davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (MA)

Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. 

Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
Consumer complaint received 2015-04-13
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (NC)

I am contacting you in regards to a dispute between me and my financial institution. Me and XXXX XXXX were previously using a venue as our wedding venue. We have agreed to part ways in business and per XXXX who is the merchant and business owner, we had the deposit of XXXX refunded back to our debit card ending in XXXX minus a XXXX processing order fee equaling XXXX. My bank is requesting a receipt from that business or a confirmation that this refund is in regards the deposit of XXXX-XXXX processing fee= XXXX ( refunded back ), the original transaction from your venue to my card ending in XXXX was XXXX from XXXX XXXX XXXX XXXX done on XXXX/XXXX/15 and the method of payment was debit card. I have informed them that the merchant is refunding back the full deposit and that the XXXX was XXXX of XXXX payments equalling XXXX They are refusing to provide me my money back and have made it impossible for me to speak to a supervisor. My account was negative and it paid the negative balance back but they are not wanting to give me my money back. I have informed them that this money is vital to dfeed my children, and to take care of my daily life yet I am being treated like a criminal and not given realistic options even fter I have contacted the merchant. I am just looking to get my money back and I will no longer do business with this company after this
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (TX)

I have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!!
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC (GA)

A company called JH Portfolio is wrongly reporting a collection account on my credit file with all three national credit bureaus. XX/XX/XXXX a company named XXXX was incessantly calling me about collecting an alleged debt. I told them to contact me by mail. On XXXX XXXX, XXXX they sent me a letter claiming that JH Portfolio has hired them to collect money from me and that they were offering me 70 % discount on {$2300.00} I owe JH Portfolio debt Equities. So they were asking me to send them {$690.00}. I responded to XXXX letter asking them to validate their claim, which they never did. But to my surprise and without any notice, on XX/XX/XXXX JH Portfolio reported a collection account for {$2300.00} with remarks saying '' account placed for collection '' in XXXX/XXXX/XXXX and " Date updated '', XXXX/XXXX/XXXX. 
These remarks are strange since JH Portfolio Debt Equity appeared on my credit reports for the first time on XXXX/XXXX/XXXX and I am not sure who placed a collection account with them. JH Portfolio Debt Equities did not sent me a notice for {$2300.00} debt before inserting negative information on my credit file. On XXXX XXXX, XXXX I addressed them a letter asking for debt validation. Until now I have not heard from them but on XX/XX/XXXX they inserted new remarks on my credit reports saying '' account information disputed by consumer, meets FCRA requirements ''. How can account information meet FCRA requirements when they inserted negative information without prior notice to me and are refusing to respond to my request for validation?
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC (TN)

Jh portfolio debt I have a unverified account from Jh portfolio collection. I had previously disputed this account. I have never done business with agency. Pursuant to the fair debt collection practice act ( fdcpa ) I disputed the validity of the debt. I request that jh portfolio provide verification of the following : 1 ) the original application or contract. 2 ) any and all statements allegedly related to this debt. 3 ) any and all signed receipts 4 ) any and all canceled checks 5 ) original date of default and collection activity begin 6 ) whether you purchased the debt 7 ) the date ( s ) the debt allegedly accrued 8 ) an itemitzation of the costs, including an accounting for any additional interest, charges, or other fees placed on the account. I want to request jh portfolio debt cease and desist all further communcation activity and provide verification of purported debt. On XXXX XXXX jh portfolio also reported to XXXX credit reporting that I paid XXXX $ on said account. I would like documentation i.e. Voided check, debit card payment or printed receipt of said transaction. Misstating the consumer paid on this account may constitute a violation of fair debt collection practice act. The FDCPA prohibits the use of any false or deceptive or misleading representation in an attempt to collect a debt see U.S.C 1692e
Consumer complaint received 2019-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I contacted PayPal on XX/XX/2019 via secure message on their website and reported a fraudulent attempt by someone who was trying to link their PayPal account to my bank checking account, which is linked to my own PayPal account. The PayPal verification system uses a deposit and then withdrawal of two small amounts into and from the account, when I noticed this activity on my checking account from an unknown PayPal user, I alerted PayPal immediately. The verification transactions were initiated on the same day. 

PayPal did not take this fraud alert seriously. They responded with an automated message containing general information about bank account verification. I responded by telling them to stop with the automatic replies and answer my query. 

On XX/XX/2019, I received a secure message from PayPal associate " XXXX '' in which they stated that the deposits were " most likely just to validate if the bank account is still active ''. This clearly shows that they did not even read my message carefully, because if this was to validate my account, it would have been initiated from my PayPal account, not someone else 's! 

I responded by stating clearly that this was almost certain fraud, I attempted to upload the transaction information to PayPal, however their file upload system was not working. I asked for a fax number to send the time sensitive fraud information. 

TWO DAYS later, on XX/XX/2019, PayPal responded by stating that " a transaction or activity I don't recognize may have been initiated by a family member or part of a pre-approved payment ''. Once again, they did not take it seriously. 

On XX/XX/2019 I received a message from PayPal associate " XXXX '' in broken XXXX stating " Request you to please explain the situation so that we can assist you ''. 

Then I received another message by PayPal associate XXXX asking me to call them via telephone. I do not conduct business via telephone, I have told PayPal this dozens of times, I replied to this effect and then I received another message from " PayPal Customer Support ( no name ) stating " we're required to speak with you by phone to complete this specific request ''. Once again, nothing taken seriously. At this point, I lost my temper and told them to go XXXX themselves. 

They have still not responded to, or addressed what is an unquestionable fraud attempt. I had to have my bank account frozen to prevent unauthorized transactions.
Consumer complaint received 2019-01-29
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. (GA)

Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies.

I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate.

Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (OH)

I have a a unverified account from CREDIT MANAGEMENT XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NC)

This company contacted my cell phone at XXXX EST. DId n't leave a message and when I called it back thinking it was a number from someone I was expecting they say that they are closed and provided the website to make a payment.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

USAA Bank closed my checking account due to attempted access by an unauthorized company. I disputed it and eventually had to have CFPB to resolve it. USAA closed the account but did not open another account for me due to the attempted fraud.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft.

Immediate removal of these fraudulent items from my credit report. 

An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I have a credit fraud alert on my 3 credit bureaus. Even with the fraud alert the 3 credit reporting agencies continue to allow my credit to be pulled with out my permission. Credit inquiries count against my credit scores. 95 % of the 50 plus credit pulls are not because i have requested my credit to be pulled.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

We uploaded documents to Experian in XX/XX/2023 for XXXX XXXX  sons to freeze their credit reports. I received response letters from Experian with random names- one a girl and another boy. We suspect fraud. Trying to confirm their credit is frozen, add alerts on their files and get assistance us with a resolution. I can not reach anyone at Experian. We have no association with the other XXXX XXXX listed and they violated those children 's privacy on the letters they sent too. We are concerned this sensitive information was stolen or my children 's names were sent to someone else. No problems with XXXX XXXX and XXXX.
Consumer complaint received 2015-12-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake.
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (KS)

I submitted my first complaint against LTD financial services on XX/XX/25 in hopes to come to an agreement on this debt. I requested an accurate summary of charges and was only sent a move out statement. I was not satisfied with the response so I contacted the original creditor on this matter and was told that LTD would have an itemized list of charges for what the damages and cleaning fees were for. LTD financial services refuses to give us this list and I believe the chargers are incorrect. I would be happy to pay my debt if anyone was willing to give me the itemized list of charges for the " Damage fees '' and the " Cleaning fees. '' I do not think it should be too much to ask to see what I am paying for. This is what I have been asking for for nearly 2 years now, XXXX XXXX XXXX have been very helpful in helping me find the information that was available to her and for that I am appreciative, however I seem to be hitting a brick wall with LTD Financial Services. When I ask for an itemized list for the next ( third ) time, I expect to receive just that. Not a move out statement ... Again. Thank you.
Consumer complaint received 2018-07-13
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: Radius Global Solutions LLC (AL)

Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named XXXX XXXX XXXX. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.
Consumer complaint received 2019-11-15
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: EQUIFAX, INC. (CO)

To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a XXXX   veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX XXXX  loans starting with XXXX reporting inaccurately to XXXX, Equifax and XXXX. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged  accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

referred two accounts, but haven't received the bonus promised. Opened an ticket ( XXXX ) with them and they told me that I was eligible to receive the referral bonus, but after several months, nothing received ... Contacted them again, their CSR and supervisor just told me that ticket had been closed and they couldn't do anything now.
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I owe ace cash {$300.00} for a payday loan. 
Due to financial difficulties I was unable to pay. I explained this to them. Now Im receiving threatening calls telling me they are filing to the court and making this public. Also that they will go to my workplace and speak to my supervisor. They told me they will sue me for over {$3000.00}. This is very stressful I have no money in my bank account to pay. I asked for a month extension they said no because {$300.00} is not a lot. And they will not wait another month to file this. They told me good luck in court.