davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NJ)

THE COMPANY, CAPIO PARTNERS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ( A ) ( XXXX ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account.

Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I cancelled internet with XXXX XXXX XXXX. I informed the company that the modem they provided was broken and I purchased my own modem vs. getting another one from them. The company stated I didn't need to return the modem. Then a few weeks later I get a bill for their modem. I contacted XXXX XXXX XXXX and the representative stated they needed it back. XXXX XXXX XXXX provided me with a XXXX label to return the equipment, which I did sometime between XX/XX/XXXX - XX/XX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they wanted {$170.00} for the unreturned equipment. Called XXXX XXXX XXXX on XX/XX/XXXX and advised the equipment was returned. XXXX XXXX XXXX ( XXXX - Emp ID # XXXX ) stated the account would be credited within 24 hours. The next letter I received was from a credit collections company. I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX, emp ID # XXXX, and provided the reference number on the customer copy of the XXXX slip they provided. I received a call from the collections company on XX/XX/XXXX & XX/XX/XXXX stating XXXX XXXX XXXX says we still owe for unreturned equipment. I contacted XXXX on XX/XX/XXXX to get the tracking number, however they said only XXXX XXXX XXXX has the tracking number since they provided the Air Bill label for shipping. I cancelled my service with XXXX XXXX XXXX after 4 months of phone calls and constant follow ups to get {$300.00} credited to my account that they owed. After the credit finally went through and I used up the credit, I cancelled because of the bad service and the number of hours spent on the phone with them. This is the same kind of situation. They promise one thing and don't do it. I've spent multiple hours on the phone with them and I'm simply exhausted. Any help would be appreciated.
Consumer complaint received 2015-09-17
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ZARVAD III S.A. (OH)

On XXXX/XXXX/2016 my human resources manager came to me with concern over a phone call that she received from a " XXXX XXXX '' asking her what our company 's procedure regarding them coming to remove me from the company. I looked at the phone number she had written down and recognized it to be that of a collection agency that I have dealt with in the past regarding a online payday loan with " my next day cash '' I called and spoke with a male who would not let me speak with XXXX XXXX and who went on to describe the debt and informed me that it was check fraud, several attempts to serve me with a warrant had failed, so now they were coming to my job to " remove me '' The debt with " My next day cash '' is 2 years old. The reason that I received a loan from my next day cash is because I had run into some financial difficulties and I needed the help. I was making my payments until I again ran into some financial difficulties with my husband and the IRS. The phone call upset me and the human resources manager as I have told them to stop constantly calling my place of employment. They have my cell number and house number and they also have my email address to contact me. I concur that their collection practices are a violation of the debt collection laws with their blatant threats to incarcerate me and constantly interrupting my place of business, when they were told to stop. I did not get the gentlemen 's name who I spoke with but he informed me that he was with XXXX XXXX and my case number is XXXX. They were calling from XXXX.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX Chase withdrew {$3000.00} from my XXXX XXXX XXXX XXXX to satisfy the remaining balance on this credit card. On XX/XX/XXXX and XX/XX/XXXX XXXX additional withdraws from this checking account for {$3000.00} or {$6100.00} total was collected by Chase, even though there was a XXXX balance. I noticed the additional withdraws and contacted Chase on XX/XX/XXXX inquiring about the activity. Was instructed that these were auto payments set up by me, even though I have never used this feature and the account was paid in full. I requested a refund, was sent an email from Chase payments on XX/XX/XXXX with instructions about how to receive a refund. I provided my information that matched all of my Suncoast account information where the money was withdrawn. I received an email on XX/XX/XXXX to confirm that I had requested the refund. There was a discrepancy found in the email that listed my bank account ending in XXXX. This was not the number I provided and called immediately upon receiving the email. I was instructed to input my account information into their site and they would correct the discrepancy on their end. According to the Chase representative, I should have received an email to verify the reimbursement within two days. No email was received and I have placed numerous calls to Chase trying to acquire my refund. I was finally contacted on XX/XX/XXXX at XXXX by XXXX at Chase ( XXXX Ext XXXX ) who left a message that she was looking into my inquiry and would be in contact within three to five days. I called XXXX on XX/XX/XXXX at XXXX at the number provided. I left a message for her to contact me about the status and provided her with information regarding a point of contact with XXXX XXXX XXXX ( XXXX XXXX XXXX Ext. XXXX ) who looked into this so called ACH transfer from Chase and was unable to find any transfer in that amount within the time period that Chase may have transferred monies to XXXX, no matter the account number, just in case it was accidentally deposited into someone elses account. I have made numerous attempts to have my money returned and cant believe the level of incompetence much less the severe disregard for monies owed. I have never been late with a payment to Chase, have kept my account in good standing, and was just paying it off. Please help
Consumer complaint received 2022-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got in the wrong hands ....
Consumer complaint received 2022-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

First of all Im a XXXX  and have been out of school since XXXX... I had my loan switched to several different agencies multiple times. The last loan company I recall was XXXX and was told that I was on income repayment at {$250.00} back in XXXX and that was last for 10 years. Then I see sometime in XXXX the loan was switched/sold to AES and I owe the same amount that I took out in XXXX. I feel like I have made consistent payments based on what was set-up. I have worked for several insurance companies, and I guess they are consider for profit companies. Im currently self employed/contract and work for the government. I really need to speak with someone to see what is going on with this loan. 

Thanks
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2021, I received an email from XXXX XXXX XXXX  XXXX. with the subject line " Important XXXX XXXX XXXX XXXX Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

TransUnion closed my initial request asking them to remove the inquiry and said it will be on my credit report for 2 years. I am attaching proof and a letter from XXXX XXXX to expedite this and remove it immediatrly
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NY)

I made an exchange for digital goods online on a third party website, where I had an arrangement after funds were sent to me I would release digital goods. After confirmation was sent to me that funds where sent and funds where received on paypal, I transferred the digital goods. A month or so later I realize my account is negative and when I tried to contact paypal they claim that they dont cover these transactions and that it was a fraudulent transaction. Even though no transaction occurred over paypal other then receiving monies owed.I have proof of the transaction and even a picture the individual sent me that they sent me the funds. Which they don't even want to accept since they do not accept these types of transactions they claim.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This complaint is my follow-up request in line with my previous complaint last XX/XX/2023, the items I am disputing must be removed or blocked in my file to prevent further more damage to my credit report. Here are the items mentioned : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} The addresses lis

ted above are not my current address, These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX. Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2024-04-10
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. (PA)

XXXX ) XXXX XXXX # XXXX. XXXX ) XXXX XXXX XXXX # XXXX. XXXX ) XXXX  XXXX # XXXXXXXX all ( 3 ) are in violation of multiple laws set forth by Congress for reporting accounts illegally to XXXX XXXX, Equifax and XXXX. 

15USC 1681b ( 2 ) states in accordance with the. written instructions of the consumer to whom it relates, I have never provided written permission for such accounts to be reported on my consumer report.

Additionally, 15 US Code 1681s2 ( e ) ( 1 ) ( A ) states that a person shall not furnish any information relating to a consumer ( XXXX XXXX XXXX ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.I have never received any form of notice to opt out of my non public personal information to be shared with unaffiliated third parties.I have a right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, non verbal per 5 U.S. Code 552a per the FCRA as a federally protected consumer may have given you written, non written, verbal and non verbal per 15 U.S.C.6802. I shall also point out their responsibility pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after a notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is ( ii ) the information is in fact inaccurate. 
Remove these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MO)

My hardship started in XX/XX/XXXX. I was injured at work by making a wrong movement pulling a heavy object. I underwent XXXX immediately after and went without work for many months, which caused me to fall behind in all of my bills including my mortgage payment. When I came back to work I encountered earning s reduction and decreased in working hours. I had been searching for a 2nd job to supplement the loss. I reached out to JP Morgan Chase, the servicer of my loan to request for a loan modification. My first attempt was XX/XX/XXXX. They cancelled my application stating that I did not supply all the documentation they needed, when I have evidence I did. The single point of contact was XXXX XXXX. The second time I reapplied was XX/XX/XXXX. I submitted a complete package to Chase and from there on I've been given the running around with respect to my income. I utilized my wife 's income as she is a contributor to the family budget, which Chase neglected to recognized so they declined my application again. Meanwhile, I was able to secure income by start working for myself. I presented the Chase, with my bank statements reflecting the necessary income to qualify. Now Chase, more particularly XXXX XXXX who acknowledged the reapplication out of XXXX, TX stated that short after that the modification was declined due to the fact that they will not take in consideration my self employment income because is not reflected in my XXXX tax returns, knowing that I have been XXXX XXXX only in XXXX. 
Per representative the only time they can use the XXXX XXXX to apply for assistance is when said income is on the tax returns for 1 year, which contradict FHA Guidelines. I have an FHA LOAN. 

SUPERVISOR XXXX IS THE SUPERVISOR VP MANAGER AND XXXX IS THE REP.
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

My husband and I moved out of the XXXX XXXX apartment complex in XXXX, Colorado as of XX/XX/XXXX, rent having been paid through the end of the month and owing no money as per the lease agreement provided to us by them. On XX/XX/XXXX I get a credit alert that they have put in a claim to collections for {$630.00} with no supporting documentation or reasons as to why or how the debt is supposedly ours. 

We can supply a copy of the lease agreement showing that we owe nothing upon moving out and bank records showing that rent was paid for that entire month in full. The paperwork supplied clearly states that the checked box replaces the early move out provision and the amount is blank, meaning nothing is owed if a move is conducted before the lease is up. 

We tried to dispute this with XXXX, to no avail. We need this removed from our credit reports as we are trying to obtain a business loan to start a new venture. 

This is how it appears on XXXX : Company : National Credit System Address : XXXX XXXX  XXXX XXXX, XXXX, Georgia XXXX Phone : XXXX Alert Date : XX/XX/XXXX Balance {$630.00} XXXX XXXX 's contact information : XXXX XXXX XXXX XXXX XXXX, Colorado, XXXX XXXX
Consumer complaint received 2022-05-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc. (FL)

In XX/XX/XXXX of XXXX I found furniture on XXXX XXXX and financing was offered through American First Finance. The total cost of the purchase came out to {$2500.00}. There were to be bi-weekly payments of {$200.00}. 

On XX/XX/XXXX I contacted XXXX XXXX and asked if they would take the furniture back after seeing that the payoff doubled. The company stated that they would not accept returns. I called American First Finance. I spoke to a representative that stated if the store would not accept the return of furniture. She gave me the option of donating it to a not for profit charity and uploading a form with the charities tax ID info on it. I stated that I didn't have a truck to take the furniture to the said charity and asked if XXXX XXXX would do the pick up. She stated they would not. 

On XX/XX/XXXX, I called to have a payment deferred since I can not afford to continue to pay on this predatory loan. They rep stated that they could not do a deferrement and offered to cancel the payment scheduled on XX/XX/XXXX. The payment still pulled out on XX/XX/XXXX and I called to see why. I asked for the payment to be refunded as I requested a deferment. The representative placed me on hold and asked when I could make up the payment. I again requested that the payment be refunded and stated that I would like a deferment. The representative explained that the XXXX collection system pulled from my card. 

This is predatory lending and I would like to return this furniture immediately.