davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MT)

On XX/XX/XXXX I got notified by XXXX that I had authorized XXXX hotel room rentals and a car rental in Texas using my account. I was not in Texas ( I live in XXXX ) nor had I planned travel to Texas. I contacted XXXX immediately and was told that because it was prepaid ( about an hour before I called them ), there was nothing I could do, even if it was not authorized. I called the hotel and they refunded the money back to XXXX, but XXXX would not do anything about it. 

After XXXX, I called Chase, my bank holder that holds the debit card account that was charged. I advised them of the fraudulent charges ( XXXX total ) and filed a claim. They closed the debit card and issued a new one, and they credited the account while they " investigated ''. Today ( XX/XX/XXXX ) I got notified that Chase did not find fraud and was removing the credits paid. I called Chase and was told that based off XXXX 's statements, the transaction was authorized. 

The name on the room rentals and car rentals were not mine, nor was the phone number used for the room. The only thing connected to me was the fact that my XXXX account was used due to it being hacked. I changed the XXXX password and removed all my banking information while I was on hold with XXXX the day it happened. 

As of today, XX/XX/XXXX, Chase is refusing to review this any deeper or allowing me to speak to a supervisor to address this issue further. Even though I have already talked with XXXX, Chase is requiring that I take up my concern with my XXXX again. I have asked for them to send me all documents they used to make the determination that I was authorized this transaction. 

The information below is what was used to book the car and rooms at XXXX : XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX, TX XXXX Renter - XXXX XXXX Car Type : XXXX XXXX  or similar Make / model not guaranteed {$61.00} charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, United States XXXX XXXX : Room XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
Reservation Name : XXXX XXXX, XXXX Adult ( s ) Hotel confirmation number : Room XXXX : XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, United States Room Type : Room XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Reservation Name : XXXX XXXX, XXXX XXXX ( s ) Hotel confirmation number : Room XXXX : XXXX {$150.00}
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

My original student loan was for {$73000.00}. I received a Borrower Defense to Repayment in the amount of {$50000.00} that was applied to my original loan. Nelnet ( the student loan provider ) told me they disbursed for {$55000.00} onXX/XX/22. I wasn't in school in 2022 and never received any loan from them. I have been to contact them to confirm why I still owe & XXXX when $ XXXX was applied to the original outstanding balance.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

On Thursday XX/XX/XXXX I went to a local chase bank on XXXX XXXX XXXX, XXXX, TX XXXX. I asked on of the banker if it was okay to deposit a third party check that belong to my cousin due tho his id being stolen. The banker told me there would be no issue and I continued to deposit it. A couple day later they restricted my account. They said my cousin had to verify his identity With phone number. For some reason their systems were not up to date. They told me his name was not appearing under the phone number. He called XXXX and they told him that his number was registered under his name and cleared any previous owners. They said it still wasnt showing up. After going back and forth with them now they said its no longer his number they need to verify check. We have went to the bank in person me and the person the check was made out both with 2 forms of id and they said there is nothing they can. They have been giving me the run around with every representative telling me something different. Now they are telling me they might close my account. The check was a tax refund check from refund advantage.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TX)

Securiry fianance I have a loan with I have brought up to them how I lost my job due to covid.. we have spoken and called and they have stated before from employee to manager and supervisor they will not let my account go negative and they agreed to remove inquiry and account but failed to do so. They have failed to correct the issue
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

On XXXX a purchase ( XXXX ) made using Ann Taylor Credit Card was made. On XX/XX/XXXX a return was made that refunded most of the cost ( XXXX ). On XX/XX/XXXX a payment was made of ( XXXX ). On {$29.00} dollar balance, I have received {$100.00} dollars in fees as of XX/XX/XXXX. when contacting the CC, I have received multiple push back on refunding some of the fee cost. as of XX/XX/XXXX, I have paid {$50.00} and only received {$40.00} in returned fees. the amount of fees being charged is excessive and the level of customer service is mediocre. I even got a rude and unprofessional comments from XXXX one of the banks customer service personal.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am disputing a very old debt with Portfolio Recovery Associates. I have sent them letters via certified and regular mail to state my intention to dispute the debt and also request documentation to support their claims that I owe this debt. This item was disputed with the credit card bureaus and removed from my credit report years ago because the debt could not be validated. This debt is from 2016, so I don't even know if its within the statute of limitations. Now, this company is taking legal action and trying to garnish my wages, but has failed to prove that the debt is legitimately mine.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (RI)

Consumer Financial Protection Bureau Re : Complaint Regarding Debt Collection by Midland Credit Management , Inc . 


I am writing to file a formal complaint against Midland Credit Management , Inc. for their egregious and unfair debt collection practices, which I believe are in violation of established consumer protection regulations. 

On XX/XX/, I received correspondence from Midland Credit Management , Inc. regarding account number XXXX, which purportedly represents a debt owed of {$890.00} dollars, debt they acquire from XXXX XXXX XXXX  The letter not only demanded payment but also imposed an unreasonably short deadline for response or remittance, expiring on XX/XX/2024. This brief timeframe afforded me insufficient opportunity to verify the legitimacy of the debt and the authority of Midland Credit Management , Inc. to collect it. 

Furthermore, the correspondence included language intimating the potential escalation of the matter to legal channels if payment or response was not received within the specified timeframe. Such coercive tactics create an atmosphere of intimidation and violate established guidelines governing fair debt collection practices. 

As a conscientious consumer, I am entitled to verify and dispute debts before being subjected to legal threats or coercive measures. Midland Credit Management , Inc. 's failure to provide adequate time for verification and their use of intimidating language in their communication constitute clear violations of consumer protection regulations. 

I have taken steps to initiate dialogue with Midland Credit Management , Inc. via certified mail on XXXX XXXX XXXX, seeking comprehensive documentation validating the debt in question and their authority to collect it. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly and decisively to safeguard the rights of consumers and uphold the integrity of fair debt collection practices.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint against Jefferson Capital Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital Systems for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Jefferson Capital Systems placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Jefferson Capital Systems, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Jefferson Capital Systems provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Jefferson Capital Systems is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Jefferson Capital Systems is blatantly false. I neither received any services or products from Jefferson Capital Systems nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that Jefferson Capital Systems is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of Jefferson Capital Systems constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (VA)

Net Credit is attempting to collect a debt for {$1100.00} I do not recall ever doing business with this company before. I am requesting that NET Credit cease debt collection immediately and delete this tradeline reporting from my credit report.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (IA)

I filed bankruptcy in XX/XX/2022, it did not include my mortgage. SLS included a claim of an amount due that was already paid, it was a monthly payment they have since collected in it after its already been paid. They removed my online access which does not allow me to pay online anymore. I now have to pay by phone by the XXXX or Im charged a fee. However, my mortage contract gives me until the XXXX until delinquent. This is mistreatement of customers in bankruptcy. I have use bill pay to get around the fee and they have taken my funds and put them in an account which we caused them to report to my credit that Im delinquent. I call to get it fixed and they tell me Im good. Then I call back about PMI which I am now being charged for incorrectly and they said Im delinquent again. I sit on hold and then they hang up. I have no access to my mortgage and no one at SLS can answer my questions. They have admitted to providing incorrect information. I do not receive paper statements and can not access electronic statements online. I believe I am being mistreated as a customer and would like a resolution.
Consumer complaint received 2020-06-04
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. (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 a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2024-02-29
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: SYNCHRONY FINANCIAL (FL)

Disputed an online purchase with TJMAXX my package came and I was missing items but billed for them. Have disputed with data of receiving package. They closed my first dispute saying TJMAXX wont refund me for items not returned? I couldnt believe their response?! Then Im sent info as to the closing of dispute with a picture of another item from the same order that was delivered and that I did not dispute from day one.

I reopened a 2nd dispute for same missing items and Ive been getting nothing but the run around from Syncrony Bank ( which is my TJMAXX CC Bsnk issuer ). There is no tab in site for disputes, you are to do it over phone, which Ive done since XX/XX/28 and have gotten no where. I was charged for the XXXX XXXX XXXX XXXX they were never shipped. Enclosed purchase and pics.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and needs to delete right away : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (FL)

I received a phone call from XXXX XXXX XXXX on behalf of a company called Vellocity XXXX regarding an account from XXXX XXXX. I have never received any mail or certified mail of any attempts to collect any monies the company claims I owe them, a person from the agency advised me she was calling on their behalf because of my " debt '' as they claim I owe them is in pre-legal status and they wanted to see how would I want to proceed and resolve this before it goes to lawsuit. I questioned the debt collector and informed them I was not aware of any collection efforts by Velocity or anyone regarding this matter she informed me they could do a settlement of the debt for XXXX dollars I advised I for one did not have that kind of funds nor did have proof that It was my debt I was coerced into paying them XXXX USD for a potential settlement of XXXX USD I then did more research and found out this was a clear coercion tactic to get me to settle for something I was never notified nor was I able to request to validate. my rights were violated by velocity investments LLC
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent dispute to all 3 bureaus for XXXX information them that XXXX was in litigation and was deemed a predatory lender with proof of this information. Also I previously sent a dispute showing how they are reporting different last active dates with all 3 bureaus and have re-aged this debt which a major violation and they refuse to remove this erroneous and inaccurate information. According to the FCRA the bureaus are required to report accurate information on my credit report and they still refuse to do so for XXXX  if needed I will file a civil suit with a Consumer attorney because I am being treated unfairly as a consumer with your reporting. Please remove this account permanently from my report. Attached please find my previous dispute along with proof of the litigation from XXXX. I have also attached my Driver 's License as well as my utility bill for proof of identity. Please consider this my written authorization. 

Thank You
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (LA)

Kia finance loan opened XX/XX/XXXX XX/XX/XXXX car total loss, was told that my gap insurance and warranties were to be paid 100 % if any thing of that nature was to happen so Im confused on why I still have a balance XXXX/XXXX/XXXX receive phone call from debt collector about a balance owed XX/XX/XXXX contacted Kia about this
Consumer complaint received 2024-02-29
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 (DE)

I am writing to express my concerns regarding the handling of my personal information by XXXX, XXXX, XXXX and ( Furnisher of information to credit agencies ). I believe that my rights as a consumer, as outlined in the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), are not being respected.

The Act clearly states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which mandates that each financial institution has an obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may furnish a consumer report only under specific circumstances : in accordance with the written instructions of the consumer to whom it relates. I have not given my consent, written or otherwise, to XXXX, XXXX or XXXX ( Furnisher of information to credit agencies ) to furnish this information. 
Furthermore, 15 USC 6802 ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to exercise my nondisclosure option by ( Furnisher of information to credit agencies ). 
Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. The account in question is an adverse item that is being reported without my permission, which is against the law. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I believe that XXXX, XXXX and XXXX are not maintaining these reasonable procedures. 
Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and ensure that my rights as a consumer are respected.
Consumer complaint received 2021-10-06
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. (MO)

My name is XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent a request for reinvestigation due to inaccurate information reporting on my credit report. I want to bring attention to the follow law which is 15 U.S Code 1681e Compliance procedures ( b ) accuracy of report. The law states the bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information reporting. They have failed to do that, and my rights have been violated. The laws also state there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I even demanded that they provide me with the methods used to verify such information and have not received any response as required under 15 U.S. Code 1681 ( b ) Reasonable Procedures. I have not received any correspondence of any investigation being initiated on my behalf which is again a violation of my consumer rights. The law states that any and all unverifiable information is immediately deleted and blocked from my consumer file.