davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jon Barry and Associates, Inc. (VA)

Paragon Revenue Group XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/year> XXXX XXXX ( 9 ) Duty to provide notice of status as medical information furnisher A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. 

( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

( 2 ) Deadline A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information
Consumer complaint received 2024-04-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (LA)

CFPB Complaint and Dispute Letter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : Complaint and Dispute Regarding XXXX XXXX XXXX Dear CFPB, I am writing to file a complaint and dispute against XXXX XXXX XXXX ( XXXX ) regarding a debt they are attempting to collect from me. I am disputing the validity of this debt and I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. 
Dispute of Debt I am disputing any and all claims made by XXXX XXXX XXXX that I owe them a debt. I have no knowledge of or responsibility for this alleged debt. 
Revocation of Communication Rights I hereby revoke all of XXXX XXXX XXXX ' rights to communicate with me regarding this alleged debt via email, text message, or phone call. All future communication must be done in writing and sent to the address listed above. 
Request for Debt Validation According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation notice that details the amount of the debt, the name of the original creditor, and the date the debt was incurred. I request that XXXX XXXX XXXX provide me with a complete and accurate debt validation notice as soon as possible. 
Request for Purchase Agreement I also request a copy of the purchase agreement between XXXX XXXX XXXX and the original creditor for this alleged debt. This document will help me to determine the legitimacy of the debt claim. 
Request for Proof of Licensure and Bonding Furthermore, I request that XXXX XXXX XXXX furnish me with proof of their licensure and bonding to collect debts in my state. 
I am concerned that XXXX XXXX XXXX may be violating the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that I do not owe. I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX if necessary. 
Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX ( ID and PROOF )
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL (FL)

I have PayPal Credit Card. PayPal offers XXXX  XXXX  with 6 months deferred interest on purchases over {$99.00}. You can complete your transaction on the PayPal app. I recently paid for professional services of dancers and used the PayPal Credit Card to pay for those purchases. The amount involved is approximately {$1400.00} ( two separate transactions ) on XX/XX/year>. The dancers did not want to incur the fees charged to withdraw the money and asked me to send it as friends/family. I thought that I would be absorbing the fee so that the dancer could receive the amount we agreed to for services. If they had increased their charge to cover the fee, because the amount of the fee is based on the amount of the transfer, it would increase proportionally. PayPal says using friends/family to send the money caused the payment to be treated as a cash advance. Although, sending the money to pay an individual would have resulted in the same characterization, i.e. a cash advance. Cash advances do not receive the special financing terms of 6 months deferred interest and begin to accumulate interest immediately at 29 %. This is where the XXXX XXXX terms become a bit more layered. I have a transaction under the XXXX XXXX that is about to expire and if the balance is not paid in full by the expiration date, then the deferred interest is added to the balance of the account. PayPal notifies you when a XXXX XXXX promotion is expiring and the amount you must pay to avoid the deferred interest. My expiring promotional balance is {$1600.00}. The amount that I must pay to avoid the deferred interest is {$3000.00}. The reason the amount to avoid the deferred interest is {$3000.00} is because PayPal applies any payments you make to cash advances first before the special financing terms. Although PayPal will allow you to allocate your payment to the XXXX XXXX promotion to avoid the deferred interest. I am now in a situation where I have inadvertently taken a cash advance at 29 % interest and potentially more based on other Special Financing promotions that I may have. There should be clear explanation that a transaction constitutes a cash advance and is not eligible for the promotion. I believe PayPal is aware of this practice and I believe that it is misleading and deceptive to have consumers believe that they are purchasing something under the XXXX XXXX terms only to find out that it was not eligible after the fact. This transaction can lead to financial hardships for the uninformed consumer, especially in the current economic climate with increasing interest rates.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Specified Credit Association, Inc. (IL)

( XXXX ) XXXX Specified Credit Incoming Call at XXXX XXXX  Notified that the call was being recorded. 
Stated to debt collector that letter that was sent was never received. 
Verified address over the phone 2 times. 
Asked for a new letter and debt collector refused to send over another letter. 
Asked for a certified mail letter and debt collector got angry and said No we are not sending you any certified mail. I proceeded to ask why not and just blatantly refused to mail me anything that is certified. 
I asked about the debt amount being collected and was very condescending and treating me in a childish manner when explaining things and said lets pull out the calculator and do some calculating. 
Was attempting to collect the debt and did not have the contract on hand and proceeded to get angry when I asked questions about what was the debt and did not want to pull the contract out. Started getting loud and refusing to send me a certified letter again and again and I ended the call by saying Goodby Mam Thank You
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

CHASE Bank refused to comply with the XXXX New York State Five year rule on reporting paid charges off credit card accounts.

New York State General Business Law Section 380-j ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than XXXX years ; The credit card has been in unpaid charge-off status since XX/XX/XXXX and its now for XXXX years and will be balance paid only on the contingency that CHASE will immediately comply with the NYS. Remove the charge off after its paid.
Consumer complaint received 2024-04-24
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: 1st Franklin Financial Corporation (LA)

1st Franklin Financial. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. Any information to prove that I authorized these companies to pull my credit report. However, I never received anything and 1st financial is located in XXXX XXXX, LA where I aside and they said it was done online which I never did and they did provide dates.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (FL)

Hello, My name is XXXX XXXX. I am the owner of the company XXXX XXXX XXXX. My company used the services of Mercury online banking for a long time. My account was closed on XX/XX/XXXX due to incoming wire of XXXX XXXX After we tried to contact Mercury several times by phone numbers but unsuccessfully ( as we understand Mercury has only customer support via email - but at the moment we have problems with our corporate email ). Thats why I text now from my personal email. We need your help to get the funds back. 
Regards, XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CO)

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for DISCOVER BANK ACCOUNT tradeline as reported by XXXX. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent. 
Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have had ongoing problems with identity theft since XXXX. To date my information has been compromised in the XXXX data breach, XXXX data breach, and now the XXXX data breach. I also have an ex who opened credit cards in my name after I filed for divorce but the police never managed to file charges, he is incarcerated for unrelated charges at this time. My identity monitoring service ( paid for by XXXX ) and XXXX accounts regularly report that my information is on the Dark Web. I have to keep my credit files frozen and use a pin number to file my taxes. 

In XXXX I was alerted somebody in Alaska  had opened up what appears to be a XXXX credit card in my name and maxed it out in XXXX. I have repeatedly disputed this with XXXX and the three credit bureaus in a timely manner. I can prove I am a lifelong California resident and I have never lived in Alaska. 

In XXXX of this year I received an email from Resurgent/LVNV funding basically stating that I need to pay them for this fraudulent XXXX account. I responded via certified mail that its not my debt, its id theft, that I refused to enter in to any contract with them, and that I would not pay. I also told them not to contact me again. Last week I received a bill in the mail from their affiliate XXXX XXXX XXXX stating I needed to pay them for this XXXX  account. I sent the same letter via certified mail this week and the tracking number says it will arrive on XX/XX/XXXX. 

This morning I received an alert that LVNV has reported a collections account to XXXX. I have disputed this with XXXX and filed a police report. I had previously filed a report on Identitytheft.gov.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmerAssist A/R Solutions, Inc. (NY)

In XXXX of XXXX and XXXX of XXXX, I have requested several times from XXXX to investigate the inaccuracies and to provide information regarding the proof received. No information has been provided.
Consumer complaint received 2024-02-02
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom It may Concern. 
My name is XXXX XXXX, who has Capital credit card XXXX digit XXXX. 
On XXXX, I tried to order XXXX XXXX with XXXX and before submitting, the XXXX asked to charge me cash advance and need to pay some fees, too. I did not agree and closed it, but XXXX still took my money in my account without my permission. I called to report with Capital-One help me to take my money back in my account. But again, on XXXX XXXX, The Capital-One allowed XXXX  took my money {$1000.00} without notifying me at aIl.I called themmany times asked me to cancel and uploaded the cancellation and refund letters on XXXX XXXX On XXXX XXXX called to talk to XXXX XXXX, who's manager of Capital-One. She asks me to write this letter to verify that I have not received any money yet..In my card, I have {$500.00} available for cash advance, but Capital one allowed XXXX  take XXXX cash advance.Now They let me deal with XXXX by myself Capital one did not protect their customers at all
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

XXXX XXXX XXXX Flat XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX REQUEST FOR 1099c Dear Sir/Madam, I am writing to request a copy of the 1099c form for the debt that I owed to your company, which was charged off. The debt in question is related to account XXXX and was charged off for the outstanding balance.. 

As tax season is wrapping up, I noticed that I have not received the required forms for a reported charge off. It is illegal to withhold a 1099c. When you are the fiduciary you have a responsibility to the trust. If you have submitted a 1099c to charge off the debt on the IRS side but did not supply a copy to me that is willful negligence and you are preventing me from being in compliance with the IRS. If you have not submitted this debt on your profit and loss, then this is considered tax fraud for manipulating the loss with a failure to report. I will exercise my right to use form 3949a information referral & form 211 which is reported to the whistleblower address for the IRS. I will also file a police report and report this to the Secretary of State in which your entity is registered. 
It is essential for me to have all the necessary documentation regarding my financial affairs, including the charged-off debt. I understand that it is a requirement that your company file a 1099c form for this debt, and I kindly request your assistance in providing me with a copy of this document. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more. You are blatantly enforcing an alleged debt after you have received a tax benefit from the charge off. 
Having the 1099c will enable me to accurately report the charged-off debt on my taxes and ensure compliance with all tax obligations. I would greatly appreciate your prompt attention to this matter and the timely provision of the requested documentation. I need to resolve this matter efficiently and appreciate your cooperation in helping me meet my tax responsibilities. 

Thank you for your attention to this request. I look forward to receiving the 1099c for the charged-off debt as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, I received a letter from Wells Fargo stating that I must have flood insurance on my loan because XXXX has determined that my home is in a XXXX XXXX  I called my insurance agent to inquire about XXXX insurance and the agent informed me that my current insurance policy has XXXX insurance and it is stand on home owners insurance policies for manufactured home like mine. I made several calls to Wells Fargo to try to get the issue resolved and after speaking to several representatives, I thought the issue was resolved, but on XXXX XXXX I received another letter from Wells stating that they were cancelling my escrow account covering flood insurance at my request and that I would be liable to pay my entire loan balance plus the cost of the floor insurance as a result of my request.I never authorized any escrow account for flood insurance and I fell that this is another attempt by Wells Fargo to intimidate me and try to take my property from me and this is an ongoing tactic that Wells Fargo is using to scare me and harass me in a way that causes me mental anguish because I have filled complaints against them in the past.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This morning, I was stunned to see inaccurate accounts appear on my credit report without any warning. I always check my report regularly, but this time, unexpected errors just showed up. I refreshed my browser hoping it was a temporary glitch, but nothing changed. These inaccuracies stayed on my report, and I felt helpless. Im asking for a thorough review of the documents Ive provided so I can finally put these concerns to rest.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

Tran Date Posted Date Description Clr Check # Withdrawals Deposits Balance Hide Pending Add Transaction XXXX {$26000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX  XXXX XXXX - XXXX  {$2400.00} pymt was only to b XXXX i did not auth the above pymt, thier web site a problem also staying on the phone with them, they tk an unauth pymt, and also XXXX XXXX late chg which needs to be XXXX, the ltr i got XXXX XXXX owe nothing on late chgs was on it, also put in XXXX  XXXX XXXX XXXX it its their problem, they dont or add other veh to XXXX XXXX XXXX wont add the other vechile where it has add other veh