davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card
account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (SC)

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DIGITAL FEDERAL CREDIT UNION (FL)

I am writing to you with a heavy heart and a deep sense of disappointment regarding the handling of my account. Despite my payment of {$180.00} on XX/XX/year>, I was reported as 30 days late on my credit report. This news has left me utterly disheartened and distressed, as it unfairly tarnishes my credit history and financial credibility. 

Adding to my distress, I also noticed a loan payment reversal in XXXX, but I don't show a corresponding credit reflected in my bank account. This discrepancy has only added to my confusion and concern. 

I implore you to rectify this error on my credit report immediately. The impact of this incorrect reporting has already cast a shadow over my financial standing, and I fear the repercussions it may have on my future financial endeavors.
Consumer complaint received 2024-07-06
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: Resurgent Capital Services L.P. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

PayPal restricted my account from sending and withdrawing funds, which I believe is due to mistakenly sending the money under XXXX XXXX and XXXX ' instead of XXXX XXXX or XXXX. ' They said they would email me the reasons for the restriction, but I have not received any communication from them. The total amount of funds in my account is {$170.00}. Before permanently limiting my account, they asked me to submit some documents, including my National ID, proof of residence, bank statement, and an explanation of some of my previous transactions, including those from my stepsister and one of my friends. My stepsister, XXXX XXXX, sent me {$44.00} on XX/XX/year>, for my father 's XXXX  and I provided proof, including receipts and the doctor 's prescription. The other amount, {$55.00}, was sent by my friend on XX/XX/year>, as payment for two weeks of work as an Internet ads rater for XXXX. I also provided proof of payments that the company sent to her email. I understand there are policies, but we did not engage in any illegal activity. I earned the money working as an Internet ads assessor. I urgently need the funds for my tuition fee and for my father 's daily medication. Therefore, I am requesting that the money be released immediately. I will be more careful next time in terms of sending funds. I want to complain because I believe it is unfair to hold my funds for 180 days just because we did not know how to navigate the online app. Your help in this matter is greatly needed and appreciated.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear TransUnion, I am writing to dispute the information related to account XXXX XXXX XXXX XXXX on my credit report. Following the completion of your recent reinvestigation, I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information.

As a natural person exercising my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you refrain from using any stall tactics in response to this letter. I look forward to your response within 15 days upon your receipt of this letter.
Consumer complaint received 2024-03-27
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. (OH)

Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX. Acct # XXXX ACCORDING to US Code 1320d-9 note, this is a HIPAA VIOLATION XXXX No medical information shall be distributed for permissible purposes for the consumer without consent. I do NOT consent. Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages, Kindly, DELETE the collection accounts above mentioned as soon as possible.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

PayPal limited my account 's ability to send and withdraw funds for no clear reason on XXXX, XX/XX/year>. They asked me to submit some valid documents including my National ID, proof of residence, and bank statement ( I was unable to provide the bank statement, but I spoke with XXXX of their online agents who assured me there was nothing to worry about. She said she would submit a ticket explaining that I couldn't provide it because I haven't opened a bank account for myself yet ; I simply send money directly to my brother 's bank account ). The amount of money in my PayPal account is {$120.00}, which I earned as an Internet ads rater for XXXX. I provided them with proof that this amount came from my earnings as a freelance worker. After submitting the required documents, my account was permanently limited, preventing me from accessing my funds. Following the restriction, I noticed I was unable to contact any agents to inquire about what had happened. I emailed them to request clarifications and a detailed review of my account, but I have not received any response. I understand there are rules in place, but I did not engage in any unlawful behavior to earn this money. I can provide evidence that the money was legitimately earned from the company and was not obtained illegally. I want to complain because holding my funds for XXXX  days is absolutely unfair. I am still in college and work while studying, which is why I rely on these funds to fulfill urgent financial obligations.
Consumer complaint received 2024-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (OH)

On XX/XX/year> a debt collector XXXX XXXX XXXX opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (CO)

I sent out to wire transfers from my Discover bank and the receiver hasn't received them yet and when I called I was told my funds was on hold by another financial service called the XXXX XXXX and it should be available within two to three business days now it's been over a week and nothing has been heard from discover bank and recipient never got the money ... .so which means my money is literally hanging in the middle of nowhere, I tried calling again and the agent that picked my call has the audacity to hang up the call on me after I gave them the wire transfer tracking number to help find my funds... please help call on to this people called Discover to refund me my money or either release whatever hold that's on the transfer
Consumer complaint received 2018-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have consistently received incorrect information from loan service officers at American Education Services, or have received contradictory information from another officer upon followup. In some cases this has caused me to incur late fees or has negatively affected my credit rating. The most recent example was in XXXX-XX/XX/2018. In XXXX I called to report hardship making my loan payment and asked what options, if any, existed to lessen the burden. After informing me that most of my options were exhausted, the officer told me that after my account was 31 days past due, I could call in and make a good faith payment, which would bring my loan current and begin a process of reduced repayment plan ( RPP ). After waiting the requisite amount of time, I called back and another officer informed me that I was not eligible for this option and the only recourse I had was repayment. Meanwhile one of my loans had been put in deferment, for an unknown reason, presumably by the first loan officer ( who told me it was not possible to defer this loan ). I pressed the second loan officer to explain why the first one had told me about the RPP. Did she give me bad info? Was she incorrect? After putting me on hold she told me that if I made a good faith payment, I could request an RPP. 

This leads me to believe that not only are AES staff oftentimes giving out wrong information, but they are purposely concealing the options that are available, hoping they can coerce people into repayment ( for example, by mentioning that if they don't repay, their credit will be negatively affected ) when in fact there are other alternatives. 

Added to their constant harassment of me and my cosigners, even when I speak to them and we agree on a repayment date, this behavior is unacceptable and there seems to be absolutely no accountability. I ask that the CFPB look into this and other complaints against American Education services and consider taking action to curtail these dishonest policies. Paying off student loans is hard enough without an organization like AES confusing the process.
Consumer complaint received 2024-07-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (OH)

On XX/XX/year> a debt collector hunter warfield inc. opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/year> I noticed {$420.00} withdrawn from my savings acct and deposited in my checking acct along with the {$70.00} to make the {$490.00} XXXX payment to a person named XXXX. I did not make this payment, I do not know this person, nor did I authorize of any of these transactions. The bank was anything but helpful. they kept say ing that it was made from my phone and have visual proof that it was made by me. 
I terminated my accounts and went to another bank. XXXX from escalation said that they would not overturn the claim. 
and that the escalation team does not have to provide their work items nor any proof of verification to me. 
I have reported this to law enforcement. 
I contacted the XXXX  XXXX XXXX and then file this complaint.
Consumer complaint received 2024-07-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (TX)

XXXX charged my account XXXX charges of {$35.00} on XX/XX/year> ( the amount due was XXXX on XX/XX/XXXX ) then charged me the {$380.00} on XX/XX/year>. I have sent several requests via email to have an explanation for the charges with NO response othe than to call. XXXX used I want all conversation to be held in writing and they refuse to communicate in writing for my proof. My emails I sent were originally incorrect in the amounts, but would have been cleared up if I had any kind of communication.
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

In XX/XX/2024, I disputed an account from the National Credit Systems through XXXX. I provided them with 15 U.S.C 1681. On XX/XX/2024, the account came back as verified. According to 15 U.S.C 1681, the information on my credit report has to be accurate. Ive never done business nor signed any contract with this company. This account is affecting my credit report negatively.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

So i would like to say that American car center sold my debt to westlake portfolio with out my permission or signature and they are violating law Fcra section 605B i asked them for original contract with my signature, a copy of my payment history, address of original creditor, and proof of collection authorization And my contract states on on line 39 MODIFICATION : Any changes in this lease will be in writing and signed by you and the assignee I didnt sign anything
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC (NY)

I am filing a complaint against Rubin & Rothman , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) related to a fraudulent XXXX XXXX XXXX account ( # XXXX ) opened in XX/XX/year> due to identity theft. Despite filing an identity theft police report, Rubin & Rothman , LLC has filed a judgment against me and is withdrawing money from my account. 
The specific FDCPA violations include : XXXX.Failure to Cease Communication ( 15 USC 1692c ) : Despite notifying them of the identity theft, they continue collection efforts. 
XXXXFailure to Validate Debt ( 15 USC 1692g ) : They did not provide adequate debt validation. 
XXXX.Harassment and Abuse ( 15 USC 1692d ) : Persistent collection attempts, filing a judgment, and withdrawing funds have caused significant distress. 
XXXX.Misrepresentation ( 15 USC 1692e ) : They misrepresented the validity of the debt. 
XXXX.Unfair Practices ( 15 USC 1692f ) : Filing a judgment and withdrawing funds for a fraudulent debt is unfair. 
Attached are copies of the identity theft report and police report for reference. I request the CFPB investigate these violations, take appropriate action, and provide relief from the judgment, refund the withdrawn money, and remove any negative information related to this fraudulent account from my credit reports.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (MI)

I was approved for an Barclays XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I received the card in the mail later in XXXX and attempted to activate the card on XX/XX/year>. I was unable to activate online and called the Barclays customer service line. I was told that there was potential fraud on my account and it was unable to be opened. Barclays requested that I mail personal information such as a copy of my drivers license to a po box and I declined and said that I would prefer to close the card since it had yet to be used ( note that there were no charges on the card even through there was potential fraud ). I was transferred to the Fraud Protection team who then told me that I could not close the credit card due to the hold and that I would need to provide this same information to close the account. Note that there is a {$99.00} annual fee due and I would still be responsible for this fee even though I could not open or close the account. I am able to receive e-mail, phone, or mail to the addresses provided on the account approval but never received anything from Barclays prior to my call today. I am now at a point where I will have to send confidential information through the mail or fax in order to close an account and not have late fees, etc. for an annual fee. I think this is illegal and there is no reason that I should not be able to close ( or open ) an account when I have provided and am available at any of the approved contact methods.