davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I did not give Resurgent Receivables LLC authorization to use anything whatsoever of my information. I have made a report against them the FTC. Resurgent Receivables LLC are in violation Pursuant to 18 U.S.C 1028A, This company Resurgent Receivables LLC are in violation. I never gave them the authorization to use my information. Pursuant to 42 U.S.C 408 Resurgent Receivables LLC are in violation. Pursuant to 18 U.S.C 1030 Resurgent Receivables LLC are in violation. Pursuant to 18 U.S.C 894. Pursuant to 15U.S.C 1693e pursuant to 15U.S.C 1681. Pursuant to 15U.S.C 1692d, Resurgent Receivables LLC are in violations.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, XXXX, XXXX, and LCI have deeply failed me. These companies have not responded to my disputes over the last 60 days. There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WY)

Up until this point I have had no issues with American Express. I have never missed payments, never had poor experiences, etc. That unfortunately has changed. Recently my wife and I both applied for the Delta Gold card ( within the past month ). She was instantaneously approved whilst I was asked to provide " more documentation ''. This already felt odd from the outset given my credit history is substantially longer and my credit score was also higher than hers. She even had a small but nonetheless open collections account that we had been unaware of at the time of her application. Yet she was still instantaneously approved and I was not. 

I received a letter in the mail from Amex demanding that the documentation I provide by mortgage statements/home insurance statements etc. I also need to provide proof of my name! This is when it became apparent that I was suffering discrimination and the XXXX was being violated. My wife and I recently became homeowners and thus our address changed on our Amex accounts we were now owners instead of renters. Why was she not asked to provide supplemental documentation. Why is it just assumed that she is being entirely truthful and forthright about her address. Simply put, she has an entirely Caucasian name. We have not processed a last name change yet and thus her name comes off as entirely Caucasian. Both my first and last name clearly suggest I am a non-white person. The insinuation hear is that I as a non-white person I am not as creditworthy and may have made a false statement in claiming that I own a home ( or even gave a false name according to Amex?! ). This is simply unacceptable. 

Perhaps the true final nail in the coffin was my wife had never remembered to change her address when we became homeowners. Amex had my new address already, but they hadn't had hers. She had applied for something else previously ( and was instantly approved ), and informed me she got a letter from Amex saying it appeared her address in her account was potentially incorrect. Yet she was still approved instantly. Amex changed the address in her account on her behalf, and just simply accepted the fact that it's her home. Honestly, my credit report clearly shows both my address as well as my mortgage. It's absurd. 

I went from being a XXXX, XXXX, XXXX XXXX XXXXXXXX youth to someone who is about to earn a XXXX XXXX XXXX, has a credit score well beyond the average for my age, was a first-gen home owner at XXXX despite my upbringing, and still my worthiness within the financial marketplace is questioned, in fact my story invalidated, because of something I can not change about myself.
Consumer complaint received 2022-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (CA)

On XXXX I applied for a credit card consolidation loan. ( XXXX XXXX ) This was approved on that date. This loan amount was {$80000.00}. As a part of this process, I took advantage of a favorable interest rate reduction of .25 % by supplying the account numbers for each credit card that was to paid off. This included the credit card number, and card verification code. This was validate real-time by SoFi 's XXXX as shown by an error for one card I'd entered that it claimed was under a different name. ( This error was erroneous, as I believe they included my middle initial for that card. ) Later that day ( XXXX ) I noted that a disbursement of {$12000.00} was made to one of my cards at XXXX, and {$300.00} was deposited to my checking account which is also at XXXX. However, there was a third account at XXXX that did not receive a distribution. I checked the other accounts at other institutions ( XXXX XXXX, XXXX, Bank XXXX XXXX ) to see if they'd received any distributions. They had not. Each subsequent day I continued to log in to each of those financial institutions ' online banking sites to check on the status of a payment. There were none from SoFi. 

I contacted XXXX on XXXX to alert them to what I believed to be a problem. They refused to assist further as it hadn't been 3 business days since the distribution. I pressed them for transaction verification IDs for the XXXX. Either the agent did not have this information, or she refused to provide it to me. I said I'd wait until the 3 business days were met. 

I called again on XXXX as there were still no distributions to the other financial institutions. As I spoke to the agent, he agreed to open a request to check on the disbursement of the funds. He noted that it will take 24 to 48 hours to complete the investigation, and that they would let me know. Meanwhile, I am still accruing interest on the accounts in question AND interest on the SoFi loan that started on XXXX. 

My belief is that it should NEVER require a customer to point out a failed XXXX transfer. Customers do not have the information necessary to investigate failures. ( In particular, originating institution information and XXXX transaction IDs. ) Instead, SoFi should have the technology and processes in place to validate the successful transmissions and either re-transmit or work with the customer ( me in this case ) to correct any issues found. In this particular case, the apathy of the SoFi customer support team is benefiting SoFi ( they still have the funds ) and harming the consumer ( the consumer is now paying two interest accruals ).
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Reason for disputes : There are XXXX past due remarks on all XXXX of the major credit bureaus. 
Date of remarks : XX/XX/2019 - XX/XX/2019 - XX/XX/2019 COAF has reported my account XXXX days late on all 3 major credit bureaus on the above dates. 

XX/XX/2019 payment made through my XXXX Bank account. Funds were denied because COAF attempted to make XXXX withdraws simultaneously without my authorization and the bank denied direct withdraws. Payment attempted again and made. 

XX/XX/2019 and XX/XX/2019 payments made through my XXXX Checking Account were delayed due to a banking error ( see attached letters ) and subsequently with follow-up contact with COAF I was told that I would not be charged late fees NOR would COAF report the activity to the credit bureaus.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (TX)

I have sent over court documents showing that I owe a XXXX balance, several times and the debt collector is refusing to remove this inaccurate information from my report! This matter needs to be addressed, and rectified, as it is causing damage to my credit, and reputation.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently sent out disputes over 30 days ago for a few accounts listed on my credit report. I received notice that this account was verified. I did not receive any supporting documents that I requested. This is my second request asking them to give me more information about this alleged debt. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared to take this issue to court to start a ligation. I have gave XXXX and Equifax over 30 days which they was suppose to verify and 15 days to sent out supported documents as I requested via supported documents in my dispute letter. They are now violated Section 616 & 617.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc. (NY)

i start with this company beyond finance on XXXX XXXX decreased my debt the told not to pay the bill and no contact the person that i owe money the creditors.the never explained that you have to have alot money account to settle XXXX told i graduated and told me to take a loan with above lending for the same amount of money that i owe one the creditors .i was scared nothing was happening my credit score was continue going down.i did the loan and when the got money 2 day later the settle for XXXX percent of XXXX XXXX debt.the other account was only XXXX dollars in debt and i call and ask them to settle and to paid the other settlement what to wait until the XXXX of XXXX.the never told, me before that i have to paid XXXX percent of XXXX XXXX i think this people are scam.i decide tp settle myself the second account because the was not doing anything.i ended with the same amount of debt from the beginning.i have to paid a loan for XXXX with the bank that they choose plus the XXXX .please stop this people from scamming others.the only tell you the make money with a montly fee
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXXXXXX XXXX XXXX - Account XXXX
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (MD)

I was contacted by XXXX XXXX from Bay Area receivables saying that I owed {$1700.00} to my doctor for XXXX. This was 1 year after I received the bill. I told the man that I was sure I had paid it. I told him I would look for payment and call him back. I have perfect credit. Being older it took me awhile but for some reason I could not find the payment. I just knew I had paid it. I called XXXX XXXX back and told him I could not find the payment and paid him the cost of the bill. He wanted me to pay months of interest and he did charge me a filing fee. He said I also owed other bills from 3 years ago which I have not researched but I know were paid. 5 minutes after I got off the phone I found the cancelled check for {$1700.00} and immediately called him back. I sent him a picture of the cancelled check. I asked him to return my money and after 3 weeks he has not. He said I owe fees and late charges and is holding the money. I have not answered to these Charges. Please tell me what I can do. My credit card company refused to cancel saying that the man said that I owed the money.
Consumer complaint received 2022-03-16
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: Westcreek Financial (TX)

I received a notification from my XXXX app about my personal information ( email, Drivers License etc. ) circulating the Dark Web. Naturally, i was prompted in the app to " Lock '' my credit report. I received another notification a couple of days later about a credit account with a West Creek Financial/ XXXX XXXX XXXXXXXX that was added to my XXXX credit report and that's when i understood that the lock I put on only locks fraudulent activity for XXXX and not XXXX or XXXX inquiries. I immediately called the provider of this account on XX/XX/2022 and also sent an email to their address XXXX and was informed that I needed to file a complaint and a report with FTC first and then with XXXX second to get this matter closed and resolved. Hence, why a complaint is now being filed.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I contacted Best Buy XXXX XXXX for a message on my laptop as I have before. The agent requested permission to remote in as I have before to see the issue. Upon remoting in he stated I have an internet breech and he would need to send a system out for 3 days to block dark ware. He then proceeds to log on my account for gift cards to hold the retainer fee that would be refunded. As I later find out, this was done to both my Best Buy account and my Citi card credit card both owned by Citi Bank, The Best Buy was declined for suspected fraud while the credit card processed. I have sent all of the back up information that I have including the phone number used by the agent as well as receipts retained at the XXXX XXXX location showing this was not one of their agents and he fraudulently accessed and purchased on my card. I still have the gift cards that were mailed to me, but he somehow gained access and made purchases. The credit card company continues to deny my claim saying I have not given sufficient information. 
Best Buy customer service does not show anywhere where I purchased cards nor made purchases. This receipt form was found when the manager entered the gift card code to find the XXXX  balance. I also discussed with the credit card company where they can see the transaction was purchased, reversed, then purchased again on the same account.
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (NY)

I reached out to the credit bureau over a month ago and I am yet to receive a response, these items are inaccurate and I demand them to be deleted.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I would like to formally file a complaint against Equifax, Inc regarding the data breach that included my personal information ( SSN, Name, birthdate, address, etc. ). This was not brought to the public 's attention for over 30 days, including those directly affected by the breach. When contacting the phone number for what Equifax refers to as " The Incident '' on X/X/17, I was referred back to the website I previously used to determine ( www.equifaxsecurity2017.com ) that my personal information had likely been compromised & was told that the only option was for me to enroll in Equifax 's credit protection plan ( which in the fine print negates my legal rights to pursue action against the company. )
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

We have a credit card through chase that closed in XX/XX/2012 in the amount of $6,296.45.
The account was sold to XXXX, and they have since been charging interest on the account as if it is still open, but we have documentation from Chase that this account was closed. Since purchasing this account from Chase XXXX has added more than $1000.00 extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra $1000.00 that we do not owe. I have spoken to Chase and this account was sold in XX/XX/2012 and XXXX purchased it in XX/XX/2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to Chase to have them give us all the information. Why are they charging more money when the account has been closed since XX/XX/2012? Documentation from Chase will be provided along with my credit record showing that XXXX is charging on this account still.
Consumer complaint received 2016-01-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CT)

I have checking accounts with Chase and XXXX XXXX XXXX ( XXXX ). I deposited a XXXX check for {$13000.00} with Chase bank on XXXX 2016. Chase received the funds on XXXX XXXX 2016. XXXX XXXX XXXX confirms that Chase took possession of funds on XXXX XXXX 2016. I get a email from Chase fraud unit saying funds will not be available until XXXX XXXX 2016. 
According to Bank regulations Chase should have processed the check within two business days because they are local branches. 
Regulation CC Hold Guidelines Regulation CC availability rules include guidelines for cash and electronic deposits, check deposits from local banks and check deposits from other banks. Funds from in-person cash deposits and electronic deposits must be available to honor a depositor 's personal check no later than the following business day. Check deposits that are drawn on local banks must be available no later than the second business day following the date of deposit. The funds from check deposits that are drawn on a bank that is not local must be available no later than five days after the date of deposit.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (OH)

XXXX XXXX of XXXX New Jersey ( XXXX ) tried improperly billed my insurance. I was a XXXX recipient and had private insurance. XXXX billed XXXX first but was supposed to contact my private, primary insurance. This caused a year long dispute, where they acknowledged their mistake. They billed my primary health insurance and then attempted to get XXXX of New Jersey to pay the remaining balance. Throughout this process I remained consistently communicative. I called their office every time I received a billing notice and explained that they needed to contact XXXX of New Jersey for the remaining balance ( XXXX had my XXXX information ). I called in XX/XX/2021 and was told they would send me another balance notice if XXXX did not pay. Instead they sent this to a collection agency without notifying me. I contacted XXXX of New Jersey who informed me they illegally sent my balance to collections as there is a New Jersey state statute stating that they can not balance bill a XXXX recipient, meaning whatever my primary insurance paid should have been considered " paid in full ''. I notified XXXX  of this on XX/XX/2021 and they told me they would drop the balance to {$0.00} and notify the debt collection agency National Recovery Agency, yet I received a bill from National Recovery Agency, a debt collection company dated XX/XX/2021 that I still owed the remaining balance. XXXX contacted National Recovery Agency on this date and they still attempted to force me to pay a bill I never owed. I called them on XX/XX/XXXX and the woman I spoke tried to convince me that XXXX would not pay a bill that old, when in actuality, it is against New Jersey 's state statute to not balance bill XXXX recipients. On XX/XX/XXXX I contacted XXXX about this notice and they called National Recovery Agency again on the same day. I then contacted National Recovery Agency and the woman I spoke with informed they had no record of XXXX contacting them and that I still owed the remaining balance. After longer discussion ( the conversation was recorded ) her supervisor came on the phone and told me that the balance was {$0.00} and XXXX had closed the account and her employee didn't know because of " lack of training ''.