davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I sent my legal tender of payment to Chase. They accept the legal tender of payment since they haven't sent it back ( UCC4-302 ). They blocked me from using the cards, a natural person from using he's credit. Committing identity fraud as they claim they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a natural Person. With my signature being on the promissory note ; and the only signature on it. Chase is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit ( 15USC 1602J ). This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

Account is being targeted in multiple ways. 
Double interest charges on account! 
Denial of credit for disputed charges of non service/merchandise! 
Reduction in credit limit! 
Denial of COVID related assistance on account. 

Since changing cards ( switched credit cards within company to reduce annual fee ), credit card company continues to intentionally discriminate, apply unethical and dishonest business practice to account. All to intentionally squeeze more money out of account. 

XX/XX/XXXX no communication, credit limit decreased on good standing account XX/XX/XXXX charge for services cancelled XX/XX/XXXX double charges of interest in billing cycle
Consumer complaint received 2019-05-22
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)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WA)

On   XXXX   XXXX  , 2017 I paid my collection to   XXXX   XXXX   XXXX   for a debt owed to   XXXX   XXXX   XXXX   in the amount of {$350.00}. In the last two months I have been recieving phone calls from Diversified Consultants from a North Carolina number ( each time a new number but always from NC ). I have informed them multiple times that I have already paid this debt to another agency. I even called the agency and  XXXX  and verfied that it was paid and the debt is no longer owed. Today (   XXXX   XXXX  , 2017 ) I recieved another phone call and the gentleman began to have an attitude/nasty with me when I informed them once again that I did not owe and I would not be paying them. I do not owe this debt and I would REALLY like to stop recieving phone calls early in the morning from them. They call me at least 4 out of 7 days in a week. Enough is enough.
Consumer complaint received 2017-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

No knowledge of XXXX XXXX card dated XX/XX/XXXX-XX/XX/XXXX, XXXX.. Have contacted to be removed due to no knowledge. Still no proof provided and still no removal.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax stated that my credit report, along with millions of others, was compromised due to a breach in their security platform. This has put my personal credit history and financial security at risk.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

This is my second complaint against the following companies. 

Resurgent Capital Services L.P. ( " Resurgent '' ) and LVNV Funding LLC ( " LVNV '' ) are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character.

1692f ( 1 ) prohibits debt collectors from making any attempts to collect on a debt unless expressed in the original agreement. The credit card statements, credit card agreement, and the chain of custody documents are all general. The company does not possess any account-level documents that would identify me as the debtor. They admitted this in their attached response. Please note that this Account is not specifically referenced in the attached chain of assignment. See Exhibit A CFPB Complaint Response The documents attached to the response do not address the accuracy of the documents. Many debt collectors have purchase agreements from original creditors that admit to their files not being accurate. In order to provide proof of claim you must show account-level documents that identify me as the debtor. 

Resurgent and LVNV are attempting to collect an alleged debt in the amount of {$690.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time.

To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account ending in 8079. In the event that Resurgent and LVNV do not have the documentary evidence I demand they immediately cease collection, XXXX out the account and delete the debt from my consumer report. Failure to comply may result in legal action.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (GA)

I am XXXX XXXX, a federally protected consumer and I am making another complaint against Credit Control LLC regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, or XXXX XXXX XXXX gets involved and types a computer-generated letter to " verify '' this alleged debt which continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Credit Control LLC any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with Credit Control LLC and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX  XXXX XXXX, CREDIT CONTROL LLC and myself, giving Credit Control LLC any right to collect on this alleged debt. It is my belief that Credit Control LLC is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.
Consumer complaint received 2020-09-17
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: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2020 - I was alerted through XXXX XXXX that AWA collections added a derogatory account. Upon further investigation- this account was sold and transferred. A bill without a written signature does NOT validate a debt. Per FCRA, AWA violated my rights.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I open a secure credit card with my bank, and they tell me that in 11 months if i pay ontime, and user the card o basic, in 11 months i will a credit encrease and my deposit wil refunde to me, with interes, that i will have a unsecure card for the good use of the secure creditcard, so i contact the bank todady to find when i will get the desposit back and whn my creditcard will have a credit limit encrease, and this is what the bank tell me : XXXX XXXX XXXX on the chat with the bank : XX/XX/18 XXXX XXXX   XXXX XXXX. 
Dear XXXX : This is disclosed in the Deposit Agreement. We regret if you were provided with incorrect information. We upgrade secured accounts to unsecured accounts through an automated process. You do not need to do anything on your part. You will be notified by mail if your secured account is upgraded to an unsecured account. If you have any further questions, please do not hesitate to contact us at XXXX or send us an email. Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/18 XXXX XXXX  XXXX XXXX XXXX Your deposit has been placed into a reserve savings account where it will stay until you close the account, or the account is upgraded to an unsecured credit card. " '' '' I know this, when i open the account the bank tell me, that after 11 months the money will wil be send back to me or i will be unsecured credit card. They never tell me my deposit will been placed into a reserve savings account. 

XX/XX/18 XXXX XXXX XXXX XXXX. 
Dear XXXX : Thank you for contacting XXXX XXXX. Your deposit has been placed into a reserve savings account where it will stay until you close the account, or the account is upgraded to an unsecured credit card. You can request a credit limit increase and add to your deposit online. After you have logged into the account, click on the credit limit increase request link. Please fill out the form, and submit it online. You will need to provide requested credit limit and deposit amount, as well as the funding account information including bank routing number, bank account number and account type. It takes 7-10 days to see the increased limit in approved cases. If you need further assistance, please contact us at XXXX or send us an email.Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/18 XXXX XXXX  XXXX XXXX XXXX When i can ask for refund deposit or credit increase base on terms of the account. Thanks
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NV)

On XX/XX/XXXX, Midland contacted me even though I have told them prior I owe no money. The first person did not identify himself at all. He just said my name, and I said yes, who is this? He then said I had a phone call and transferred me to someone else who again did not identify themselves for over a minute as being a debt collector.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions. (CA)

FBCS collection company sent me a collection notice and claim i owe {$810.00} to XXXX XXXX XXXX. I was able to get them both on the phone and verified that i do not owe any money to them and they never had a patient with my name. I sent letter to FBCS asking for a bill and so far they refused to produce verification of the debt. In the mean time im sick and tired of the letter and phone calls. please have them stop and produce proof. They are obviously breaking the law and harrassing me and my family.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently review my credit report and I contacted Experian so I can remove an inaccurate address which I have never lived at. Experian has refused to move the address. I would like the address Deleted from my report. I have never lived there. The address is XXXX XXXX XXXX, TN XXXX.
Consumer complaint received 2020-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (CA)

AXCESS FINANCIAL is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I transferred {$29000.00} from my XXXX XXXX  checking account on XXXX XXXX to Toyota XXXX XXXX XXXX. I have had a financial account with Toyota XXXX XXXX XXXX for several years. They received the funds and were even paying me interest on that money. On XXXX XXXX they decided to transfer those {$29000.00} funds back to my XXXX XXXX  checking account without my knowledge or permission. Those {$29000.00} funds never made it to my XXXX XXXX  account and Toyota XXXX XXXX XXXX claim that they do not have the funds. So as of XXXX XXXX the whereabouts of my {$29000.00} funds are completely unknown. Toyota XXXX XXXX Notes were the last financial institution to have my money. I believe that they violated the " Electronic Fund Transfer Act " when they supposedly attempted to move my money without instruction from the owner ( myself ). I have had several conversations with management at Toyota XXXX XXXX XXXX and they seem to have brushed me off about the entire topic of these lost funds. The trace numbers for the transaction they have provide to me make no sense to XXXX XXXX  were the funds were supposedly returned.
Consumer complaint received 2017-08-05
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 — Problem with personal statement of dispute
Company: Celentano, Stadtmauer & Walentowicz, LLP (NJ)

Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX XXXX in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is Celentano, Stadtmauer and Walentowicz, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks XXXX
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (TX)

Gave an offer of 5 % which was started a few weeks ago and finished up recently. Prior to applying, they did not advise It had expired nor updated the rate online in the application. Once I sent income verification, they counter offered to a rate that was nearly double the original offer. I was told that It didnt have anything to do with my credit or income, only the fact that the offer had expired. I wouldnt have applied if they had mentioned the new rate and they refuse to honor the original terms. This is clearly a bait and switch tactic.
Consumer complaint received 2018-04-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I initiated a dispute with Transunion regarding the reporting of a bankruptcy on my credit file. The dispute was submitted on XX/XX/2018 and I was notified that it had to be processed manually. I have yet to receive any follow up within the 30 day window for this dispute. I understand that it may take additonal time and waited until the 45 day mark. It is a few days away from the 60 day mark which is unacceptable. Transunion should be very well aware how costly inaccurate items on consumer credit reports can be. I have attached the confirmation page I received from submitting the dispute on XX/XX/2018.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/2023 I received a bank statement in the mail that I had no acknowledge that were opened. I contacted Suncoast Credit Union XX/XX/2023 about the bank statement I received. I spoke with a gentleman that made me feel like it's my fault that someone had opened an account in my name. When I tried to explain the situation his answer to me that I had to give someone my information in order for an account to be opened in my name. I were promised that day I would be receiving a packet in the mail to get this resolved. I want to make a police report in my county about this situation. On XX/XX/XXXX I received an call from the detective asking me if I still wanted to make that report and had I received the information from the bank. Immediately after that call I called the bank again wanted to know why I havent gotten the packet in the mail. I explained I'm in XXXX, FL there is not a bank in this area and were told that someone opened this account online. Like I told her I know that they can track that computer IP address in where this account were open to know that this account were opened fraudulently. I were told I had to send this packet back. I asked for an supervisor to call me because at this point I've been trying to get this bank to send me this packet. I just received another letter in the mail dated XX/XX/XXXX that my account were overdrawn for more than 60 days and I need to make payment. This bank have known that this account was fraudulent since XX/XX/XXXX and still trying to make this mine when they have already been advised that the account is not my account.
Consumer complaint received 2021-03-25
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. (IA)

XXXX and equifax have kept this negative nasty collection/closed account but have changed the status just to hide it on my credit report. XXXX had deleted the collection account for some months now. I request a swift deletion from the other two bureaus as experian also is showing it as a charge off and equifax shows it as a closed account which is innacurate and needs to be deleted.
Consumer complaint received 2017-08-05
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: AMERICAN EXPRESS COMPANY (GA)

In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 fraudulent charges were made on an authorized users Amex Platinum Business Account. Within 30 days, I the account owner reported the charges as fraud per the authorized user 's report that the card was lost and the charges were not valid. In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 I, the account owner, reported fraudulent charges based on the report that the authorized user never received the card in the mail. On XX/XX/XXXX Amex contacted me and stated that the charges did not look like fraud and that they needed a police report from the authorized user. I told the rep that I am the account owner and I will provide a police report that the charges are fraudulent. The rep said that was unacceptable and that the authorized user needed to provide a police report. I informed the rep that the authorized user was no longer asscociated with the business so it is not possible to compel the former authorized user to file a police report. Under the Fair Credit Billing Act my maximum liability is {$50.00}, but Amex is telling me that I am responsible for {$8600.00} in fraudulent charges that were promptly reported as fraud.