davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CT)

Jefferson Capital System LLC has listed on my credit report, the following information : XXXX XXXX  with the Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} In accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to privacy and confidentiality under the FCRA. 

Jefferson Capital System LLCXXXX XXXX {$910.00} This account is being reported inaccurately and has violated my rights according to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States : 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. 

15 U.S.C. 1692e States : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (TN)

On my Rocket Mortage account I replaced an insurance company with a different one and canceled my escrow acct. With XXXX XXXX agent, we verified everything was in order. The old insurance was cancelled on XX/XX/XXXX and I received all of the forms from Rocket Mortage verifying that escrow was closed and new insurance was in place. On XX/XX/XXXX as always I called to have funds moved from my bank to Rocket. The amount quoted was with the old insurance included. I asked for assistance in getting the extra amount removed. I got no help, so I asked for a manager. I was told someone would call me in 48 to 72 hrs. I did not receive a call or message. My smart phone would alert me of a missed call if the person was not in my contact list. So I know there was no attempt to reach me. 
On XX/XX/XXXX I made my normal payment of {$1000.00} and it was taken from my bank checking account. On XX/XX/XXXX I checked my Rocket account and to my surprise I found they showed my payment I made but they also showed I did not make my XXXX payment and it was past due? On XXXX I was told a person who tried to reach me in early XXXX was out of the office but he gave me her # and I left a message. I did not hear from her around XXXX so I called her. Was told she was on a call and would get back to me on the following Monday. I explained that was not satisfactory, so they put another person on the line with more lies. Directly after speaking with her, I received an email stating a late fee had been added to my acct. 
I do have all names and times if they will help. I can also send screenshots of everything that I have saved on my phone. 
Thanks Much for listening to me. I am XXXX on a fixed income and do not have extra to just be scammed out of. 
XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (PA)

I am writing regarding a debt collection attempt made by credit control llc for an alleged debt of {$810.00}, dated back to XX/XX/2022, concerning a XXXX XXXX account. 

As the executor, I demand that XXXX XXXX takes immediate action to process the permanent deletion of this debt from their records.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OR)

My mother passed in XX/XX/year>. Her accounts held at Chase were listed as " Chase Premier. '' She had several custodial accounts for her great grandchildren. All the custodial accounts are listed as 'Chase Savings '' except one that is listed as " Chase Premier Savings ''. Now that my mother is deceased, this one account is now being charged {$25.00} a month service charge because all my mothers personal accounts were closed. This account should be correctly coded as a regular savings account with no monthly fees. As the trustee, I have tried numerous time with the bank to get this corrected. They told me they could do nothing about it because they don't have access to make those changes to the account. The parents of this custodian account also went into the bank and they were told, as I'm trustee, I needed to go into the bank and close and reopen. My bank says NO. I'm at a lost on what to do. The child 's account will be totally drained in a couple years. Thank you, XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TX)

This debt was closed and removed over seven ( 7 ) years ago. XXXX went out of business when it was acquired by XXXX XXXX 2020. Prior to the acquisition, this debt was dropped by XXXX. The debt was removed from my credit profile of all XXXX credit reporting agencies. I've submitted a request from Jefferson Capital Systems , LLC ( via certified mail ) asking them to validate the debt by providing me with the original purchase agreement between Jefferson Capital Services and XXXX that shows they are the legal owners of this debt. I've also asked them to provide the latest bill statements that show the servise was used by XXXX in the last seven ( 7 ) years, all to no avail.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (IL)

I have been getting emails from Chime at my work email ( XXXX ) for a few months I keep a very close eye on my credit reports and accounts and didn't notice anything so I kept ignoring the emails. 
Today I had more than 6 emails from them re : phone being updated, new login, account address being updated, me sending money, money being sent to me. 
I tried to call the support # XXXX and couldn't get past the prompts due to not having an account. I tried to email them at XXXX and received a generic response. 
I do not see this account in my credit report, BUT, don't want to take any chances and/or be surprised by something. 
Please advise what steps/actions need to be taken. 
Thank you
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (GA)

IQ DATA INTERNATIONAL ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX XXXX XXXX XXXX ) -- - IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans (WI)

I took out a loan through RSVP Loans & am having problems paying the {$300.00} every other week payment. There are NOW contacting my family members, which I called them & told them they could not do. The gentleman on the phone said " they can do whatever they want to try & collect the money from me ''. They think they can intimidate me but I know if I ask them not to contact me family or myself, they have to cease communications.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I ordered a laptop and a phone from a company. The phone was received and no problems. The laptop was not in stock for shipment and I confirmed that a refund was provided to PayPal. I was not aware when ordering and after delay and refund request I was notified by the company that they were having problems with PayPal. I thought to immediately resolve transaction with PayPal for funds to fill requirement. I was told by PayPal there would be a wait and then decided to immediately access funds disputing the transaction with my bank instead. PaypPal is firmly stating I need handle the harassment by paying the collection agency while only providing a document after my request of one return payment but claims they paid twice to XXXX XXXX XXXXXXXX {$2000.00} regardless of my bank statements sent to the executive office from which I've had email contact showing the complete range questioned for a second deposit/return. This might be a scam because it is difficult for me to have to understand how their error is possible. I'm hoping an authority with authorization to transactions can review if PayPal actually had a process that allowed two payments
Consumer complaint received 2022-10-03
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. (CA)

XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all inaccurate
Consumer complaint received 2018-05-31
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. (CA)

Transunion Reports Closed and Negative account that is not related to me. That account is XXXX XXXX. I have never been responsible party for this account and have no knowledge why it only appears on my Transunion report. I am also attaching my XXXX and XXXX   reports which are more accurate than transunion to show that it is a mistake by Transunion which needs to be corrected immediately.
Consumer complaint received 2024-04-18
Product: Credit 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: DISCOVER BANK (NV)

I am writing to formally lodge a complaint against Discover for mishandling my identity theft claim. Despite providing ample evidence of fraudulent charges on my account and initiating several disputes with Discover 's fraud investigation department, my claim was unjustly rejected. This denial has had serious implications on both my credit score and financial stability. 
The fundamental issue lies in Discover 's failure to acknowledge that my phone, which was used the fraudulent charges, had been stolen. To address this, I promptly changed my phone number, email address, and other contact information associated with my Discover card. 
Regrettably, Discover did not update their records with this new information and continued attempting to reach me through the outdated, stolen phone number, hindering communication regarding the matter. 
Furthermore, while it is true that I paid for the charges in question, Discover 's assertion is both inaccurate and unfair. It is well-known that failure to settle credit card balances can lead to account closure. However, this does not justify the rejection of my claim, as it is abundantly clear that the charges were fraudulent and not linked to my legitimate financial activities. 
In my efforts to substantiate my claim, I provided Discover with a police report confirming the theft of my phone, as well as compelling evidence proving the fraudulent nature of the charges. Despite these efforts, Discover delayed conducting a thorough investigation until XXXX, even though I was initially assured by a Discover customer service representative that it would be completed in XXXX. 
During this prolonged period, I have been burdened with re-paying the fraudulent charges that I had already settled, waiting for the initial investigation to conclude. This ongoing predicament is severely affecting my credit and exacerbating my financial distress.
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC (WA)

So I have been credit card fraud it I have reported this to the police I have hired XXXX XXXX  this was a charge off on my credit I have sent 10 certified mail to this company called cavalry portfolio services , LLC XXXX XXXX XXXX, XXXX, AZ XXXX I have certified these people mail regarding this matter they have mailed me a form asking me to send it back I did that as well along time ago XXXX XXXX has challenged these people and ask them to quit harassing me and they still are regarding this matter I have asked multiple times for them to understand I was credit card fraud and they dont seem to care they want their money I wrote you guys about this matter but at that time it was through XXXX XXXX has hired this company Ive sent a complaint into your company about XXXX this is my second complaint that Ive written I had XXXX preferred diamond card that was stolen when Covid broke out I had to XXXX XXXX cards as well and I had a XXXX card my identity was stolen so I have been trying to work on my credit and fix all of this as a matter fact Im not sure exactly which one of these bills is which with XXXX I just know that I have sent in all the documentations and police reports and these people will not leave me alone Im on XXXX I have no money At all whatsoever
Consumer complaint received 2018-05-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (UT)

I had received XXXX XXXXXXXX back in 2013. After the XXXX was completed I began having complications with my XXXX  so I went back to my doctor for a review. 
It was determined that the surgeon had damaged my XXXX XXXX during the original XXXX on my XXXX. He offered to do another XXXX to repair the accidental damage done from the first XXXX at no cost to me. I agreed and the XXXX was preformed. Some time later I started receiving bills from my doctors office for the secondary XXXX preformed. After calling my doctors office and explaining to them what had happened and why the second XXXX was needed they agreed to stop billing me. Later after having my credit report pulled I noticed that my doctors office had sold the debt to a collection agency. I never agreed to this debt and I have been unable to have it removed from my credit report.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/24, I used my Ally account to send money to my XXXX account and I used ally to XXXX my fianc some money. 

Without warning my account was locked. No warning was given, and the excuse they used was I reset my password to many times. Everything is linked to my email and I can see any and all interaction on the account. 

I am now locked out of all my funds. Their customer service is not helpful they arent giving me any information and leaving me in the dark.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (AL)

I noticed an entry from Diversified Con. on my credit reports trying to collect a debt that I do not recognize. I 've had no contact with this company or the XXXX they claim to represent. This has caused stress.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent this requesting that you reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of XXXX for double dipping.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have been in a deep XXXX since doing an investigation into my credit report. My findings of many, many errors and inaccuracies is incredibly never wracking to me, especially since the agencies have a responsibility to make sure that what they are reporting is accurate and true and in this case it is not. This information has effected my work life, I was so depressed I had to take time off, so I need this fixed and corrected quickly.
Consumer complaint received 2016-12-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was an authorized user on my husband 's account. I called in on XX/XX/2016 and was removed from the account. However, the account is still showing up on my XXXX account number XXXX. I just want them to remove me as authorized user from my credit report. They are telling me because I am no longer an authorized user they can not discuss with me the reporting that they are doing on my credit report. My husband is XXXX military XXXX and I was told there are phones all over the world and that he can call in. I do not want information on his account, I simply want my own personal XXXX to reflect the current information that I am no longer an authorized user. They do not need any information on his to fix my credit reporting. I have called three times and have been hung up on each time I was told they would get me a number to their credit disputes team.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 4th request that I am a victim of identity theft and I write to dispute certain Accounts in my file resulting from the crime. The Accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.