davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Re : Account number : # XXXX Dear Portfolio Recovery Associates, Thank you for your recent response dated [ XX/XX/year> ], but I must express my continued dissatisfaction with the handling of this matter. You have failed to address key points in my dispute, and I am demanding further clarification and action. 
Firstly, your response fails to provide any proof of a signed contractual agreement between myself and your company, which is required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). This documentation is necessary to substantiate your claim that I owe this debt and that Portfolio Recovery Associates has the legal right to collect on it. 
Additionally, as a " Debt Buyer, '' you must provide proof of legal ownership of the debt. I have reason to believe the original creditor has already written off this debt as uncollectible, which calls into question your standing to collect on it. According to IRS guidelines and 15 U.S.C. 1692a ( 5 ), if the original creditor has been compensated for this debt via a tax write-off, it is not a valid debt for collection. You have failed to address this concern in your response. 
Furthermore, while you claim to furnish information to credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ), this does not absolve you of your responsibility to ensure the accuracy and validation of the information you report. If you can not verify the accuracy of the reported information, the credit reporting agencies are required to remove the entry. I demand that you either validate this debt or remove it from my credit report. 
Regarding the XXXX XXXX ( XXXX ), while you claim that you are not required to provide opt-out notices, I disagree. Under 15 U.S.C. 6801, consumers are entitled to opt-out of having their personal financial information shared with non-affiliated third parties. Your failure to provide me with the necessary opt-out information violates this statute, and your response does not adequately address this issue. 
Given the continued lack of documentation and compliance with federal law, I am once again demanding the immediate deletion of this account from all consumer reporting agencies. Failure to comply with this request will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I will also seek legal counsel to protect my rights if necessary. 
Please confirm in writing that this account has been deleted from my credit report. I expect a response within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Management Services, Inc. (CA)

I believe the account is invalid. ACCOUNT MANAGEMENT SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

ACCOUNT MANAGEMENT SERVICES XXXX, XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MA)

CAINE & WEINER COMPANY INC,  i was contacted by this company about a debt i was presumed to owe   XXXX   XXXX   (  XXXX  $  ).  I asked kindly for them to forward something in writing. they stated they already had and would not do so again. I tried to explain i had no record and that possibly i had misplaced what had been claimed to be sent. still no luck, then i tried to further explain that with all the robots and scam collection efforts in this country that i really needed this confirmation, I received no less than  4  calls from the same collections person presumably in California, same thing each time, they did insist i contact progressive, I asked if they were the ones servicing the debt? answer yes, again asked them to confirm by mail and assured them we could do something about the debt than all would be happy, still no luck they were unwilling and somewhat inconsiderate and unhelpful in the collections attempt, also disputed was the amount, they would have no part of this, ultimately  XXXX  did contact me about an error in the amount (  XXXX  $  )! !! but by this time the debt had been reported to the credits agencies b y Caine & Weiner.  it would seem unfair if not illegal for a company or person be able to report a debt for collections if they are unwilling or unable to service a debt
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

Between the dates of  XXXX  a steady repayment method has been made of nearly  XXXX  a month to Federal/Private student loans.     Having become  XXXX , I have recently fallen into financial hardship and have requested a delay of payment but   Navient is now taking action to send me to collections.
During struggling periods, this is not the first time repayment methods have become a problem with Navient.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OK)

Citi di d not credit my account with the  XXXX   ThanYou  reward points I was promised for opening a new ThankYou Preferred credit card and meeting  minimum spending requirements back i n 2014.
Consumer complaint received 2017-05-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Please read the attached documents outlining my concerns and response to  Dovenmuehuel  Mortgage. I have been put 30 days past due  in all  XXXX -credit bureaus and  XXXX  for a problem the   XXXX   XXXX   XXXX   XXXX  has owned up to and provided me with a letter to submit  to Dovenmuehuel.    Dovenmuehuel refuses to remove the derogatory information from my credit reports, and this has destroyed my credit worthiness and score respectively. After numerous conversations with Dovenmuehuel, I  have been told to live with it, because they do not have to change anything in my credit report because it is correct, regardless of the fact that another financial institution created the mistake.     I am in desperate need of assistance here. Thanks to  XXXX , with CFPB, she coached me on how to submit a complaint and work to get this matter turned around.      Dovenmuehuel has destroyed my perfect payment history with the credit bureau, along with my credit score. Because it is a VA mortgage and now shows 30 days past due one-time, I can not even refinance at a higher interest rate just to move my mortgage away from Dovenmuehuel. It is sad that the se high-powered institutions can destroy your credit and your life overnight, and laugh about it as it happens.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX .
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Several months back I signed up for Transunion 's credit monitoring subscription on their phone app for {$1.00} to work on improving my  XXXX  score. The following month I noticed the charges of {$19.00} in my bank statement. Unfortunately, being  XXXX   XXXX , I put off calling Transunion to cancel the subscription due to   XXXX   XXXX  . Then when I checked my bank statement for the month of  XXXX  I noticed that Transunion began charging me {$24.00} without informing me. I also noticed that not only did the  XXXX  charge of {$24.00} post to my account on  XXXX , but  XXXX  more charges of {$24.00} being processed on  XXXX . I immediately called Transunion to cancel the subscription and demand a refund. They informed me that my subscription would end  XXXX  and that only  XXXX  of the charges would be refunded within  24 h ours. This Transunion employee attempted to keep my patronage by offering reduced subscription fees as well as a month free. I respectfully declined.  48  hours later and no refund posted, I called Transunion back to find out why I have n't received my money back. The Transunion employee thanked me for informing them of the accounting glitch and that a refund would take up to 30 days. I then came across the article regarding the CFPB 's investigation of the  XXXX  credit bureaus and their predatory practices and fraudulent charges. I would also like to point out that at no point did Transunion offer me my free annual credit report. I Then decided to call the CFPB to submit a complaint. After a brief automated answering system, I was immediately put through to a woman named  XXXX  who directed me to this website as well as the process. And here we are ...
Consumer complaint received 2024-10-24
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: Synovus Bank (NY)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

Had fraudulent charges on my account from XXXX XXXX  for a XXXX XXXX XXXX XXXX XXXXXXXX which clearly wasnt me. The total amount of charges was {$900.00} and was made on XX/XX/XXXX - XX/XX/XXXX in XXXX transactions. XXXX admitted this wasnt me and blamed my bank for allowing the transactions. TD Bank denied my fraud claim.
Consumer complaint received 2017-05-05
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: SYNCHRONY FINANCIAL (MI)

My credit card acco unt ( PayPal through Synchrony Bank ) is se t up with automatic electronic payment. On  XX/XX/XXXX  an automatic payment of {$3300.00} was transmitted to Synchrony Bank as payment in full on the balance of ou r PayPal acc ount. In  XX/XX/XXXX , the transmission of the  XX/XX/XXXX  payment was documented on the credit card statement. It was also reflected on our Checking account statement. On  XX/XX/XXXX  another entry was made to our  PayPal   credit card statement reversing the {$3300.00} payment, however no such entry appeared on our checking account statement. In  XX/XX/XXXX  we called Synchrony Bank and tried to resolve the issue. They said that our bank took the payment back. We contacted our bank and they said no they did n't. We have made multiple phone calls to Synchrony Bank asking where the money is and have not been able to resolve the problem.  XX/XX/XXXX  I sent a letter with a spreadsheet showing that all the payments have bee n made.I d id receive a letter from Synchrony bank on  XX/XX/XXXX  saying that their records show that the payment to our account was applied twice, so I see another entry on the credit card statement showing the  XX/XX/XXXX  entry ( that was a debit of {$3300.00} originall ly ) h as now been changed to a credit of {$3300.00} and another entry on  XX/XX/XXXX  of {$3300.00}  ( de bit ) was also entered. Out of frustration, we have closed this PayPal account. By changing the debit of {$3300.00} on  XX/XX/XXXX  to a credit of {$3300.00 } ( a lso on  XX/XX/XXXX  ) a double entry has been made. They have netted my payment to  XXXX  with the  XX/XX/XXXX  entry. We do not owe this amount. They need to find where they have put the money. To make matters worse, we have been reported to a collection agency. I have added documents showing we paid the bill, that Synchrony Bank received the payment, and all my monthly statements showing no reversal of the money has been put back in our bank. I have also included the summary showing the bank changed the credit to a debit and then reversed it again  XX/XX/XXXX .
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (NY)

APPLE CARD XXXX GS BANK USA Account Number XXXX XXXX Is reporting to XXXX and XXXX that I owe {$3400.00} on a {$2500.00} credit limit card. The account shows closed and charged off. 
About a year ago someone from Apple called me to ask if Im trying to open a card I told them no and they said they will flag the application as fraud. Now Im checking my credit report and I see theres a collection from Apple. I contacted them about it and the representative said how its under investigation and the back office will call me. I asked them when they will call or if I can call they said theres no number they will contact me. This is reporting negatively on my credit report and I want it off because I kept telling them this account is fraud and does not belong to me. Hes saying they cant remove it.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MA)

Since XX/XX/XXXX I was on a repayment plan with XXXX XXXX XXXX  that was to end in XX/XX/XXXX. The payments were for XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, XXXX XXXX XXXX is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' XXXX XXXX is reporting to the credit bureaus that at this time I owe sinceXX/XX/XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. XXXX XXXX has claimed today, XX/XX/XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and XXXX XXXX is the only company that does not have me current on credit reporting. Now that I am current with XXXX XXXX, they need to update the credit ASAP.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I have submitted a direct dispute with XXXX Experian XXXX XXXX providing proof of identity theft proof of address XXXX XXXX XXXX XXXX XXXXXXXX tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XX/XX/XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation XXXX  Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries 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 FRAUDULENT ACCOUNTS ( XXXX XXXXXXXX XXXX XXXX XXXX And all inquiries ( asap ) Experian fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

So roughly in early XXXX I noticed a couple fraudulent charges of roughly XXXX $ on my debit card from an app called send app I was able to dispute them and receive my credit. I left my account unnoticed for a while to which when I returned to check for the credit from the other dispute I am bombared with hundreds of charges from a company called XXXX XXXX which totaled roughly XXXX XXXX Roughly around the XXXX of XXXX. I quickly call TD Bank to dispute the charges to which the customer service files them incorrectly which I spend the rest of the month fixing as well as filing more disputes because some of them are not cleared yet. However I am Suprised with a letter stating that my disputes were denied under investigation that I verified the transactions in which I did not. I make a call back to re dispute the claims in which they ask for a police report which I gladly file and fax on the XXXX of XXXX. Finally in the most recent couple days the re file was denied and then they ask for a affidavit that I did not verify the transactions which I happily do but the company had completely blocked me from appealing the dispute
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (NV)

Valon mortgage bought my mortgage then would not transfer my insurance. I called multiple times and was assured it was being handled. They allowed my XXXX  to lapse so they could sell me their own XXXX at a very high premium. My mortgage went up {$300.00} a month to cover their in house XXXX plan. I believe that since my mortgage is XXXX XXXX  they couldn't buy it and make any money so this is how they do it. I could not get another insurance company to cover me because Valon showed my XXXX  had lapsed. When they wrote the new policy they back dated it to my " loss of coverage '' date so there is no lapse of coverage either.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management is claiming these debts are open balances. I do not believe that these debts from Midland Credit Management that are being reporting on my credit reports are valid. Midland Credit Management last reported XX/XX/XXXX for {$3500.00}, opened XX/XX/XXXXXXXX The amounts are showing as open balances, the date is incorrect, the amount is incorrect, and I have not received any validation of debt despite my attempts.
Consumer complaint received 2024-10-01
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NATIONSTAR MORTGAGE LLC (MA)

Since XXXX of XXXX I was on a repayment plan with Nation Star mortgage that was to end in XXXX of XXXX. The payments were for XXXX due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, Nation star mortgage is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' Nation Star is reporting to the credit bureaus that at this time I owe since XXXX of XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. Nation Star has claimed today, XXXX XXXX, XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and Nation Star is the only company that does not have me current on credit reporting. Now that I am current with Nation Star, they need to update the credit ASAP.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CAPITAL ONE    XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   XX/XX/2017    VIA : Certified Mail #    XXXX    Re :  XXXX  CREDIT REPORT #  XXXX  ( 1 ) U NAUTHORIZED INQUIRIE (  S )  Consider this notice that you  have 30 days to respond point by point and with validation exactly accordi ng to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a Consumer and since  CAPITAL ONE did   not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX  XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.