davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (AL)

I was alerted by XXXX and XXXX that the collection agency by the name of XXXX XXXX XXXX  added a file to my credit report. I initially disputed it on XX/XX/XXXX as fraudulent due to the fact that I am not aware of this company nor have I ever signed a contract and/or account with this company. To no avail they did nothing. Fast forward to XXXX, I have researched and revealed that this company is not bonded in the state of Alabama to collect debts owed or otherwise. It is illegal to collect a debt if the company is not registered with the Alabama Secretary of State. This company is not in Alabama 's database.
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I do not know or recognize this debt, ive made attempts to resolve and identify it and those have all failed. I want this to stop and be removed from my report as the information is inaccurate and defamatory and I feel threatened by this company.
Consumer complaint received 2019-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

In XX/XX/2019 my PayPal account was illegally accessed by an unknown fraudster. The fraudster initiated a electronic transfer from my primary bank account to my PayPal account for an amount of {$1000.00}. I became aware of the fraud when I attempted to use my debit card. I contacted Paypal to report the fraud and received confirmation from Paypal, same day as it was reported, that the fraud was confirmed and the transaction would be cancelled. However, on XX/XX/XXXX Paypal notified me that the {$1000.00} transfer was successful and funds were available in my Paypal account. To prevent further fraud, I immedately initiated a xfr of the {$1000.00} from my Paypal account to my bank account. Paypal activity reflects this transaction was processed on XX/XX/XXXX. 

In XXXX, I attempted to close my Paypal account following the sucessful fraud but Paypal had locked down my account which prevented my intended action of account closure. My account was locked down so that I could not initiate any transactions in or out of my Paypal account, can not close my account, or take any other action other than to take steps for verify my account. I have completed each of those steps and I am in the process of waiting for ACH transactions to post to my bank account to finish the verification. As of the date of this complaint those transactions have still not posted. 

After all of this, I received a notice from XXXX XXXX, XXXX, a collection agency, stating that Paypal has placed my account with them for collections in the amount of {$1000.00}. I never received a single late notice or delinquency notice from Paypal, either in writing or electronically. Also, even if I was aware and prepared to pay the so called delinquent balance, Paypal prevented me from doing so until they process the trial transactions as part of the account verification step.
Consumer complaint received 2019-04-13
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: AES/PHEAA (VA)

Pennsylvania higher education assistance/FedLoan  Serving have received payment for all students loans account under page 4 section B of the promissory note regarding payment to FedLoan Serving from XXXX. 

XXXX has deleted the accounts after payment was made regarding the promissory note under the FCRA regulations. 

To report all accounts as paid in full according to the promissory note with the department of education.
Consumer complaint received 2019-04-13
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: JPMORGAN CHASE & CO. (PA)

I need your help in resolving an issue with Chase Bank. 
I have a international visa debit card issued to me by XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX. 
This debt card is tied to my bank account with XXXX XXXX  XXXX XXXX. 
Periodically I use this card for purchase or cash withdrawal in the USA. The dollar amount I withdraw shows up as debt in my account ( equivalent XXXX XXXX ) On Tuesday, XX/XX/2019, I use this card with intention if withdrawing {$700.00} from Chase Bank ATM located at. :XXXX XXXX, XXXX XXXX XXXX, XXXX, ca terminal no. 
What I got was a receipt which says the they have charged my account for {$700.00} BUT it also stated that We arent able to give cash right now. Please call us at XXXX I called the number, it was answered by Chase and was told that since I do not have an account with Chase they can not help me. 
Not have an account with Chase I should go to XXXX XXXX  XXXX XXXX, in XXXX to resolve this issue. 
I called the XXXX XXXX XXXX XXXX, they told me that since the Chase receipt says that no cash was dispensed, I should request them to credit my account in XXXX the amount in XXXX rupees. 
Since then I have been talking to local Chase branch, again to the XXXX XXXX  XXXX XXXX, even the Visa people, no one is able to get me the money. 
Attached is a copy of the receipt I got from the ATM and the line item from my XXXX XXXX XXXX XXXX transaction detail showing that they have debated my account for Rs. XXXX ( equivalent to {$700.00} ) Please help me to get my money from Chase, either as US Dollars ( {$700.00} ) or have them credit my bank account with XXXX XXXX  XXXX XXXX ( account number:XXXX ) for Rs. XXXX BANK : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Thank you very much for your help XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc. (TX)

Hi my name is XXXX XXXX Please help me! 

I am confident that the Consumer Financial Protection Bureau will be able to resolve this issue. I have a collection on my Credit Report from XXXX XXXX XXXX the original Creditor is XXXX XXXX. I sent XXXX XXXX XXXX an Affidavit ( Statement Of Fact ) that was notarized sent certified mail with a delivery receipt. To Verify and or Validate the debt they say I owe. I have attached the Affidavit I sent XXXX XXXX XXXX. I have listed the Violation in the following Statement below : * I sent XXXX XXXX XXXX an Affidavit ( Statement Of Facts ) to Validate this XXXX XXXX debt they say I owe. XXXX never responded to my Affidavit and I have attached the affidavit for your viewing. They sold are assigned my debt to another Collection Company.  This transferring of unverifiable debt to another collection agency without validating the debt is a violation * My 2nd issues is if XXXX XXXX XXXX who is reporting this debt on my credit report. Plus claiming they own the right to this debt. So, why are they refusing to validate this debt? 

* 3rd issues is that I received a letter from Financial Recovery Services trying to collect on the Same debt XXXX XXXX XXXX XXXX refused to Validate. Financial Recovery Services is also claiming in their letter that they are collecting the debt for XXXX XXXX XXXX, but XXXX XXXX XXXX refused to Validate the Affidavit of dispute of the debt I sent them. 

If XXXX XXXX XXXX can not Validate the debt. How can Financial Recovery Services Validate the Debt? These Collections Companies that are using these illegal tactics of not validating a debt then transferring the debt to another collection company that is a violation of the FDCPA. 

Why, didn't XXXX XXXX XXXX Notify Financial Recovery Services that I XXXX XXXX requested the validation of the debt before transferring the debt? The FDCPA requires a cease of all collection activity until the debt is validated. But XXXX XXXX and Financial Recovery Services are trying to manipulate the FDCPA. By XXXX XXXX XXXX. transferring the debt to Financial Recovery Services but, having Financial Recovery Services collect the debt for XXXX XXXX XXXX without validating the debt. These are Major FDCPA Violations. 

Please investigate these illegal tactics and violations these 2 collection agencies are involved in. 

Thank you for all your help.
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

My husband and I have tried fixing the issue with Bank of America several times. The card ending in XXXX shows as paid late. This is not the case. Bank of America rep said our cards where paid in full. The on-line account is 2 months behind. I dont how that can even be a thing and the app says we can not pay through the app. When we called in the rep said our payments where current. Please removed XX/XX/XXXX day late derogatory comments from all credit reporting agencies.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

i have ask several times for the mortgage company ( XXXX XXXX ) to report my account correctly ... they continue to tell me that they are but they are not! i have never been late with this account. They do not even service this account anymore and on my equifax report it shows that they do and that it is open and late. They even tell me they do not service it anymore. XXXX XXXX  is who services my account is what they tell me ... well i know that and they are showing on my bureau open and never late but so is XXXX who used to service my account but it is showing late. I WANT THIS OFF OF MY EQUIFAX REPORT! IT IS NOT TRUE AND THEY ARE HARMING MY CREDIT!
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Bank has denied me a Visa Credit card purely from arbitrary reasons, totally divorced from a rational understanding of my pristine credit rating. 

The bank has employed torturous, offensive, intimidating, humiliating, and abusive credit reporting and evaluation practices that have damaged my credit rating and denied me a Visa Credit Card in the face of the issuance of myriad credit card accounts to far lesser qualified holders. 

Furthermore, Regions has employed clearly offensive, arbitrary, and illegal marketing techniques, in the processing and issuance of a Regions HELOC agreement, to include the refusal or failure to present all the acquired residential appraisal reports for XXXX XXXX XXXX XXXX, XXXX AL, XXXX. 

Regions has reneged on an offer of credit limits because of their failed, erroneous, and needlessly delayed drive-by residential appraisal reports., and because of an incompetent assessment of my then-current outstanding credit use of the target HELOC transfer institution, XXXX XXXX XXXX XXXX   XXXX . Only after significant and tortuous delays, did the bank offer a reasonable credit availability on my residential property. 

Regions has informed me that a " letter of refusal '' of a credit card was merely a failed " machine letter '' sent to me without a rational basis. Such letter I have have no further reason to expect was not a practical and effective letter of refusal by Regions to issue me a Visa Credit Card, one in which I have a limited time for which to complain, such limit apparently not longer than until XX/XX/XXXX, if I understand the letter correctly..
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (FL)

Good day, I started receiving calls from this company several years ago. Apparently, it's in reference to a debt that I have challenged. I have asked them to stop calling my work cell number. They have apparently found other numbers associated with me and repeatedly call. I would say the earliest calls are around XXXX and the latest are around XXXX. The worst was on Wednesday, XX/XX/XXXX at work. Call was about XXXX. When they asked to speak to me I asked who it was. The guy said he was a " surgical doctor '' and needed to speak to me. I challenged and he demanded me to pass the phone to the person he was looking for. I ended up hanging up. 

In addition, I have received emails from this company. Not threatening yet.
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patrick K Willis Company Inc (MN)

A company called SB Investigations is calling me repeatedly. They are not leaving identifying information for what it is in regards to. 

XX/XX/2019 a female called saying they were an investigator and have a case relating to my Dad and that I need to call immediately. ( my dad is deceased )  XX/XX/2019 a female called my cell phone and left a message saying she has a case file and I was being investigated. She then called my place of employment and when I told her not to call my workplace but to leave the details and information on my cell phone voicemail and I said thank you and hung up, she called right back and said she was sending uniformed officials to escort me out of my workplace. 

They call every few days from several different numbers and local prefixes but all have the same message of being investigated. I know there is nothing I would be investigated for. I do have debts, and I am not sure which one this is about. I have a debt consolidation company working with me. I do not understand why it has become so threatening.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WV)

I only got report back from XXXX XXXX, associating myself to addresses and such, but it never showed my credit score, it was just blank, meanwhile the other two credit check companies weren't available or inaccessible, so I am still in the same situation I was in before not knowing my credit score
Consumer complaint received 2019-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Consumer complaint received 2019-04-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization on XX/XX/2019, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days.  Please see items below ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TX)

On XX/XX/2019, Franklin Collection Service ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) marked a collection on my XXXX and XXXX credit reports, severely damaging my credit without any notice nor proof shown. I NEVER received a single letter from Franklin Collection Services,  and when I called them to validate the debt, they claimed to have sent 3 letters to an address in XX/XX/2019. I have not lived in that address for over THREE years, and there is absolutely no way for me to ever receive this mail. The did not notify me of the debt, nor did they notify me of the collection. 

Further, I then sent a letter on XX/XX/2019, via Certified USPS mail ( Tracking :  XXXX ) to Franklin Collection Services requesting immediate validation of the debt they claim I owe. This debt has never been validated, and I have seen absolutely zero proof of the validity of this debt. 

In my letter, I asked Franklin Collection Services to provide me with this validation of the debt. They have been non-responsive and ignored my letter ( which I confirmed with USPS was delivered on XX/XX/2019 ), and continue to report the collection on my credit report, which is having a highly negative effect on my ability to obtain credit. 

I believe that Franklin Collection Services is using the negative impact of the derogatory remark on my credit against me in an attempt to make me pay them money for the debt that have failed to validate. This is a direct violation of my rights. Moreover, the lack of response and providing validity of this debt they claim I owe, then proceeding to severely damage my personal credit file is in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } and the Fair Credit Reporting Act. 

Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, it is my right to dispute the claim and request validation. Under the Fair Credit Reporting Act, it is in direct violation to severely damage my credit with a debt that has NOT been validated. 

This collection agency has over 100 complaints with the XXXX XXXX XXXX ( XXXX ) and is clearly operating illegally and/or unethically. Please investigate this issue as soon as possible.
Consumer complaint received 2018-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

When I last spoke to a representative from Navient, I was told that the previous program I was on, where {$150.00} was automatically deducted from my bank account, was no longer around and that lower interest rates were no longer in place. As a result, the monthly payment is much higher than what I can afford. I work two XXXX  jobs and my third job is at a XXXX, so my wages aren't all that high and can be somewhat variable. Nothing I say to them seems to get through that the payments needed are too high and it's incredibly frustrating. They have since tanked my credit that I've worked really hard to bring up. 
I don't really know what else I can do.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (KS)

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (VA)

I received a phone call on XX/XX/19. Caller left a message by the name XXXX XXXX in reference to my student loans to discuss repayment options. I had just paid mine off so this voicemail seemed like a scam but the caller sounded like a regular person and not automated. They gave a number to call back to, XXXX. This number came up on the whitepages as low risk scam. The caller called from XXXX. This number came up as high risk spam. They gave me a reference number XXXX. I did not call either number. This voicemail is a scam.
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (WA)

On XX/XX/XXXX, I contacted Commonwealth Financial regarding a collections account placed on my credit report. They stated they were collecting a debt for XXXX XXXX XXXX, for ambulance services. I informed them Ive never been in an ambulance in my life. They refused to provide any additional information regarding the erroneous collection. They simply said there was nothing I can do and I needed to pay the debt.