davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (DC)

On XXXX XX/XX/2023 RFGI ( Rozlin Financial Group, Inc. ) Collections emailed me claiming that I have a past due balance of {$120.00} for an XXXX account. 

To the best of my knowledge and records, I have never opened an XXXX account nor held an XXXX account. 

I responded to RFGI 's email on the same day ( XXXX XX/XX/2023 ) telling them they were in error, that no such account exists or existed, and that further efforts to collect on this fraudulent claim may be considered in bad-faith and result in appropriate legal action. 

On XXXX XX/XX/2023, RFGI Collections emailed me again, still claiming that I have a past due balance of {$120.00} for an XXXX account. 

Neither email listed a contact phone number, so I looked them up on XXXX and called them directly at ( XXXX ) XXXX. They refused to give me information unless I gave them my name. Wary that this might be a phishing scam, I refused and offered instead to give them my email address which they used sent the alleged notice to. They refused to look up the issue with that information. 

I then hung up and responded to the email demanding that they verify the debt in accordance with 18 USC sec. 1692g ( b ).
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

Someone hacked into my PayPal account and paid themselves XXXX  times the same amount of {$190.00}. I immediately contacted PayPal to dispute these transactions. They came out of a closed checking account of a bank in XXXX that's been closed for well over XXXX  years. I have opened numerous disputes with PayPal over these transactions. They are telling me there's nothing they can do because it's personal payments and not transactions. My PayPal account is negative {$1300.00} due to these fraudulent payments. How can they pay someone out of a closed checking account? So in order for my PayPal to be current, they want me to deposit back the {$1300.00}!!! I've called them several times and they don't understand what I am saying to them and are telling me that I made these payments. I haven't used XXXX XXXX  in well over XXXX  years. I have strictly used my XXXX XXXX account which they can see all of these transactions over the years. You would think that XXXX payments to the same person would set off a red flag. Btw, they are in XXXX!!! Please help!!
Consumer complaint received 2024-10-31
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC. ()

I have been trying to get assistance from my mortgage company for months to a year now. I am just trying to get my mortgage caught up, so I can start paying again. I fell behind due to loss in income. Every time I send in the items they ask for, they turn around and ask for more items. I sent in the final list of items they needed on  XX/XX/year>. We called back and there was nothing needed. 

Next thing I know they are asking me for a HAND WRITTEN document and all of the same items again.

XXXX days later, a man showed up at my doorstep stating there was a sale date for XX/XX/year>. 

I have every fax and email confirmation that has been sent to New American Funding. They just keep asking me for new things every time I send them what they need and then they assessed a sale date after I have done EVERYTHING they have asked me to do.

I am attaching the documents to this complaint again for review in hopes to stop this impending sale date.

All I am asking for is them to review this correctly. I am ready to resume making my payments again, I just need help getting caught up.
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

Ok so i purchased a policy through all state, they were to contact my mortgage company in order to receive payment as we are not allow to make the payment directly or it will be refunded and still have to go through mortgage, I didn't receive any contact from insurance company, i was the one who contacted them when i notice collection on my credit report, so i contacted the collection company and they told me to my surprise that it was because of my insurance. I then contacted my insurance rep where he inform me it was done in error and he would pay to get it resolved as he had a XXXX and his assist never followed up with my mortgage company. I should not have to have this affect my credit when the actual insurance company didn't follow thru, i asked that this be removed from my credit report asap Thank you
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

While recently checking my bank account I noticed XXXX XXXX charges we did not make. This surpried me because at the time I was in the hospital recovering from a major XXXX and physically couldn't eat solid food ( can prove with documentation if needed ). We rarely use XXXX so I asked my wife about it but she too had not ordered from them. We checked our XXXX account and the last time we had ordered from them had been XX/XX/XXXX, the disputed charges were on XX/XX/XXXX and XX/XX/XXXX. XXXX from XXXX for {$52.00} on XX/XX/XXXX and {$57.00} on XX/XX/XXXX and XXXX charge from XXXX XXXX for {$47.00} on XX/XX/XXXX We bank with Wells Fargo Bank so I called them and submitted a claim for the XXXX charges and an additional XXXX charge I thought was fradulant but was a mistake. They put a hold on the funds for {$170.00} while they investigated. They sent me a letter a short time later stating my claim was denied due to my previous relationship with the vendors and they releasedthe funds. I then called them about the claim letter where they again told me I was being denied due to my previous relationship with the vendors so I requested the documents they used to make their decision as stated in the denial letter. 

They sent the requested documents which was several months of paper bank statements and a breakdown of their decision. We found the disputed charges on the statment and unlike on the Wells Fargo app i usually use the paper statement has part of the name of the restaurant in the description of the charge. I called Wells Fargo again with these recently relized details and the agent confirmed the charge was for a place called XXXX XXXX  after I mistook it for a restaurant outside the US. But they again stated my claim was being denied due to my previous relationship with the vendor and no further action would be taken. 

I looked up XXXX XXXX and it is a XXXX of a kind restaurant in XXXX XXXX Califorina ... .. We live in Virginia . To further reinforce the charges are fradulant my wife made several purchases at physical locations in Virginia on the same dates as the disputed charges which proves we were in Virginia. It was right around the time I was being discharged from the hospital ( again can provide documentation if needed ). Common sense should prove the charges are fradulant because why would we order food on XXXX from a restaurant in California when we live in Virginia? 

I have banked with Wells Fargo for a long time and this is only the second time I had to deal with a claim ( the first time they actually alerted me of the fradulant activity ). I do not feel like my money is properly protected or thebissue properly investigated. The issue remains unresolved. We assume someone gained access to our XXXX account and somehow made the fradulant charges so have chaged our passwords and will be using alternative methods of payment when using vendors like that again.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Finance Company, Inc. (FL)

This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified?

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.

I have never done business With Professional Finance Company Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated. 
Validation of Debt and HIPPA XXXX XXXX. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to Professional Finance Company.

Professional Finance Company collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.
Consumer complaint received 2023-12-08
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: JPMORGAN CHASE & CO. (GA)

I received 2 hard inquiries on my XXXX credit card profile from one Chase credit card application. The XXXX inquiries are listed below : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

JPMCB CARD Inquired on XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

There was a problem with address verification on the initial application on XX/XX/XXXX. I had to submit documentation multiple times through Chase 's portal and docusign. Then no one from Chase would review the documentation until I called back. 
Eventually I was approved on XX/XX/XXXX for the card after only providing my IRS EIN confirmation letter. However, this had already been supplied on XX/XX/XXXX per XXXX XXXX. As a result, I should have been approved for the card within 30 days of the initial application date of XX/XX/XXXX, therefore only resulting in one hard pull. Please remove one of the duplicate hard pulls.

I tried to resolve the matter directly with Chase, and their reprensentative said " hard pulls are not necessarily bad '' ( This is a completely false statement as hard pulls always result in a person 's credit score declining which is objectionally " bad ''. ). Chase also stated they have the right to pull my credit report as many times as necessary which doesn't seem right.
Consumer complaint received 2023-12-09
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 sent out a letter to XXXX and Equifax demanding that they remove 3 unauthorized and fraudulent accounts that were reported to collections. The accounts in play were sold to a 3rd party vendor, which means they are NOT the original creditors. Thus, resulting in the the letter I sent out. Letter was sent out XX/XX/2023, and they received it XX/XX/2023. According to section 609 ( a ) ( 1 ) ( A ) of the fair credit reporting act, it states that ALL credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and ALL accounts that you post on a credit report ''. It has been well over 30 days, and the accounts are still present. And they also violated 15 U.S Code 1692c ( a ), I never game them consent to communicate with me in any way. They have been harrasing me for months.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP (NY)

Dear Sir and Madam, The reason I am sending this complain regarding a company name : XXXX and XXXX XXXX. 

The first time I ever heard from this company is that I received a debt letter over the mail from them claiming I owe them : {$4600.00} around XX/XX/23. 

I have No Business Relationship with XXXX and XXXX ( lack of standing ) or sign any contract agreement with them. 

They did not provide me proof of the debt including validation notice from the XXXX days of the first contact. 

My understanding is that If the collection agency failed to validate the debt, it is not allowed to continue collecting the debt. 

Please see XXXX XXXX XXXX XXXXXXXX After I reply back to them ( XX/XX/23 ) in the 30 days respond under the law term with a Verification of Debt Request, they provide with some documents with lots of missing/lack information. Here is some of the missing info : 1 ) Failure to respond by not providing all document requested from the Verification of Debt request sent to them via priority mail.

2 ) Did not provide proof of license in the state of NYS to collect Debt 3 ) Did not provide or Tell me when the creditor claims this debt became due and when it became delinquent.

4 ) Identify the date of the last payment made on this account with the original creditor.

5 ) Chain of Titles/Chain of Assignments 6 ) The name of the creditor to whom the debt is currently owed ; the account number used by that creditor, and the amount of the debt.

7 ) The amount and age of the debt, including a copy of the last billing statement with date sent to me by the original creditor.

8 ) Provide me with proof of Good Standing under the laws of New York and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Please see also the enclosed copies of letter from them including the response and the verification debt request sent to them. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MS)

I received a coupon for Chase email with an offer for {$300.00} for opening a Chase Total Checking account, {$200.00} for opening a savings account, and {$900.00} for doing both. I opted to do the {$300.00} checking acct. The green button said Open an acct and states Coupon code applied when you click open an account. For the {$300.00} checking offer it asked for any direct deposit to be added to the account. I signed up XX/XX/24 and made a direct deposit XXXX, XXXX, and XXXX XXXX. I reached out to support starting XX/XX/XXXX as I did not receive a bonus for the first deposit XX/XX/XXXX. The representative stated the code was not on my acct and could not be added after 21 days. This is not true because the link stated coupon code was automatically applied when going through the link. 
I then called the chase telephone line and the representative stated they can see the coupon but i'm not a new customer and escalated to his supervisor. The supervisor confirmed that is not true as I have not had a checking account over 2 years and that I was eligible as a new customer and had made proper direct deposits and that they would escalate. A representative called back XX/XX/XXXX and inquired about the account and I gave info about not being customer over 2 years and said he will escalate and call back. No one called back. I reached out the next week and an agent said the ticket was open and to just wait. I followed up again today because no one has called and the agent said the agent closed the ticket XX/XX/XXXX even though he said he was working on it and would escalate still because I had not been a member and was looked at as a new member. 

Used {$300.00} Checking promotion/ Satisfied direct deposit Have not had a checking acct over 2 years Chase is not holding up on their part of the deal to pay bonus. I was mislead with opening acct. I was told by the supervisor I was in the right from Chase because I was a new customer because of time since last closed account, I used the promo. and made a direct deposit. They have since lied to me and not honoring agreement set.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-10-28
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. (MI)

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on XX/XX/year> From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Effective Date 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CO)

I made a Credit Card Payment to BarclayCard US ( Barclay ) in XX/XX/2023. Barclay acknowledges they received the payment and I have supplied them with the ACH Trace ID number as proof. Barclay alleges they returned the payment 5 days later to my credit union but refuses to provide legitimate proof ( such as an ACH Trace ID number ) this actually happened so my financial institution can research it. My financial institution does not have any transaction history that Barclay returned the payment. Barclay believes they are still owed this payment and have been charging late fees and interest which are negatively affecting my credit worthiness. Funds were removed from my account by Barclay and not returned.
Consumer complaint received 2023-12-08
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. (TX)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) 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.