davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2024, I received an email saying my venmo account had been frozen due to suspicious activity. I then checked on venmo to see if the email was spam or phishing but it was frozen and I was unable to transfer any money. I thought that the suspicious activity may have been due to purchases I had made in person at pop-up vendors, which totaled for {$40.00}. Venmo requested a photo ID and my social which I provided, and they replied with a email on XX/XX/XXXX, stating Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. I followed up asking how I could unfreeze it, and they said they forwarded the issue to a team of specialists and have given no further updates, even when requested.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I contacted chase before the due date XX/XX/XXXX to arrange full payoff on the card, informing them that I was sending a cashers check for the total balance payoff and wanted to make sure that if it arrived a day or 2 after the due date there would NOT be any late fees charged. They agreed per recorded conversation and " noted this on my acct ''! Then after recieving full payoff they promptly charged me both a late fee as well as {$250.00} interest! I contacted them 3 times ( XXXX, XXXX, XXXX ) about them going against the agreement to no avail and today XXXX I was told by a supervisor that " they should have told you that these fees would be charged '' admitting thier wrongdoing. I had an agreement and it was noted on my acct.
Consumer complaint received 2024-05-04
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)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (MA)

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$510.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

On XX/XX/year>, I seen on my credit report that Columbia Debt Recovery LLC DBA Genesis has my account in collection for {$10000.00} for non-payment of rent. I have disputed this with debt collector, but they insisted that this was my debt.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This company continues to call at least 5-10 times a day even though they have been told not to call. They use numerous different number to call from. I have even blocked some of their numbers after warning them. This is not even a valid debt. It is causing me several different health problems that I now have to take medication for since the XXXX  is so bad.
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAROLINA FINANCE, LLC (SC)

I was involved in a voluntary repossession with Carolina Finance. I did not receive any of the documentation lawfully required to be sent regarding a vehicle repossession. I wish for proof that the documentation was sent as lawfully required including but not limited to all notices of delinquency and notices of sale.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I'm trying to conduct an electronic transfer from my BMO Savings Account to XXXX checking Account ending XXXX on file for XXXX and I can't get anyone to help my over the phone. I called Thursday XXXX and they told me use another device and I did and still couldn't conduct a transfer. Earlier this year when I first opened the account, I couldn't log in to view my account. I kept getting errors and the phone # to send a text message was different than the one I've owned for 15 years. On XXXX tried to make the transfer again and couldn't get it completed. The transfer link is blank and does not provide me with the optin to conduct a transfer. I called and they wouldn't do it over the phone and put in a research ticket that would take 1-3 days. I NEED MY MONEY TO PAY OFF A LOAN IMMEDIATELY. The last time I had an issue with an electronic transfer they took 2 weeks to get back to me. If this bank can't get it together, I need them to send ALL MY MONEY from both of my accounts to the XXXX A account on file ( attached ). I will open an account with another bank that has it together. I'm sick of wasting my life away with problems at this bank.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Freedom Mortgage Company (TX)

XX/XX/24 Freedoms Mortage Violates 15 usc 1681a2 Comsumer didn't give written permission to have the company to reported any information to the CRA. The Freedom Mortage isnt the Original Creditor. Im requesting that Freedom Mortage remove any late payment and or provided me a copy of the original seller contract signature by the consumer when this property was purchased stated I gave them permission to report to the Credit Bureau.
Consumer complaint received 2024-06-09
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: Aldous & Associates, PLLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (WA)

I was XXXX XXXX XXXX  customer for number of years. Some how my credit card was stolen so they did not get paid for few months so they disconnect my service. I haven't use the service for number of months. Later I got another email stating my service is connected and they have send this bill for collection. 
I did get call later to resume my service with no prior bill or debt collection. 

I dont know if some one can check since when I was not using their services. 

Your prompt action is greatly appreciated. 

Thank you. 


XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (WA)

I am writing this to formally dispute the debt claimed against me by your company under the Uniform Commercial Code ( UCC ) as a holder in due course. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. You are a third party as defined by law and have no legal right to collect on this contract. According to legal definition provided by XXXX from the XXXX XXXX XXXX A third party is a person who is a stranger to a transaction, contract, or proceeding If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!! How did you get my nonpublic personal information? What proof or evidence do you have to substantiate your claim? You are committing fraud and extortion as defined by federal law. It is illegal to try and force me to pay an alleged debt without providing me proof that I owe you. Please provide the original contract of indebtedness ( with my wet signature ) if indeed your claim is true. In addition, I would like for your company to show legal documents proving you have the legal right to collect on this alleged debt in my state and city. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, Misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Our home is in an active Bankruptcy ( BK ) XXXX filed in 2011. Our trustee has made payments to this account for nearly five years. After requesting a loan modification from XXXX, BUT did not accept their terms, and declined this modification. However, Nations Star was ready to approve the modification, although the terms would have placed us in a 40 year loan! Once this modification was rejected, it took several calls and several months before it was removed from our account, which increase our payments to an amount we could not afford. As of today, our trustee has made payments excess of {$60000.00}. 

We have made over 10 calls and have always gotten totally differerent answers and frequent transfers. 
While going into BK, our payment was {$1000.00}. We 've paid our own home owners insurance AND taxes are on a XXXX exemption status. Nationsstar completely disregarded the exemption and sent payments for taxes, although the taxing authority has since returned those funds. We would like Nation Star to return our account to the status of actively making timely payments without an escrow. A posting of payments to our mortgage should be current and up to date, however funds that were paid have not been accounted for and we are requesting a complete investigation and recovery of funds.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-06
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MI)

I asked for a school misconduct application, I have a borrowers defense approval, was part of the group discharge, the school I attended was part of proven misconduct and my application for private loans was denied with no explanation. I would like an explicit explanation of why my application was denied. 

To date I have paid back more that I borrowed on my loans, but still owe more than I borrowed.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX Account status - Collection Reported balance {$9600.00} Loan type - Unknown loan type Date reported - XX/XX/2024 This is all the information provide unknown original creditor so no information is given as to where this debt originated I have requested in writing 4 times to send debt validation with no response.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Yes I have XXXX diffrent bankruptcys reporting on my credit report that does not belong to me, I have contacted the courts and they verified that its not me and they dont verify information such as those records to the credit bureau , which I have been a victim of identity theft and they get there records from XXXX XXXX XXXX XXXX which is inaccurate and I will like it to be removed from my credit reports
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paramount GR Holdings, LLC (FL)

On XX/XX/year> a gentleman came to our home and sold us solar panels from XXXX XXXX XXXX  as well as arranged financing with Goodleap who serviced a loan for the amount of {$49000.00}.. In XX/XX/year> the solar panels were delivered and hardware. they came to install the solar panels and I the process they got a phone call that the permit was denied from XXXX XXXX XXXX. I have contacted the company numerous times and when I contacted our representative from Goodleap whos name is XXXX, he stated to give him a few weeks to get the money back from the XXXX XXXX XXXX in order to close out and remove the loan. This did not happen, I have spent months and months speaking to many representatives who have told me that they will work on it. Today I received a letter from XXXX XXXX stating that goodleap is trying and willing to do what it takes for our solar panels to be installed. They will not be able to ever do so since the permit was denied for the fact that our roof can not withhold the equipment and the equipment value was more than the equity of our home. I feel like this is XXXX way of trying to not have to not close the account like they said they would. They gave me XXXX  days to respond to the letter. A gentleman named XXXX XXXX Representing Goodleap came and inspected our home to check if any work had been started. In his own words he stated " not a XXXX had been turned. '' This is proof that I received no goods or services from this product and I should not be responsible to pay something that I do not have.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (FL)

fraud, also has XXXXXXXX XXXX XXXX who is that i don't know anything! i am trying to get an car, i have been XXXX  stuck in the house not able to even get a XXXX auto loan! this is defamation to my character and livelihood and need to be disputed off my credit immediately.