davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IL)

I am writing to file a formal complaint against Jefferson Capital Systems , LLC Acct : XXXX regarding their violation of federal regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 15 USC 1681s-2 ( 7 ) ( A ). 

On XX/XX/XXXX, I checked my report and noticed an unknown debt from XXXXJefferson Capital Systems , LLC regarding a debt they claimed I owed. Upon reviewing their correspondence, I noticed several discrepancies and potential violations of consumer protection laws. 

Firstly, the collection agency failed to provide me with the required validation notice as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This notice is crucial in informing consumers of their rights to dispute the debt and request verification. However, I did not receive any such notice from Jefferson Capital Systems , LLC, depriving me of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I would like proof that certified mail was sent to the consumer me demanding that information to validate debt. 

Secondly, the communication I received contained inaccurate or misleading information, which violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency misrepresented the amount of the debt and failed to provide a detailed breakdown of the charges, making it impossible for me to verify the validity of the debt.

Furthermore, I believe that Jefferson Capital Systems , LLC may have violated 15 USC 1681s-2 ( 7 ) ( A ) by reporting inaccurate information to the credit reporting agencies. Despite disputing the debt and requesting verification, the collection agency continued to report the debt as valid, which has adversely affected my credit score and financial standing. 

In addition to requesting an investigation into these violations, I am also requesting that all accounts associated with Jefferson Capital Systems , LLC be immediately deleted from my credit report. The inaccurate reporting of this debt is causing significant harm to my creditworthiness, and Emotional state and I urge the Consumer Financial Protection Bureau to take swift action in rectifying this matter. 

I have attempted to resolve this matter directly withJefferson Capital Systems, LLC by disputing the debt and requesting validation, but they have failed to provide adequate responses or rectify the violations outlined above. 

Enclosed with this letter are copies of the correspondence received from Jefferson Capital Systems , LLC, as well as any relevant documentation supporting my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-22
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the XXXX XXXX he had on him due to XXXX into my XXXX  and XXXX  me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am homeless already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NJ)

XX/XX/2021 This company is call tracing and calling everyone involved with me. 

They are not even letting me get into my account and may have sold it off with out reason or notice.

Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. 

People have so many XXXX and XXXX  complaints online. 

They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.
Consumer complaint received 2021-02-26
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: JPMORGAN CHASE & CO. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and JPMCB Auto. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is JPMCB Auto Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is JPMCB Auto Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (WI)

On XX/XX/XXXX, XXXX charged my charge card XXXX for a product I did not order. Upon seeing this charge on my card, I immediately called to contest the charge. XXXX issued a provisional credit the next day. ( XXXX XXXX, XXXX ). Between then and the beginning of XXXX XXXX XXXX would send me notices that the case was still being investigated. In the meantime, I had XXXX other cases of being charged for products or services that I did not order from XXXX different vendors. XXXX from " XXXX XXXX '' for a subscription to their service that I never ordered. The second one was from a company that I purchased a product from and then they tried to add a monthly subscription to their magazine that I did not order. After reporting this to XXXX, I contacted both of these vendors and they reversed their charges and refunded the money to my card. When I was receiving the notices from XXXX that they were still investigating a report I filed they did not specify the specific case. After receiving several notices I called XXXX and asked if the investigation was related to my complaint against " XXXX XXXX '' or " XXXX XXXX XXXX ''. The girl said yes, she thought it was concerning one of those but gave no specifics. I informed her that both of these cases were settled. She said fine. Shortly after that call I saw that the {$100.00} provisional refund from XXXX was reversed. I called and explained that the error was because the girl I talked to at Visa apparently didn't understand that I settled the XXXX disputes with " XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' and had nothing to do with the XXXX charge. I asked them to immediately take the XXXX off my charge account. They said they would investigate it and get back to me. That didn't happen. So far I have made more than XXXX calls to XXXX to complain and all I get is " it is being investigated ''. They even stated in XXXX of the calls that XXXX was not fighting the charge. Last Thursday XX/XX/XXXX an employee for XXXX, told me that a supervisor in that division ( fraud ) would contact me in XXXX working days. That was a lie. I contacted them AGAIN, today XX/XX/XXXX and asked why I was not contacted. They said it could take a week. Now my patience is about gone. I need someone to rectify this as soon as possible. This has dragged out since XXXX and I'm about at the end of my rope. Thank you for your time. XXXX XXXX XXXX.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently received a letter in the mail stating that my business checking account ending in XXXX & XXXX and savings account ending in XXXX will be frozen within 80 days and closed within 95 days. Upon calling the bank and XXXX for bank of america i got no explanation on why my account is being closed.
Consumer complaint received 2017-02-01
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I did an authorized short-sale XX/XX/XXXX with the 1st and 2nd lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Bank of America ( BofA ), the 2nd lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. BofA of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, BofA reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Bof A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. BofA failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I reached out to Wells Fargo in an attempt to refinance a current vehicle loan. After a hard inquiry on my credit, I was informed that I was approved and given my new monthly payment along with APR. I was told to check my mail as I would receive correspondence that way and to continue to make normal payments. After a few months I had not received anything nor did I receive emails or phone calls. On XX/XX/XXXX, I reached out to Wells Fargo to inquire about the delay. The first representative " XXXX '' informed me that Wells Fargo was no longer exercising refinance options for customers and that I should take my business to another financial institution. I asked to be forwarded to a supervisor and upon transfer was hung up on. After calling back, I asked to be transferred to where they were attempting to transfer me to which was the escalation department. After a brief transfer and a long pause, someone answered the phone with the greeting, " hello '' without identifying themselves. I explained my situation and stated my desire to have the hard inquiry removed from my credit since my refinance was not going to be honored. The escalation employee told me that I needed to write someone else within Wells Fargo despite being forwarded to the correct department able to handle my inquiry. The representative seemed to have had the impression that it was my fault that my refinance did not work out despite myself being informed by the previous representative that refinance options ceased on XX/XX/2020, which meant I was only given three days to respond to correspondence I never received. The escalation employee informed me that they attempted to call my cell phone but only got the busy signal. I find that hard to believe as my cell phone is always on me and always on therefore they would have never gotten a busy signal and I do believe this was an error on their part as they have the correct mailing address on file for me.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Remit Corporation (PA)

I received a letter stating I had 30 days to dispute the debt. Before the 30 days was even up, they placed the debt on my credit report. I called to ask if the debt would be removed from my credit report if I paid it in full and they said no! I was unaware I even had this medical bill initially and it was sent to collections before I ever had a chance to pay it. A medical bill for {$99.00} lowered my credit score XXXX points!
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I tried to place a freeze on my Experian report and the website asked me some public record questions for security. I didn't recognize two of them but it said i answered them incorrectly. When i called the Experian contact us phone number ( XXXX ) on the website their system is setup to prevent consumers from reaching customers service. This is very obvious when you try every option and are still unable to reach a representative. Online will not work forme, since they want me to verify the inaccurate information they have on file. Even the IRS has a callback wait list option. Please try to reach them yourself to verify this scenario. I don't understand how they are trusted with such an important task and they have such a poor customer service interface. Now i have no way to correct this inaccurate information. Please help advise me as to who supervises their management of public information.
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX XXXX This account was from XXXX a judgment was rendered XXXX with https : //XXXX there were no interest charges ordered for this debt however, XXXX has been adding monthly interest charges to this account, and reporting to the credit bureau as in an increase in debt with a current balance of {$110000.00} in an effort to continuously adversely affect my credit score each month in an effort to force me to settle with them to stop them from dropping my credit score each month this is extortion. 

Docket Entries : XXXX XX/XX/XXXX CIVIL FILING FEE {$80.00} LOCAL COURT COSTS {$20.00} DEPOSIT WAS PAID OUT AMOUNT {$100.00} ENTRY SENT TO ALL PARTIES. 
XX/XX/XXXX DEFAULT JUDGMENT : FOR PORTFOLIO RECOVERY IN THE AMOUNT OF {$1000.00}. INTEREST FROM XX/XX/XXXX AT THE RATE OF .000 % DEFAULT JUDGMENT : AGAINST XXXX, XXXX IN THE AMOUNT OF {$1000.00}. INTEREST FROM XX/XX/XXXX AT THE RATE OF .000 % DEFAULT ENTRY FILED. JOURNALIZED S/S GLW XX/XX/XXXX HEARING XXXX @ XXXX XXXX - DEF SCHEDULED BY : DE HEARING NOTICE SENT TO ALL PARTIES. 
XX/XX/XXXX MOTION FOR DEFAULT JUDGMENT FILED BY ATTORNEY XXXX XXXX XX/XX/XXXX CERTIFIED GREEN CARD # XXXX XXXX XXXX XXXX XXXX XXXX RETURNED FOR XXXX, XXXX SIGNED BY XXXX XXXX XX/XX/XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX SERVED TO XXXX, XXXX SUMMONS SERVED ON XXXX, XXXX. 
XX/XX/XXXX CASE WAS FILED WITH COURT DEPOSIT - RECEIPT NO. XXXX IN THE AMOUNT OF {$100.00} SUMMONS ISSUED TO XXXX, XXXX BY CERTIFIED MAIL. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX ISSUED XXXX XXXX, XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-04-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I am writing to complain about Navients educational loan unfair tactics used to keep their payees in perpetual debt. I understand there is a class action complaint in process. I would like to learn what I can do about my situation and be included in the class action process as well. 

Some background, in XXXX, my two education loans were consolidated under Sallie Mae at a six percent interest rate and eventually managed by Navient. The original principle amount was ( {$51000.00} ). Over the past twenty years, payments were made totaling {$63000.00}. As of today, XXXX XXXX, my balance is {$40000.00}. Meaning, after making over 160 monthly payments over the past sixteen years of {$63000.00}, the principle on my loans has only reduced by {$10000.00}. Ridiculous!! 

Part of the reasoning that the principle does not decrease very much is most of the monthly payment goes towards the interest. Also, additional interest has been capitalized on top of the balance due to a few periods of time when loan was on deferment or forbearance. There were times I simply did not earn enough money to pay rent, bills, and student loan payments and I fell into a vicious cycle. Sallie Mae or Navient never gave me an option that worked with my income/debt ratio that was realistic. I had to go bankrupt in XXXX due to having too much debt and not enough income. That only resulted in credit card debt being excused, not education loans. 

Over the past few years I have been able to make inflated payments due to increased income. Only then was I able to reduce the principle a little. My efforts should have gone further than a few thousand dollars towards principle. The interest structure on these loans is what is preventing the borrowers from getting to payoff. 

Currently, I am unemployed and afraid of not being able to keep up with the momentum of payoff. I fear that will result in more interest being capitalized and the balance increasing again. 

As it stands today, I will need to make a monthly payment of at least {$460.00} until I am XXXX years old. So, I will have to hold off on retirement or win the lottery or something to get this debt off my back. It wouldnt be so bad if my payments went towards the principle. I honestly think the finance companies should not make the huge profits off of educational loan debt that our system allows for them to. 

I am anxiously waiting to see what President Biden and Congress will pass for our indebted education loan borrowers in perpetual payback, if anything. So far nothing in the works seems to pertain to my situation. 

I am asking for guidance from the CFPB. Can you guide me towards a resolution or direct me towards the current efforts that may improve my situation. Anything would be appreciated. 

I have attached files showing loan history and balance information and a transaction payment list for the life of the loan with Navient.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OH)

On XX/XX/2021 I received a new U.S. Bank ReliaCard, which I did not apply for. I have not activated the card. Unfortunately, I shredded the card without writing down the card number. I do have the sheet of paper that The card was attached to, and it has a bar code above my name and address, plus a 15 digit number : XXXX XXXX XXXX I have tried to reach a person at U.S. Bank but they are not taking calls about their ReliaCard right now. Without the card number I have no way to cancel this card except for not activating it. 

I do not understand how this card could be used fraudulently by whoever initiated a request for it. However, XXXX presents vague information about people trying to get undeserved federal Covid payments. Not knowing what information was used to apply for the card, I am concerned about 'identity theft '.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX  FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.