davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

I had an alert on my XXXX credit report on XX/XX/year>. I called the company JPMCB Card Services at XXXX and i had explained to them that it was not me but did not get more information than that they were going to canceled the inquiry. and that they were going to send the confirmation by mail which it was weird how they opened an account without any mailing address. on XX/XX/year>, i had another hard inquiry alert on the same company chase credit card services. I have never applied for any credit card services.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

On XX/XX/XXXX KIMBALL TIREY STJOHN started reporting to XXXX  that I owed them a debt in the amount of XXXX on the behalf of XXXX XXXX. Because of this a court order was issued garnishing my wages to pay the debt.. On XXXX XXXX the XXXX XXXX Superior Court sent a notice to myself and KIMBALL TIREY STJOHN stating that earnings withholding order had been terminated because the judgement had been PAID IN FULL. KIMBALL TIREY STJOHN is still reporting a balance owed of {$160.00}, as of XX/XX/XXXX, although the court order from the XXXX XXXX Superior court states  that the debt as been paid in full due to wage garnishment.
Consumer complaint received 2019-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CT)

My account with BMWF is currently past due for months of XX/XX/XXXX an XX/XX/XXXX, the total amount due shows XXXX as of today, XX/XX/XXXX. I do not know if this amount includes all late fees, returned check fees, etc. I am currently without a phone and am unable to call BMWF to make any type of payment arrangement ( s ). However, I have made payments totaling XXXX to date, amounts of XXXX received on XX/XX/XXXX, XXXX received on XX/XX/XXXX. I will make the outstanding balance, which I show is XXXX by XX/XX/XXXX. I request BMWF allow me this time, hold off on collection activity.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NJ)

There are 8 open accounts with Nelnet so I am going to group all of them together rather than doing 8 accounts.

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (WA)

When I contacted PHH my payments were up to date, however I explained that I would have difficulty paying the mortgage due to my wife losing her job due to XXXX  problems. 

PHH said they could give me three months to solve our financial problem thanks to our good credit. They did not explain to me that at the end of the period of time we would have to pay the total accumulated debt. 

We explained to PHH that it would be impossible for us to pay the accumulated debt and we requested payment alternatives. Meanwhile, my wife was able to start working again and we restarted payments. 

PHH requested several documents and each time PHH was contacted they provided us with a different explanation than the previous one, requesting the same documents again as if we had never sent them. This happened four times in which we resent what was requested. 

We feel mocked. I have called them countless times to try to find out our situation and receive a clear answer as to our next step. Whoever answers our calls can never explain what situation we are in or what the next step is. 

The PHH representative assigned to our case has never contacted us or responded to our messages. PHH has been the worst nightmare we have ever experienced. Their psychological abuse and lack of professionalism correspond to a XXXX XXXX institution.
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Harris & Zide (CA)

In XX/XX/2022, I sent certified letters to the law offices of Harris and zede in XXXX XXXX, Ca telling them that the debt doesnt belong to me that my name is XXXX XXXX XXXX not XXXX XXXX for that is my fathers name and I have no knowledge of this debt and is not my debt. I received no response then on a random day when I returned home from a work trip and vacation I have a random court summons saying Im being sued by XXXX XXXX XXXX. The document was left on my door steps and mustve flew around because my neighbors shared they had to grab the papers from blowing away. I was not properly served nor this this debt mines and they yet to provide the original purchase agreement with the terms and conditions that shows I owe this alleged debt. This is poor practice for I feel harassed, Im embarrassed, and this is on my credit report and it is doesnt belong to me. Please help and stop these predators for illegally trying to sue people and get judgements because the individual is not aware. Ive a victim of identity theft and my police report file number : XXXX XXXX police department XXXX XXXX XXXX dispatcher XXXX XXXX id # XXXX Identity theft File # XXXX I also sent another certified letter requesting the original purchase agreement again on XX/XX/2022.
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfiolio recovery Statement to terminating investigation dated XX/XX/2019 stating they need more information,? how can they validate and report a alleged debit if they don't have information in there own statement enclosed I never received anything but this letter
Consumer complaint received 2022-12-17
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. (SC)

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 reporter agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2.company has also No permission to report anything using my info pursuant 15USC 1681 4 XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$420.00} XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$260.00}
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have tried to work with capital to find resolution to falsification of my residency and to correct their mistake but was not successful. 

My last attempt was today I spoke to supervisor and was advised nothing can be done. XX/XX/XXXX. 

I am asking fro phone records from capital one and their hired firm XXXX XXXX XXXX to proof that I was working in Texas and living in Minnesota. This false a statement and I want to challenge this they are claiming because of this statement they were able garnish my account for XXXX dollars however the firm knew I was in Texas I spoke XXXX ( XXXX XXXX XXXX ) numerous times and told him I was in Texas while his agency was not licensed in Texas I called capital prior to collection and still they proceeded with garnishment. 

I want capital one to follow the law and be brought justice for braking Texas collection laws : No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id. 

Also my attachment shows that court was aware of my address as of XX/XX/XXXX. 


My main complaint here is falsely stating my residence the only way I believe this could to cleared is to review those phone calls with capital one and XXXX XXXX  XXXX. Just falsification is scary and I fear that others could find themselves in the same problem when agency is asked to follow the law they should and accuse the consumer of lies so they can justify their false actions. I also ask for penalty to accessed because this is violation of fair debt collection practices.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NH)

On XX/XX/XXXX my Sofi checking account was hacked for {$2500.00} in mostly multiple {$70.00} and {$90.00} transactions. Different people took money out through pay a friend. I did not know any of these people and the bank said that they were from all over the world. My account was frozen and I had no access to my money for a week. After their investigation the bank put the money back into my account and I open a new account with Sofi and on XX/XX/XXXX it happened again. Same pay a friend they took out {$2000.00} in mostly {$20.00} and {$25.00} for a total of 70 transactions. 
After their investigation they said they were not returning my money and they were taking back the money from the first time it happened too. A total of {$4500.00}. 
They said that there was a two factor authentication and thats why they are not returning my money. 
I looked up what that meant and I did not put in a code or used Face ID for these transactions.
Consumer complaint received 2020-02-19
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. (FL)

I believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please thank you.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NY)

On XX/XX/XXXX I contacted Jefferson Capital Systems and was told the account would be removed from my credit report. This collection account has damaged my credit rating, preventing me from obtaining a home loan. I would like this resolved immediately, as this is a FCRA violation.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source.

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports.

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately.

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is information thats on my credit report that I did not consent to and I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified accounts are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am attaching the loan verification letter from XXXX XXXX. These accounts were closed and consolidated into 2 loans, but my credit reports are still showing them open. I would like them removed completely from my credit report.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (GA)

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am attaching the loan verification letter from XXXX XXXX. These accounts were closed and consolidated into 2 loans, but my credit reports are still showing them open. I would like them removed completely from my credit report.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CO)

On multiple occasions I find KeyBank locations to have malfunctioning ATM machines. I've asked local locations to address this issue as I use ATMs often and need to deposit money. I have to drive all over town to find a ATM that is in working condition. On XX/XX/2022 at around XXXX. I went to XXXX ATMs in the XXXX XXXX area ( XXXX ) as I went to the XXXX location @ XXXX XXXX XXXX XXXX Colorado XXXX I thought I was able to use the ATM as is it appeared to be functional. I put {$1000.00} dollars into a Deposit at the ATM. The machine starting showing malfunction issues. It would not give me my money back and it wasn't deposited into my account per mobile app. So I sat at the ATM for over an hour trying to see if it would dispense my cash/card. This is an ongoing problem and I had to call customer service. I was on hold for over 45 minutes as I waited at the ATM and was told there was nothing I can do. I just feel the branch should hold more accountability for servicing the ATMs on a regular basis or get new machines. I was told on XX/XX/XXXX that I would have to wait until XX/XX/XXXX for the ATM to be serviced. Meanwhile my account is not able to be used, and my money is just floating. I find this to be a huge issue and I was unable to get any contact information for the area manager or store manager. I feel someone should be held accountable for the inconvenience and reliability of the ATMs.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERIS BANCORP (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to file a formal complaint against American Express regarding their unfair business practices and failure to address a dispute resolution issue. The details of the incident are as follows : XXXX. On XX/XX/2024, a client used their American Express card to pay for marketing services provided by my company. XXXX. Subsequently, the client mistakenly disputed the charges with American Express, citing an accidental dispute. XXXX. The client promptly contacted American Express to close the dispute cases with the following case numbers : - Case Number XXXX - Case Number XXXX - Case Number XXXX - Case Number XXXX The client requested multiple times to reverse the charges associated with these disputed transactions. XXXX. Despite the client 's efforts and requests, American Express has failed to fulfill the request to reverse the charges, leaving my processing service account in a negative balance. XXXX. This failure by American Express to address the dispute resolution in a timely and satisfactory manner has caused significant financial harm to my business. I request immediate intervention by the FTC to investigate this matter and ensure that American Express fulfills its obligations to handle dispute resolutions fairly and promptly. Specifically, I request to be contacted by American Express 's merchant services department to resolve this issue swiftly and to reverse the charges associated with the disputed transactions.