davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

I received a vmaill message on XX/XX/2018 stating " Uh yes, Good Morning XXXX XXXX my name is XXXX contacting you from the office of Midland. I just received an email from one of our compliance officers stating that you are refusing to sign for your documents. If you could please contact the office and we can discuss the paperwork at XXXX ummm XXXX XXXX if I dont receive your phone call today, you leave me no other choice we will be submitting a plea of willful evasion against your name and social security number to the county first thing tomorrow morning, again XXXX thank you '' There is no name on my vmail so how do you know you are leaving a message on the correct phone # XXXX you are calling and making threats.
Consumer complaint received 2019-06-09
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. (CA)

I paid off the balance of {$52.00} on my ( Mileage Plus United/www.chase.com/united ) account on XX/XX/2019. I made the payment over the phone and my paying bank is also a Chase account. A few weeks later I kept receiving bills saying that I owed more money ( the late fees were 125 % of the balance ). My bank account has sufficient funds and I make electronic payments with this account on a monthly basis. 

I called Chase XXXX ( XXXX ) and they were rude and unhelpful. They offered to accept payment again but for the higher amount of {$170.00}. I haven't made a charge on that card in years and it's unfair and predatory that they would require that I pay three times the amount that I paid off in the first transaction. It also seems strange that a major corporation would claim that a standard bank-to-bank electronic transaction was not completed, especially when both entities are Chase banks.
Consumer complaint received 2018-04-05
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: Experian Information Solutions Inc. (CA)

Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late? 
Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX XXXX # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from my credit report
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The credit company XXXX XXXX requested a copy of my credit report without my permission. The request was made XX/XX/18 without first contacting me and requesting my authorization.
Consumer complaint received 2018-07-25
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. (MS)

I contacted Equifax because of the Unauthorized student loans that were showing up on my credit report. Which I sent them proof of identity theft, meaning all identifiers like SSN copy, A utility bill with my current address, a police report with my name address and birthdate on it, and other verifiers. However I received a message saying that they can not properly investigate because it is a third-party issue however I called consumer finance and was told that they could not identify me in their system. Which makes no sense I feel they are deliberately avoiding investigating my complaint and disputes. I am not being treated fairly.
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. ()

I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXXthrough today ( XX/XX/XXXX). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails,XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (TX)

In XX/XX/XXXX I purchased a service from XXXX with an automatic renewal three  years later - XX/XX/XXXX. The purchase in XX/XX/XXXX was charged to my XXXX XXXX XXXX. I cancelled the XXXX XXXX XXXX in writing in XX/XX/XXXX. I stopped using XXXX some short time after the renewal and forgot about it. In XX/XX/XXXX I received a bill for {$170.00} for a renewal of XXXX from XXXX XXXX. This was the first bill I had received from XXXX XXXX since I closed the card. 

I called the dispute department at XXXX XXXX and found out that my account had been left open because the terms of the agreement with XXXX were for an automatic renewal. I have spoken to XXXX and they may refund my money. I am writing this complaint to you because : 1. I do n't think that companies should allow charges to be made to credit cards that have been closed.

2. I think that companies who have automatic renewals directed to a credit card that has been closed should be obligated to get a new open credit card from the consumer before any charges can be made. 

The scenario that I have discribed above could go on and on. The customer could discontinue use of a service, move, never receive the bill from the closed credit card and accumulate charges that are unfair.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (SC)

I previously opened a Target Red credit Card Account with Target in 2012, I paid off my Target Red credit card account ending in XXXX, Target Bill my account {$650.00} in fraudulent late fees. 

Furthermore Target used unfair and deceptive business practices. I have disputed the billing issues numerous times on XXXX and Target responses to XXXX  were The information is correct : default
Consumer complaint received 2018-07-25
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: Experian Information Solutions Inc. (GA)

There is no contract ; account was settled with original creditor, yet remains on my report ... grave error XXXX XXXX XXXX XXXX XXXX-XX/XX/2017 {$31.00} ( You have NOT provided me a copy of ANY original documentation required under Section 609a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2017-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Debit Card Transactions on my account that are not locatable via any company name were reported to Chase Bank on XX/XX/XXXX by internal email on my account. The same day, another withdrawal was made. I contacted Chase after receiving an email with a claim number XXXX on XX/XX/XXXX. When I spoke to the customer service representative on XX/XX/XXXX, they were not interested in the initial deposit and withdrawal both for nominal amounts of {$2.00} that were processed and approved by Chase Bank. Even though I submitted the complaint on XX/XX/XXXX, they still processed the XXXX XXXX transaction on the same day. 
Following is the list of transactions. I have attached the reply following the phone conversation on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Debit card transaction {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00} ; XX/XX/XXXX XXXX *XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2.00} XXXX XXXX XXXX XX/XX/XXXX, {$2.00}
Consumer complaint received 2018-07-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed this account entry with both the credit bureaus and Portfolio Recovery Associates alike. In XX/XX/XXXX, I noticed that Portfolio Recovery Associates had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my dispute to Portfolio Recovery Associates in my letters dated XX/XX/XXXX and XX/XX/XXXX. To date, Portfolio Recovery Associates has not responded with documentation that bore my original signature, correct address, or ledger of accounting history to justify this amount for this entry. This alleged debt lacks veracity as well because the correspondence states an amount that differs from the amount reporting. See attached documentation. 

It is evident that Portfolio Recovery Associates is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entry. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (CT)

I purchased a bed at XXXX XXXX XXXX on XX/XX/2017 using their in-store credit card which is managed by TD Bank. The initial amount was {$2500.00}. As I understood it, there was a 0 % interest rate promotion for 12 months. I paid off {$1600.00} over the next 12 months, leaving a balance of {$900.00} at the end of XX/XX/XXXX. In my XX/XX/XXXX statement I was charged {$480.00} in accrued interest. I was not aware that interest was accruing ; this is the first time I have ever seen anything like this ; every other promotional offer I've seen has a zero ( or low ) interest rate for a period of time and then interest starts to be charged once the promotional period ends. Had I known, I would have paid this off in full over the 12 month period. I find this approach very misleading ; now when I go back and look at the statements, I can see in the small print language about deferred interest but as I paid this card online every month, I never saw it. I think either XXXX XXXX  XXXX or TD Bank are taking advantage of customers with finance approaches like this.
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (OH)

This is a very old bill from XXXX XXXX and had already been removed from my credit report approximately 2 years ago. The bill apparently was sold to another collection agency who then reported it as a brand new collection, which it is not. I never received notification that they were still trying to collect on such an old bill.
Consumer complaint received 2018-07-25
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: Bread Financial Holdings, Inc. (TX)

I have disputed this account entry with both the credit bureaus and XXXX XXXX XXXX as they are reporting this as XXXX XXXX on my XXXX report. In XX/XX/XXXX, I noticed that XXXX XXXX ( XXXX XXXX XXXX ) had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my entry to XXXX XXXX XXXX addressed as XXXX XXXX in my letter dated XX/XX/XXXX and XX/XX/XXXX since this is the reporting that XXXX  is doing. This is inaccurate and misleading. XXXX should be reporting as the reporting agency. To date, I have not received any correspondence from XXXX XXXX regarding my dispute. See attached documentation that reflects the company indeed received my dispute, yet failed to respond. 

XXXX XXXX XXXX ( XXXX XXXX ) reports no payment history on my report, which is yet another inaccuracy. If an account was opened and they are stating it is a collection account, it should have payment history. VIOLATION AND I WANT THIS ENTRY DELETED IMMEDIATELY!! THERE IS NO VERACITY IN THE INACCURATE REPORTING OF THIS ENTRY!! 

It is evident that XXXX XXXX XXXX ( XXXX XXXX ) is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entries. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (NY)

I am facing financial harassment and severe damage to my credit due to actions by the XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, regarding an alleged debt from XX/XX/XXXX. They are deliberately communicating with credit reporting agencies to harm my credit, which is negatively impacting my low-income family 's ability to thrive, particularly as a XXXX individual. 

It's important to note that federal laws, including the XXXX XXXX XXXXXXXX XXXX and the XXXX XXXX, provide protections for qualified individuals with XXXX. In addition, under New York law, the statute of limitations for consumer debt is 3 years. This means that creditors or debt collectors have a maximum of 3 years to attempt to collect on an unpaid debt or initiate legal action. Once this time period has lapsed, the debt is considered time-barred. 

The New York Consumer Credit Fairness Act ( CCFA ), which came into effect on XX/XX/XXXX, governs such limitations. It applies to both original creditors like credit card companies and debt collectors. Amendments to the New York Civil Practice Laws reinforce these regulations. Importantly, once the statute of limitations has expired, it can not be reinstated or extended, even if payments are made or acknowledgment of the debt is provided. 

For debt buyers and collection agencies to pursue legal action, they must demonstrate ownership of the debt and the right to sue for its collection. This entails providing a complete chain of custody for the debt, even if it has been transferred through multiple entities. Failure to prove ownership will result in the dismissal of the case. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my horrific experience.
Consumer complaint received 2022-04-01
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: Colony Brands, Inc. (VA)

on my credit report there is an account that is still showing on my credit file that was opened by now ex- husband and the company will not remove it from my credit file ' and the account is over 10 years old
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NJ)

XX/XX/2020 I mad a settlement for {$700.00} from the balance of {$4400.00} a special off from. westlake financial in retun they will close the account they did not close the accounts and I can claim the balance at the end to IRS
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NJ)

On XX/XX/XXXX, we became aware that our credit report reflected a debt owed to ONLINE IN SV in the amount of {$180.00}. We had never heard of this company and had received no communication. 

On XX/XX/XXXX, my husband called to request the information. He was told that the bill had been sent to the house and not returned, and they would not send another copy. He question how he was supposed to settle the debt without the information, and the agent ( XXXX ) offered to take his credit card information over the phone. This, of course, is not advisable since we have nothing in writing. In addition, my husband wanted information in writing because we believe that the medical bill was never properly filed with our insurance company to begin with, and that should be how this debt is settled. 

On XX/XX/XXXX, I verified that this had never been properly filed with our insurance company. I called ONLINE IN SV, questioning this refusal by the company. I was also told that, per company policy, since the information had been sent, that they would not send another copy. I questioned how we were supposed to settle the debt without any information. I was told that this is their company policy. I informed them of my intent to file a complaint with the Federal Trade commission and at this point he offered me a " validation of charges. '' I questioned why this " validation of charges '' was not offered to my husband and he said that my husband had not asked for it. I said I had not asked for it either. He said that it was only because I was so " adamant '' ( his word ) that I was being offered it. Yes, I'm adamant, because there is simply no way for us to settle a debt without information. I again reiterated my intent to file a complaint. I hung up the phone and searched for more information on the company, which took some time because they have a purposefully generic name. I called back and informed an assistant manager that it is my belief that their refusal to furnish the charges puts them OUT OF COMPLIANCE. They claim that they sent one copy, but I never received it, so I do not believe that they did. If they did, why would they refuse to send a copy?
Consumer complaint received 2022-04-26
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. (MI)

MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TO GET CARS, AND GOODS IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRES RESULTED FROM FRAUDULENT ATTEMPTS TO OBTAIN CREDIT IN MY NAME PLEASE REMOVE.
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

I filed a compliant with the CFPB regarding Synchrony Bank years ago and due to reasons such as my situaion and what the process server did to me - Corp Office Synchrony XXXX said Synchrony Bank was dismissing the court case and not going after me for the money and I have a listing of the cae dismissed in XXXX in court. You have reocrd of this at CFPB. I now live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX The post office gave me the letter in my mail box despite my old address XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX I resided in XXXX XXXXXXXX, CA. 18 years and move to XXXX XXXX Hud filed complaints against owenr it did not work out after owner signed mediation agreement. I was ripped off by two attonrey and had no place to move to and live. It took me a year to find this place. I am XXXX and XXXX. I do not need this. I was told it would be on my credit report for a few years and I would not have to pay any taxes and the case was dropped. Now, XXXX XX/XX/XXXX I receive a 1009-c for Irs. I am idigent and was cheated out of social security that I worked and paid into and still suffer with poverty SSI XXXX. I do no file taxes. This appears to be intentional harassment as I have report isseus to the OIG of what I have been put through. It was XXXX at Synchrony Corp. I paid for years they made a bundle in internest and they made the choice to dismiss the matter as I described. Can you please help me. This is upsetting me and making my entire situation worse health also. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (FL)

I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.