davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (HI)

Used XXXX XXXX XXXX XXXX  online bill payment service to issue payments to my credit card company. Unfortunately, I selected an old payee from the dropdown list and made two payments to the former card issuing bank, XXXX XXXX XXXX 

Payment Date : XX/XX/19 Payment Amount : {$220.00} Payment Date : XX/XX/19 Payment Amount : {$94.00} The XXXX card portfolio was subsequently sold to Barclays and is where I intended the payment to go. 

I've been in contact with XXXX XXXX XXXX ( multiple times before XX/XX/19, XXXX XXXX ' online banking provider - XXXX ( XX/XX/19 XXXX XXXX ), XXXX XXXX XXXX XXXX XX/XX/19 @ XXXX Hawaii Time, XXXX XXXX ), and Barclays ( XX/XX/19 XXXX Case # XXXX ; XX/XX/19 XXXX XXXX and his manager, XXXX XXXX XX/XX/19 CSR? And her manager XXXX ; XX/XX/19 CSR XXXX ). 

XXXX XXXX XXXX sent payment tracer information to Barclays on XX/XX/19 and XX/XX/19. 

Barclays sent a letter dated XX/XX/19 to say that on XX/XX/19 they issued provisional credit in the amount of {$220.00}. That is incorrect. The credit was posted on XX/XX/19, as shown on my XX/XX/19 statement. I have not received word about the status of that case. 

I received a credit balance refund check on XX/XX/19, that included the provisional credit. 

I received a vague letter from Barclays dated XX/XX/19 saying they received my recent paymnent inquiry and are unable to complete my request at this time. I assumed it was regarding the {$94.00} payment, so I called. The CSR told me they can't find that payment so they can't help me. She said they found the {$220.00} payment and that's why they issued me a check. After I used the term " provisional credit '' and questioned whether they were in violation of Reg E, she recanted and also committed to escalating my compalint to a manager who would call me back within 24 to 48 hours.

I am unable to attach documents at this time but can do so in the future if you provide an email address or a portal where I can upload them.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Late in XXXX ( around XX/XX/XXXX ) I applied for the Citi DoubleCash card because it had a bonus of {$150.00} advertised on a {$500.00} spend. I received my card early in XXXX and over the next three months put well over {$500.00} spend on it. I waited for my bonus, but I did not receive any.

I called Citi to resolve the issue on XX/XX/XXXX, they said they didn't have any bonus on my account. I asked them to look into it, since I definitely remember that offer. They said they would, but they never reached back out to me. 

Attachment : the offer
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I have received the fraudulent, unsigned debt collection letter dated XXXX, XXXX XXXX and XX/XX/XXXX from RESURGENT CAPITAL SERVICES L.P ( reference ID : XXXX ). for LVNV Funding LLC to collect illegal debt from XXXX XXXX from XX/XX/XXXX for the amount of {$1700.00} RESURGENT CAPITAL SERVICES XXXX acquired the account from XXXX XXXX XXXX XXXX ( complaint filed against XXXX XXXX XXXX with CFPB on XX/XX/XXXX, Complaint ID XXXX filed to the CFPB and the case was closed ). RESURGENT CAPITAL SERVICES XXXX and XXXX XXXX XXXX XXXX, both belongs to LVNV Funding LLC are third party debt XXXX, third party interlopers. RESURGENT CAPITAL SERVICES XXXX, XXXX XXXX XXXX XXXX and LVNV Funding LLC are in violation of : 1. The Fair Deb Collection Practices Act, 15 U.S.C. ( Violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 802 ( a ), 803 ( 3 ), ( 4 ), ( 5 ), ( 6 ), & ( F ) et seq., 809 ( b ) ) Violation of the 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organization Act ( RICO ), and 18 U.S.C. 242. 
18 U.S.C. 242 makes it a crime for a person acting under XXXX of any law to willfully deprive a person of a right or privilege protected by the XXXX or laws of the United States of America. To wit : A national Bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires XXXX XXXX  v. XXXX XXXX XXXX. 
2. The federal laws of mail fraud prohibited by 18 U.S.C. 1341 XXXX XXXX and XXXX Organizations XXXX ( XXXX ). 
The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. 
3. XXXX XXXX of fraud. 
4. Pattern of Criminal Activity ( complaint filed against with CFPB on XX/XX/XXXX, Complaint ID XXXX, and now RESURGENT CAPITAL SERVICES XXXX XXXX XXXX from XXXX XXXX XXXX XXXX even that the case was closed ). 

I formally request CFPB order the RESURGENT CAPITAL SERVICES XXXX and XXXX XXXX XXXX XXXX, and LVNV Funding LLC, the third party debt collectors : 1. To cease and desist all communications with me regards to this debt, or any other debts that these two entities allege I owe. 
2. Not transfer to anyone else.

3. No charge off.

4. Any negative remarks made to a credit reference agency should be removed. 
5. RESURGENT CAPITAL SERVICES XXXX, and XXXX XXXX XXXX XXXX, and LVNV Funding LLC, and non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and you implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you CFPB for your help.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

The collecting agent is Fraud, because the Hospital bill have being paid by my insurance. 
I was surprise that he re- enter it into my credit account again in XXXX, XXXX after the total amout have being settle by my insurance. I sent the statement to him, without contacting the hospital, and also lairs to credit union been a lender loan. This is an hospital bill, the company have taking law into there hand in other to collect money from me illegally. 
I do recommend that this company much check for fraud and investigate.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY (NE)

I applied for the American Express Delta Gold Card. The offer they were and still is advertising is, spend one thousand dollars and receive XXXX XXXX bonus sky miles. I have video and screen shots of this offer, both date and time stamped. 

I applied for the card, and upon receiving it and using it, my mother began to tell me she was having issues getting her bonus miles, as she applied under the same offer. 

I called and spoke to a representative, who informed me that the offer advertised was not the offer associated with my card. A couple of days later I called and canceled the card, due to American Express not wanting to uphold their end of the deal in regards to the advertisement. 

I am refusing to make a payment until American Express is fair to me.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credence Resource Management, LLC (PA)

Credence Resources Management a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. XXXX  displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2023-02-23
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$430.00}
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broken the law because these damages are fraud and I am trying to move forward
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I called Chase bank two days ago and they told me they was closing my checking account I have had with them for two In a half years and I have been in good standards with them and I asked why they wouldnt give me a reason and just said they no longer wanted to do business with me now I get my unemployment payments every two weeks direct deposited in my account and they will not let me get my money I contacted unemployment and they said they couldnt reverse it because it was sent to the bank all I want is my money Im behind on bills do to the covid19 this is so unfair and Im one of many they are doing this too
Consumer complaint received 2022-04-06
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. (CA)

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
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. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments  taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX
Consumer complaint received 2018-09-22
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. (OH)

I submitted a dispute with TransUnion credit reporting agency regarding a credit inquiry that was placed on my report by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The inquiry was placed on my report after I initially submitted a dispute directly with XXXX regarding a 90 late that  was reported in XXXX of XXXX. The inquiry was not authorized and the dispute did not give permissible purpose to pull my credit report. I was told after contacting XXXX directly regarding the inquiry that the dispute is what cause the inquiry. I never asked or provided any consent or personal information to warrant the pulling of my credit report. In addition XXXX did not provide proof of me being late 90 days in XX/XX/XXXX. I was in forbearance during this period because my loans were in the process of being consolidated, hence why the account was closed 1 month after I was reported late. This account has been closed since XXXX of XXXX. Which furthermore validates my claim that this inquiry is unauthorized.
Consumer complaint received 2021-02-10
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. (NY)

Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.
Consumer complaint received 2023-02-15
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. (MN)

right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX company is currently reporting a negative listing to the XXXXhree major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate.
Consumer complaint received 2020-07-09
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

In XXXX of XXXX my credit card account ending in XXXX became120 days past due. The months after from XXXX - XXXX of XXXX, the company has reported a missing history to XXXX and XXXX. From XX/XX/XXXX XXXX XXXX the company reported a Charge- off every month, for a total of 28 charge-offs. This fraudulent method of reporting damaged my credit- resulting in me being forced into a settlement agreement to improve my credit. The company has effectively limited my ability to apply for and receive credit by making it appear as a new charge-off was filed each month. Basically, re-aging the charge-off. 

According to IRS, Section166- Deduction for bad debts 26 CFR 1.  166-2 ; Evidence of Worthlessness, after 6 months or 180 days a debt must be charged off. 

The above referenced statue dies not mention the ability to legally, repeatedly charge off an account that many times. They have violated the FCRA, by reporting multiple inaccuracies on a routine basis. I personally believe this is a pattern of bad business conduct by JPMCB and perhaps thousands of customers being affected by this.
Consumer complaint received 2023-03-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CO)

I have private loans with XXXX XXXX, but am still currently XXXX  and taking XXXX classes to finish my XXXX I work as a XXXX XXXX XXXX, so it is hard for me to make payments while still in school. XXXX XXXX has told me that my loans have been deferred, but then still demand payments each month. I have talked with them multiple times over the phone and they told me my loans would be deferred since I am still in XXXX
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The List of inquiries reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above 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.