davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX  Re : Acct # [ XXXX ] I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a XXXX debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully inve stig late this XXXX XXXX nd receive inform related ereto. 
Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MN)

I am writing to file a formal complaint against AMERICAN PROFIT RECOVERY. This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 
To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/1994. My Social Security Number ends in SS # : XXXX
Consumer complaint received 2024-05-27
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: BARCLAYS BANK DELAWARE (CA)

Fraudulent transactions occurred on my extended credit card for 7 charges from the one hotel booking website ( XXXX ) on XX/XX/year>. A fraud alert was raised and the credit card was cancelled, 6 of the 7 transactions were removed from my account except for one. I called 4x at different dates to resolve the last transaction that I was charged fraudulently, but after talking to the supervisor on the 4th call ( lasting at least 20-30 min per call ), all the previous calls done prior were actually not in the system. Every phone call I made, I always asked for confirmation and/or emails for proof that I called to resolve my dispute, but I never received confirmation code for the calls nor email. The {$210.00} + charge remains on my account and I was told that it would remain that way until 2 billing cycles from the 3rd time I called. Hence the 1st 2 phone calls were useless.

Why would a customer take the burden for paying a fraudulent charge when I have made several attempts to address it? Why would I be responsible to pay it while the investigation is ongoing?

Why I never received confirmation such as email or text about telephone encounters done many times to resolve the issue?? The level of difficulty resolving problems with this credit card is incomparable to any credit card company experience I had and I always pay full every month without miss. It is very frustrating.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (GA)

In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, my personal information being reported is inaccurate My only name is XXXX XXXX, Date of birth XX/XX/1994 Address : XXXX XXXX XXXX XXXX Ga XXXX In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( mo ) 281 Sw 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists.
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NC)

Im submitting this complaint to see if I can be included in the us auto sales lawsuit. I brought a charger back in 2019 and was informed XXXX information. I was informed I had XXXX insurance and that damaged was going to be fix on my car and never did. I also believe I was charge multiple times for XXXX me payments and insurance charges. I also had my car turned off by them at times when it was not suppose to be causing me to miss work. I eventually got my car repo for car shop and then when I reached out to corporate after getting hung up on customer service so many times he gave me back my car. Tried to help me get it fix then repo its again. Didnt refund my money did not sale the car and it seems like I owe more on the care then what was the actual amount. I never got a letter about the car being sold or anything I dont know where the car is
Consumer complaint received 2024-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc. (NY)

My mortgage was done through XXXX and underwritten by Nationstar. XXXX dropped them and they eventually became Mr. Cooper. I have a low interest rate and they regularly try to get me to refinance to double my rate. Over the summer, XXXX or XX/XX/XXXX I missed a payment or was late, I don't remember, but I have never missed a payment in the entirety of my loan since XXXX. All of a sudden I was on some forgiveness program that lessened the amount due by {$200.00} a month. I didn't opt into anything though. At the end of the plan, it said it was going to refinance my loan. I immediately called them and asked why they were refinancing me without my permission. The agent was surprised that I never requested any payment help or authorized this action. He then set my mortgage back to normal payments. I am submitting this complaint because I know they had trouble in the past and this is why they rebranded themselves. I also think that this was a predatory action and worry they are or have done this to others. I didn't know who to talk to about this, I just know it was wrong.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion.

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank XXXX XXXX, Ohio offered a {$900.00} bonus to new customers for opening Checking and Savings accounts, as long as conditions are met. {$200.00} for savings with a {$15000.00} deposit, {$300.00} for opening a checking with " Direct Deposit '', and a {$400.00} bonus for both accounts. 
My wife and I went to the XXXX branch on XXXX XXXX, XXXX, met with XXXX XXXX, and opened Joint accounts for both Checking and Savings. At that time, XXXX XXXX said we did not need to have the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( we are both XXXX  and XXXX XXXX XXXX XXXX XXXX  ), He said funds deposited electronically from our XXXX XXXX  accounts would qualify " as long as they were an electronic ACH deposit. '' We received the {$200.00} bonus for the savings account on XX/XX/XXXX but not the Checking or additional bonuses. We had XXXX set up automatic withdraws from one of our IRAs using the ACH electronic transfer and {$630.00} was sent on XX/XX/XXXX and XX/XX/XXXX. We decreased the amount to XXXX for the XX/XX/XXXX transfer. We stopped the XXXX transfer after we did not receive the expected {$700.00} in bonuses from Chase in XXXX. 
We went to the bank to complain about XX/XX/XXXX but the branch manager wasn't in that week. Chase refuses to honor the other {$700.00} in bonuses we should be entitled to due to XXXX XXXX giving us incorrect information. XXXX XXXX XXXX, Chase 's XXXX branch manager, finally contacted us on XX/XX/XXXX and said XXXX XXXX admitted to giving us incorrect information because he thought what he said was correct. XXXX XXXX said he would try to get us the {$700.00} in bonuses but we haven't heard back yet.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have two active credit cards with Capital One ( i ) Venture and ( ii ) Venture X. I realized I had just been charged for the annual fee of {$95.00} for the Venture card and the features of the Venture X and Venture are very similar therefore I wanted to downgrade the Venture card to one with no annual fee. 

Upon calling the customer service line, I explained this to the agent and that I was just charged an annual fee and since the two products are very similar, I would like to downgrade the Venture card to " Venture One '' I provided the agent consent to move forward with changing the product type to Venture One but upon completion of that processing, I inquired whether the Venture 's annual fee would be reversed given that was my primary concern. The agent said no and I asked to speak with a supervisor. The supervisor repeated the same thing and I had laid out that basically I paid for the annual fee without being able to use the same card. I was told that the product change to the " Venture One '' can not be reversed and annual fee can not be waived. I had asked if there was someone else I can speak to or if there are other Customer Loyalty or Retention matters that can be done and was provided a " no, I am highest level person you can speak to ''. 

As a consumer, I walked away from this call being worse off than had I not called. I am now paying {$95.00} in annual fee for a card I can not use or the benefits of the original Venture card. With other card issuers like XXXX XXXX with similar experience, they would be able to reverse the fee if I am no longer using it.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc. (TX)

XXXX XXXX XXXX- {$2000.00} - XX/XX/24 - disputed with the credit bureaus and company for debt validation - informed them that this was not me and was a victim of identity theft with a copy of the report attached and they refused to take it off my credit report.
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (DE)

NCB Management Services for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX This debt is currently being reported as open. I have disputed this debt numerous times. I requested signed or E-signed paperwork to verify that it is my debt. 
I have NEVER received any verification from NCB Management. I have requested information about the results of their investigation, but I have NEVER received any written notification. 
NCB Management has reported this account as open since it has shown up on my credit report. If an account is shown as Open, that means that they are still extending credit, and I do not believe NCB Management is a credit-extending operation.

This is a violation of FDCPA U.S.C 1692e ( 2 ) ( A ) by falsely characterizing the account status as " Open '' to all credit reporting Agencies ( XXXX, XXXX, XXXX ) a consumer reporting agency as defined by 15 U.S.C 1681a ( F ) This Open status affects my credit score because it tricks the scoring model into thinking it is a NEW default, instead of a continuation of an old debt that has been charged off. Which is unlawfully reducing my credit score and causing harm to me and my family because I am unable to receive any extension of credit. Please investigate. I am XXXX on a limited source of income. The credit was opened months after I had the XXXX in XX/XX/XXXX. I was receiving XXXX payments from my employer at that time and did not need additional funding. 
Also, I spoke with a Lawyer who stated, that most credit-extending companies do not charge off a debt until at least 2 years of attempting to collect the debt. So that would mean this debt would have been opened sometime in XXXX, not XXXX as being stated on my credit report. So it would be beyond the XXXX limit and that may be why I never received any verification because of the original age of the debt. Even a collection agency must abide by the original start of the debt. 
He said if it was taken out in XXXX, they must have sold the debt within the year of opening it. 
Thank you for your consideration in this matter, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (OH)

As of XX/XX/XXXX I noticed on my XXXX credit report that accompany known as best egg that provides personal loans opened up to new personal accounts on my XXXX credit report which knocked my credit score down by XXXX  points. These best egg personal loan accounts were closed back in XXXX when I filed XXXX XXXX bankruptcy. Looking further on my credit report, these accounts are showed as being closed. Yet best egg went ahead and re-introduced them on my XXXX credit report showing them as open. This is absolutely false information and two years later they decide to put these two best egg personal loan accounts onto my XXXX credit report? No other account that I had closed due to my bankruptcy has done that. So two years later after early XXXX when the best egg accounts were included in my bankruptcy XXXX  XXXX and were closed all of a sudden now theyre re-adding them on my credit report as open? This is incorrect and unfortunate and has greatly harmed my credit score by dropping it XXXX points
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (ND)

The debt in question is a debt I have no prior knowledge of. I have initiated multiple disputes with this debt collection agency. The debt collection agency continues to neglect to send me any form of verification or legitimacy of this debt. I am completely unaware of the original creditor, the debt collection agency, or any account where I owe stated amount. This agency has reported this debt to all major credit reporting bureaus without my acknowledgment of said debt and/or without verifying the debt belongs to me. I do not believe this debt is mine.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: OneMain Finance Corporation (NJ)

We pay extra every month for insurance on our loan. They really pushed the insurance on us because of our budgeting and income. We needed to use the insurance because my husband was laid off from XX/XX/XXXX through XX/XX/XXXX and he was on unemployment. I am completely XXXX without an income and my husband was receiving unemployment. 
The insurance company paid our payment of {$280.00} XXXX through XXXX One Main continued to debit my account XXXX and XXXX, double dipping payments from my bank account and insurance company. We called in XXXX to stop them from hitting our account on XXXX because they would AGAIN get 2 payments. According to my online account and my paper statement, I am paid head until XX/XX/XXXX. 
This morning I awoke to yet ANOTHER {$280.00} payment taken from my bank account. I have a XXXX BALANCE AND NOTHING WAS OWED. 
This unexpected withdrawal caused my electric bill to bounce. I called One Main and asked them for my money back and I was refused. I was told the only way I could get my money back was to stop payment ... ..well ... stopping payment automatically defaults your loan and they'll initiate repossession of the collateral ( my car ). So I'm left with no money, no income, {$860.00} missing out if my bank account that they're refusing to give back ... .and there isn't anything I can do about it. How can they LEGALLY accept monthly insurance payments for hardship, and continue to also debit your bank account. 
They are predators and this company needs to be investigated for insurance fraud. I want my money back!! I have a child here and my electric is about to get shut off.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

Resurgent capital services continues to send me threatening emails advising that " I'm on the XXXXl track '' stating that my information will be forwarded to an attorney to sue unless I reach out to pay them. I have stated to them in the past that I have no written agreement with my signature that states I have a financial obligation with resurgent capital services.
Consumer complaint received 2024-02-04
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: RentDebt Automated Collections, LLC (KS)

I XXXX XXXX, per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given you written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods, 16 CFR 313.7 ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.

( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.

( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( g ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 


RentDebt Automated Collections DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO RentDebt Automated Collections