davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NC)

Out of the blue, I received a letter 10 months ago from a collection company, Sunrise Credit Services of XXXX, NY. The letter was dated XX/XX/XXXX, and it was alerting me that Sunrise  was collecting a past-due balance of {$350.00} from me on behalf of XXXX XXXX  XXXX of XXXX XXXX XXXX NY. I was baffled and stunned to receive this notice because I had paid my cable bill in total to XXXX XXXX before cancelling service with them in XX/XX/XXXX and returning the cable box and equipment. I never received any further communication from XXXX after paying my bill in total, canceling service because I moved to another residence and returning equipment. Immediately after receiving this notice about a bogus bill in my name, I contacted the XXXX XXXX XXXX and filed a complaint against XXXX XXXX and Sunrise Credit for trying to collect a bill that was not mine and failing to communicate with me the details of the alleged bill : what were the dates of services, what kind of services, what were the original charges, when did the bill become past-due? In a timely manner, XXXX XXXX sent me a letter notifying me that they will never contact me again or hire any third-party to contact me on the company 's behalf about this bogus past-due claim for {$350.00}. Additionally, I never again heard from Sunrise Credit Services. I was satisfied with the responses and considered the matter closed. However, nine months later, I received an annoying letter from XXXX XXXX of XXXX XXXX, XXXX, advising me that they are collecting the same alleged past-due amount of {$350.00} from me on behalf of XXXX XXXX XXXX for unspecified service charges. Again, this was out of the blue, no earlier letters or phone calls. Further, XXXX XXXX, reported this bogus past-due allegation in the amount of {$350.00} as an unpaid collection to XXXX credit reporting services, which lowered my near-perfect credit score by XXXX points from a near-perfect XXXX to a paltry XXXX. Immediately, I filed a complaint against XXXX XXXX, XXXX and XXXX with the XXXX XXXX XXXX. I am awaiting a XXXX response. XXXX XXXX is the parent company of XXXX. XXXX should have abided by the decision of XXXX to stop any further actions against me for an alleged debt that they could not confirm as mine and could not specify, qualify or quantify or provide specific details of any kind to me because the charges were not made by me. Instead of ceasing and desisting actions against me based on fraudulent and flawed information, this bogus past-due collection was sold to another collection company to pursue actions against me after I was told by the initial alleged creditor, XXXX XXXX XXXX that all attempts to pursue this bogus collection would be stopped. XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (NY)

Today XX/XX/year>, I woke up to see MOHELA had misreported my loan details causing my credit score to decrease significantly and my reported debt to increase by almost XXXX dollars. They had over reported my borrowing and reported 2 more loan amounts that sent my original debt of XXXX to nearly XXXX. When I called, I sat waiting on hold for awhile until I finally got an unhelpful representative. They basically told me there was nothing they could do but file a complaint, to which I did. They said they couldn't fix the credit score but that maybe in 30 to 90 business days that " maybe it would be fixed. '' They, in conjunction with the student aid gov folks, have yet to process or be helpful with the PSLF forms for millions of Americans. This whole student loan debauchery is exhausting, ruining people 's lives, and holding us all back financially. I want something to be done about this and to not be suffering at the hands of incompetent businesses who don't care if I live or die...
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (AK)

i bought a XXXXXXXX XXXX XXXX XXXX XXXX  in XXXX XXXX XX/XX/XXXX came and went and no bill. i finally got a bill in XX/XX/XXXX and they were charging me interest for XXXX bill that i never got. i clled them on XXXX XX/XX/XXXX and was trying to pay the who ; e item off. and they refused to except my credit card payment. which under the ucc 3-603, the bill is considered discharged/payed off. i called them again XXXX XX/XX/XXXX and XXXX XXXX XXXX i told them that the bill is considered payed off when you refuse to except my payment. and again they refused to take the credit card payment. so on XXXX XX/XX/XXXX i get a call from admin recovery XXXX XXXX at XXXX XXXX. i had not even gotten a letter from him. first of all the call was left on my friends house phone with information about the debt that was personal. then when i called XXXX XXXX when i was wanting more time to think about all my options he started to treaten me with my credit, and also said he would call his clients and let them do what ever they wanted to do next. the clienst is not XXXX but td retail card servies/td bank. they do not have a license to do business in alaska. i am also an XXXX  ( XXXX ). so there is elder abuse here.XXXX XXXX  has a license to do business in alaska but the place in XXXX ak has no one in the office. this office is being run by a company in XXXX XXXX nv. they only come to ak once a month if that. i was under pressure to make a decission right then. i was not allowed to wait my 30 days under the law, so i payed them {$1000.00} on a credit card that i did not have to pay because it was already discharged under the ucc 3-603. XXXX XXXX told me that td bank does except credit and debt card payments. i have the recording from all of them. td bank and XXXX XXXX. i have the papers the i have kept. also td bank after six months must discharge the debt. thats their law. i have stuff i can send you in the mail. i have no way of putting it on my computer. i don't know how to attach it to the file.
Consumer complaint received 2024-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc. (GA)

I took out an installment loan to purchase an autopart from a vendor, XXXX. I used ZIP and paid off the loan. It was purchased on XX/XX/year>. The part was returned to XXXX because it was defective. I returned the part back to the company on XX/XX/year>. The company issued a refund but it was sent back to ZIP since that is where it originated. I contacted ZIP and made them aware that the card that was used for the loan was no longer valid and had been canceled. They were notified prior to sending the money back to the invalid car, however, they still sent the money to the card. 
I continued to contact them to plead with them not to send the money but to no avail. I needed this money to purchase another part so that my car could be repaired. 
ZIP ignored all of my pleas and requests. 

I reached out to the banking institution that the money was sent to with the closed account and they told me that the money would be returned because there was nowhere for it to be deposited. 
I also asked them for proof that the money was not accepted and they provided me with the transaction record. I brought this to the attention of ZIP and they did not care as long as they can say that they attempted to make the deposits. 
Meanwhile, almost a month later, I still do not have my money. I provided ZIP with a copy of what the bank gave me as well. It shows that the deposits were not accepted by the bank and rejected. ZIP is still responsible for making sure that I receive my money and they are not trying to refund my money. Please help me get my money back and hold them accountable. 

ZIP stated that they send the money back on the card that was originally used regardless of whether it is no longer valid. They do not offer any other form of refunds which is ludicrous. I have never heard of such a practice. They have done this to many individuals I have discovered. This practice seems highly illegal and unprofessional
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2022-01-25
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: Colony Brands, Inc. (NJ)

In XXXX of 2021 Swiss Colony started showing as past due on XXXX and XXXX. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called Swiss Colony who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, Swiss Colony stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called Swiss Colony again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX XXXX XXXX : XXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$360.00} related to account number XXXX XXXX. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 
XXXX. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. 
XXXX. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: ICUL Service Corporation (NJ)

I received a {$150.00} XXXX gift card as a wedding gift in XX/XX/XXXX and made transactions between XX/XX/XXXX and XX/XX/XXXX. However, I noticed recently that XXXX began charging me a monthly {$5.00} inactivity fee since XX/XX/XXXX, currently amounting to {$50.00} in charges. These fees are illegal according to New Jersey Rev Stat 56:8-110. 

According to this statute, it is unlawful to charge inactivity fees on gift cards before 24 months from the last use. Moreover, after 24 months, any dormancy fee must not exceed {$2.00}. Given that my last use of the card was in XX/XX/XXXX, these fees should not have been applied until at least XX/XX/XXXX. 

On XX/XX/XXXX, I checked the amount of money on the card before I attempted to use it, then I noticed all of the fees. I promptly contacted customer service to dispute the fees and they made a request for reversal. On XX/XX/XXXX, I was informed that my request for a refund had been declined because the card was purchased in Virginia, which allows such fees. However, I clarified that I am a New Jersey resident and the card has only been used within New Jersey, where the inactivity fees are prohibited. 

I contacted customer service again on XX/XX/XXXX, and learned that there had been no resolution. I reiterated the legal concerns regarding the fees, and entered yet another escalated dispute without addressing the issue at hand. I called for a third time on XX/XX/XXXX and learned that the issue still was not resolved. 

On XX/XX/XXXX, I checked my account and discovered that only {$25.00} had been refunded. I called customer service for the fourth time to inquire of the remaining {$25.00}. I was informed that they could only reverse {$25.00} as a " one-time courtesy. '' This is absurd, as it implies that they are doing me a favor, when in fact the fees charged are clearly in violation of New Jersey law. I had the issuing bank reach out to them and XXXX responded saying Upon review of this gift card, it shows the gift card was purchased in the state of Virgina. Therefore, it is subject to inactivity fees for that state, not the state where the buyer may have mailed it to. There was a fee reversal of {$25.00} given as a one time courtesy to the gift card recipient. We apologize for any inconvenience this may have caused your member. However their disclosure says " Unless prohibited by your states law, if you do not use Card for 12 consecutive months, a {$5.00} monthly inactivity fee will be applied starting in the 13th month of inactivity. '' The disclosure does not specify nor distinguish where the card was purchased nor the recipient 's residence.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 XXXX XXXX
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: EAST WEST BANK (CA)

Dear Madam/Sir, Please help us to solve this issue ( A recurrence of the issue is the same situation as the previous COMPLAINT ID : XXXX, SUBMITTED : XX/XX/year> ). 

The issue is stated below : * ( Before Due Date XXXX ) Outstanding Principal Balance : {$100000.00} * ( For The Due Date XXXX ) - Payment Requested : {$1000.00} - Interest : {$650.00} - Principle : {$340.00} * Total We Paid : {$6600.00} = {$1100.00} ( Paid by XXXX XXXX ) + {$5500.00} ( Paid by XXXX XXXX XXXX ) * Mortgage Department / East West Bank - Received {$1100.00} on XX/XX/year> - Received {$5500.00} on XX/XX/year> * ( Interest For Due Date XXXX ) {$650.00} * ( Total Principal Reduction For Due Date XXXX ) = {$5900.00} ** {$5900.00} = {$340.00} ( Principal Reduction from {$1000.00} for Due Date XXXX ) + {$130.00} + {$5500.00} ( Extra Principal Reduction for Due Date XXXX ) * Therefore : For Due Date XXXX, The statement should be : - Outstanding Principal Balance : {$100000.00} - Payment Requested : {$1000.00} - Interest : {$610.00} - Principle : {$380.00} * But, in the statement : Mortgage Statement ( Statement Date : XX/XX/year> ) ** Next Payment Due Date : XX/XX/year> - Outstanding Principal Balance : {$100000.00} ( Incorrect ) - Total Amount Due : {$1000.00} - Principal : {$350.00} ( Incorrect ) - Interest : XXXX ( Incorrect ) ( # 1 ). We request to make the correction of the Outstanding Principal Balance on the statement of Next Payment Due Date : XX/XX/year> : - {$100000.00} ( Incorrect ) - {$100000.00} ( Correct ) ( # 2 ). We requese to revise the statement for the Next Payment Due Date : XX/XX/year> - Payment Requested : {$1000.00} ( Correct ) - Principle : {$380.00} ( Correct ) - Interest : {$610.00} ( Correct ) ( # 3 ). The error recurrence happened which is the same situation as the last time we had reported. We can't help needing to report directly and also want to know whether they are always on purpose doing so. 


***** We appreciate your precious time and help. ***** Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY XXXX XXXX EXPERIAN CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I have a PayPal account with my email. To note, I have my bank account linked to my PayPal account. On XX/XX/year>, I saw on my bank statements that 2 withdrawals were made with each amount being XXXX XXXX so in total XXXX $ were withdrawn from my account. I didn't realize it until a couple of days later when I accessed my email. On XX/XX/XXXX, someone gained unauthorized access to my account and added a number ending in XXXX. I got the email from PayPal on XX/XX/XXXX at XXXX. The same day, at XXXXXXXX XXXX, I got an email stating : " XXXX XXXX, your password changed ''. Not only did they acknowledge me by someone else, the hacker changed my password. On XX/XX/XXXX at XXXX, I got another email from PayPal saying : " XXXX XXXX, you removed your bank account ''. Again, they are not referring me by my name and by someone else. Also, the bank account that was removed was : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received another email from PayPal stating that they are processing my request to transfer funds to my PayPal account from my XXXX XXXX account ending in XXXX. XXXXThey ended up adding their XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I get another email saying that the XXXXwo deposits that PayPal Sent to the bank account to confirm the bank that was added was returned. Same day at XXXX XXXX, password was changed. On XX/XX/XXXX at XXXX, I got an email from PayPal saying a new user was added : XXXX XXXX was added as a second user. I created my case but PayPal deems is as authorized use. Fast forward to XX/XX/XXXX, I removed the hacker 's phone number and added mine ending in XXXX. Today on XX/XX/XXXX at XXXX, the hacker removed my phone number and added theirs ending in XXXX. PayPal is refusing to give me back my XXXX $ despite me opening cases and appealing. They are not even asking for documentation or my emails I have been receiving. I have spoken to many agents from PayPalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and still the same thing.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NY)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix this issue directly with them they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.