davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (SC)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (AZ)

Eos-Cca is illegally charging me for collections on an account that has never missed a payment and has always been current. They have called from multiple phone numbers that are unlisted and do not reflect legitimate business. They claim {$210.00} in debt to my Internet service provider XXXX. I have attached a screenshot that shows since my start of service through today I have never missed a payment this is extortion and is a crime.
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

on XXXX/XXXX/2015, Capital One Bank did not report the correct balance on my account. The company claim they report every month, but it still shows that I owe them XXXX dollars, which for XX/XX/XXXX I only owe XXXX dollars, which is my balance. The company is reporting inaccurate data to credit bureaus XXXX. XXXX and XXXX. So I decided to file a compliant.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXXXXXX and Citigroup is restricting the lawful purchase of firearms and equipment and refusing to loan to businesses involved in firearms for their livelihood. They don't have a problem with the guards carrying firearms when it comes to protecting their money and property. 
These banks didn't have a problem taking bailout money from taxpayers that were involved in forearm sales and manufacturing, They didn't care where it came from then as long as they got what they wanted. 
This practice runs counter of our Constitution and Bill of Rights. By implementing this type of fascist policy we can see how easy it would be to slowly erode any purchase of firearms and requirement.

Banks are in the banking business to provide a service to lawful citizens not to implement policies that undermine our Constitutional rights.

What is next? Do banks get to decide what kind of books a person can purchase? Or maybe they only want a person to buy a XXXX instead of a XXXX? 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with XXXX  XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.
Consumer complaint received 2021-11-06
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)

To whom it may concern in this matter. I need your assistance in removing a charge off account that do not belong to me. However, it is reporting on my credit file. 

My name is not XXXX, XXXX, XXXX  My address is not or never been, XXXX XXXX XXXX XXXX XXXX, To XXXX XXXX, XXXX XXXX XXXX , or XXXX XXXX The following items do not belong to me XXXX is reporting on my XXXX & XXXX ; Bal : {$9300.00}
Consumer complaint received 2018-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I maintained an E-Checking account with Bank of America, which is an account without monthly maintenance fees. Without my consent, Bank of America automatically converted this account to a Core Checking account and automatically deducted {$24.00} from my account in monthly maintenance fees ( {$12.00} XX/XX/XXXX and {$12.00} XX/XX/XXXX ). On XX/XX/XXXX I contacted Bank of America XXXX and was transferred to a manager. The manager stated that I " should have been notified '' of the automatic account conversion for all E-Checking accounts to Core Checking account, and therefore would not reimburse the fees, which were deducted without my knowledge. I requested that an official dispute be filed for their company to review, and the manager declined. I requested a ticket number which documented the conversation, and the manager declined.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I have a XXXX XXXX account. On XX/XX/2021, I received a XXXX credit card payment form my customer ( XXXX XXXX XXXX XXXX ) for {$41000.00}. After XXXX deducted their fee for processing the credit card, i was left with {$39000.00}. I deposited 2 transactions into my chase personal account from my XXXX XXXX holding account. 

1. transaction date XX/XX/2021 instant deposit {$27000.00} 2. transaction date XX/XX/2021 for {$10000.00} total XXXX deposited from my XXXX  account and placed into my personal account. 

JP Morgan Chase bank is the bank in question and major issue. The bank place my account on restriction because of suspicious activity. I went into the bank and the Banker ( XXXX XXXX ) explained that this was done because of a business transaction was deposited into a personal account and they needed to verify funds belongs to me. The XXXX is me and my husband XXXX. We submitted all required documents requested and yet the bank decided they were not sufficient documents and place the account into suspension after 10 days. This money is money we work for and our XXXX we own. We don't understand how the bank can take our money after we have verified it belongs to our XXXX.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

In retaliation for me requesting forbearance for my mortgage under the CARES Act, Atlantic Bay Mortgage refuses to comply with the law to offer me a home modification proposal - as I have requested. I am in fear of losing my home because Atlantic Bay has decided to break the law and refuses to offer me a proposal as they are required to lawfully to do. Atlantic Bay may have also lost records of mine, which is a major legal violation.
Consumer complaint received 2019-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've disputed the following accounts due to many facts but more specifically the accounts belong to someone, one inwhom used my identity without my knowledge nor consent. These accounts must not have been properly investigated by the 3 major credit bureaus but yet the 3 major credit bureaus constantly reporting these unauthorized accounts. Either bureau shall relay on electronic verification as proof. Either provide me with physical proven documentation or as my consumer rights I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$570.00} 3 ) XXXX XXXX 4 ) Account XXXX XXXX {$85.00} 5 ) XXXX  XXXX XXXX
Consumer complaint received 2022-04-28
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. (NY)

According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights by reporting a duplicate account. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  # XXXX, has violated my rights.
Consumer complaint received 2019-07-02
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. (TX)

I've disputed the following accounts due to many facts but more specifically the accounts belong to someone, one inwhom used my identity without my knowledge nor consent. These accounts must not have been properly investigated by the 3 major credit bureaus but yet the 3 major credit bureaus constantly reporting these unauthorized accounts. Either bureau shall relay on electronic verification as proof. Either provide me with physical proven documentation or as my consumer rights I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$570.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX {$85.00} 5 ) XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

I currently opened a Chase credit card. Upon reviewing the credit report associated with the above account, I noticed that they have incorrect information listed. For an installment loan on an XXXX account, they show a late payment for the month of XX/XX/30. But the payment was not late, as I was working out an issue with the merchant, as I received defective merchandise, which was all returned leaving a {$0.00} balance. I later received confirmation from XXXX that this would NOT affect my credit negatively and it was resolved in my favor. Please refer to case # XXXX for final resolution. I have also attached screenshots of the information currently showing as delinquent in my Chase account, thereby affecting it negatively. I find this very odd, as I reached out to any credit bureau that had the Affirm installment loan listed as " late '' and from what I saw, any negativity with it was deleted. Not sure why this is showing in my Chase credit card account, and I'm concerned that XXXX, XXXX and XXXX have not omitted this " late '' status, as should have already been completed. Someone is still reporting this account negatively, as it is showing on the Chase card account.
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (TX)

2 parts. 

The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. Originally cmre was attempting to collect 2700+. Now they are saying 700+. The agent struggled trying to explain to me how a 90 % discount from the 2700+ is $ 700+.  At most it should have been {$280.00}. At most. 

The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit by cmre starting in XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days. 

The 2nd hospital stay for the other XXXX was XX/XX/XXXX. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX. 

I would like to have this removed as this is a ball of who shot XXXX. Also remove all personal information from your databases.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX Balance Owed : {$760.00}
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

Chase bank charged me {$95.00} annual fee for my Chase mileageplus explorer credit card on XX/XX/XXXX. And I always keep the card in a good condition without any late payment. However they closed my Chase mileageplus explorer credit card this XX/XX/XXXX without refunding any annual fee. I paid the {$95.00} annual fee for the annual service, but they just provided three months service without any refund.
Consumer complaint received 2019-07-02
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) XXXX. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX/XXXX XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Consumer complaint received 2019-07-02
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: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2019, I stopped by XXXX XXXX XXXX Chrysler, XXXX, XXXX XXXX Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from CHRYSLER CAPITAL, XXXX XXXX XXXX ACCT XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Consumer complaint received 2019-07-02
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: Global Lending Services LLC (TX)

On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX  ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX/XXXX  XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, GLOBAL LENDING SERVICES, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Consumer complaint received 2022-12-14
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. (TX)

1. I never lived at this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  1. I never lived at this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-14
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)

1. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX 1. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-10-20
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 — Their investigation did not fix an error on your report
Company: Collection Receivables, Inc. (GA)

Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES LLC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
PORTFOLIO CAPIT-XXXX
Consumer complaint received 2024-03-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

I came across my old account number that was expired. I called to get a new replacement card. Upon calling I gave ALL of my information for identification purposes. When the customer service representative got back on the line he said I could no longer use net spend services due to a possible fraud hold. I asked what was the exact reason for the hold and asked who do I contact to figure out what the problem was and he couldnt tell me ANYTHING!! I asked how many cards were registered in my name and he said over 20 cards were registered in my name w my social security number. That is a problem that I want looked at. The cards that I registered have a balance on them and I want my funds available to me or a check mailed to me if Im not using there services.
Consumer complaint received 2022-04-28
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. (IL)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''