davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX my Mother was first contacted via phone by someone who left a voicemail for her saying he was calling from XXXX XXXX, a third-party company retained by XXXX and XXXX regarding a pending legal matter that was going to be filed against me and that if I didn't want an action to be filed that I would need to contact their legal department immediately. I called the phone number and reached XXXX, XXXX and XXXX and spoke with someone who said her name was XXXX. She explained to me that the reason they were trying to reach me was because they were in the process of trying to serve me legal documents at my place of employment or anywhere they could reach me regarding a Chase debt ( that I had settled on XX/XX/XXXX ). I emailed her a copy of the paid letter and receipt. She responded that the settlement was actually only a payment and that this payment restarted the statute of limitations on the debt and that I still owe the debt. She encouraged me to acknowledge the debt and enter a payment plan and also stated that she and an attorney in her office were trying to add the debt to my credit report since it had not been reported, in error. I responded that I believed I had already settled the debt in full, that it was resolved, and that I would be getting in contact with an attorney to assist me with this matter. She responded that it would be cheaper for me to just settle than to pay an attorney and reassured me that she was calling from a legitimate, licensed debt collection agency. She encouraged me to look up their business license with the department of Commerce. She also verified my social security number and many other person details such as how much credit I currently have and most recent place of employment. I continue to receive debt collection calls about this settled debt from spoofed numbers threatening that I still owe the Chase debt and that they will sue me and see me in court.
Consumer complaint received 2023-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (MO)

On XX/XX/XXXX, I submitted a complain ( # XXXX ) regarding I did not receive notice to dispute from Consumer Adjustment co XXXX XXXX XX/XX/XXXX the company responded, stating they have sent me a initial notice thought US postal on XX/XX/XXXX ( with no proof of delivery ), Company responded to the complaint stating they will respond to dispute letter. I did not receive enough information to verify any debt. 
The information I did receive violation code 15 US 1692 ( b ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Furthermore this company has violated my consumer right by reporting to credit bureaus without written consent According to 15 U.S. Code 1692 ( C ) ( A ) 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 Except for 15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall Lastly when I pulled my credit file for XXXX under loan type it says Collection agency/attorney which is very misleading. 
According to 15 U.S. Code 16929 ( e ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
My consumer rights have been violated and this is affecting my credit file tremendously. I would like for the company to be removed off my credit immediately and to fine for the violations listed above. 
Attached below are all supporting documentation.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

I've been a XXXX Rewards Visa ( Barclays ) card holder since XXXX of XXXX. I have always paid on time, never carried a balance, and my credit score has always been strong ( XXXX ). It was my daily go-to credit card due to the good rewards program. 

On XX/XX/XXXX my account was closed by Barclays without prior notice. A week letter I received a form letter saying the cancellation was due only to " a history of account usage ''. This is terminology from the Terms and Conditions as a valid reason for account closure and points forfeiture. However, there was nothing about my account usage that was suspicious or unusual that any customer service agent could indicate. The phrase is so vague it has no meaning -- every credit card has a history of usage.

Barclays has every right to end our business relationship, but my primary concern are the significant balance of reward points I had at the time of account closure -- XXXX points -- which are worth between {$2700.00} and {$4100.00}, depending on how they would have been redeemed. Of course, I always chose the best redemption method, so to me they are worth the larger amount. 

Barclays has always advertised this card primarily based on the rewards program, and so I believe it to be false advertising to award points at purchase time but then cancel the card without notice before these points could be used or transferred out. 

I made several calls to customer service on XX/XX/XXXX and spoke with a variety of different departments, none of which could help me other than confirm my points were inaccessible.
Consumer complaint received 2023-06-25
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: CL Holdings LLC (TX)

While checking my XXXX credit report I noticed a debt collection from Jefferson Capital Systems. While doing an investigation I also noticed that this collection company is not license to collect debt in the state of XXXX  and they are trying to collect on me, which is a violation.
Consumer complaint received 2017-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (OH)

I have tried to send {$1900.00} to XXXX through Remitly on XXXX XXXX 2017 and they promised to deliver the funds by XXXX XXXX 2017, which did not happen. I called the customer support they said that are having technical issues and still need some time to deliver. I called on XX/XX/XXXX and inquired about this, they said still they are having issues. I wanted my money back, they are saying that it can not be refunded until 10 business days. This company seems to be fraud, I am worried about the money.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I DETECTED FRAUD ACTIVITY IN MY CITI CARD AND COMPLAIN WITH CITI AND PUSH TO DESACTIVE CARD INMEDIATLY AND THEY SEND ME OTHER BUT THIS I NEVER ACTIVATED AND THE FRAUD ACTIVITY KEEP GOING AND I REPORT IT AND SAID TO THEM THAT WAS THEY'RE RESPONSABILITY AND NOW THEY SEND REPORT ABOUT A CHARGE AT ATM!!! HOW!!! I HAVE'NT ANY CITI CARD ACTIVE SO I HAVE MY RIGTH THAT CITI IS WHO IS THE FRAUD EXECUTOR OF THIS ACTIVITY BECAUSE IF THEY NOT THE ATM HAS CAMERAS SO WACH OUT IT CITI TO ME IS EXTREME SUSPICIUS IN ATTITUDE AND VERY VERY VERY SUSPICIUS FOR DO NOTHING TO STOP FRAUD ACTIVITY..
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Since XXXX  i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. XXXX  have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to XXXX  reporting inaccurate information & ignoring all of my attempts to notify them of such.
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Recovery Service Incorporated (NY)

To : CFPB RE : Disputing Fraudulent charges I am writing this letter to make a formal complaint and dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX for making about 10 unauthorized charges to my checking account affecting me because I received overdraft charges of {$35.00} each. By XX/XX/XXXX I tried to use a new merchant company I contacted XXXX XXXX XXXX within 3  business days I didn't like their services and I decided to cancel it ; to proceed with cancel service I have to return the merchant device and closed the account I did returned the equipment but also they advise me that I had to get in contacted with XXXX XXXX XXXX XXXX that was the main merchant company for XXXX XXXX. Immediately I contacted them by phone to cancel my services, after while I stared getting charges under the name of XXXX and I contacted my personal bank they gave me a phone number I called them but they sounds to be a different company and no idea about me? and they couldn't help me, in the mean time those charges was made to my account, then by XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Phone : XXXX for the amount of {$530.00} Ref # XXXX under the name of XXXX XXXX XXXX XXXX I contacted them and this was in connection with XXXX XXXX XXXX XXXX I spoke with XXXX Ref # XXXX she explained me that they are trying to collect a debt on my name XXXX XXXX XXXX XXXX XXXX ) I advised her that I have not relationship with XXXX XXXX XXXX XXXX for long time, and inclusive I returned equipment ( device to charge credit cards ) that I have no records of services with them, she personality verified what I was saying, and she tried to do conference call with XXXX XXXX XXXX XXXX to clarify this annoying and incorrect procedure from XXXX XXXX XXXX XXXX AGAIN! @ XXXX but it was unsuccessful to get a person over the phone and left few messages to them explaining why I need them to stop charging for a service that It doesn't exist, until today nobody has contact me and I really concern because I can lost my checking account getting overdraft fees. Please I really appreciate your attention on this matter. 
I really want to proceed with formal complaints to these companies, and clarify those fraudulent charges and avoid that this collection company record any negative records in my credit report.
Consumer complaint received 2023-01-13
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: Security Credit Services, LLC (NV)

XXXX XXXX XXXX this XXXX XXXX XXXX XXXX debt ( I don't know if it's for the credit card or personal loan, but those were also included in my XXXX filing. I filed for XXXX Bankruptcy on XX/XX/XXXX and XXXX XXXX XXXX was included in that filing. I no longer owe this debt. I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX. The amount of the debt is {$16000.00}. I don't recognize the last XXXX digits of the account listed on the credit report given. This could be my credit card or personal loan, that I no longer owe due to filing this Credit Card in the bankruptcy. This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and XXXX XXXX XXXX XXXX ( all accounts ) were included in the filing and even the debt collector XXXX XXXX XXXX. Any further collection is tied to that filing. This debt collection needs to stop and dropped from the open collections portion of my credit report.
Consumer complaint received 2022-12-02
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. (GA)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Consumer complaint received 2023-02-10
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. (KS)

I have submitted numerous disputes to each credit bureau as well as XXXX XXXX XXXX XXXX regarding a credit card balance. On XX/XX/2023, I sent another dispute with identity theft affidavit and proof to Equifax and each of the other credit bureaus via certified mail return receipt as well as XXXX. Equifax received the affidavit and letter and proof on XX/XX/2023 XXXX signed by an employee at collection at the post office. Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to block the identity theft related account from the credit report permanently. I called and spoke with a representative on XX/XX/2023 regarding the FTC Identity Theft affidavit and their violation of FCRA 605B by refusing to block the account. The representative reviewed the letters and information and indicated that they will not block the account at this time, regardless of the requirement by FCRA to have blocked the account by XX/XX/2023 per the 4-day rule. At this time, the agent hung up on me. Call recorded and recording linked on uploaded document. XXXX received the FTC affidavit and information on XX/XX/2023 and the account is required to be blocked within 4 business days, which is XX/XX/2023.
Consumer complaint received 2019-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Ive sent out a Cease and Desist letter to Navient requesting that they discontinue any calls or other forms of communicate with Me or the people that are claimed to be linked to my alleged debt with them. I received the certified receipt back and it says that Navient received and stamped it on XX/XX/2019. Since then, I have been receiving calls from Navient ( Several times on XXXX and the days after ). I have been keeping track. Navient has NOT respected my wishes and have been calling from different numbers, sometimes back to back. I received a call as of yesterday, XX/XX/2019. Last week, I answered the call and someone from Navient told asked for my Mom. My Mom is listed as a Co-signer, but the letter asked that calls be ceased with myself AND EVERYONE ASSOCIATED WITH SAID DEBT. Navient informed me that they didnt have to stop calling because the Ombudsman told them not to. I NEVER received anything in writing stating that and that statement she made is monitored and recorded. At this point, my rights are being abused and I am still being harassed about payments. I have been making payments, but when they call, they are asking for different amounts owed. I will be seeking assistance on how to handle this matter. I told them that my Mom does not have this number and they still call. One rep told me that she will not stop calling. HARASSMENT!
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-02
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. (NY)

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Experian doesnt have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (DE)

This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please review your records regarding this account, as we have established your bureaus propensity for reporting inaccuracies and remove this item. Immediately.
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

I purchased an item through XXXX back in XX/XX/XXXX and decided to finance the item through Affirm. I never received the item and was told through XXXX to file a police report because of the cost of the item. XXXX then confirmed the police report and had to report it to Affirm. I was contacted by Affirm and was told from them that XXXX was responsible for sending the police report. Affirm had reached out to me multiple times. I also then reached out to XXXX confirming the police report. There was nothing that I could do on my end at that point besides making sure XXXX sent them the report. That went on from XX/XX/XXXX until XX/XX/XXXX. Which I was then reported for no payment.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (GA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-06
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. (MO)

I sent a dispute to XXXX to validate the debt being reported on my credit report. I contacted the company to resolve this debt and was informed that they would send me proof within 30 days. Instead, my information is being reported to a third party without my permission a violation of FDCPA 1692.809 ( a ) ( 4 ) This FDCPA covered entity and their business associates shared my personal information without my permission or having signed a release. My privacy has been violated, security and records have been breached. 

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this debt is valid.