davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

About six weeks ago I opened a Chase Total Checking account and all went well. In fact, I was so impressed with the service I planned to open a business account until the events of the last few days. On or about XX/XX/2021, I opened a cash management account at XXXX. On XX/XX/2021, I asked XXXX to transfer {$100.00} from my Chase Total Checking account to my XXXX XXXX account which was done. 

On XX/XX/2021, I asked Chase to link my Total Checking account to my XXXX XXXX account. This is THE SAME ACCOUNT FROM WHICH THE INITIAL DEPOSIT WAS MADE BY XXXX WITHDRAWING THE MONEY FROM MY CHASE ACCOUNT. 

Chase set up two trial deposits which I reported and then Chase stated this XXXX XXXX account was linked. On XX/XX/2021, I attempted to make a transfer thru my Chase account to withdraw {$100.00} from my SoFi account. Then all XXXX broke loose. 

My account was frozen SO THAT I COULD NOT READ ANY MESSAGES AS TO WHAT HAD HAPPENED. An email cited " suspicious activity. '' I discovered this at XXXX XXXX  ( I trade the world 's financial markets from XXXX XXXX  to XXXX XXXX  eastern time ). I was told that I had to wait until XXXX XXXX  for clarification. I spoke to two people and after one hour of " validation '', my account was unfrozen. I was told that the reason for the freeze was the inability to validate the account at XXXX XXXX which made no sense since Chase sent money to this very account and verified it with two trial deposits. I asked twice for a written explanation and they refused stating that I must call.

I would like a written explanation of the problem and why I needed to be damaged by the freezing of my account. It cost me thousands of dollars in wasted time from the markets to play these games with Chase. A simple refusal of the transfer and a written explanation of why would have sufficed. Chase seems to be drunk with power.
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

I settled an XXXX XXXX XXXX debt with XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$350.00}. XXXX XXXX XXXX accepted the {$350.00} payment on XX/XX/XXXX ; however, they refuse to acknowledge the settlement. They sent the remaining balance to a new collection agency named XXXX XXXX in XX/XX/XXXX. I disputed with XXXX and sent them a copy of the settlement agreement, so they didn't collect any longer. XXXX XXXX XXXX sent this to a new collection agency in XX/XX/XXXX which resulted in another collection account on my credit report XXXX XXXX causing my score to drop 40 points for a debt I settled over a year ago. I've made numerous attempts to XXXX and XXXX XXXX XXXX over the past year without luck. XXXX says it's XXXX XXXX XXXX 's fault and XXXX XXXX XXXX says it's XXXX 's fault. They each point fingers at each other and no one will take ownership to help resolve. Additionally, XXXX XXXX XXXX complaint and dispute department refuse to provide an email, fax, or address to send proof of the settlement or to make a complaint. The last two managers I spoke with were XXXX employee ID XXXX and XXXX XXXX. I've attached a copy of a reproduced settlement letter from XXXX XXXX they resent to me XX/XX/XXXX from the XXXX settlement and a copy of my bank statement on pages 2 and 5 of 10 will show this amount coming out of my bank account.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (NY)

I was horrified to learn that BMW reported my account as a collection for the month of XX/XX/XXXX. I paid off the lease in its entirety in XX/XX/XXXX and returned the vehicle accordingly. 
On XX/XX/XXXX, I received an alert from XXXX  XXXX credit monitoring indicating that I have a new derogatory collection reported by BMW. I immediately reached out to BMW, and was informed that there was an unpaid final bill that resulted in a collection account being reported to my credit a year later!!! 
Please note, I was NOT notified in writing by regular mail, nor via a phone call that there was an outstanding bill or about BMWs intent to report me to collections. 
Had I known that there was an outstanding bill, I would have paid it on the spot, as I had done on XX/XX/XXXX when I learned of this bills existence. Please reference my prior payment history with BMW ( attached ). I paid a total of XXXX of timely and early prepayments on multiple BMW vehicles in the last 2 years. Please correct the negative reporting as BMW failed to properly notify me that there was an outstanding bill. 
I spoke to a BMW supervisor by the name of XXXX, on XX/XX/XXXX between XXXX am and was informed via that phone call that BMW sent me ONE email in XXXX of XXXX. THIS EMAIL WAS NOT RECEIVED, and thus I had no idea there was such a bill. BMW failed to notify me properly of the bills existence, and failed to notify me that they are intending to transfer me to collections. The BMW supervisor admitted on the phone that there was NO NOTIFICATION from BMW indicating that they are intending to transfer me to collections. Upon consulting with my attorney, I was informed that a company is supposed to notify a consumer of their intent to transfer their file to collections. THIS WAS NOT DONE IN MY CASE! 
I have been a customer for many years, and have prepaid multiple BMW vehicles. Please see proof of prepayment for this vehicle, my wifes and daughters vehicles respectively. I am requesting that this collection reporting be removed immediately as I was not given a chance nor an opportunity to pay it in a timely manner. I would expect that BMW would have the decency to reach out to a customer who prepays all his cars in a timely fashion and has never been late in the many years of doing business with BMW. However, apparently that courtesy wasn't granted in this case. 
I am requesting the correction of this account immediately, as the bill was paid as soon as I learned of its existence. 
Please note a proof of prepayment for multiple vehicles. Also, please note a screenshot of all the emails that were RECEIVED from BMW. There is no record of the email referenced by the BMW supervisor. In addition, there are NO emails whatsoever referencing an outstanding bill.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX  XXXX sold my debt that I allegedly owed them. Now XXXX  XXXX XXXX is reporting on my consumer report that I owe them money. Under payment status on my consumer report the debt is marked Charge Off. A charge off means " a lender or creditor has written the account off as a loss, and the account is closed to future charges ''. Which means the company has wrote it off on their taxes as a loss & they technically got their money back on a tax break. Then turned around & sold it to the public which means they committed fraud & got double their money back!
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Received a statement that they want me {$930.00} by XX/XX/2023 for it to be resolved to pay the balance of {$2000.00} that it's not my debt because I never applied for a Capital One platinum card because I'm unemployed with social security with XXXX
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (OH)

In XX/XX/2022, my checking account with XXXX XXXX was hacked. Thankfully, I caught this within minutes. My local brach stopped payment on the few transactions that had been initiated fraudulently, and I lost no money. However, shortly thereafter I received a letter from " TRS Recovery Services '' claiming to be collecting a bill of {$130.00} on behalf of XXXX that they claim was unpaid when my account closed. 

I owe no such bill to XXXX. Worried that the hacker may have used my checking account info to pay for ( a rather expensive ) XXXX ride, I even contacted XXXX to ask if they hire outside companies to collect debts on their behalf. XXXX replied to me that they do not hire outside companies, or TRS specifically, for their debt collections. Furthermore, if the payment to XXXX had been declined, XXXX would not have accepted the ride request and there would have been no money lost ( which is to say, no debt to collect. ) When I went on the TRS website to object to the debt, their website required me to enter a large amount of personal data, including data that could itself lead to identity fraud. They also requested me to provide them with information about the debt that they claim to be collecting - information they should have if the debt were actually real. Needless to say, I did not complete that form. 

All of this leads me to think that TRS is itself a fraudulent company.
Consumer complaint received 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

My mortgage is currently serviced by Select Portfolio Servicing ( SPS ). It is a loan backed by XXXX XXXX and is currently delinquent. On many occasions, I have sought loss mitigation efforts with SPS and contacted their loss mitigation department regarding the same. SPS has refused to process my loan modification and issue clear underwriting determinations. Per HUD regulation 24 CFR 203.604, contact with the mortgagor, provides that " the mortgagee must have a face to face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the XXXX XXXX, this regulation applies, as well as the liability reporting valid information to HUD. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. 

SPS has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. SPS has set a foreclosure sale date for XXXX, during the period where mediation and loss mitigation should be occurring. 


SPS is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5.  XXXX has imposed a foreclosure sale date on XXXX, so I am seeking your assistance on this matter.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Consumer complaint received 2021-07-31
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I got pre approved online for a vehicle on XX/XX/XXXX. I scheduled an apt to go into the dealer on XX/XX/XXXX. I had all my paperwork, and was ready to buy a car. The offer from XXXX directly from XXXX Nissans website said offer valid for 10 days. I scheduled an appointment for the weekend ( 5 days later ) since thats when I wasnt at work. XXXX the sales rep took a look at my phone and said no no no those prices are very wrong ( the prices directly from XXXX Nissans website. ) He continued to try to upsell me and tell me the confirmed offer I had was inaccurate. When I continued to try to show him my confirmation he kept saying things like did you read the fine print and why didnt you come 5 days ago? This was my first time buying a car on my own and I came prepared with my approved finance APR, monthly rate, and all my paperwork to buy same day because I did not want to have to haggle. However he wouldnt honor the rate from my confirmed offer/credit approval and continued to tell me it was not accurate. He said the car had been sold and that they cant hold cars, which is understandable. I was not asking for the specific car with the VIN the dealer had two days prior already given to XXXX and listed on my new insurance card, but to honor the rate I was quoted on whatever car with the same model/trim etc. was available ( which there were plenty of ) .I provided this company my social security number to run a credit check, and had a firm offer for financing. They ran my credit and did not honor it within the 10 day period I was given.
Consumer complaint received 2022-01-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation (MD)

I was interested in laser hair removal from XXXX XXXX. I spoke with consultant over the phone amd we set up everything when I was accepted for a loan from fortiva. However, my first appointment was not for approx 2 months away now mind you I have never even stepped foot in an office nor was there a fee for the consultation and they were calling me before I even had any services or appointments telling me my payment was passed due. It is still in my credit they were suppose to send a letter closing it and I'm still being harrased at XXXX and sometimes XXXX  at night thank you for investigating this.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IL)

his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There was a delay with a start date with my new employer, and I notified XXXX XXXX that I could not make my XX/XX/XXXX payment. I spoke to XXXX and was given the option to be placed in the Temporary Payment Program, and I agreed to pay {$100.00} for six months. He told me, to make my 1st payment by XX/XX/XXXX to avoid delinquency being reported to the credit bureaus. I received notification that I was written 30 days and spoke to XXXX on XX/XX/XXXX and was told that XXXX 's information was incorrect. The program doesn't start until I make the initial payment, completed XX/XX/XXXX. XX/XX/XXXX I received the attached electronic letter and was okay with the terms until I received the additional letters about missed payments, account closures, and most recently being reported negatively to the credit bureaus for missed payments when I have not. I spoke to someone else recently, and he was very nasty and said the reporting is correct, which it is not. I have other creditors who placed me on a similar plan and have not reported me negatively as I have paid them upon our agreement, so I'm not sure about the issue with XXXX XXXX You have people who don't know what they are doing, and I demand this issue be fixed immediately!
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (CA)

I am elderly vet and XXXX XXXX XXXX. I am confined to a XXXX. Debt Recovery Solutions ( DRS ) took advantage of my situation. DRS contacted me and told me and my XXXX and told us that I had to pay a XXXX bill. I told them it was about 15 years old. They sent me a letter that said they had purchased an account from XXXX. They didn't let me know that it was WAY beyond the statute of limitations. The last activity on this was in XX/XX/XXXX I believe. I have learned that it should not even be on my credit report. They have reported it as opening in XX/XX/XXXX but date of last activity XX/XX/XXXX. They also just started reporting this account in XX/XX/XXXX right when they got a trigger notification that I was looking to buy a home. When I disputed this account verbally ( by telling them it was 15 years old ) they told me " too bad. You have to pay it to get it off your credit ''. I felt I had no other choice. DRS also never allowed me to validate the debt before reporting it which I have learned is a violation of the FDCPA.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, TransUnion have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. XXXX, XXXX  nor TransUnion did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

The Fair Credit Reporting Act ( FCRA ) law grants credit bureaus 30 days to verify or delete a disputed item. At times, credit bureaus exceed that time and wont reply. If the credit bureaus doesnt respond within 30 days, theyre in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turner Acceptance Corp. (IL)

Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have noticed a social security number that is not mine. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and social security number, telephone number updated and remove any other names, addresses and social security number, telephone numbers that does not belong to me. If the account can not be verified, your company must delete the account from my credit report. If you can not show proof that you have verified this debt and continue to list these items on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.