davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

National credit systems, i have never receive info of the debt send out letters and never got an answer, i live in tx and this company is ingeorgia? Is this legal?, try to make contact and never got an answer from them, only threats.. they said i owe money to some apartments but there is no record of this, no apartment lease renewal, or anything, i was allready living somewhere else. This is ruinning my credit they charging me {$3100.00} and never receive a proper info on this.
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On or about XX/XX/XXXX, filed debit card dispute with bank. The dispute was improperly coded by the bank as a cancellation, after speaking with XXXX on XX/XX/XXXX at the bank at number XXXX. I was instructed to fax the bank at XXXX and that I could reassert the claim. This was faxed to the aforementioned number on XX/XX/XXXX. It also included e-mail proof from the merchant stating " in regards to the charge back you have initiated with your bank, you will need to work with them to recoup the funds ''. Please see attached letter and proof submitted with this complaint.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There was Two charges that appeared on my Credit card on the XX/XX/XXXX,XX/XX/XXXX For Light bill and Cable bill that was paid. On the XX/XX/XXXX I called in notified the company and began the dispute. On XX/XX/XXXX They Credit is back the {$520.00} which is the total of  {$170.00} Light bill and {$340.00} Cable bill.The Company reverse the charge of {$340.00} on XX/XX/XXXX because i had the same cable company. Spoke with the fraud department which gave me a fax Number .To send bill from the cable company to show that My account has n't been as of yet and the amount of the charge an my is n't the same amount. which @ the time XXXX which is a past due of 2 months. Now on the XX/XX/XXXX they sent me a letter saying We have researched your claim and results that this is my charge. So i research myself. They do n't have the account to that was paid with my card. So they ca n't match and assume that the charged is valid because of the company. So I spoke with the Company fraud department again and faxed over the new bill which is then {$330.00}. because it still has n't been paid. It was denied again. I have the bills from the past six months the prove that charge is n't mine and that no payment has been made since the issue has been going on.
Consumer complaint received 2017-12-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX i sent out debt validations ( 609 ) letter to Equifax.On XX/XX/XXXX they made a decision and I have yet to obtain proper debt validations for my  debts by the mail. It has been well over 30 days. Equifax reported that the debts we 're validated to me. I have again yet to recieve proper debt validaton paperwork by the mail.
Consumer complaint received 2017-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I sold an item, a XXXX refrigerator on XXXX. My buyer paid the correct amount into my PayPal account. PayPal will not release the funds and it saying they will not for a period of time which keeps changing. XXXX is saying that the money is not held on their end and should be released by PayPal. I feel that PayPal is somehow placing A hold on my account that is wrong and in accurate and will not release the funds ever.
Consumer complaint received 2017-12-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

transaction id # XXXX {$110.00} XXXX XXXX sphero toy ) was apart of a larger order totaling {$310.00} payment method chosen was " pay after delivery ''. a few days later {$110.00} was debited from my XXXX checking account. this is the XXXX time paypal changed the payment method i choose after the purchase was completed and money came out of my account without notice, warning, or option to choose another payment method. I INSIST PAYPAL REIMBURSES ME {$110.00}. PAYPAL is in error not me. Paypal has no right to take money out of my account without my consent and i will take this further if neccessary.- ftc complaint filed
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX County small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX for a debt. In informed them that I was no longer a resident there and lived in XXXX, Indiana. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office XXXX XXXX XXXX who was handling both debt accounts. I contacted XXXX XXXX XXXX and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me.

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed XXXX XXXX XXXX as well as the county court office that I no longer resided there. 

I attempted again to contain Midland to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is reporting Inaccurate information on my credit profile. Please delete account immediately This company continues to report inaccurate information to the three credit Bureaus ( XXXX, XXXX  & XXXX ). I have contacted Portfolio Recovery and requested this information be corrected and deleted from my credit file. Some of the errors are as follow : Date opened, Last date of Payment, Amount owed and payment history. Due to this company 's negligence in reporting my credit profile has suffered tremendously. I have made several attempts to correct this with Portfolio Recovery but to no avail. I had a perfect payment history with the original creditor XXXX XXXX for over 3 years. When I originally opened my account I opted to enroll in the payment protection program for an additional monthly fee. I paid this fee every month for over 3 years. Unfortunately I lost my employment the end of 2013 and requested the payment protection be applied to my account. The payments were not made for the duration my contact said they would which caused my account to go delinquent and eventually be charged off.
Consumer complaint received 2017-12-16
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. (IN)

XXXX XXXX XXXX is reporting that my account has late payments but they are not reporting it correctly and I have asked for a dispute and Experian did not correct the wrong information. XXXX wrote me a letter about my missed payments and it does not reflect my credit report. They did not report the 1st missed payment and the account has no date listed when it will be removed. The has been going on since XX/XX/XXXX. 

acct XXXX open date XX/XX/2012
Consumer complaint received 2017-12-16
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: HUNTINGTON NATIONAL BANK, THE (PA)

I was in the beginning stages of applying for a HELOC ( Home equity line of credit ). I was told over the phone on a recorded line by XXXX XXXX at Huntington National Bank ( XXXX # XXXX ) that my credit score would only be hard pulled once. The phone ( XXXX ) conversation took place approximately XXXX XXXX on XXXX/XXXX/XXXX. 
The next day, when looking at my credit report ( XXXX/XXXX/XXXX ) I 'm seeing there were two hard pulls by Hunting National Bank. Fist one on XXXX/XXXX/XXXX, then another on XXXX/XXXX/XXXX. I did not authorize the one on XXXX/XXXX/XXXX nor did I expect to see two hard inquiries pulled back to back within two days. 

I 've sent numerous emails out to XXXX XXXX concerning this matter, but no responses or reply 's.
Consumer complaint received 2017-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I spoke with a US Rep that was assisting me with removing the inquiries off my report. During the phone call the she ( rep ) was confirming which inquires needed to be removed and the call disconnected. I called back and waited 30 minutes to get another US Rep on the phone. I explained to the rep that answered my call that the previous US Rep I was speaking with was deleting unauthorized inquiries and if he can continue to assist me with request. He told me he could n't do it. I, then advised him again that the previous US Rep was already in the process of removing the unauthorized inquiries. However, he did not care and did not assist me with removing the authorized inquiries, even though the previous US Rep was willing to help before the call dropped. I also advised that I have fraud protection on my reports due to fraudulent inquiries that were not authorized by me.There are 13 unauthorized inquiries from several companies : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX , XX/XX/XXXX and lastly XXXX XX/XX/XXXX. None of these places had my authorization to pull my credit or anything related to this matter.
Consumer complaint received 2017-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MA)

This claim has already addressed by CFPB. I want a re-investigation This is about One Main Financial : Company falsely charged me and sent my name to collections for a debt I do n't owe. 

One Main has never responded to any of my letters. This is the first letter that I received from CFPB. I need company to re-investigate this claim. I am asking One Main Financial to provide me with evidence bearing my signature or any copies of documentation they have. They have replied through CFPB with a long letter with no evidence bearing my signature. I am making a final goodwill attempt to have this company clear up this matter.
Consumer complaint received 2017-12-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Independent Dealers' Advantage, LLC (GA)

In XX/XX/XXXX I was in a car accident which totaled my car. My insurance company paid majority of what was left on my loan with Independent Advantage Dealers ( IDA ) and I paid the remainder. On XX/XX/XXXX I made my final payment of {$710.00}, and have a confirmation email from XXXX XXXX to prove this. Up until this point of my final payment I made sure to make all my biweekly payments until I could afford to pay the whole remaining balance. I thought everything was good on my end until XX/XX/XXXX, over 2 years later I receive a letter from XXXX, XXXX XXXX XXXX XXXX XXXX stating that they are contacting me on behalf of XXXX XXXX XXXX as assignee of IDA stating that I owe {$780.00}. During these 2 years I have never received anything from IDA saying that I owed anything else after my final payment. I never received any form of contact from them at all. I sent a letter to the law office AND to IDA stating proof of validation of the debt and gave them a copy of the  confirmation email of my final payment. On XX/XX/XXXX I received another letter from the same law office giving me the name, address and account number of the alleged debt that I owe. Instead of the amount showing {$780.00}, they now say that I owe {$570.00}! Where are they coming up with these numbers? One day I owe them over {$700.00} and now they say I only owe a little over {$500.00}. I do not understand how they can say that I owe one thing and thing try to say I owe another. It proves even more how they do not even know what they're talking about and most likely do not even have my records still. I definitely feel like they are trying to scam me out of more money since I never once received any contact in this 2 year span, but once an attorney sends me a letter it goes directly to my new address that has changed 2 times since I paid off the car loan.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX me and my wife along with a couple of friends took a cruise why on the ship we attended a XXXX XXXX art auction. They offered free art if you apply for a credit card explaining that no strings were attached so i did little did i know about XXXX weeks after i return home they would start billing me for art work i never agreed to purchase .First the company said my wife purchased it using my card then when i explain to them she not authorized to make a purchase using the card i was told because we share the same address they can allow her to make the purchase.When i file a written complaint they attempted to show paper work that forged with a fake signature that not even how i write my name to make things worst they say out of the four pages signed only one has a G as the signature i always use my full name and i would have signed every page of the purchase and not just one
Consumer complaint received 2016-05-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I disputed a claim with chase. They did not properly verify the information and when it explained again with them viewing documentation they still denied the claim. My facts were based on a written contract that they were provided and I was told it is not there job to look at all the details. I dealt with XXXX from the disputes department. I will be reforwarding all the information again and this time I clearly have to circle the facts I was stating because chase did not properly investigate.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (PA)

To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Prove to me beyond a reasonable doubt that I have a signed contract with Medical Data Systems agreeing to pay this assigned debt. Please prove that you are the original creditor for Account # ( XXXX ) and Account # ( XXXX ). 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against EXPERIAN for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). CARES Act During the national emergency cause
d by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by EXPERIAN. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by EXPERIAN about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require EXPERIAN to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX