davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

In XXXX I became aware of a debt collection on my credit report from LVNV Funding in the amount of {$990.00}. I was not aware of this debt and did not know who this company was. 

I submitted a dispute with each of the 3 main credit bureaus. Stating this account was not mine. These debts each came back as verified without any notice to myself. Because I did not receive any information I disputed this item a second time. Agains this came back verified without any documentation to myself showing the validity of the debt. 

In mid XXXX I hired XXXX XXXX to help me dispute this item. After they began their disputing. I did finally get a letter from from LVNV funding showing that they own a debt on my name from XXXXXXXX XXXX XXXX. They also submitted a copy of an old billing statement showing my name. 

I have never had an account with XXXX XXXX. So I did some research and found that at minimum a a debt collector must show validation through a signed dosimeter by me showing that I agreed to pay this debt. A simple old billing statement does nothing to prove that I owe a debt. As this information can simply be false. 

I have attempted to dispute this item further and have been denied by the credit bureaus because I have no additional information. When in reality the debt collector doesnt have sufficient evidence that I actually owe the debt. Even after I have expressly stated this information to be inaccurate.
Consumer complaint received 2024-04-02
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Jefferson capital needs to provide how they verified this debt to the credit bureaus. How did you verify a debt using E-OSCAR? Provide through the CFPB portal the physical documentation your provided to the credit bureaus. If the information was sent as a numeric digit back to the credit bureaus then you have failed to do reasonable complete and accurate investigation.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

I was trying to connect my pnc bank account to XXXX XXXX to start learning about stocks. Unfortunately pnc has decided to not let me link it to. XXXX is a secure website that will keep all my information safe. I don't want to go to another bank just to link it to XXXX because it is a hassle and I don't have time to go to the bank.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (NV)

Credit card company is giving me an invalid reason for the decline. 
Credit card company said that they were not able to verify my identity but they didnt call me to ask security question or they didnt ask for copy of ID or social security card. 
The same day of that application I applied for the XXXX XXXX credit card and I was approved for XXXX dollars with the same bank Comenity Bank, there is several times that I been declined for the same reason. 
I called the bank over the phone to the Accounts Protection Team and they asked question and said that the bank does not have any more questions for me and I will receive a letter with the decision the decision came incorrect as I explained
Consumer complaint received 2020-06-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

My phone was stolen. My Chase Sapphire card supposedly has insurance for this sort of event. They subcontract XXXX XXXX XXXXXXXX  to provide the insurance. XXXX line is a horrible company that denies every claim for frivolous reasons or no sometimes reason at all. In the case of this particular claim it appears they have engineered the system to defraud all XXXX XXXX users of their benefits. 

They keep demanding a credit card statement that matches the card number on my receipt for the stolen. This is impossible. I used XXXX XXXX to purchase the stolen phone. The XXXX XXXX card number does not appear on the statement, only the main card number appears on the statement. Furthermore, XXXX XXXX card numbers are unique for each device. I no longer have the device I used to purchase the stolen phone. It is impossible for me to find that card number or to get any statement that matches it without the assistance of Chase but Chase refuses to provide assistance. 

This results in unwarranted automatic denial for any claim for XXXX XXXX purchases. There is no disclaimer that says XXXX XXXX purchases have no benefits. Even if I had the device that I used to purchase, the device does not display the full card number and the Chase statement doesn't include XXXX XXXX card numbers. 


I am attaching example screen shots from the device I currently have which has yet a new number I can only see the last four digits of. This is how it works and consumers have no control over this whatsoever.
Consumer complaint received 2020-06-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I was approved for a loan modification to a HELOC reset. I was having trouble affording the payment. After signing the agreement a few years later the loan was sold. 
I had a new servicer, SLS, who changed the loan term. They are now charging me a {$30.00} late charge for payments I made the same time as with the previous servicer. 

They accelerated the grace period about a week. That posed a problem for me.. That was the reason for the modification because my source of funds are direct deposited into my bank the latter part of the month. I can only make payment after the funds are in my account. The modification did not specify when late charge would be assessed or amount. The previous lender said late charges may be assessed after 15 days, more like a mortgage See loan statements. This continued throughout the loan with the previous servicer. 

The current servicer, Specialized Loan, responded to my complaint # XXXX with copy of pages from the modification agreement leaving out the disclosures pages that were part of the agreement. They were silent as to late charge and amount. 
The original lender said 'once the modification was is in effect it could never revert back to the original terms '! 
Each loan statement where I made payment on the XXXX of the month NO late charge was assessed and said ... 
Your Home Equity Account has been modified under a Modification Program. This statement reflects the changes made to your account. See attachments The only payment made after the XXXX was XX/XX/2020 in the middle of the pandemic as I was waiting on my stimulus check. I call Specialized to let them know, payment went out next day after received. 


XX/XX/2020 ACH Transaction - XXXX XXXX XXXX XXXX XXXX ACH Credit {$1200.00} {$1200.00}
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (NY)

I have a Fidelity Rewards Signature Visa. The credit card is issued by Elan Financial Services. In the mobile app I use to pay my bill, there is a calendar that shows the word " Due '' to signify the due date of the payment. However, the word " Due '' appears between two dates in the calendar ( with one date above and one date below ) and the correct due date is not highlighted, bolded or otherwise signified. Please see the attached photo. Because of this ambiguity, I have twice made my payment on the later indicated " Due '' date. 

While the card issuer has reversed the late fee, they refused to reverse any potential interest charges on my most recent call. Also, they refused to address the underlying issue, claiming that the correct due date is stated elsewhere. It is unclear whether the application design is simply poorly executed and ambiguous or if the company is creating intentional ambiguity to collect fees from consumers. In either case, they should fix the issue.
Consumer complaint received 2019-12-31
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. (CA)

EQUIFAX HAS RECENTLY VIOLATED THE F.C.R.A., ILLEGALLY DEPICTING XXXX XXXX  ACCOUNT NO. XXXX IN A TEXTBOOK EXAMPLE OF RE-AGING BY THEIR DEPICTION OF THE PAYMENT HISTORY.THIS VIOLATION CARRIES A {$1000.00} PENALTY WITHOUT PROOF OF INTENTIONAL NEGLIGENCE. 
THE PROOF OF MY ALLEGATIONS ARE ATTACHED. 
UNLESS THE ACCOUNT IS DELETED PROMPTLY I WILL CONTINUE TO ACCUMULATE FALSE VERIFICATIONS UNTIL I HAVE EXCEEDED THE SMALL CLAIMS COURT LIMIT OF {$10000.00} IN STATUTORY DAMAGES AND PROCEED TO COURT TO OBTAIN A JUST JUDGMENT AGAINST EQUIFAX AND XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I signed up with XXXX XXXX XXXX. They told me via email that I was not approved for the platform due to my Auto Insurance Score from TransUnion. After logging into TransUnion 's website to check my Auto Insurance Score, I was unable to locate it. I contacted TransUnion 's Customer Service Team and I was told that this is not something they provide. I then reached out to XXXX and they told me they also could not provide it. Yet they tell me in the email that I have " You have the right to dispute the accuracy or completeness of the information provided to us by contacting the consumer agency directly within 60 days of receiving this notice. TransUnion did not, however, make this decision. '' However, how can I dispute something when I have no information to base my dispute on. TransUnion clearly says they do not provide the AIS Score. This in my opinion violates the FCRA.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

I've been having problems maintaining my account due to COVID. I am still on CARES ACT unemployment and money have not been going through as often. Therefore I am politely, yet sternly demanding all {$440.00} collected from me in overdraft fees from XXXX be returned to my account or risk loosing me as a customer. 

Ive been with chase since XXXX and I wish for it to stay that way. 

You guys make billions every year in overdraft fees alone and to be quite honest I hope legislation will happen in the upcoming decades that require you guys to not charge more than a certain amount per day/ transaction. 

I have a kid to raise and bills to maintain, please don't get in the way of that.
Consumer complaint received 2022-10-05
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I emailed AfterPay to let them know I filed XXXX  XXXX bankruptcy on my account with them and that they should cease automatic withdraws from my account. They stated that they had stopped the automatic withdraws. I noticed another one was taken out for {$150.00} on XX/XX/XXXX of my account and I contacted them via email. They informed me on XX/XX/XXXX that they reviewed my account and I was owed a refund and that I should provide my bank account information. I have not heard anything back from them since XX/XX/XXXX and the only way to contact them is via email to which they dont respond.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NE)

To : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Date : Tuesday / XX/XX/XXXX XXXX : Disputing the amount of Citibank Costco card XXXX My name is XXXX XXXX, and I AM disputing the amount that you are collecting for, which you/Citi says is {$49000.00}. I will pay my part of the debt, but nothing more. The following is an explanation of why. 
Costco opened in XXXX NE in the Fall of XXXX. I got my original Costco Business card in late Fall of XXXX, which had a credit limit of {$9000.00}. InXX/XX/XXXX, numerous items were stolen from my purse such as : identifications cards, checks from XXXX XXXX, and the Costco credit card. An official Police Report was filed on XX/XX/XXXX ; I can send you a copy upon request. I also called Costco to  notify them, and they issued me a new card. 
In XXXX of XXXX I started to notice some strange activity going on with my XXXX account. Someone hacked into my phone account and started to make numerous purchases. When I noticed these purchases that were not mine I called XXXX. They eliminated all the purchases that were not mine, and they shared the last 4 digits of the bank account that were used which was not mine. 
In XX/XX/XXXX, I then noticed strange stuff going on with my Costco credit card. I sent them a copy of my police report and asked them to CANCEL my card. My balance was no higher than {$7000.00}. 
In the Summer of XXXX, I called Costco to figure out why I havent received a current bill yet. I spoke with XXXX. 
Later in the Summer of XXXX, I called Costco again per receiving a letter saying I owed a balance around {$30000.00}. The person I spoke with was XXXX. She said that in her notes that I had called in and asked them to link my husbands bank account to my Costco credit card for payments. There are numerous errors with this. First, I was divorced in XX/XX/XXXX, and did not include him when I got this Costco card. Second, I would not and did not ask them to link up my ex-husbands bank account to my Costco account for payments. Third, the last 4 digits they said I gave them were the SAME last 4 digits that the XXXX person told me I had given them. Fourth, I only bank at XXXX XXXX, and this bank account was NOT from XXXX XXXX. 
On XX/XX/XXXX, I called Costgo again per receiving a collection call from a company in OH. I spoke with XXXX. I said this is still fraudWhat do you need from me so you can process this correctly? 
I am willing to pay up to the {$9000.00} credit limit I had on my Costco Business credit card, but nothing more. I am a victim of identity theft,  have taken the proper procedures to let everyone know, and am not responsible for Citis mishandling of this situation. 

Copied : XXXX / XXXX XXXX XXXX FTC XXXX Federal Trade Commission CFPB XXXX Consumer Financial Protection Bureau State Attorney General for TX State Attorney General for NE
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Business Bureau (IL)

This person has called repeatedly ( at least XXXX times ) without leaving a message. When I finally answered the phone today, the person stated that they were a debt collector collecting for a mutual client, and proceeded to try to give me my date of birth, as if verifying. When I asked who their client was, the person tried to give me my date of birth again. When I asked a second time who their client was, the person stated, " I must inform you that if I indulge [ XXXX ] that information ... '', whereupon I hung up and blocked the number.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (MD)

I was behind on my payment due being on temporary XXXX for a few months after a surgical procedure in XXXX. In XXXX I received a letter from XXXX XXXX XXXX XXXX with an offer to settle my account. I was able to acquire a debt consolidation loan from my bank. In XX/XX/2023 I paid the requested amount and the remaining balance was forgiven. I'm in the process of purchasing a home. My credit reports do not coincide with XXXX report regarding the XXXX XXXX XXXX. The XXXX XXXX  account was paid and closed in XXXX on all 3 credit bureaus. However in XX/XX/2023 XXXX accepted a file from XXXX XXXX XXXX  reporting my account over 90 days late and derogatory. My score has been going up and down like a roller coaster on XXXX only. I believe they are accepting fraudulent information or they are reporting fraudulent information so that I will subscribe to their subscription services to monitor my credit reporting activities. I attached a letter from XXXX XXXX XXXX XXXX The letter reads - your XXXX XXXX account issued by the XXXX  XXXX XXXX  above has been settled for less than the full balance. You may receive a final statement reflecting your settlement payments. However, please regard any minimum payment or balance due information as the remaining portion of your count balance as shown that the top of this letter has been forgiven. Sincerely, Genesis FS card services the XXXX XXXX account is issued by the XXXX  XXXX XXXX and XXXX by Genesis FS card services Inc.. 

XX/XX/2023, XX/XX/2023, XX/XX/2023 reads XXXX XXXX info reported. There shouldn't be any information reported after XXXX payment because it was closed. Genesis FS card services also known as the XXXX XXXX XXXX  failed to report that the account was closed in XXXX, instead of reporting closed they didn't report anything ** except for XXXX when they reported that I was over 90 days past due.
Consumer complaint received 2020-06-09
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)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2022-01-23
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. (CA)

I check my credit score report 3 bureau and on XX/XX/2022 XXXX XXXX, XXXX XXXX BUT EXPERIAN only XXXX!!!!!!!!! This corrupt company constantly sends advertisements for monthly subscriptions to increase your credit score, but if you don't subscribe they keep your score low by means of pressure and blackmail!

Please Help me recovery my normal credit score without any payments that company!!!!!!
Consumer complaint received 2023-01-20
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # 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 a account without my written instructions