davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company came up on my credit report twice and with different account numbers on all 3 credit bureau. OnXXXX amount is of {$XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (SC)

showing different account numbers on all three bureaus. It shows Im 90 days past due when I have never been late. No 30 or 60 day late payment just a 90 day late payment for different months across the bureaus. Billing history with aidvantage doesnt show anytime being late in XXXX. Information not being reported but showing its up to date and last activity needs to be updated. Not showing a payment amount. Not showing the terms of the loan agreement. Showing numerous FCRA violations that I will be seeking {$1000.00} retribution for every violation on my consumer report. Update, correct, or delete immediately as this inaccuracy will not be tolerated as it is damaging my credit report.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I hope this message finds you well. I am writing to urgently address a significant issue I've been experiencing with my Chase Business account, which was unexpectedly closed on XX/XX/year>. The closure was purportedly due to funds received from a trusted business associate, which were later reversed, leaving a balance of {$25000.00} in my account. 

Despite assurances that a check would be mailed to me for the remaining balance, I have not received anything after nearly a month of waiting. Upon contacting customer service, I was informed that the funds can not be released until I provide proof that the funds in question were legitimately intended for my account. 

The Chase Fraud team has requested the phone number of the business associate who sent the funds so they can verify his authorization. However, all attempts to provide valid contact numbers associated with him and his business have been rejected by Chase, stating they are not registered to him. This has created an unreasonable delay in releasing my rightfully owned funds.

Furthermore, the related company, owned by a close friend of minewas also involved in this transaction. Despite having multiple business accounts with Chase under the same company name, funds from both accounts have been inexplicably tied up, impacting both our financial operations significantly.

I am deeply troubled by this situation as it has caused significant financial strain, preventing me from meeting essential business obligations such as unpaid bills and invoices. The lack of clarity and consistent denial of valid information is exacerbating the issue unnecessarily. 

I kindly request your immediate intervention to resolve this matter swiftly. I am prepared to provide any necessary documentation or facilitate direct communication with my business associate to verify the legitimacy of the funds and facilitate a resolution. 

Your prompt attention to this urgent matter is crucial. Please advise on the next steps to ensure the swift release of the remaining funds and closure of this distressing episode.
Consumer complaint received 2024-08-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

I have a {$6000.00} debt from hunter warfield and they took it off by disputing it because I asked for proof of the leasing agreement and they did not have it. However, they recently added it back plus another charge for {$100.00} of debt from them. I got it taken off because I wanted to fix their wrong doings & also build my credit back from how far down it has knocked me. Please let me know what I can do for this. Thankyou.

Email : XXXX # : XXXX
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Tango Delta Financial, Inc. (WA)

On XX/XX/XXXX, we received an e-gift card master card for {$150.00}, we only used it once and still has a reminding balance of {$38.00}, but it is impossible to use the remaining balance, it is because an e-gift card, we only are able to use it for the online transaction. 

1 Initial Decline for Utilities Bill : The e-gift card was declined when attempting to pay a utilities bill of {$38.00}. The utilities company was unable to provide a reason for the decline. 

2 Instacart Transaction Decline : The card was also declined when trying to use it on XXXX for a total of {$34.00} ( including a {$3.00} tip ), even though the available balance on the card should have covered this amount. 

3 XXXX XXXX Order Cancellation : An attempt to use the card for a {$36.00} merchandise purchase at XXXX 's resulted in an order cancellation due to a card error. XXXX 's refunded the {$36.00} back to the card. 

4 Unresolved Refund from XXXX XXXX : Despite XXXX 's refunding the {$36.00} on XX/XX/XXXX, the card company is holding the money for 30 days and the amount still needs to be returned to the e-gift card. 

Inaccurate Explanation from Card Services : When contacting the card services number ( XXXX ) at least 5 times and they do not solve it, they claimed that the XXXX amount exceeded the available balance, which is not valid according to my records and evidence. They are unable to explain why I cant use it on utility companies and Macys. 

The desired resolution, which is to have the remaining balance of {$38.00} refunded to me in a check, the e-gift is a scam and we do not trust them anymore, and to address the stress and inconvenience caused by this situation.
Consumer complaint received 2024-07-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it I have reached out before trying to get this Debt off my credit report your company responded that you guys have the account that was opened with the same email i have provided in this complaint. That donot properly showing proof of certified mail with Receipt with my signature Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
My attorney and your legal staff will agree that non-compliance with this request
Consumer complaint received 2024-07-24
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Attached is a gift card for {$750.00} that when I went to use was used fraudulently and amex sent me new card and not sure why they decided to send to state when expiration date is XX/XX/32. However beside the point as I have been denied the usage of this gift card at everywhere American Express is accepted. The only place I have been able to use Amez Gift Cards is XXXX so I am asking for cash out on this gift card or the CFPB to adivse AMEX to stop advertising that their gift cards are accepted everywhere American Express is accepted.
Consumer complaint received 2024-07-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically XXXX years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than XXXX years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX XXXX XXXX from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (TX)

Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically XXXX years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than XXXX years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

XX/XX/2024 I made a {$40.00} deposit on Chime acct about XXXX minutes later a company called XXXX ( cable and internet ) charged my Chime card {$39.00}. I have no clue who this is it says cable and internet. I dont have cable or internet! I have tried to get in contact with this company with o luck this money was withdrawn at XXXX XXXX XX/XX/XXXX I immediately contacted chime to stop pending payment they were no help either and denied my claim I filed with them. This almost cost me my job I had deposited the money to chime so I could get XXXX the next day to get to work
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (TN)

I recieved an email on XX/XX/XXXX from XXXX XXXX XXXX XXXX about a debt they said I owed. I requested more information and they uploaded the credit card statements to my portal. These statements and this account are for another person named XXXX XXXX who was living in Texas when they had this card. That is not my name nor have I lived outside of Tennessee. I reached out via phone and email multiple times to dispute this and then did a dispute on XXXX most recently and then are saying it is my debt but how can that be when it is for another name and address and they have not verified the social obviously bc it is not me. I have lease statements, drivers license, paystubs etc all showing I live in Tennessee and have for years and my name has never changed. I want this fixed as it's now showing as a collection on my account. they are not doing their job to accurately verify this data and it is affecting me and taking my time to repeatedly dispute their error. I am including the credit card statement they sent me, my last 3 lease agreements at the same address I've lived at for 6 years, my drivers license, and screenshot of the email I've sent to XXXX  about this that no one has responded to. I don't know how much more information I can send to prove I am not this other person and this is not my account.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATION/XXXX  I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX XXXX Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt.

I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW XXXX. DEPT OF EDUCATIONXXXX {$1200.00} - ACCOUNT # - XXXX XXXX. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Consumer complaint received 2024-07-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (TX)

Good day, My mortgage was bought by Mr. Cooper and since then I have been having an increase on a monthly basis. They have obtained all required documents. I reach out to them XX/XX/year>. I spoke with multiple representative and each time its an additional 7 days of investigation for a result, that is currently ongoing for two months now. We also spoke to them about withholding upcoming insurance increase because we were shopping around for a different policy. They went ahead and pay to increase before end date and also paid our new policy leaving our escrow in shortage. We haven't been submitting the required documents to get our disable veterans exemption applied and they haven't done so. which is causing a drastic increase in our monthly payment.
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IA)

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (WI)

Nelnet, XXXX XXXX XXXX, and Department XXXX XXXX XXXX have entered into an agreement with me to discharge my student loans under the ( XXXX  ) Total and Permanent XXXX Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the consumer. My rights are being violated by having my private information shared and I want it to stop as per 15 U.S.C 6801 which states It is the policy of theCongressthat each financial instution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information ''. Portfolio Recovery Associates account number XXXX has violated my privacy rights and 15 U.S.C 1681 Section 604 A Section 2 : which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. Portfolio Recovery Associates and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information nor my written consent. Any and all consent to XXXX, XXXX, XXXX, and Portfolio Recovery Associates whether it be verbal, non-verbal, Written, implied or otherwise is revoked. Portfolio Recovery Associates are also in violation of 15 U.S.C 6802 ( b ) ( c ) as they never informed me of my right to exercise my nondisclosure option. The Portfolio Recovery Associates account number XXXX in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S.C 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 - 313.9 and is currently in violation of said legal authority. XXXX, XXXX, and XXXX are not maintaining reasonable procedures as 15 U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NC)

I received a parking ticket from XXXX XXXX XXXX XXXX in XXXX North Carolina. I called because I lost my ticket and wanted to pay the amount I owed on the ticket. When I call and gave them my information the ticket was resolved and 3 days later I got another charge for the same amount. So in total, I have been charged {$160.00} dollars for a ticket that was only {$80.00}. This needs to be fixed immediately