davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/2024 my car registration got suspended by the XXXX tolls and bridges there are affiliated with this collection agency I was told by the XXXX tools and bridges that I was approved for a payment arrangement the payment arrangement is a total of {$13000.00} the balance before that was XXXX I also have a XXXX XXXX but the company was doing is charging my XXXX XXXX and also charging a tow by mail with the violation I recently spoke to somebody in a collection department That was supposed to get back with me to try to work and unsuspend the registration and they have not I have not told me what's that amount that they want I do agree and paying the toes I don't agree with the violations XXXX in violations is very abusive I'm going through very difficult times I am behind XXXX months on my rent if I don't work I will lose my home and I will be homeless I can not drive my vehicle to my job I am asking if we can solve this solution they are very rude and they really don't want to help solve the solutions to anyone all I want to do is just make this payment arrangement like that they can unsuspend my registration I was told by the DMV the total I had to pay was {$4100.00} the collection department is claiming us XXXX they keep giving me the runarounds and do not help with the matter everyday that goes by I get more stress it puts a lot of pain in my XXXX that I can not take care of my family cuz I can't go to work cuz I don't have a car please help with this matter Transworld Systems, Inc
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (FL)

ccount info Account name CKS PRIME INVESTMENTS LL Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$420.00} as of XX/XX/XXXX Monthly payment - Original balance {$420.00} Highest balance - Terms 1 Months Payment history XXXX This company bought a debt from a credit card company I never signed anything with them giving them the right to create this account. It is listed as a collection even after I paid it in full, it shows up as negative item on my credit report. They bought the debt but it is fraud to open up a new account to the company who bought a debt without my permission and created an account under there letter head without my permission, I have asked them to correct it they refuse
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NE)

I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a XXXX XXXX conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX  for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with Trans word Systems and they state the account balance is XXXX and it had been turned over to XXXX  XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (KS)

On or about XX/XX/XXXX a Sherriff showed up at my house to deliver a summons for a lawsuit that LVNV Funding and XXXX XXXX XXXX XXXX XXXX XXXX filed with the XXXX XXXX XXXX XXXX on XX/XX/year>. This experience was very embarrassing as neighbors were able to see this alleged debt being served and I live within a very small community so gossip spreads quickly. 

There is no contract or credit cards with XXXXXXXX XXXX XXXX there is no contract with LVNV Funding or XXXXXXXX XXXX XXXX XXXXXXXX. All of my personal property and belongings are paid off, inclusive of my home and vehicles. Why would I have a credit card when the interest rates are usurious. Seems as if they have failed to abide by 15 USC Section 1692g by not validating this debt properly and my first knowledge of this debt being a lawsuit. 

Also, it seems as if they have misrepresented the documents submitted to the court, the address is not correct ( redacted. ) My wife and I just moved a little over a year ago as well so it seems as if they are trying to collect on this alleged debt from the wrong person, this seems to be a violation of 15 USC 1692e.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Chase is in violation of 12 CFR 1026.11 - Treatment of credit balances ; account termination.

12 CFR 1026.11 section ( A of 1,2,3 ) : Chase has not credited my account which shows that it is in excess of {$1.00}. Chase has not made a good faith effort to refund me any part of the remaining credit balance in the account by cash, check, or money order, or credit to a deposit account of the consumer.

12 CFR 1026.11 ( A ) - Please complete your fiduciary duty and credit the account for the amount of the credit balance of my account.

12 CFR 1026.11 ( A ) - Please complete your fiduciary duty and Refund any part of the remaining credit balance to my deposit account
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

An irrigation company charged us for services in advance during the winter. The services were to be performed this XXXX  when the weather permitted. We have spoken to the irrigation company numerous times about performing the services and they still have not. We tried to log a complaint with Chase and they refused to file a dispute.
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

Originally purchases were given an XXXX with 0 % interest. With all forgiven interest to be charged if not paid off by the end of the XXXX period. 
I was not adequately informed that the next purchase was only XXXX months with 0 % interest. 
There is no warning of pending promotional ending on the payment page or in the information about promotions on the make payment page. It is only available in the statement. There is no way to make payments directly to the balances on specific promotions. 
Both promotions ended at the same time and the monthly payments were split automatically. The XXXX balance would have been paid off if the split could be allocated. Or proper warnings appeared on the make payment page or I was properly informed promotional differences.
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (IL)

I got a first letter a couple of months from a collection agency AssetCare about an invoice that was sold to them by XXXX partners. Before that letter I never heard from XXXX partners. The debt that they are trying to collect is from XXXX and it is for {$1100.00}. I live in XXXX, but in XX/XX/XXXX I was on vacation in XXXX, XXXX and had an emergency XXXX. I went to the XXXX and gave them my insurance information. My insurance processed at least XXXX claims that were presented from the different partners and they covered them and I paid the part that was my responsibility. I contacted XXXX and told them that I was not sure why I never got an invoice from XXXXXXXX XXXX  and why they didn't contacted my insurance in XXXX. 
The insurance company told them that they can't accept the claim because it already expired. 
I shouldn't paid this invoice because someone didn't do their job and send the claim to the insurance or tried to contact me in the past. I called the billed surprise office but they can't help since the law was approved for invoices that were issued after XXXX and this one is from XXXX. I need your help to dispute the case because I don't want that affect my XXXX XXXX but also because it is not fair that I got this billed that I didn't know. 
I have been living in my same address since XXXX and I have never received an invoice from them.
Consumer complaint received 2024-02-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called leasing office and informed them of the smell and that I saw them enter the unit and assess the XXXX XXXX XXXXXX/XX/XXXX : I sent an email summarizing this and that I would be moving out XX/XX/XXXX : paid entire month of XXXX 's rent and attempted to schedule move-out inspections several times by email, phone, and voicemail. Came to office just before XXXX and dropped off flowers and a card with office staff thanking them for their efforts XX/XX/XXXX : completed move out inspection with assistant property manager who sent me the move-out inspection via XXXX  and was told by property manager and assistant property manager that they would try to release my unit in XXXX XX/XX/XXXX ( around that date ) : called and emailed by property manager/assistant property manager asking that I pay rent owed for XXXX. I explained that we completed the move-out inspection on XXXX and that I don't think rent is owed XX/XX/XXXX : Last email from XXXX XXXX after repeated attempts to resolve the dispute stating my account was closed and sent to collections. I cautioned this and made her/the property manager aware of intentionally reporting fraudulent debt claims. 

XX/XX/XXXX : Received enotice from XXXX XXXX, a debt collection agency for the amount stated by XXXX XXXX. 

XX/XX/XXXX : submitted dispute online w/ XXXX XXXX XXXX and have received no update or correspondence since then. 

I also submitted complaint to the office of the attorney general as instructed for multifamily residences ( not governmental aid-associated ) and response was something along the lines of they do not deal with this type of complaint ; ( they do in counties with population XXXX ) or any perils as a result including loss of productivity, emotional distress, relocation expenses, etc. 

Turns out, the entire state of TN has no tenant-focused attorneys willing to even meet with me. I wonder why? 

I also have reached out to XXXX law firms, paid twice for attorney referrals through the bar association ( they both went to the same firm, which denied me twice, thanks guys, be sure to keep my money, though! ), the office of legal aid ( denied, not at the right level of income to qualify ), legal clinics, attorney friends, attorneys out of state, and read as many self-help articles and journals I could find. 

I expect that if allowed, the debt collection agency may report this claim after XX/XX/XXXX, since I have received no updates on the status of my dispute and no correspondence from the rental property management. 

All of y'all should be ashamed of yourselves.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

XXXX  ran XXXX hard inquiries with XXXX on XX/XX/2023 & XX/XX/2023. The inquiry on XX/XX/2023 was authorized. The one on XX/XX/2023 that was not unauthorized.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UHG, LLC (IN)

XXXX XXXX now held by United Holdings Group. Opened XXXX. 

Ive easily paid 2x the amount borrowed, and they still want more, even in XXXX. 

The debt has been passed around from one entity to another ( all owned by the same group ). 

The CFPB alleges that XXXX, XXXX, and XXXX violated the Consumer Financial Protection Act ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ) by purchasing defaulted consumer debt and then placing that debt with, or selling that debt to, debt collection companies that used threats and misrepresentations to coerce payments from consumers Consumer Fin. Prot. Bureau v. XXXX, XXXX. XXXX ( W.D.N.Y. XXXX XXXX, XXXX ). 

I have been called by agents representing this company demanding money or face an arrest ( claiming they would send the sheriff to get me ). 

Family and extended family have been called and have been given case numbers and deadlines in which I would need to respond.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (FL)

I XXXX XXXX XXXX paid off the balance on that account even though it was a fraudulent account opened under my name. I request that you cease and desist any contact method regarding this account. Additionally, if you attempt in sending this to my credit bureau report and I suggest that you dont since I have proof of the payments submitted and account balance is {$0.00}. Thank you in advance and I hope we can resolve this matter.
Consumer complaint received 2024-05-09
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)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was victim of identity theft and fraud. I been going through a hardship and constantly trying to communicate with the bank on these issues. Unauthorized transactions through my debit card online, stolen debit cards, and XXXX  transactions are accumulated to overwhelming fees as I struggle to close the gap. I wanted the bank to understand what's was going and to help me, unfortunately they closed my account and sent me to collections with unfair staggering charges to never reimburse for my lost funds I suffer from and through.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (WI)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Regarding CFPB case - XXXX This is unacceptable. I have wallets with Venmo, XXXX and XXXX XXXX XXXX but I have NEVER received wrong payments from these banks. Paypal need to investigate why I keep getting money from people I don't know. Why should it be my responsibility to login to my account and refund money which I don't want and which is wrongly sent to me. I am not a businessman and am also not selling any goods. I have a XXXX job and use Paypal only for transferring money to friends. You need to fix your system instead of blaming me or asking me to take steps when money is wrongly transferred to me. 

FYI- for the transaction last month the reached out to the sender and asked them to reach out to you to cancel the transaction. But why is this my responsibility? Paypal should fix their system. 

I would ask CFPB to not close this case and ask Paypal to fix their system. They need to investigate why I get this money in the first place when I have not requested it from anyone. Would also ask you to rollback the fees you charged me. I am not ending this case sorry. I will go to any authority if needed. I am innocent. Fix your system please. I am awaiting answers.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (AL)

" My Experian smart money checking account has been temporarily suspended without updates for a month, leaving my funds inaccessible. Despite numerous attempts to seek assistance from customer service, I have received no concrete response. This lack of communication is unacceptable. I urgently require Experian to reinstate my account for fund retrieval.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-23
Product: Credit 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: AMERICAN EXPRESS COMPANY (FL)

I have sent documents to Amex from XXXX and XXXX confirming the XX/XX/2023 charge with XXXX was fraudulent and was not done by me.
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (FL)

On XX/XX/2024, I mailed a check for {$2900.00} Check Number XXXX Payable to BMW Financial Services NA , LLC as instructed by XXXX XXXX XXXX. BMW Financial Services refuses to process the check because it is from my husband 's and I Account. BMW Financial Services wants to force me to purchase a cashier 's check. meanwhile, They keep charging finance charges on daily basis. They are trying to keep me hostage so that they keep making more money. I tried to pay Payoff Payment on line but they do Not allow it. I do not understand why I have been able to pay normal monthly payments on line but not this payment.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple credit cards and not paid. These accounts all are not mine.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have always made timely payments on this account and it is causing me great XXXX to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.