davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSH & Associates, LLC (KS)

I have a medical collection showing on my credit report from RSH and Associates LLC. From what I can see from my credit report, this debt is over two years old and for the amount of {$2500.00} To be specific, this debt is actually from XX/XX/XXXX. 
My first issue with this account : I didn't get any paperwork or a letter from this collection company whey then this account was placed with their office. My second issue : I requested a proper validation of this debt in XX/XX/2020 when I found this debt out about this debt. The collection company sends me a letter stating that I don't have the right to request a validation of the debt because my time to dispute it has ran out, but they demanded payment in full anyways. I sent a request again, and the second letter states that they verified the debt with XXXX XXXX XXXX. ( Don't have a clue who this XXXX  center is ) and it's accurate. So pay them. I contact the original creditor, and they direct me back to the collection company. 
My third issue : This collection company is reporting inaccurately on my credit report. Per my financial and credit advisor, this debt shows no last day of activity on the account, which means that this debt could be re-aged at any time. So if this company wants, they could update this account to keep it on my credit longer then the seven years, and they have responded to my disputes with the credit reporting companies twice now without updating the last day of activity on the account. How is it possible that a collection company can demand payment on a debt with reporting it properly or providing any documentation regarding what they claim I owe.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

In a prior CFPB complaint against Chase, I gave evidence that they had refused to compensate me regarding identity theft on my chase debit card. Please reference complaint XXXX. They had compensated me {$380.00}, and said they will resolve the {$170.00} by XX/XX/XXXX. I still have not heard a back about the {$170.00} despite Identity Theft being reported to the FTC and the sherriff.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late  payments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.
Consumer complaint received 2017-07-02
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: SYNCHRONY FINANCIAL (TX)

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Consumer complaint received 2017-10-24
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: ALLY FINANCIAL INC. (TX)

this banks ran a hard inquiry on my credit report without my authorization on XXXX/XXXX/XXXX I when to look for some vehicles but at no point I told sales rep to run my credit now my is it XXXX and it was at XXXX please help XXXX XXXX XXXX. XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXXl XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Ally Financial XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Peak Acceptance, LLC. (GA)

On XX/XX/2020 I logged into the payment portal for Peak Acceptance , LLC . I received an error message that stated that I could no longer account through the website. Contact your loan servicer. I called the toll free customer service number for XXXX XXXX XXXX and the message indicated I was to call another number XXXX. I called the number that went straight to voicemail during normal business hours. Odd. So, I called the customer service # associated with Peak Acceptance-About My Loan. XXXX. I got a hold of an associate that told me that the no longer serviced Peak Acceptance and provided the same XXXX number. I tried calling several numbers that I had and left a message for a person named XXXX XXXX, Peak Acceptance- prompt XXXX. I went on XXXX XXXX and found that my loan was indicated as closed and paid in full. I was confused because I still had 10 months left on my loan. I had not received any communication about changes to the pymt portal nor my acct. The next day, XXXX called me and said she wasnt in every day due to CoVid and gave me the new site information and apologized for the confusion. I went on to the portal and signed up. I thought it was odd that there was no account history. I paid my XX/XX/2020 bill with a few more $ . I called the new customer number and spoke to a XXXX. I was hoping to discuss my account I see if they had my account information. I waited for a Spvr and one was not available. After, another review of the new site, i saw that they had a chat feature. I made an inquiry about a late fee. Today, I got a call from XXXX who stated that the late fee had been waived but wanted to know about my XXXX payment. I was shocked. I let him know that there no issues with payment and suggested that he or someone from this new company contact the old one as my XXXX payment was made, He said he could send me a print out of my payments but would accept any information I had related to my past payments nor receipts. I asked to speak to a Spvr and again ... no Spvr as he stepped away from his desk. Odd ... this was the second time this mysterious Spvr was not available. I sent my receipts through the chat feature anyway. I also checked my credit again and the only information in reference to Peak Acceptance other than the closed-paid in full. What is going on with this company? Is this a real existing company? Was there a sell out, closing or a real company that owns my loan?
Consumer complaint received 2022-10-04
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. (NC)

In accordance with the Fair act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Equifax is STILL reporting two inaccurate charged off XXXX XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Applied XX/XX/XXXX.
Opened XX/XX/XXXX.
Got all paperwork XX/XX/XXXX. {$500.00} ACH from XXXX posted to WFC X/X/17 no bonus triggered. {$1.00} x XXXX XXXX reload ( X/X/17 ) posted X/XX/17 no bonus triggered. No bonus as of writing ( X/XX/17 ). {$960.00} ACH from XXXX posted to WF X/X/17 no bonus triggered. Secured Message from Wells Fargo X/XX/17 : WFC told me The {$250.00} credit will post after XX/XX/2017. No bonus as of complaint ( X/XX/17 )
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I opened a second Chase credit card in late 2017. I used the card for a few months, paying off the balance in entirety each month, and then ceased usage of the card entirely. 

The revolving credit account now appears on my credit report, showing that the account was " charged off '', with a final balance of {$500.00}, and several missed payments. 

Chase never sent a paper bill, never called, never emailed, or otherwise attempted to make me aware in any way that the account carried a balance while the account was open ( and, if any transactions were made, I did not make them ). I regularly logged into my Chase account online and regularly observed a balance of {$0.00}. 

I have spent many hours on the phone with Chase over the years attempting to resolve this, to no avail. I'm unable to attach any documentation showing the balance of {$0.00} as the account is closed and I'm no longer able to log in.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

There are errors on my credit report pertaining to the following Personal Information. 

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE ADDRESSES:XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX. XXXX   XXXX
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debtsy Holdings, Inc. (NJ)

have reach out to this company asking them to valid this debt and they never did but yet they are still trying to collect on it. And this company is in violation of codes 15 use 1692b ( 2 ) 15 use 1692f 15 use 1692b ( 5 ) 15 use 1611 all which is subject to a XXXX per fine.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Barclay Bank Delaware sent me a billing statement dated XX/XX/XXXX for my UBER VISA SIGNATURE credit card. This billing statement included an invalid transaction dated XX/XX/XXXX posted XX/XX/XXXX from " XXXX XXXX XXXX XXXX  '' in the amount of XXXX AUD which was converted to US {$95.00}. 

On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement '' and advised them that I did not have any recollection of this charge and requested a credit in the amount of US {$95.00} In the same letter I disputed a second charge dated XX/XX/XXXX from " XXXX XXXX '' in the amount of {$85.00} On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} from " XXXX '' and indicated they would investigate the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$85.00} and indicated they would issue a provisional credit while they investigated the issue. They did NOT acknowledge the first disputed item of {$95.00} from " XXXX XXXX XXXX XXXX ''. 

On XX/XX/XXXX I wrote to Barclay Card Services at the address indicated on their billing statement for where to write when " You Find A Mistake On Your Statement ''. In this letter I thanked them for acknowledging the second disputed amount of {$85.00}. In this letter I reminded them of the first disputed amount of {$95.00} from " XXXX XXXX XXXX '' and notified them that had not yet acknowledged this billing dispute. In this letter I also requested credit for {$1.00} for the Finance Charge applied to my account on the XX/XX/XXXX statement for not paying the disputed amount of {$95.00} I reiterated that " I have no knowledge of this transaction and have not received services nor merchandise from this merchant ''. 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter acknowledging the disputed charge of {$95.00} from " XXXX XXXX XXXX  '' that was billed to my account on XX/XX/XXXX and that they were referring the transaction to a dispute specialist who would investigate further. 

On XX/XX/XXXX Barclay Bank Delaware sent me a letter saying that they " are unable to take further action on this disputed charge '' " due to the length of time that has passed since the charge posted to your account ''. 

Barclay Bank Delaware only promptly investigated the second but not the first disputed charge of my letter of XX/XX/XXXX. Barclay Bank delayed their investigation of the first disputed charge is an error on their part and is a violation of federal regulations.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

I was contacted on XX/XX/XXXX in regard to my account not being up to date. I was told my XXXX payment did not go through, but I had proof and explained it did go through. Westlake Financial told me to send my statement for XXXX to XXXX XXXX XXXX. No one has responded back to me yet. I called back on XX/XX/XXXX and spoke to XXXX. She had told me the months in question are XXXX, XXXX and XXXX of XXXX. She had told me those payments were retracted by me or my bank. I did not retract those payments and I immediately called my bank who told me they did not request any money to be retracted. I then called Westlake Financial back and was told to speak to a supervisor but every time I called there was never a supervisor available. On XX/XX/XXXX XXXX called me saying I was 100 days late and I was being sent to collections. I had explained to him nothing was put back into my bank account and I was told by Westlake that it just happened on XX/XX/XXXX. Again, I called on XX/XX/XXXX and spoke to XXXX who then told me in order to get this resolved to send my statement to a supervisor. After speaking to XXXX and XXXX  it is clear this has been happening since XX/XX/XXXX. Every payment I have been making has been going to the supposed late or no payments. I was never contacted or received any notice by mail or email regarding my account being behind. XXXX transferred me to her supervisor XXXX XXXX who told me to resend my bank statements to prove the money was pulled from my account. On XX/XX/XXXX I spoke to XXXX who told me she was contacting the accounting dept. I did not receive any response back until XX/XX/XXXX from XXXX which she stated they had found my XX/XX/XXXX payment and they were looking for my XXXX and XX/XX/XXXX payments. I am very frustrated and upset at this point because I have proof it was pulled from my account and nothing was put back in. I have been threatened that Westlake will reposes my vehicle. I have been threatened to be sent to collections. My references are being harassed as well. I keep calling to get updates about my status and Westlake keeps giving me the same answer which is I need keep sending them proof of my statements. I called XX/XX/XXXX to speak to XXXX because she has not contacted me since XX/XX/XXXX. I finally spoke to XXXX another supervisor and she spoke to XXXX who had told her the reason for the delay was because my bank statements looked altered. I was never aware of this new information until today when I called Westlake to make a payment. There was no way that I could have altered my bank statement when I printed it directly from my bank. This needs to be resolved.
Consumer complaint received 2020-04-28
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: Millco Management (NY)

I have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank You.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX Called bank that their was a charged of XXXX on my account that i did not make from a store name XXXX in New York. The same day a box was delivered by XXXX  with merchandised from this store it had no invoice or paper work inside the box. I tried calling the store, but because the store only get emails it did not return any of my emails because i did not gave any information regarding the invoice. On XX/XX/XXXX I received a letter from chase that the charge was correct and that they close my complaint because a box was delivered to my home from the store. The next day XX/XX/XXXX we called Chase again regarding the claim being denied they said that we have to return the merchandised which cost me XXXX to sent back and they told us to call chase back and give them the tracking number so we did call them and gave them the information. On that same day I filed a complain with the XXXX  regarding my situation with the store two days later they reached out and said they would process my refund once they received the merchandise.They received the merchandise and tried to refund the money but since my card was closed they cant refund it. I have called chase and their no help they cant find the calls we made them when they said to send the merchandise back or they drop our calls or make us wait 30 minutes for some one to  answer.The XXXX  sent us a copy of the invoice on XX/XX/XXXX all the information was incorrect the phone number was from someone in florida and email was wrong so i dont get it when chase said that they wore able to prove that i was the one who purchased it.??? It has been a rough 2 months because XXXX plus XXXX for shipping and not working has made it hard.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TN)

Greetings, Wells Fargo would not give me a small business loan, therefore I had to use the personal Wells Fargo credit card with high credit points in order to conduct daily business while being a XXXX XXXX XXXX XXXX. Once I reached my limit, and had slow payments. Wells Fargo passed my account over to XXXX XXXX  XXXX, a collection agency who ultimately had a XXXX XXXX XXXX XXXX rule on a " Garnishment of Wages '' against me in 2017 in XXXX, Tennessee XXXX XXXX XXXX. Now, after several years of paying promptly, I've contacted both Wells Fargo and XXXX XXXX   XXXX and they've both been unwilling to allow for me and my wife a pay - out amount even since this Coronavirus Pandemic crisis. And they have still refused on each phone call with their reply to deny. As an XXXX American  family, we have reviewed such horrific actions caused towards XXXX Americans from Wells Fargo and criminal tactics since The Great Subprime Scandal. Nationwide, XXXX Americans and XXXX  have suffered tremendously due their criminal intent actions. And now, for almost three years,  my Credit Report has been ruined due to the fact of having a " Garnishment of Wages '' in the report. I've filed a recent request for a court hearing in XXXX XXXX XXXX.