davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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: National Credit Systems,Inc. (AL)

On XXXX I sent a letter asking for validation for this collection I was responded by the company with some papers from the original creditor I then requested them to validate that I am obligated to pay them as a company they have yet to supply me with the documents that I asked for which was Name on file of alleged debtor : Alleged Account # : Address of file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? No Yes Amount paid iT debt was purchased : Commission for debt it collection eftorts are successtu : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this allegea debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pav Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open Have any insurance claims been made by any creditor regarding this account? ( ves, No ) Have and judgements been obtained by any creditor regarding this account? ( yes, no ) Please provide me the name and address of the bonding agent for Collection Company Name, in case legal action becomes necessary Date Creditor.

Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transter agreements. which would establish vour rights to collect this alleged debt within 30 calendar days from the date of receipt of this letter. They Have yet to provide a contract showing proof that I am obligated to pay them. I have never signed a contract with NCS and I am asking them to provide proof to me that I am obligated to pay them and that they have rights to take this debt they keep responding with information that isnt the information I am ASKING for I AM NOW asking this account to be deleted off of my credit report within fifteen days and I will suing for 1000 for each inaccuracy that was made upon this account
Consumer complaint received 2017-01-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I had originally purchased a set of bar chairs for my kitchen from XXXX ( Creditor : XXXX XXXX ). At the time of purchase I was told that they only had one in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had one of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that XXXX failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency PORTOFILIO RECOVERY ASSOCIATES without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from PORTFOLIO RECOVERY ASSOCIATES and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.
Consumer complaint received 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

I am being charged for a bill for XXXX that I did not have on the date it is said never had XXXX during that time or address I was living at.
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (WA)

XXXX which is XXXX of those credit bureau is practicing unethical business example. They have also failed to provide copies of form of ID used for opening such service from this so-called shady collection agency. I Sent out debt verification request ( XXXX, {$530.00}, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ) to the shady collection agency " XXXX XXXX XXXX XXXX They have failed to provide such proof within the 30 days of timeframe, then again, it makes seem like this wrong charge has been sold out by another shady branch of theirs collection agency called ( " RESURGENT CAP '' XXXX XXXX XXXX # XXXX, XXXX XXXX SC XXXX ( XXXX ) XXXX ) Both Transunion and those bogus and shady collection agency have failed to provide debt verification and keep posting wrong charge information on my credit report
Consumer complaint received 2023-05-18
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: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX this month Wells Fargo assumed credit from XXXXXXXX XXXX XXXX  holding with XXXX XXXX. 

On XX/XX/XXXX I noticed a fraudulent charge on my account that was supposedly done on XX/XX/2023. I notified Wells Fargo and they said the entry was not a normal entry with no address or phone number of the Hotel charging my account. They also noted that the entry could not be disputed because their computer would not allow them to make that choice. They said that day the charge would be resolved within a few days. 18 days later they are still saying I need to make a fraud claim that they say their computers wont allow ... .lol So I cancelled my account but they have yet and dont seem interested in deleting the charge. I need help. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (FL)

1. XXXX XXXX - XX/XX/2021 2. XXXX XXXX XXXX - XX/XX/2021 3. XXXX XXXX XXXX - XX/XX/2021 I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax furnish this information. 

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

on XXXX/XXXX/XXXX my mortgage company received my XXXX/XXXX/XXXX mortgage payment. They reversed the payment and applied to the principal because as they explained I could not be ahead due to my bankruptcy. They never notified me of their actions. I continued to pay every month. At the end of XXXX when my bankruptcy was over I get this call asking for the XXXX XXXX payment which I had just paid. As we argued the gentleman stated I had bounced my payment for XXXX/XXXX/XXXX. After investigating the matter they found they had not serviced the account correctly however they refused to correct their error. I was not ahead I was on time. I have been charged late fees which they collected from the extra amount I was sending to apply to the principal. Instead of reversing the payment that they applied incorrectly and making current, they now are offering to accept a short sale or I can sign my house to them in lieu of foreclosure. The bank in question is Select Portfolio.
Consumer complaint received 2023-05-18
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. (MD)

After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by The XXXX. The company claimed that I owed for something I disputed with them. I have yet to receive any written communication from them. I have recently had negative hits on my credit report from XXXX XXXX. I have not been given the proper documentation and they are taking illegal action to place this on my credit report without going through the proper procedure of debt collection. 

Please have them provide physical evidence that I have a legal obligation to pay XXXX XXXX. That is exactly all I need. Please provide me with the name of a written agreement, signed contract with XXXX XXXX, the money owed, and license number. If they can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable XXXX  and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I contacted my lender about a Home Modification. They sent me a checklist of the information that they needed to process the modification. I provided all the information within 30 days. I missed nothing all forms were provided by me as requested. I am a retired XXXX with excellent organizational skills. So, when I say I provided all the information I am totally accurate! Well, to make a long story short, they kept informing me they did n't get some of the information they needed. So, I would resend what they needed. They they would say they did n't get something else. A year went by without them taking any action. They would always say we need more information, more income verification pay stubs etc. My loan with them is at 7.5 % I make a payment of XXXX per month, about XXXX goes toward principle XXXX is interest. Been paying this since 2008.
Consumer complaint received 2023-05-18
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I am filing this complaint against [ ] because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on [ Dispute and letter dates from results portal or we can provide these ] with no results and with no response. They are engaging in plausible deniability of the following issues. 

account closed XX/XX/14 We bought a brand new XXXX XXXX with a loan from Ally Financial. Along with that we also purchase the GAP insurance incase anything were to happen. Unfortunately a year after purchasing the the car. My wife was at a light with our children in the car and a drunk driver came over the from the other side of traffic and ran into the truck head on and totaled the vehicle. We only had one car at the time and didnt have means to keep making payments before all the approval that the car was totaled and GAP kicked in to pay off the vehicle. During this time our account went past due and as you can see in the account it was paid off by GAP insurance because it was deemed totaled. Since then if you look up my history with Ally weve purchased and sold many vehicles using Ally. We currently have a longterm savings account with them. So our track recored with getting and paying off loans is there. This mark on our credit is a faulty example of what occurred and were asking for it to be removed or we will take a legal action.
Consumer complaint received 2024-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (MA)

I am the treasurer of the XXXX XXXX, a 501 ( c ) 3 organization that supports a local elementary school in XXXX, MA. On XX/XX/year> someone spoofed the email address of the XXXX president and requested a payment through Paypal. After subsequent email exchanges on XX/XX/year> at XXXXXXXX XXXX I initiated the payment in the amount of {$4800.00}. I received a call from the XXXX president immediately that it was not in fact a request from them. I contacted PayPal, could not get through to customer service on the phone so I filed a fraud claim with PayPal. I concurrently contacted our bank, XXXX XXXX. XXXX XXXX froze our account so that when PayPal attempted to debit the funds the following business day ( XX/XX/year> ) the transaction was rejected. PayPal have advised that there is nothing they can do according to the terms of the transfer and if we do not send the {$4800.00} to PayPal they will send this money for collections. PayPal has the bank account information of the individual who committed fraud and therefore has recourse to getting those funds back. They however are making no effort to do so. If they know a fraud has been committed then surely they have an obligation to help remedy the issue and should not be able to hide behind their terms and conditions at the expense of their customer. I am seeking assistance in getting PayPal to try to recover the funds so that I do not need to either XXXX ) pay out of pocket after being the victim of a fraud or XXXX ) create a deficit for the XXXX XXXX and therefore not be able to support the teachers, students and families of the school.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My wife and are currently in the middle of a loan modification work out with Select Portfolio Servicing. We have been resubmitting all of the same paperwork for the last two and a half years and we still ca n't get a closure from this lender. 
Now our loan is being transferred to a new servicer on XX/XX/2016 and SPS our current servicer put a foreclosure sale date on our property of XX/XX/2016. 
Hears the unethical business act that SPS is doing to us, we are currently in the loan modification workout dept. 
We really need help stopping our Foreclosure Sale Date on XX/XX/2016. We have followed every request and guideline from SPS and now we are going to lose our home because of the lack of knowledge and again the unethical business practice that SPS feels they can get away with and nobody will file a complaint.
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (IL)

I received a letter in regard to a debt I do not owe. Most likely as a result of identity theft. The amount of {$880.00} is not mine. I received no letters or any receipts of any bills that pertains to this account. The collection just showed up in my mail 3 years after it was opened.
Consumer complaint received 2023-05-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Hello, I tried to open a CD account with capital one bank. They have been holding my money since I made the deposit. I was told they needed to verify my information and I had all the information that they needed to verify that my money is legit I am guessing. Once the rep saw my i.d . and obviously didn't like what they saw, they decided to close down my account. Will not refund me my money and the last time I called they gave me a number to a voicemail that never returned my calls. I have yet to receive my funds and they are not giving me any information other than they don't know.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (PA)

I have been a customer with " CHASE BANK, For 15 years. I have three Credit cards. 
One was opened in XXXX, the other was opened XXXX, and also a Business Card for 3years. However, I have never been late for a payment. To date I have aXXXX-Credit score. I always paid more than the minimal amount requested. I even paid off my balance in full. Every time for 15 years straight that I have applied for a Credit increase, for all three ( 3 ) accounts I was denied for erroneous reasons, that does not match my profile. When I call in to speak to an Agent to get clarity, I'm Told : ( you will receive a letter detailing the reseasons ). I'm strongly starting to feel discriminated against because of my ethnicity. As a consumer this is a matter that needs to be brought to light.
Consumer complaint received 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

I applied for a Barclays XXXX XXXX credit card in XX/XX/year> and I was approved. After receiving the card I was unable to activate and received a message to contact Barclays who requested additional information to confirm my identity.

One of the items they requested was either A ) A utility bill with my name or B ) A savings or checking bank account with my name I am unable to supply either of these as I live outside the XXXX most of the time and do not have utility bill in my name and I use a brokerage account for my checking and savings and Barclays made it clear that I could not use a brokerage account. 

My credit card account had been set up for autopay and while this was going on, Barclays charged me {$99.00} for the yearly fee. This was deducted from my wife 's checking account. 

I have called Barclays multiple times requesting the card account be closed and the yearly fee refunded as I can not use the card and have not way of activating it based on their policies. 

They have told me repeatedly that they can not close the account unless I provide the additional documentation requested which I have already told them I can not do.

It is a Catch-22 situation and makes no sense.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (FL)

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. 

Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX, Account # XXXX has violated my rights XXXX 

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.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3500.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$3000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX : Account Number : XXXX : Balance : {$740.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$4200.00} 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.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (OK)

There are XXXX credit cards with Chase, obtained for airline miles. We typically use a single check to pay off the XXXX credit card balances, including the deposit tear-off sheet in the credit card balance. for some reason, XXXX account received all the credit, leaving the other XXXX with balances. Three written requests were made to Chase to transfer the surplus money in XXXX account to pay for the charges in another. On XX/XX/2017 we were sent a letter. By the time we received the letter, on XX/XX/2017, Chase was threatening to close the account.