davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc (NY)

paypal europe s a r l et s c a Sent a 1099-c about a debt that does not belong to me, I have no idea where this is coming from I believe my social has been stolen from this company, I have had no contact with or from them prior to today XX/XX/XXXX. Its out of XXXX XXXX Ive tried to look into it with no results. It says its from pay pal in the amount of XXXX I do not use pay pal, I do not use pay pal out of XXXX XXXX Creditors XXXX  XXXX Account number XXXX XX/XX/XXXX. It has last four of my social, but I havent borrowed money or used pay pal to borrow money I looked it up online a lot of people are saying pay pal wont help with this and they had a breach last year and no ones gotten any where with this Contact number XXXX XXXX XXXX No one picked up Im very confused and concerned someone is using my social
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I bought a car from XXXX XXXX. Financed through Ally Loans. When I purchased the car I asked for a hard copy of the purchase, the interest rate, the payment book. I received none none of them. I was verbally told XXXX a month by the person who sold the car. Several years later I spoke to ally financial about a double payment. And to refund the other payment. They refused and said I owed it. That XXXX payment wasnt made. I got copies of 12 months of consecutive payments. Then I called again. And she said the car payment was XXXX not XXXX and I owed for all the times I didnt pay the extra XXXX dollars. Also, they never refunded the XXXX I paid twice for.
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$3300.00} on the XXXX partial account number XXXX, as well as reporting incorrectly a collection/chargeoff of {$730.00} partial account number XXXX. ( Please see pages attached from my credit report. ) In addition, the bureaus have changed the opening date on these accounts to XX/XX/2020, and they have also changed the account numbers. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these line items be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Balance {$9800.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I received a notice from Online Information Services on XX/XX/2023 regarding a supposed debt with creditor XXXX XXXX XXXX for an address and account in XXXX TX on which my name and social security number was used. I called and reported that this was not my debt. Representative XXXX advised me to file a police report and stated they would send me a fraud packet. They sent it to my old address ; it was dated XX/XX/2023, but I did not receive it until XX/XX/2023. I called again and reported that I had just received the packet, which said if it was not returned by XX/XX/XXXX, the debt would be assumed to be mine. I explained about the mailing address issue and they said to fill the paperwork out and send it back and they would still take it. I filled it out and sent it back as directed with a copy of the police report and a utility bill establishing my residence during that time as here in XXXX XXXX. I received another fraud packet a few days after I returned the first one, which I disgarded after reviewing to determine that it was exactly the same document as received previously. Today, I received a final decision in the mail saying that the debt has been determined to be mine. The only source of proof they offer is a statement from the utility company. The debt is NOT mine. I have never lived in XXXX, Texas. I have never had an account with XXXX XXXX. It is clear they took none of my documentation into consideration and in fact when I called today they said they'd never received it and the debt was assumed to be mine.
Consumer complaint received 2023-02-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I received two postcard notifications in mid XXXX from the " XXXX XXXX XXXX  XXXX XXXX XXXX Settlement Administrators office informing me that a check representing a settlement award was mailed to me on XX/XX/XXXX and remains uncashed. 

In no way did I receive any such check/settlement awards. 

The notification also went on to say that if said checks was not deposited by XX/XX/XXXX, that the check ( s ) will become void and the checking account will be closed.

I immediately called, emailed and wrote the Settlement Administrator numerous times before the mentioned deadline dates, with no success nor responses.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

I do not owe this amount. I have XXXX in my vehicle and it is mounted above the windshield as instructed. The machine toll neglected to read the device and I immediately called XXXX and was told my vehicle is registered with them and the toll machine did not read the device. I paid the toll via my XXXX account. I sent proof to the XXXX XXXX XXXX XXXX via mail to prove my case and was never contacted again. Now almost 9 months later I received a collection which has damaged my credit and reputation.
Consumer complaint received 2023-02-10
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: PDQ Services, Inc. (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. This medical collection is a violation and must be removed.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. 

I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (MI)

I spoke with the XXXX and XXXX in XXXX and requested information about repayment options to be sent via email. They confirmed my email address but never sent options. Instead they called and harassed multiple family members and called multiple times in order to contact me. When I requested the other numbers be removed from my account they did not honor the request and said they must keep those numbers on file and they are in their rights to call multiple times in the day and call multiple numbers.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern, I got a surprise mail this day from Portfolio Recovery Associates ( PRA ) regarding a 1099-C and Box 5 states : " If checked, the debtor was personally liable for repayment of the debt '' If they try to collect from me more money that will not happen. Because I will show this proof to the IRS that this debt was settled, is no longer in all my credit reports as they deleted this account this is actually an old account and the statute of limitations has passed. 

I know and I am aware that this company has plenty of complaints from higher corporations. This is nothing new but a tactic to collect more money from people who try to make a living, especially these days that is very hard to survive. 

I am attaching proof of the 1055C XXXXXXXX Letter plus a confirmation letter from PRA that this debt was settled! 

In addition, they are not the original creditor. That means they bought the debt for a fraction of a dollar. 

In addition, this debt is old and has passed the statute of limitation, especially with the new law updated by XXXX XXXX XXXX due to many frauds happening in these days with debt collectors. 

From XX/XX/XXXX, creditors can not sue or make a threat to sue consumers ( implicitly or explicitly ) on debts that are older than three years. 

Please see https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX, XXXX % XXXX % XXXX % XXXX % XXXX. 

I want to make this public so people in case they receive a 1099C from them, can do their research and read this info and what to do next. 

File a complaint to : XXXX XXXX XXXX ( State of NY ) IRS Complaint CFBP
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (VA)

On XX/XX/XXXX, GM Financial produced a statement indicating a bill due of {$400.00} by XX/XX/XXXX. 

On XX/XX/XXXX a payment of {$400.00} is made and posted to my account. 

Upon termination of my lease, I am informed that termination fees and wear and tear fees of {$1100.00} are due. They are also asking for an additional month of payment without any invoice - the lease terminated in XXXX. 

I made a payment of {$1100.00} on XX/XX/XXXX, shortly after being notified of the termination fees and wear and tear. 

GM Financial does not issue another statement available on my online account. The website indicates that I have made the 39 full payments required on my lease. I have paid the amount indicated for termination and wear and tear. 

GM begins calling to let me know that I have an unpaid balance. I call in early XXXX and an associate and request to have them review how many payments I made. The associate indicates 39 payments have been made, the account must be escalated to an manager for review. 

I receive no response. 

I get more calls from GM collections. I call back in, I ask if the account has been reviewed. It has not. The associate submits it for review again. I hear nothing. 

More collection calls. I call in again ( XX/XX/XXXX ) - 3rd request asking for an accounting of how I owe more money when I paid the final payment and turn in fees. The associate promises a return call. Never calls. 

XX/XX/XXXX GM Financial marks a delinquency on my credit report. 

The website to this day never showed a bill for payment after my final invoice from XXXX which was paid. I have asked a manager at GM Financial for a full accounting of my account and have not received it. 

Without providing any proof, GM Financial has claimed I owed additional money after I paid every written invoice provided. After numerous requests they can not furnish the information of why I still owe them money. 

This is predatory lending. It is poor web design. And they should be ashamed. 

A full history of bills due and paid should be available for any financial services website that is claiming additional funds are due, and an accounting of why should be readily available to the consumer.
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, and Experian, even after attempts of removal with credit repair company on my behalf. It also appears on XXXX  with the date of XX/XX/2011.
Consumer complaint received 2020-05-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

My identity was stolen XX/XX/XXXX and used for XXXX utilities in apartments. I took steps to resolve this with XXXX XXXX and the debt collection service they used. However, in between the XXXX debts with XXXX, apparently a fraudulent account was opened with XXXX XXXX in XXXX XXXX. I never received communication about this account until XXXX XXXX, when Online Information Services sent me a letter in the mail stating that my " refusal to argue the debt '' served as my acknowledgement and that I now had a collection on my credit report. My XXXX score immediately dropped to XXXX. Their website states that they confirmed the person owing the debt was me, except the address is in a different city from where I live and they never once reached out to me. I have disputed the collections with XXXX XXXX and XXXX but I am frustrated Online Information Services didn't do any proper due diligence to reach me in a timely manner, instead sending a single letter past the " due date '' a full year after the theft occurred.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (PA)

Account number XXXX In the later part of XXXX, I received a loan from Wells Fargo auto for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXX auto in XXXX. 

Immediately, after obtaining the loan from Wells Fargo auto, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. Wells Fargo Auto representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with Wells Fargos auto was reporting as late or behind multiple month payments. The result was a continuous reporting to the three credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called Wells Fargo Auto multiple times to get my account current and stop the reporting of negative information to the three credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called Wells Fargo Auto multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in one month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at Wells Fargo auto resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with Wells Fargo Auto about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

I have been dealing with this insurmountable debt on my credit since 2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My caregiver STOLE my credit card and ran up my balance. I had an excellent history before this. Now I can't get another card or pay this extravagant balance, and I'm barely making ends meet as it is. I've done everything, I even filed a police report against the involved party. No one helped me. I do not deserve to have such a blemish on my credit. My credit was excellent before all this.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Looking to remove PMI after my LTV hit 78 %. Company is telling me I need appraisal or I can wait till XX/XX/2021 and then PMI will come off automatically. The company does not explain why they wont remove PMI prior to the original date even though I have never defaulted on any payments and they are completely up to date. I also verified the LTV is at 78 %. I spoke with Wells Fargo and they refuse basically because they want more money. I do not understand the need for the appraisal if the PMI will be removed come XXXX without having one. I am being penalized for paying on time and early. The homeowners protection act states the lenders are to remove PMI once the LTV has reached 78 %. I am not at the 80 % that would be the minimum to request PMI removal. Also during the call I mentioned placing a complaint and the agent told me they did not care and the company will deal with it when it comes through. The customer service is atrocious as I was told I would be contact by end of business and never was.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

HEY XXXX XXXX- TRY HARDER. 

Your responses to my previous complaints only illustrate how little care your company takes in addressing these matters. My concerns related to Square date back far before the transaction for {$3600.00} which you made the centerpiece of your response, however it was not actually even MENTIONED in the complaint you were responding to. While an error in your software did occur that day, a fact that you have XXXX  myself AND XXXX, the recipient of that transfer about until your customer service lackeys were blue in the face, again that transaction WAS AT NO POINT EVEN BROUGHT UP. 

This serves as further evidence that this transaction and my complaints about your software are the true reason for my banishment from the platform. In fact, you have all but admitted this with your response sobre again I DID NOT EVEN MENTION THAT TRANSFER IN MY COMPLAINT. 

You guys arent even trying to be compliant at cash app. CFPB are you getting this XXXX? Unbelievable! 

TRY HARDER!! And give me me XXXX account access back before I sue you. Your ridiculous terms of service are NOT LAW, as much as you might like to tout them as such, they are just made up words with no actual legal impact given that square is operating a de jure criminal enterprise. 

I mean you guys dont even pick up the phone XXXX!
Consumer complaint received 2023-02-10
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my most recent credit report. I've notice that Transunion, XXXX, & XXXX. All three major credit reporting agencies continuously report multiple inaccuracies and violations under fcra rules section 1681. 

Account under name # XXXX XXXX  XXXX  XXXX. 

Notice two accounts 1 ) XXXX XXXX and XXXX original creditor ; XXXX balance {$3500.00} XXXX ) XXXX XXXX and XXXX original creditor ; XXXX  XXXX XXXX  XXXX  balance {$1900.00}