davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc. (AL)

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/year>, I received a message from Chase bank stating that my business account ending with XXXX are restricted and the email asked me to call the bank to address the issues. I called the bank right away and they said the account are already closed. I dont know whats going on. The customer services didnt share with me why and they insisted that the bank just closed my account. So far, I still dont know what issues are with my bank account. I would request bank to share the details with me.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Ive been a customer of Chase Bank for 22 years. My Mortgage, checking, Credit Cards were all with Chase Bank. I also had a XXXX nonprofit account with XXXX XXXX  which I started in XXXX to help XXXX patients and hardships in my community. I decided since most of my transactions were with Chase Bank I would move my XXXX there. On Monday XX/XX/XXXX I had a meeting with a XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, NJ, XXXX. After writing a check of {$26000.00} XXXX XXXX told me there would be a hold on my money till it cleared, ( never mentioned a 9 day period ) I was aware of that process because Ive done this before and normally had access to my funds in 3 days. I kept looking at my account and did not see my funds, I called XXXX XXXX and she said it would be held for 9 days. I told her I was going to close the account and she saidyou still can not take your money till it clears. I told XXXX XXXX I called XXXX XXXX  and was told the money had cleared. I feel my money is being held hostage by Chase to use as they wish for 9 days. XXXX XXXX never discussed the time frame of clearing, if she told me 9 days, I wouldnt have opened the account. This money is crucial to XXXX patients going through treatment for free services with Wigs, Turbans, mastectomy Bras, Pre-Cooked meals while in treatment. I think Chase should be held accountable for this since there is no reason my cash is on hold after being cleared by XXXX XXXX. 

Thank you, XXXX XXXX/ Founder
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/year>, I placed an order on XXXX using PayPal as my payment method. I had explicitly set my preferred payment method to be my credit card, as is my right as a consumer. After making this change, PayPal provided a clear confirmation by email ( attached ) that my credit card would be the payment method used for online transactions. However, once the transaction was processed, PayPal charged my bank account without my authorization. I did not give permission for PayPal to charge my bank account, and I specifically ensured that my credit card was selected for this transaction. This is not the first time I have experienced this issue with PayPal. 

This is part of an ongoing pattern of behavior by PayPal, where they charge the consumers bank account even when the preferred payment method is clearly set to a credit card. This is both serious and fraudulent, and I believe PayPal engages in this deceptive practice to save on transaction fees. It appears that PayPal may be prioritizing its own financial interests over the choices and preferences of its users. 

This is a warning to all PayPal users : DO NOT link your bank account if you plan to use PayPal for any purchases. PayPal has demonstrated a pattern of charging bank accounts, even when users have selected their credit cards as the preferred payment method. This is fraudulent behavior, and consumers should be aware of these risks. If you use PayPal, consider removing your bank account entirely to prevent unauthorized charges. 

PayPals practices are unacceptable, and I urge other consumers to exercise caution when using their services.
Consumer complaint received 2024-10-03
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (OH)

I sent XXXX and LVNV FUNDING a debt validation letter on XX/XX/year> asking for the copy of contract and that they have a consulting fee of XXXX everytime they contact me without what i asked for in debt validation letter. Today XX/XX/year> XXXX contacted me again about paying alleged debt.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

VALIDATION AND CEASE AND DESIST MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

VALIDATION AND CEASE AND DESIST PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Concord Servicing Corporation (OH)

To Whom It May Concern, I am filing a new complaint against Concord Servicing , LLC due to their failure to resolve my original complaint regarding the transfer of my account from Equiant. Despite their acknowledgment that Concord Servicing acquired Equiant, they failed to provide me with proper legal notification of the account transfer, as required by law, and prematurely closed the previous complaint without providing a valid resolution. 

Background : In my original complaint, I raised the following issues : 1. Failure to Notify of Account Transfer : Concord Servicing , LLC failed to provide the required notice when they acquired my account from Equiant, as per 15 USC 1641 ( g ) of the Truth in Lending Act ( TILA ). They were legally obligated to notify me within 30 days of the sale or transfer of my loan. I never received such notification. 
2. Failure to Notify of Servicing Transfer : If the servicing rights of the loan were transferred, RESPA requires that both the old and new servicer notify me of this transfer in writing. This notification never occurred. 
3. Inaccurate Credit Reporting : As a result of the failure to notify me, my credit report now shows inaccurate information, including the name Concord Servicing , LLC, a company I had no prior knowledge of, and this has caused significant harm to my credit score. 

Premature Case Closure : Concord Servicing, LLC responded to the CFPB and closed my initial complaint, claiming that no payments were affected and that the account remained the same. However, this does not address their failure to comply with the notification requirements under the law, nor does it rectify the damage caused to my credit report by their inaccurate reporting. Simply stating that the account history has remained unaffected does not absolve them of their legal obligation to notify me of the acquisition. 

Legal Violations : 1. 15 USC 1641 ( g ) ( TILA ) requires that borrowers be notified of any transfer, sale, or assignment of their loan within 30 days. I never received such notification. 
2. RESPA requires that both the old and new servicer notify borrowers in writing of any servicing transfer. I did not receive any written notification about Concord Servicing taking over the account. 
3. 15 USC 1681e ( b ) ( FCRA ) requires that information reported to credit bureaus must be accurate. Concords failure to notify me of the change has resulted in inaccurate information being reported, which has harmed my credit score.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Time Investment Company, Inc. (FL)

I took out a loan in XXXX  to finance a XXXXXXXX XXXX XXXX I financed {$3400.00} I made the suggested payment of {$47.00} for over a year. I decided to pay off the loan this year and at that time discovered that my payment had only applied to interest with none of the payment applied to the balance Can this be legal I feel foolish and taken advantage of I am a XXXX  XXXX XXXX XXXX at the time. I do not recall any explanation that the suggested payment was only for interest How long would this have gone on? 
The loan was with Time Investment, XXXX XXXX XXXX, XXXX XXXX, Wi also another address is XXXX XXXX XXXX, XXXX, AZ XXXX or physical address XXXX XXXX XXXX XXXX, XXXX, Az XXXX XXXX XXXX Fax XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (AR)

I have written to XXXX, via certified mailed. I informed XXXX that I received letters from XXXX XXXX XXXX XXXX Bankruptcy Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus. 

XXXX did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the XXXX request them to list my personal information. This is a violation of my privacy. 

There is no written nor verbal consent from me to report my private information to any bureau, XXXX, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC (VI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Final Request for Deletion of Inaccurate Charge-Off Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was cancelled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law.

I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA.

Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your prompt attention to this Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (VA)

We are a XXXX  family and last XXXX we executed a XXXX XXXX XXXX XXXX XXXX XXXX ). I had my mail forwarded through the US Postal Service, but I did not receive a credit card statement from XXXX XXXX As soon as I was made aware of the issue, I made a payment for the credit card charges and updated my mailing address with the company. There was an issue with updating the card online with XXXX vs. with the credit card issuer, but I later updated my mailing address with Citi once collection calls began. 
I've had several phone calls with XXXX  and due to issues with their customer service being located outside the US, explaining how mail forwarding works was not successful. A few months ago I was able to speak with a US-based customer service agent and thought the issue would at last be resolved. Unfortunately, the agent could not reverse older late and interest charges, so they told me I would need to mail in proof of my XXXX change of address to have those fees and charges removed. I did so in a XXXX letter. Last week I received another form letter from XXXX informing me that my credit report had been reviewed and was correct. 
At this point it has nearly been nine months of trying to resolve the issues with XXXX XXXX I've sent three letters ( the first in XXXX ) and spoken with their customer service, following their instructions. Meanwhile late fees and interest charges are charged on the original late fees and interest charges and negative reports are communicated to the credit bureaus. I do not believe any actual charges are outstanding, but despite requesting an itemization of the account charges, I have not received any account review.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I noticed something strange when applying for a financial product. I started the process of filing an identity theft report with the FTC, and began freezing all of my credit reports, which meant creating accounts for the first time with each of the three credit reporting entities.

Everything was fine except for Experian. When I tried to create an account, it said there already was an account using my e-mail. When I tried to use a " forgot password '' link and send a one time code to my phone or email, nothing ever arrived. Eventually, I used a secondary e-mail address to create my account and freeze my credit, and then from there change my email address to the one I tried to sign up with in the first place. This seems to indicate that anyone who has gotten my information from a data breach has free reign to create havoc at Experian, but maybe I'm missing something. 

Either way, when trying to address this issue, there is XXXX XXXX for fixing it. All of the available phone numbers I have found ( XXXX different numbers ) all lead to automated phone services that direct me to the website, but no way to contact anyone regarding this issue. The other credit reporting entities do not seem to have this problem. Experian is avoiding consumers and exposing them to financial risk by not giving them a clear and concise way of addressing issues. They are neglecting their duties by doing this and need to be audited and held accountable. 

Here are the numbers I tried, please see for yourself : XXXX ( the customer service line, no customer service personnel ) XXXX ( the fraud line, with no connection to fraud department ) XXXX ( Supposedly a business account line, same prompts, by saying " transfer me '' I did get the automation to state it can only transfer to a XXXX in specific circumstances with no further explanation ) XXXX ( CA XXXX XXXX, I get hold music by saying I am a business account but no one is answering ) XXXX ( Another false business accounts line ) XXXX ( Fraud Detection with no fraud department connection, automated ) XXXX ( Technical Support with no technical support personnel ).
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AK)

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I am trying to set up credit freezes with the three credit reporting companies for an " incapacitated adult '' with XXXX who without clear awareness wracked up thousands in credit card debt and is now in collections due to them opening credit cards without anyone 's knowledge. The three companies have different requirements and methods of application. XXXX was clear and easy to follow. XXXX requires unobtainable items such as a birth certificate for someone born in XXXX versus the SS card number and a valid state or federal ID. The worst by far was Experian which has a hyperlink advertising " minor children and incapacitated adults '' ( https : //www.experian.com/freeze/center.html ) but when you click on it, there is not a single mention of incapacitated adults on the entire webpage ( https : //www.experian.com/help/minor-request.html ). I used the help and search features with nothing showing up. I called every single number I could find online. The phone tree provides no opportunity to ask a general question or provide the answer to this one. It eventually cut me off - at every single number I used ( XXXX, XXXX, XXXX- which I received an automated response the email was decommissioned XX/XX/XXXX. ) HOW IS A CONSUMER SUPPOSED TO USE THESE PROTECTIONS IF THEY ARE SO INACCESSIBLE? This should not be hard or varied. It is no wonder people don't use this protection. Who has the time, energy, and patience to put up with this abysmal delivery of services?