davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services (MT)

This is a copy of the letter I sent to " Clarity Services '' Clarity Services, Inc. 
XXXX. XXXX XXXX XXXX, FL XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " Clarity Services '' never responded or complied with my request. I will send them the letter again via certified mail.
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: STERLING JEWELERS, INC. (NJ)

I never had kay jewelers. They threatened to take me to court for the debt. I told them I was in XXXX so I guess the used that against me. They say it dosent matter how many disputes you get you must pay
Consumer complaint received 2019-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been in the process of completing my financial responsibilities by requesting validation of debts in my name. I sent a formal request for validation and to receive communication in writing only to PORTFOLIO RECOVERY ASSOCIATES in a certified letter on XX/XX/19. According to the tracking number, the letter was delivered in XX/XX/19. I then received a phone call from their automatic dialer on XX/XX/19. I sent another certified letter to PRA 's CHIEF COMPLIANCE OFFICER- XXXX XXXX restating my request for communication in writing only and declaring my rights consumer on XX/XX/19, and according to that tracking number, letter was delivered on XX/XX/19. I then received another phone call from their dialer in ( XXXX ) XX/XX/19. I continue to receive harassing calls from their ( XXXX ) ( XXXX ) dialer to this day, the most recent on XX/XX/19.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MT)

This is a copy of a letter I sent to " LEXISNEXIS '' LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA, XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report. I opt out of disclosing future information until further notice, including the clue report and all other reports furnished by lexisnexis regarding all personal information of mine. This security freeze is requested not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX   XXXX, XXXX  XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " LEXISNEXIS '' never responded or complied with my request. I will send the same letter via certified mail.
Consumer complaint received 2019-07-05
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: JPMORGAN CHASE & CO. (FL)

I'm trying to dispute a few purchases on my credit card that I never made. The transactions are from a recent trip to Puerto Rico, so I'm sure I'm not the first American citizen to be a victim of this fraud. I already called Chase Bank and spoke with three different representatives, but none of them have been helpful.
Consumer complaint received 2019-07-05
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 went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well XXXX  XXXX  XXXX  -XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX  XXXX  XXXX XXXX I have reached out to FTC and my local police department and I am doing this on my own behalf.
Consumer complaint received 2018-02-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Santander Consumer USA Holdings Inc. (TX)

I keep getting unsolicited calls from a debt collection agency who claims to be located in XXXX tx named SANtander. They claim I have a XXXX XXXX and keep calling for XXXX XXXX or XXXX. I have told them my number is not asicaocatied with these people and to not call me anymore XXXX. It happened back in XX/XX/2018 I thought I wouldn't receive anymore calls then yesterday at XXXX I get voicemail asking for me to call her back XXXX ( XXXX ) XXXX she's there till XXXX. They want to run my credit card and only want a debit card and XXXX XXXX  is how the payment is applied. Last time they said they were the law and and used XXXX ( XXXX ) XXXX This number. I have registered my number w do not call list yet they keep violating the rules an think it's joke and it's illegal to solicit money in fraudent ways. They claim to be a debt collection agency
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

During the month of XXXX, I sent a notification to Portfolio Recovery Associates about removing 2 old time-barred debts from my credit report, and gave them the standard 30 day to comply, with a mailing address out of state. ( that would be forwarded to me ) They immediately attempted to sue me for one account in hopes of collecting at the mailing address, out of state and beyond the statute of limitations allowable under Nevada State law # XXXX and under the FDCPA 7.2.12.3.1, and have failed to respond within the allowable 30 days on the other.

They knowingly knew this is beyond the XXXX, and have fraudulently opened 2 accounts in my name for purposes of collection, after both accounts were already closed. The time-barred debts according to XXXX # XXXX is 4 years max for credit cards, which both accounts they hold are beyond the 4 year maximum.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (FL)

One year after I turned my XXXX leased car into XXXX and bought a new car from XXXX, I received a letter from a collection agency saying I owed {$590.00} to JPMorgan Chase Bank. I have never not paid a bill on time. XXXX XXXX told me they were taking care of everything I owed on the XXXX lease. I left the car there paid for the new car and everything was fine until one Year later when I received letter from XXXX XXXX XXXX XXXX N J. I called and was told I owed this money from the leased XXXX. I was never called or received anything in the mail. I called XXXX and they said they had my previous address and phone number, so I never heard from them. I called XXXX and they said that it was not their responsibility even though they told me they would pay everything I still owed. I never received any bill in one year. I had a stellar credit report and this significantly lowered my score. I paid the bill the same day I received the letter and feel this was unfair. If the collection agency was able to get my new information, why couldnt JP Morgan Chase? I also have a few credit cards with them, so they have my social security number and I have never been late.My XXXX was bought in XX/XX/XXXX. My lease from XXXX was XX/XX/XXXX XXXX
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX, XXXX-Date of Inquiry XXXX XXXX, XXXX
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I filed a complaint due to bankruptcy showing on my Equifax report, the bankruptcy was XXXX I want to know when it will be removed. Rather than answer the question Equifax sent me a copy of my credit report. 

I want an answer as to when this bankruptcy will be removed from my Equifax credit report
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/2018, I closed an XXXX XXXX Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. XXXX XXXX made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an XXXX representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, XXXX XXXX was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my credit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (MT)

This is a copy of the letter I sent " LexisNexis '' LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, XXXX, XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report. I opt out of disclosing future information until further notice, including the clue report and all other reports furnished by lexisnexis regarding all personal information of mine. This security freeze is requested not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Home Address XXXX XXXX XXXX   XXXX, XXXX  XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " LEXISNEXIS '' never responded or complied with my request. I will send this letter again via certified mail.
Consumer complaint received 2019-07-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (CA)

- I recently ( summer 2019 ) initiated a loan payoff from Lending Club 's website ( www.lendingclub.com ). 
///// - I was given a clear payoff amount, with no disclaimers that this was not the preferred way to pay off a loan. I have screenshots to back this up. 
///// - The payoff amount indicated that this would cover 100 % of what I owed Lending Club. 
///// - The payment history on my account reflected the payoff amount, including interest, to the loan. 
///// - When I logged into my account after the full loan payoff amount was posted, I was shocked to see an additional interest charge that meant my account was not closed. 
///// - When I emailed and called Lending Club, they were adamant that I should have gotten a disclaimer indicating that paying a loan off online was not possible. Or that if it was possible, I should have received notification that the payoff amount was not accurate. I find this difficult to believe because : ///// - - 1 ) The agent gave conflicting information ( that it should not have been possible, and then that I should have gotten a notification that it's possible but not accurate ) ///// - - 2 ) The agent indicated that their " internal systems '' showed the correct amount, and that the web UI is not accurate. I find this alarming, and fraudulent. 
///// - - 3 ) The agent indicated that the loan payoff amount was for principal only, and did include interest. This is false, as my payment history for the loan payoff amount includes a breakdown of exactly how much interest was included in the payoff payment. 
///// When I submitted the payoff payment, I was given a congratulatory screen indicating that all was good, and that I had successfully paid off my account. 
///// Lending Club has began to answer my inquiries by telling me that they are recording my calls and are from the " Debt Collection Department '', which seems quite aggressive considering I paid of a 3 year loan in under 6 months. 
///// My opinion of Lending Club is that they are quickly headed down the path of predatory lending practices. 
///// Additionally, in their help center online, they indicate that paying a loan off online is possible and includes interest. 
///// > If you're ready to pay off your loan, congratulations! That's a big financial achievement. You can make the payment right from your account. The payoff amount includes your remaining principal balance and interest. Once you pay off your loan, you wont owe any additional interest and your monthly payments will end. 
///// XXXX XXXX XXXX
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (TX)

in 2009 my interest rate was 9 % and i just got off the phone with my Chase ink company that said that due to the Credit card act of 2009 they were allowed to adjust rates as they see fit based on Credit history etc etc ... ... so since my variable interest rate has jumped from 9 % to 18 % to 28 % and I am told that is the highest its allowed to go as if i should be saying thanks. This is not fair to the consumers who are so busy with the daily lives to always be paying attention to the changes that are alway in small print. This is deceptive and should be looked into.
Consumer complaint received 2023-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Called XXXX XXXX 3 different times after spending 30 to 45 min on phone and asking to explain to me why they are reporting 30 60 30 day late payments. After going over the accounts I was put hold on while they looked into it and was hang up on each time. In XXXX I tried to dispute the accounts and they came back verified. I paid and closed Both accounts the same day XXXX XXXX Account XXXX also Account XXXX. Experian also XXXX are reporting inaccurate information. 
As of XX/XX/XXXX is being reported Account XXXX *Updated : XX/XX/XXXX ( Inaccurate ) *Last Payment of {$0.00} ( how can they report {$0.00} payment ) ( Wrong info ) * *Date ClosedXXXX ( waited two months to report the account closed ) *Last Payment Made:XXXX ( The date of last payment made ) Account XXXX Updated XX/XX/XXXX Payment received : {$120.00} ( I haven't made a payment to this account since I closed Accouts. ) Last payment made : XX/XX/XXXX Date ClosedXXXX also reporting history XX/XX/XXXX This is completely against FCRA and has caused hardship to me and my family by these credit Bruals doing frivolous acts to consumers knowingly and I want this to be off my report. Next I will be contacting a consumer law attorney if this is not taken care of in a timely manner
Consumer complaint received 2022-10-21
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: TD BANK US HOLDING COMPANY (NY)

I wrote to the address shown on my latest TD credit card statement in the section 'Billing-Error Rights Summary '. The first letter dated XX/XX/XXXX was never acknowledged by the bank. When I called on/about XX/XX/XXXX they claimed non-receipt. I resent the same letter via Certified Return Receipt mail and the XXXX delivered it on XX/XX/XXXX. 

On XX/XX/XXXX I called TD Bank at the number indicated on the XXXX ' section, XXXX, and was told that there is no record of my letter. XXXX call center person at TD 'XXXX  ' told me that the letter should have been sent to South Carolina not Georgia XXXX I referred her to the above Billing-Error section which shows the Georgia address XXXX She said she can't contact that department. 

I eventually spoke to 'XXXX XXXX a TD Team Lead in XXXX XXXX. She is opening a new electronic dispute, referencing the letter, but it is not clear if my rights will be preserved as the " XXXX ' section clearly states that XXXXYou may call us, but if you do we are not required to investigate... and you may have to pay the amount in question '.

My complaint is that TD Bank Credit Card ServiceXXXX : - Did not acknowledge my first letter of XX/XX/XXXX - Did not acknowledge my resending the above via XXXX XXXX Return Receipt Mail, even though the XXXX returned the card and sent a message that the item was delivered - TD is not set-up to communicate between departments to the detriment of customers like myself. Nor did some of their staff know the dispute center was in Georgia. 
- I have to pay the disputed charge and wait for their response Any assistance on the above would be appreciated. 

Thank you. 




TD Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card # : Deleted for this Complaint I/N/O : Deleted for this compliant I had dinner at XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The receipt contains errors and I called the merchant XXXX times, once after the meal on XX/XX/XXXX, and XXXX today using XXXX XXXX option XXXX. Each time an automated message directed me to leave a message only to find that the mailbox was full and the phone system hung up. 

The incorrect charges are : XXXX XXXX XXXX XXXX {$7.00} ( We ordered XXXX XXXX which they did not have this available on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} ( We only had XXXX glass of wine ) XXXX XXXX {$3.00} ( This and the XXXX were ordered by an adjacent customer ) The disputed sub-amount is {$22.00} This changes the old sub-total from {$100.00} to {$85.00} At XXXX sales tax the new tax is {$7.00} That creates a new total of {$92.00} The tip was 20 % yielding {$18.00} The New Grand Total is {$110.00} The Old Grand Total was {$130.00} The total to be refunded is {$26.00} Kindly investigate and let me know of your findings. 

Sincerely, Deleted for this complaint