my credit report shows as paid but still reflects as a collection account. I am looking to get this to reflect correctly as paid. 

Convergent {$170.00}
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

on XX/XX/2020, my account with chase bank in XXXX closed my account with out warning and hold my funds. During this pandemic this should be illegal, considering that the stimulus check with be going to now a closed account. I was given no warning and now when i try to talk to customer service on 5 different occasions. I am on hold over 4 hours just to end up being hung up on. 
I cant get answers from my main branch either. I will not receive my stimulus payment now or it will take months. Like everyone else, this is the time I need my funds in my closed account and also the stimulus. Please help me figure this out with this institution.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (OK)

My husband bought a truck from XXXX XXXX XXXX while I was at work. He got it a few months before he passed in XXXX XXXX XXXX. It wasn't even tagged yet due to covid shutting down the tag offices in our areas. I didn't know till after he had passed and I voluntarily surrendered the vehicle and it ended up tanking my credit  XXXX XXXX that my name had been forged and it was on my husband 's truck. I sent them an email saying we loved it but I couldn't afford it. They then tried to get my insurance for XXXX worth of hail damage that was already on the vehicle. That got denied then they sold it and want me to pay the difference. I have no job and XXXX XXXX I have no extra money to pay the difference is XXXX XXXX Unfortunately I just don't have that kind of money. They sent me a paper saying I'm going to be taken to court but no court date has been set and I am trying to get a home for me an my children and this is really hurting my credit. The place contacting me is XXXX XXXX XXXX I've tried sending proof of the signatures not matching. That I was at work during this time. I don't know what else to do.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX : {$560.00XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This collection just show up on my credit report XX/XX/2020. I have no knowledge on this account all my accounts are paid as agreed monthly, I would like this collection to be removed never get any letter with explanation or where the debt is coming from. Amount due according to collection agency is {$1400.00}.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Greetings, I am contacting your office to notify you that Portfolio Recovery Associates , LLC has been calling and harassing my family and we are stressed. I started documenting the calls on XX/XX/2022 through XX/XX/2022 and during that time period they called approximately 30 times from different numbers. On XX/XX/2022 I sent a debt validation and a cease and desist letter via email and now awaiting their response.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian is still reporting XXXX XXXX XXXX, XXXX   XXXX XXXX & XXXX on my report as verified. I have requested documentation to show how this account was verified and my request have gone ignored. I have filed 6 complaints with the CFPB and Experian states that I am a third party even with proof that I am the person making the claim. 

Experians continued response to my complains are a clear attempt to avoid addressing the false reporting. 

Experians response to all compliants : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' XXXX and XXXX   have removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was unable to verify. I have asked Experian to show how they were able to verify this account and XXXX along with XXXX have not been able to verify. I also requested the documentation used to verify which they still have not responded to all of my request. 

I have all records sent to Experian with receipt showing that they were received by Experian. Documents attached to this complaint is just a few I was unable to attach all it took over an hour to attach the documents below. See previous complaints attached for additional documents. I will be able to mail or email additional documents if the CFPB Judge reviewing this case needs to see all of them.
Consumer complaint received 2023-01-06
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. (TX)

I'm in the process of buying a house the lender keeps pulling my credit with my brother and sons information on it. When I call the bureaus, all 3 major ones to get the issue resolved I get a confirmation number and a reassurance that the issue will be resolved. That was a year ago and the issues still stands. Which is causing me to be homeless and holding up the closing date for my newly built home. I'm so frustrated cause they keep telling me it takes up to 30 days to correct. I don't have that time anymore and it's not my fault it wasn't done correctly a year ago.
Consumer complaint received 2020-08-04
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: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}
Consumer complaint received 2020-08-04
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. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$2400.00} XXXX XXXX {$190000.00} XXXX XXXX {$22000.00} XXXX   XXXX {$21000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX XXXX {$640.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

I owed a debt to XXXX XXXX XXXX. That debt was sold to LVNV Funding LLC who assigned to XXXX XXXX XXXX who sent me a letter offering a settlement amount if I paid in one lump sum. I paid them {$180.00} on XX/XX/XXXX. Almost a month later I noticed the debt was not removed from my credit report. I called XXXX XXXX on XX/XX/XXXX who said it takes time which is totally not true as I have made settlement payments in the past and the account was immediately removed from my credit report. So they told me to call LVNV which I did. When I finally got someone on the line she said that I had issued a no contact via phone or mail and was informed that I would have to lift that. I already know that was fishing. Since the account was paid there was no need to lift the no contact. They wanted me to do that so they could keep harassing me. Since they took my payment and didn't close my account they can now close my account or refund me the {$180.00} otherwise I will dispute the charge with my bank and the charge reversed. Their choice. My bank don't take too kindly to people trying to rip me off. I have already gotten payments reversed with this bank that I was told couldn't be reversed. This company played with the wrong one as I have been trained as a XXXX  so I know exactly what they are and aren't allowed to do. It doesn't take time to close an account, It only takes time because they falsely represented that they were authorized to accept settlement payment. That is against the law. They will either close the account or refund my money. I ain't playing games with them.
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with XXXX/XXXX
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm in the process of buying a house the lender keeps pulling my credit with my brother and sons information on it. When I call the bureaus, all 3 major ones to get the issue resolved I get a confirmation number and a reassurance that the issue will be resolved. That was a year ago and the issues still stands. Which is causing me to be homeless and holding up the closing date for my newly built home. I'm so frustrated cause they keep telling me it takes up to 30 days to correct. I don't have that time anymore and it's not my fault it wasn't done correctly a year ago.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I am quarantined, no car and high risk. I made a payment to my Slate credit card at approximately XXXX XXXX. XX/XX/XXXX. 
Today, after a Slate rep. incorrectly informed me XXXX XXXX had not confirmed the payment, and XXXX XXXX wrongfully said the electronic fund transfer had never been received, another rep confirmed that Chase ( parent company of Slate ) had indeed received the payment of {$530.00} but was holding my money ( earning interest ) and withholding these funds from my use for an additional 5 days until XX/XX/XXXX. The excuse given was that because I had chosen to increase my payment to approximately 10 % above my limit of {$500.00}, this additional hold, with no warning given at time of payment, had been placed. Also, each time I called I was lobbied to let them check my credit so they could increase my limit even though we all know now that banks grow rich by selling our personal information as a default instead of leaving it for customers to solicit themselves if they in some unlikely scenario they wanted their data compromised, Here 's what I told Slate, if they want to put a hold on that part of the payment that exceeds my credit limit of {$500.00}, well, they already stage availability by percent of total deposit or certain amounts which is apparently legal, so a hold on the extra 10 % of the payment that is one thing. Placing a hold on the first {$500.00} they received by electronic fund transfer to restore my credit account of {$500.00} limit is another. I have no way to order medications, groceries, transport and other essentials essentially for a week.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$2400.00} XXXX XXXX {$190000.00} XXXX XXXX {$22000.00} XXXX   XXXX {$21000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with XXXX at least four times. The first three times XXXX took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to XXXX. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. XXXX still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to XXXX, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.