davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
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: Mar Joe Enterprises (TN)

XXXX XXXX XXXX, aka XXXX, XXXX in XXXX, TN has reported 10 new collection accounts on my credit report. The account ( s ) and amounts are as follows : Account number XXXX Amounts : {$270.00}, {$210.00}, {$210.00}, {$110.00}, {$120.00}, {$160.00}, {$240.00}, {$210.00}, {$110.00}, {$91.00} all to XXXX XXXX XXXX XXXX. 

I have not been to a XXXX XXXX XXXX XXXX facility in over 3 years. 
I became XXXX in XX/XX/XXXX and had XXXX XXXX since XX/XX/XXXX and got full Medicaid/Medicare 1 year later and what is suspicious is all of my accounts with XXXX, XXXX were scheduled to fall off my reports the end of this year, or the first part of XX/XX/XXXX. 

I believe : 1. They have reaged this accounts to keep them on my report longer, as they didn't show up on my credit reports until this month, but they ( XXXX, XXXX ) state they " opened '' the account back in XX/XX/XXXX. 
OR 2. These accounts DON'T belong to me. 
OR 3. I am a victim of fraud/identity theft. 

I want validation of these debts to prove they are mine, but I know they are not.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 I received a call from a number that matched the fraud number for Chase bank that was printed on my debit card. The caller stated that someone in Florida had initiated a XXXX transaction for {$2000.00} that was being transferred to a XXXX XXXX account. They went on to tell me that the only way to cancel this was to send the money back to myself since XXXX was a 3rd party platform. They had me add a contact into my XXXX history, the contact was my name, with a reference number that they gave me. I asked for a supervisor and was transferred to someone who verified this was going on. The person then stated that within 2 hours I would have the money back in my account. I waited and realized that the call was a scam after 3 hours, I called and notified Chase. Initially they credited me back the {$2000.00}, however within weeks they removed the funds and stated that I had sent the money to myself, there is widespread knowledge of this scam ongoing.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NJ)

i have been a cuistomer here a good one for years 2 accounts. no problems til now on XXXX  i treated family and a friend to outback in XXXX XXXX out of XXXX got sick from XXXX XXXX. i did call restaurant although i was travelling and busy. no response. this bank has the audacity to tell me i consumed the food and thus have no recourse. how riidiculous is this. how would i know it would be bad? i have never heard such an excuse before and i have been victim of XXXX XXXX before. 
i want my money back i did call restaurant and email the company no response. i expect 40 out of 53 refunded asap how dare you. this is my jet blue card. in their answers they tell me dispute is closed. any other bank would have fought it and or refunded me. I will not let this go and know its wrong. I am being punished for us getting sick and i wont allow it.
Consumer complaint received 2020-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

The company against which I am complaining, Wakefield & Associates, has failed to send me any kind of debt validation notice with respect to three different accounts which have been assigned to it for collection. I have never received such a notice ; rather, the three items simply appeared on my credit report as adverse collections.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (WI)

I have used the XXXX XXXX to help me get extra cash while I have been caring for my XXXX father, as well as having XXXX XXXX issues that have made me miss work. 

PNC Bank will not let me connect my account to the XXXX app, making it impossible for me to withdraw funds that I need to stay afloat.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

In every attempt to open an account with a bank I am denied due to a bad report from Certegy. And it seems impossible for me to cash a 3 party check. I have obtained a consumer report from them and there are no outstanding Items listed in this report. There are only inquiries from my numerouse attempts to open a checking account to have the benefits that the establishment of checking and savings account ownership comes with. Thanks in advance. XXXX XXXX XXXX.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Evans, Simpson and Associates, Inc. (GA)

I have had a loan with XXXX XXXXXXXX XXXX XXXX since XX/XX/2022 and I have had insurance with XXXX XXXX since I had the loan. On XX/XX/2022 I had a draft to be added to the loan of {$5900.00} for a Loan Advance Insurance payment to a third party company named Evans Simpson and Associates Inc. I have contacted both parties on XX/XX/2022 to provide the proof of Insurance and have confirmed that they both have received the attached documents in order to have this charge removed from my loan. 
Because of this balance increase to my loan my credit score has decreased and I am looking for this error to be satisfied as soon as possible. I will also like for both of these companies to be investigated in order to keep other consumers from being hassled like I was.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

Received a call on XX/XX/XXXX from a company called XXXX XXXX ( XXXX ) XXXX. 
They stated I was being sued over an outstanding debt from US Bank from XXXX to XXXX. I do not recognize this debt and asked them to provide me with copies of the agreements. They told me that they didn't have to provide this information and that I could " tell this to the judge ''.
Consumer complaint received 2020-06-24
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 are multiple accounts that were discharged in my bankruptcy on XX/XX/2020 that are still reporting as late and charged off that need to be immediately and completely deleted from my credit file per applicable bankruptcy laws.
Consumer complaint received 2019-06-05
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: CITIBANK, N.A. (NC)

Issue : There was a fraudulent hard inquiry on my credit report from LL Bean Mastercard and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called XXXX  to inform them of the fraud, they said you need to request a letter from LL Bean Mastercard that it was a fraud and they will remove the inquiry and address. I called LL Bean Mastercard for the fraud, they sent a letter to XXXX to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, XXXX  received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, LL Bean Mastercard sends another letter stating the inquiry should be removed because it was their error, but XXXX   now says, you need to have LL Bean  Mastercard call the XXXX   department to remove the inquiry. I called LLBean and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - XXXX  will not remove the hard inquiry and I am frustrated that XXXX is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.
Consumer complaint received 2021-01-21
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)

XXXX, XXXX, and XXXX are not properly investigating my claims. I have been saying for years XXXX XXXX and Portfolio Recovery were using illegal tactics to recover on a debt. 

XXXX XXXX, held the debt longer than necessary. They held a debt for 3 years. 3 years when they could have sent it after 120 days. 

Instead of 3 months, they waited 3 years to maximize the amount of damage they could do. Portfolio is a willing participant because they acquire POCKETS/PACKAGES of debt in bulk without doing research on each individual account. 

It is absolutely unfair and ridiculous that they were willing to go hand in hand with borderline fraudulent or at least malicious activity. Stop it. Youre better than that.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX XXXX XXXX  Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the deletion of my credit account information will be completed within the XXXX business days specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

RESURGENT CAPITAL SERVICES has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. RESURGENT CAPITAL SERVICES illegally obtained personal and private information. I did not grant RESURGENT CAPITAL SERVICES permissible purpose to obtain the information. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist of any further use of my personal information. 

Provide all information obtained illegally pertaining my personal and sensitive information. 

Provide acknowledgment of this official notification that I am opting out of any contract opportunity with you. Do not make any further attempts to contact me nor coerce me to do any business with you or the entity you are employed with. 

Ignoring this notice will be evidence that the infringements were willing, deceptive, and in violation of consumer privacy. 


TRACKING # XXXX
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (OH)

Discover Card has been statements along with private and confidential information to an address in XXXX ILL that does not exist. Discover card is also reporting this address to the credit bureaus and is seriously impacting my life and my families life.

Discover is committing a federal crime by sending my information to the address in XXXX Ill. How this managed to happen, Discover card will not tell me and they have total disregard for the issue. Discover card says well you opened the card and the debt is valid which is once again, a total disregard for them sending statements to a XXXX address that does not and has not belonged to myself.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX report, I did not made this hard inquary, please help me to remove
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

Navient refused to enter me into a secound income driven repayment plan. They allowed the plan to lapse and then charged my account XXXX in fees that I did not owe. They apologized but refused to reverse the charges. I am forced to wait 30 days to enter into a new program in which Im forced to agree to pay them money I can not afford
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX was the employee I spoke with. This individual stepped out of line and tried to insinuate that because I cancelled payments, despite many payments being made over the course of months and being cleared, they were able to justify putting a 26 day hold on the payment even though the account showed it was cleared a day later. 

I have closed the account on XX/XX/year> because of this conversation. The representative was rude and condescending and instead of de-escalating, made the situation worse. Capital one has the most unprofessional people working for their company. I can no longer use one of their credit cards. I'd be better off going with a higher interest credit card, because at least when you make payments with them, they allow the funds to be released. 

A rep told me a day prior that the available credit would be available at XXXX on XX/XX/year> once the payment cleared. I noticed the available credit was not available after XXXX on XX/XX/year>. This is what prompted me to call and question why. I eventually got this rude and obnoxious " XXXX '' person who was not polite at all.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NJ)

I hired Lexington Law for credit repair. They misled me about their ability to remove a bankruptcy from XXXX. The overcharged me. I did get refunds and they did help one problem. 
I quit on XX/XX/XXXX. 
On XX/XX/XXXX. My identity was stolen for the first time. Credit was applied for in my name at XXXX. 
XX/XX/XXXX I received a text with graphic photos and death threats. 
On XX/XX/XXXX an illigitament XXXX account was discovered. 
My SSI # was found at XXXX XXXX XXXX in XXXX CT. 
On XX/XX/XXXX an attempt was made to open a credit card with XXXX XXXX XXXX.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX  report, I did not made this hard inquary, please help me to remove
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ronald H. Reynolds, Inc. (PA)

Ronald Reynolds is collecting money but stated by his letter the account was recalled by the creditor. He sends some print out sheet that's no more than fraud and has numbers of money received is over {$200.00} dollars per week and some weeks as much as {$270.00} with 3 different amounts running on the same case and nothing but deceptive and XXXX can verify the small amounts he has on some power point created sheet is not any proof as MY XXXX   statements show with nothing but fraud on his part. He can not dispute XXXX amounts. Ronald Reynolds should be investigated and how many other clients been rip off by his accountant methods. He never replies back to any dispute and XXXX can verify proof of his fraud and I have weekly print outs as proof he is no more than the modern day fraud on his part. The other law firm XXXX relied back as to they sent the account back as he was suppose to be there attorney. Ronald Reynolds should be investigated and his accountant methods as to how many people he rip off. He has no morals of no kind. I have also filed with other avenues to investigate him and XXXX XXXX XXXX   I will keep filing on Ronald Reynolds on other agencies on his  practices. he does not reply to disputes or nothing just collecting money he can to survive and mislead and deceptive in many ways. He was not giving XXXX XXXX XXXX the right amount of money and should be bought to attention as nothing but greed and lies.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

I had trouble sending money to my account so I XXXX for cash app later to realize my account was drained and it was not cash app it read as follow Cash App sending limits after verification. 
Once you have verified your Cash App account and successfully increased your limits, it is essential to understand the sending limits that apply to your account. After verification, XXXX ( XXXX ) XXXX Cash App allows you to send up to {$10000.00} per week and {$1000.00} per day.XX/XX/2023 This is a scam posting
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

There is a debt on my credit for {$2400.00} I sent a certified letter to the reporting company, Wakefield and Associates on XX/XX/2022. They received the letter on XX/XX/2022. I requested for them to verify the debt. After 30 days, on XX/XX/2022 I forwarded the letter along with the certified letter receipts showing the company received my request. I requested for the credit bureaus to remove this debt from my credit report as it was never verified to me that it is my debt. 

All 3 credit bureaus replied back that they have verified the debt and will not be removing.
Consumer complaint received 2018-07-06
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. (UT)

Transunion is reporting a name that does not belong to me and i would like it if they would get it off my record the incorrect name on file is XXXX XXXX XXXX and the correct name should be XXXX XXXX XXXX there is a bankruptcy on my credit file that is not mine and i would like it if they did just that.
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Volvo Car Financial Services U.S., LLC (FL)

I leased a XXXX XXXX directly from Volvo which had a purchase option exercisable prior to the end of the lease. I notified Volvo that I intended to purchase the vehicle and asked that they credit my security deposit to the purchase price. They agreed to do this subject to the completion of a form requesting that the deposit be credited. I did everything that Volvo requested and we have followed up six times via their call center and via the messaging center on their website. Our issue at this point is that they never credited the security deposit, they missappropriated payments for purchase as lease payments even though the lease was paid in full, they have failed to issue us the title and finally they owe us in the vicinity of {$1000.00} which they have failed to refund.
Consumer complaint received 2020-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Nelnet changed my monthly payment from {$38.00} to {$460.00} even though I was under Covid forebearance. I stopped Auto debit because of this. The company refused to do a call back to resolve.
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no help.