davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC (TX)

SCOTT & ASSOCIATES continue to harass and come and constantly have individuals come to my home on holidays, nights and multiple visits during the day. This is harassment and I have requested ALL COMMUNICATION BE DONE VIA MAIL. It does not make any sense for someone to come ring my doorbell while and impersonate as if they are delivering a package, I have had individual say they are from the courts only to be given a outdated document stating court for over a year ago. 

I DO NOT WANT ANYONE COMING TO DELIVER ANYTHING FROM THIS COMPANY THAT CAN BE SENT VIA MAIL. This is harassment and I want it to stop. I am gathering videos of each of these encounters that continue to happen after i have requested for it to stop.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/21, I needed to find the value of a motor home. I did a XXXX search and ended up at a website ( XXXX XXXX. The only charge shown on the website for a vehicle search was {$1.00}. So, I entered my credit card number and requested a search history. I received a search history but no receipt for the {$1.00} or any other amount. When I received my credit card statement ( CitXXXX XXXX XXXX XXXX  I noticed a charge for {$1.00} and also a charge for XXXX from XXXX. Both were charges from this website which I had never been to. On that same statement was another charge for XXXX from XXXX ( another site I had never been to and gave no credit card information to ). I called the credit card company and was told the charges were monthly charges. I told the credit card company that these was a fraudulent charges and a fraud case was opened. XXXX submitted paperwork and receipts to the credit card company that I was never sent. Because of this documentation the credit card company found in favor of the merchant and then shared my card ( a new card ) information with the carrecordseach.com so they could continue to charge me XXXX a month. I then made several calls to the credit card company with some agents listening and trying to help, some being less helpful and one just hanging up on me as I was relating my number. I was finally told the XXXX monthly charge was not fraud as I gave them my card number. It was a billing dispute ( apparently they can charge whatever they want and it's not fraud if I give them my number ). As of now the XXXX charge is a disputed charge and the XXXX charge is still looked at as a fraudulent charge and another new card is coming that will not give my number to the merchants. Now the website XXXX gives people the choice of XXXX a month and looks legitimate. In fact, looking at how these sites are rated - both XXXX and XXXX  have good ratings. However, the site I went to XXXX had no rating. My issue here is that this should have been treated as fraud as a merchant should not be able to charge any amount they can once they have your card number. Treating it as a billing dispute sends no message to the merchant that something improper was done.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (CA)

I am an identity theft victim, and I am filing this complaint because of the false information I discovered in my reports. The following things are not associated with me, and neither have I authorized them or received any money, products, or services as a result of identity theft. The Fair Credit Reporting Act, 15 USC Section 1681i, has not been followed by the XXXX, XXXX, and Equifax Credit Bureaus, therefore it is illegal to continue publishing unverified information within the legal time frame without any supporting documentation. I'm asking the credit reporting companies to entirely delete the bogus accounts and information from my credit file in line with Fair Credit Reporting Act section XXXX. The items that are reflecting on my credit reports are listed below : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Additionally, I'm going to ask the credit bureaus to send me copies of any documents with my signature on them that serve as confirmation that the disputed things belong to me. The prompt removal of the disputed items will be greatly appreciated if the Credit Bureaus discover a not-signed agreement. 
that my credit reports are containing :
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (TN)

Reported delinquent on my student loans for several months while I was in deferment in school. They have also submitted a claim to my bankruptcy court for payment and they refuse to take it back because they want my trustee to give them my assets even though I do no have a patent due. This seems very unethical to me
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX. XXXX XXXX Section XXXX A Section XXXX : It also States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer 's reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISMISSED XXXX CHAPTER XXXX  BANKRUPTCY XXXX XXXX XXXXXXXX {$560.00} XXXX XXXX   XXXX {$560.00}
Consumer complaint received 2022-08-25
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. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (VA)

I am filing a complaint for a credit card that I never received and was never sent any statements for. Until I called I did not know the credit card was for XXXX. ( Chase card # XXXX ). When I called and talked to Chase they informed me the charges was {$30.00} a month for a XXXX card which I never received nor used. They do not state anywhe3re when applying for the card of a monthly {$30.00} fee and the fee is nothing. If the card was used to make a purchase I could understand, but {$30.00} a month to have the card is just plain robbery by Amazon. I would like to have it removed if it can, if not then something to show payments were never late since I never received any statements or a credit card from them. For the record after talking to them I paid the card off and closed it.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 my XXXX cell phone number was hacked and transferred to a prepaid phone. My phone number was then used to transfer {$22000.00} from my Wells Fargo checking account to a XXXX XXXX XXXX account. I contacted Wells Fargo fraud department the same day and filed a claim. However Wells Fargo has denied my claim.
Consumer complaint received 2021-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

Hello, I've been having these negative items reporting for a year plus now and Ive been disputing the items. The only response I receive was that it was verified. I want to know who verified it? Also I want letters of validation stating that I owe or borrowed debt from this people.
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (CA)

In XXXX XXXX, I received a collection letter from Collection Bureau of America referencing a past due XXXX XXXX account in the amount of {$350.00}. The letter listed a service address in a city in which I had never lived ( XXXX, CA ), At the time I had been XXXX for 19 months and had not had a XXXX XXXX account since XX/XX/XXXX. I had never heard from XXXX XXXX prior to this, so this was clearly an administrative error or someone else 's account with the same name. I immediately disputed the letter in writing in a letter dated XX/XX/XXXX. In the letter, I pointed out that this was not my debt, explained how it could not be my debt, and requested that they provide me 1 ) the amount of the original debt ; 2 ) the name and address of the creditor to whom the debt is owed ; 3 ) verification of any judgment ; 4 ) proof that they are licensed to collect debt in California, and 5 ) proof of the last payment on the account. 
I received a second collection notice dated XX/XX/XXXX repeating the initial threat of collection, presumably prior to their receiving my letter of dispute. I then received a third letter dated XX/XX/XXXX acknowledging my dispute. At no point did the collection agency provide items XXXX, XXXX, or XXXX as I had requested, and I never heard from them again. 
On a recent XXXX credit report, I noticed that this collection was listed as negative information. It appears that Collections Bureau of America ignored my dispute and proceeded to post this erroneous information to the credit reporting agencies, damaging my credit rating despite the evidence that this was never my debt.
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NM)

XXXX bank is reporting on my credit report I do not or did not have a XXXX credit card or credit card with any company associated with them. I researched it and they state they are reporting due to XXXX but that is not accurate. I request they delete the collections from Midland and ask that they delete any negative credit reporting.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (MI)

I returned a car to XXXX XXXX XXXX in XXXX XX/XX/XXXX. They never grounded the vehicle and the vehicle sat at their facility until XX/XX/XXXX. I filed credit disputes and Hyundai continued to deny the dispute and ding my credit as if I had this vehicle. Ive lost XXXX point on my credit due to this and can not get any credit. 
The car was finally reported as returned ( by the dealership ) but they said it was an abandoned vehicle and DID NOT give the tow company the keys. The tow company came after me to pay the bill and this is the very first time I realized the dealership dropped the ball and I also realized why Hyundai was saying they never had the car. Hyundai finally got the car and sold the lease in XX/XX/XXXX. In XX/XX/XXXX the dealership finally admitted that I returned that car a year ago. By this time I have gone almost a whole year being negatively affected by this incorrect information that Hyundai is reporting on my credit. I have called Hyundai countless times and everytime I call to get this off of my credit as missed/late payments, I get the run around and nothing gets fixed. I have gotten put in the middle of this fiasco and neither company wants to do the right thing and rectify the situation. I need immediate help
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NC)

American Express sent me a bill on XXXX XXXX 2016 for a balance or a minimum payment due on XXXX XXXX 2016, I paid my bill on XXXX XXXX 2016 for XXXX times the minimum payment due, however, i was charged a late fee and received a past due minimum payment for XXXX on the XXXX XXXX, 2016 statement. I phoned American Express and shared my XXXX XXXX payment which was made on XXXX XXXX, 2016 and owed the minimum payment of XXXX for XXXX, but the company applied my payment to the XXXX bill. I was advised that I made my payment too early, that bills had to be paid the the day after the statement date. I do not have this payment rule in any cardholder agreement for payment. I spent 4 hours on the phone being passed from agent to agent and had to pay an errorenous minimum payment and wait for XXXX adjustment. I do not have disclosure needed from American Express about how payments are applied that are received prior to due date or how late payment and interest is applied. The removed the late payment and supposedly noted the account that XXXX was not passed due. I asked to speak to a Manager or a Supervisor, and was put on hold by XXXX different agents for 10 or more minutes for the another person to come on but did not identify themselves as manager or supervisor and repeated the same info. The customer service department is not located in the US and when you call corporate headquarters in XXXX, you are transferred back to XXXX. The written customer complaint is a PO Box # with no name attached to whom to send the written complaint.
Consumer complaint received 2021-12-15
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: JPMORGAN CHASE & CO. (FL)

On my XX/XX/2020 credit card statement, I discovered a DUPLICATE billing from XXXX in the amount of {$140.00}. I, at that, time advised the bank via your on-line procedure that I was disputing this because it was duplicate billing and that only one charge was correct. Shortly after doing that I received a call from XXXX telling me you rejected their charge and they were locked out of my Chase account. When I informed them that I only rejected the fact that they billed me twice they adamantly disputed that fact and said they only billed me once. When I told them there were two charges on my credit card, they indicted that was a Chase error and not theirs. 
Regardless of whose error it was there was a duplicate charge on my credit card. XXXX was going to turn off my service unless I paid them the full mount of the bill and a {$40.00} service charge for a rejected payment by Chase. In order to protect my company 's email service, I immediately authorized them to bill my XXXX XXXX since they could not bill it to Chase again. 
Now comes the problem that is not resolved. I was given a credit by chase for the {$140.00} for the double billing but can not get the second charge refunded to me as it seems someone changed the code in the middle of the process and now feels I owed Chase that money as I only proved I paid the one charge on XXXX XXXX  and the second charge is still valid. 
Chase now refuses to even address the issue because they say it is beyond their time frame for a dispute resolution, even though this has been going on since about 1 week after the two charges were made to my credit card and then not paid to XXXX.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2016-10-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have tried to close my Bank of America account for the past few years with no success. I actually thought it had been closed for over 3 years now, but I just got a letter in the mail informing me that my credit card account was still open, unbeknownst to me.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MN)

I identified 8 transactions to go into US Banks Promotional Feature XXXX 
Shown below are the date the transactions were posted, the amount of each transaction, the date the transaction was paid by me followed by the XXXX Credit and Debit dates to my account of these 8 transactions. 
Trans Date Amount Date Paid by XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 {$1900.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$500.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$250.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$3000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$290.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$1000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$420.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$2400.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 I submitted a complaint to US Bank on XX/XX/2022 regarding their XXXX  program promotional feature. I contend that the transactions in the XXXX program have already been paid for once by me and once by them. Now I believe I am paying for those charges a second time having those amounts transferred into XXXX. 
US Bank has not adequately explained the details of why this is not so. They fail to itemize each and every time the identified transactions have been been charged ( debited ) or paid ( credited ) by myself as well as by them. While they point out THEY credited my account for those transactions in the XX/XX/2022 XXXX they fail to claim the debit THEY put in for those same transactions. 
By the time the XX/XX/2022 statement was issued, all but 2 of the identified transactions had already been paid in full by me and those 2 remaining transactions from the XX/XX/2022 statement were paid on XX/XX/2022. My statements support this, no past due balances have been carried forward. Each statement was paid in full by its due date. 
So, I paid them all off via paying each statement in full in a timely manner, In XXXX US Bank issued a credit for them that was basically cancelled out by the debit they issued and still there is an XXXX balance shown. I feel I am now paying a second time for those transactions reflected in XXXX. 

US Bank replied XX/XX/2022 with a letter and a copy of my XXXX Statement.

Their explanation is confusing. My principle balance as of what date? I repeat, I always pay my balance due in full and do not carry any interest bearing balance forward. 
They do not adequately detail each and every item or change to the XXXX balance. I can only go by what I see on my monthly statements and it does not include much for the XXXX program. It just does not add up to me.
Consumer complaint received 2021-12-14
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: Sezzle Inc. (MI)

I had used a company named Sezzle for purchases and made payments back to this company then I get notification from XXXX XXXX I had a late payment to sezzle I filed a dispute with XXXX. I also emailed Sezzle and provided XXXX my payment history. They took it off my credit report next its reported again so I filed another dispute for XXXX and XXXX they found it was misreported and took it off. I paid off the remainder of the loan. I emailed with Sezzle customer care and they stated someone else used my email and the account belonged to someone else and I asked it be closed> So on XXXX I get a letter from XXXX stating i am 120 days past due and then it shows paid in full. I have never been deliquent on this loan and I also filed a police report I have been an identity theft victim in the past so I think the other persons account may have been reported on my old sezzle account this account is paid in full. I called XXXX on XXXX at XXXX est and filed another dispute on this matter. I am filing a complaint to get this off my credit I always paid this company and then paid it off in full. I try to call Sezzle with no luck and yet again sent another email to them regarding them misreporting on my credit report. I also made another police report.