davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (IN)

Someone produced fraudulent documentation to scam PayPal. There was no sale, or service transaction. It was a personal loan through a website called XXXX. This person loaned me funds for a small personal loan. I repaid them using my PayPal account. After they were repaid they filed a claim stating they weren't sent a product I sold them. I've never sold anything to anyone on line ever. I've tried to file a police report for fraud, but PayPal will not cooperate with the information the detective needs. This is a criminal matter, because it involves fraud. I've fought back, and forth with PayPal since XXXX. Two weeks ago I spoke to a representative on a recorded line who assured me this time my account would reflect a XXXX balance owed. Still nothing has been done. I've emailed numerous times, called, and sent the proof through my PayPal transaction history this person was repaid. I'm sorry PayPal got scammed, but I'm not accountable. They insist I owe them almost {$1500.00}. One charge for {$1000.00}, and the other is for {$500.00}. I keep calling/sending emails, and at this point I'm very disappointed in how they've handled this serious matter.
Consumer complaint received 2020-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (MD)

It has been the last 2 years of me requesting Debt Validation ( FTCA section 609 ), filed theft affidavits that showed my XXXX XXXX credit cards was stolen and used at the time and I was not legally responsible. XXXX XXXX XXXX has passed the buck and said they would get back after investigation for 2 years. I have emailed XXXX XXXX and now about to seek legal action. This is my final attempt to resolve this inaccurate credit report. I have lost my job behind this and now have anxiety and stress related to this collection agency. I have never received by signed signature in any transactions as requested. I was sent a statement by XXXX which clearly isnt what the law requires when validation of a debt. Especially when. XXXX XXXX was stolen. At the same time was XXXX XXXX was compromised and they are doing the same thing with this passing the buck to some Attorneys that forced me to pay {$200.00} and never reported it or validated they would help from my stolen cards.
Consumer complaint received 2022-10-12
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: I.C. System, Inc. (IL)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-12-08
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. (CA)

I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2024-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp. (CA)

Company refuses to refund overpayment after vehicle payoff. Keeps promising a refund payment but I have received nothing as of yet. 

I have made phone requests on : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> overpayment refund is {$170.00} My payoff check cleared and posted on XX/XX/scrub>XXXX
Consumer complaint received 2018-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (TX)

I sent a letter to Credit Service Company requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$130.00}. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Someone accessed my personal records. In addition to this person held my mail, and on XXXX XXXX, she emailed me a picture of my mail asking me to pick it up, then refused to give it to me. I also think she accessed my webcam via that email. 

I believe this person has been signing into my bank account at least since XXXX XXXX but Truist Bank isn't doing anything about it. I have been emailing and calling their fraud dept. since XXXX XXXX, but no one will get back with me. They have accessed my bank account 24 times in the last 30 days from a XXXX computer using the XXXX browser, and I only use a XXXX computer using XXXX browser. 

On XXXX XXXX this person signed into my account and changed my password to a XXXX password containing scattered letters, numbers and symbols. I continue to be locked out of my own accounts because each time I try to change and re-enter my new password the XXXX fake password automatically repopulates in the password window and eventually locks me out. I also discovered that my SS # and the email that associated with my Truist account are now on the Dark Web! I never share my SS #, usernames, passwords or passcodes with anyone, and this started during the XXXX months I was her roommate in her home.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/year> I entered into a settlement proposal with Barclays for my Frontier Airlines XXXX XXXX account. Per the date of the settlement my account balance was {$3900.00} and the settlement amount was {$1300.00} ( 35 % of my current balance ). I had payment scheduled over 90 days in the following amounts {$130.00} ( to be paid by XXXX XX/XX/year> ), {$130.00} ( to be paid by XXXX XX/XX/year> ) and {$1100.00} ( to be paid by XXXX XX/XX/year> ). After a 15 day waiting period and the validation of funds the account was supposed to be settled for an amount less than the full balance and my credit report was to be updated accordingly. 

On XXXX XX/XX/year> I called into Barclays to make the first payment per our agreed upon payment arrangement and was advised that the payment could not be made because on XXXX XX/XX/year> the account had been transferred to an outside collection agency. However, I do not understand how my account could be transferred to an outside collection agency given the fact that we were in a contract and the terms of the contract had not been broken. Now in addition to Barclays reporting negatively on my credit report I also have a collection that has been reported as well. 

I filed a XXXX complaint against Barclays regarding this matter and have been contacted by the office of the president. They state that the account was transferred in error but were not willing to re-establish and amend the terms of the payment arrangement to appropriately accommodate the grave error they have committed. 

At this point I would like the settlement reinstated, have the balance lowered and receive a deletion as a result of the error.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (PA)

Upon checking my credit report, XXXX XXXX XXXX ( XXXX ) reported that I owe {$710.00}. This was reported to XXXX on XX/XX/2022. XXXX XXXX also reported this to XXXX and Experian on XX/XX/2022. 

My credit report informs me that the original creditor was : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have disputed this case with XXXX for I was unaware of this charge and I also did not give XXXX permission to relinquish nor sale any personal information to third party XXXX. Not only did this company harass me to pay this unsolicited debt, but also gave/sold my information to a party that I do not know. 

In addition, I was able to confirm that both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated 3 of the following laws : 15 U.S. Code 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state such consumer owes any debt.

15 U.S. Code 1692. ( D ) ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 2 ]. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692. ( D ) ( 4 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 4 ]. The advertisement for sale of any debt to coerce payment of the debt.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

falsefiling1 ; XX/XX/2018 In law, GAAP, generally accepted accounting standards require businesses that issue financial statements to the public adhere to the principle of permanence of methods : Consistent procedures are required to be used in the preparation of all financial reports.However, the Union Bank will conflate various kinds of charges, i.e., principle, interest, even false or disputed charges, assisted with multiple accounts in the customer 's name, to conceal disputed and false filings in violation of law. And then holds the customer hostage to paying the false filings by refusing to record the payment unless the false filing is accepted.The Bank Has already made an admission that approximately {$5000.00} was incorrectly charged to my account by false filings and had made appropriate revisions.That is indeed progress ; but the same accounting techniques are still continued to be used. 
The Bank is still conflating principle and the few remaining disputed charges, in order to pressure this customer to pay up, without further investigation, ( something that is generally called extortion ), and it puts an end to lingering optimism. This is, of course, considered illegal by California statutes, but the Bank believes that it has impunity although it is evidence of bad faith and petty theft. 
Recently, an unresolved charge of a few hundred dollars was added on to a mortgage payment, but acceptance of the payment is made contingent on acceptance by the customer of the false charge. It is required to be paid without protest and definition or recognition of a dispute in its entirety. When a mortgage is transformed into a partial payment It is one way of twisting customers arms by piling on interest ; it is a method that the Bank considers effective and seems to work for them, although extortionate for obvious reasons.
Consumer complaint received 2018-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

Dear Federal Trade Commission : This is a letter serves as a formal investigation request investigation for a breached agreement by Focus Recovery Solutions. 

On XX/XX/2018, Focus Recovery Solutions mailed a counter-offer in response to my original settlement letter dated XX/XX/2018. On XX/XX/2018 I faxed a letter accepting their counter offer in the amount of {$390.00} contingent upon deletion and any negative remarks on this account. 

Despite my financial hardships due to their willingness to resolve this account I paid the counter offer as agreed on XX/XX/2018. I feel as though their eagerness to help me resolve this account was a form of deception get me pay with no intentions of removing from my credit after settlement. 

On XX/XX/2018 not only did they update this account on my credit report as a new collection account they added a negative remark indicating this account was settled for less than the original amount owed. Their actions not only dropped my credit score 21 points but has cause other revolving accounts to affirmation actions to include lessening my credit limits based off current credit score. 

I am requesting the immediate removal of this account that i am no longer liable for. Should this account status remain on my credit report, I ask that my payment of {$390.00} be returned for breach of contract and any further communications cease. 

Thanks in advance for your prompt assistance in this matter.
Consumer complaint received 2023-12-06
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: Experian Information Solutions Inc. (CA)

Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXXXXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies Experian, XXXX, and XXXX and XXXX. After the investigation into the disputed information, Experian, XXXX and XXXX deleted disputed unverified information from XXXX. 

After my children were hit by a vehicle, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. XXXX needs to investigate this credit reporting error. 

XXXX XXXX XXXX  - threats and attempts - Rejection Killings Need to Be Tracked Obsessed with attacking my XXXX American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXXXXXX XXXX XXXX XXXXhen an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX consumer law firm - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with Capital One that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time  limitation and over 10 years had passed from the date of last activity in XX/XX/XXXX. 
I was injured in XX/XX/XXXX and had to have several XXXX. I was not physically able to return to work until XX/XX/XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay Capital One after XX/XX/XXXX. 
Prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money XXXX XXXX XXXX XXXX stole from me was my rent money and they caused me severe financial and emotional damage. 

XXXX  XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for  {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that XXXX XXXX XXXX XXXX would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX XXXX XXXX XXXX seized {$24.00} from my account and are harassing me to make a payment plan with them for the capital One debt that the last day of activity is over ten years old.
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (AZ)

Navy Federal CU is fraudulently reporting on my credit report in the amount of {$5800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).
Consumer complaint received 2018-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have had a visa credit card account with Bank of America for 18 years. On XX/XX/2018 for the first time ever, I noticed fraudulent charges on the account for a total of {$330.00} by two companies XXXX & XXXX XXXX XXXX. I reported this to Bank of America, my credit card number was closed out and a new number issued. The fraud claim was investigated by Bank of America and the charges were credited back to me. On XX/XX/2018 I noticed new fraudulent charges from XXXX  again for {$100.00} ( note that I have never used this vendor for any services ) and after calling Bank of America I was told that the reason I am charged again is b/c both Bank of America and XXXX participate in a program offered by Visa  called " VISA XXXX XXXX '' where the bank automatically transmits new credit card numbers to Visa and Visa transmits it to vendor ( in this case XXXX ) to avoid disruption in subscription/service if a customer 's credit card info on-file changes. So instead of a customer directly calling a vendor to update his/her credit card info, Bank of America automatically does this service, WITHOUT giving the customer an option to opt-out of this service. In my case, the unfortunate situation is that someone fraudulently used my credit card information to open 6 separate accounts with XXXX and even though I closed that card number, Bank of America keeps transmitting my new number to Visa  and Visa to XXXX. Many financial institutions ( XXXX XXXX and credit unions for example ) do offer customers an aption to " opt out '' of " XXXX XXXX XXXX '' but Bank of America refuses to offer this option. This practice is not fair to consumers and in cases of fraud, like my situation, can result in fraudulent subscription accounts getting funded indefinitely unless the victim of fraud is forced to close his/her account with their credit card account holder. Bank of America also refused to block this particular vendor so future charges no longer appear simply b/c I did not authorize the charges to begin with since they are fraud charges.
Consumer complaint received 2018-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX has been non-compliant with removing the unverified account CAPITAL ONE XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE XXXX  XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.