davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C (KY)

I received a letter around XX/XX/year> from this law firm stating that I owe {$10000.00} for a credit card. I never received any debt validation. I responded to their letter by sending a debt validation letter, to verify debt and all info -- including original contracts from the original creditor, amounts claimed to owe, proof of calculations of what is allegedly owed, identity of original creditor, proof that this law firm is licensed to practice in my state of Kentucky, etc. I sent the letter around XX/XX/year>. I have yet to receive any sort of validation of the alleged debt, which was also not provided to me within ten days of first contact attempt.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear Portfoli Recovery Associates, LLC I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter. 

I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, XXXX XXXX. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation. 

Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have. 

Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved. 

Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of XXXX XXXX. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt. 

Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place. 

I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-03-09
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit card or prepaid 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: Winklevoss Exchange LLC (CA)

I previously submitted a complain # XXXX. My credit card company respond is not valid since they didn't provide new documentation after my dispute, they only sent documentation before the date of the confirmation of the refund by XXXX. 
GEMINI documents investigation referred to XXXX  policies, one of the policies is that I need to reach the end of 6 months of the course, however my access was cancelled on day 12 because I disputed the transaction, when I emailed the company their respond was " The full program amount has been sent back to your bank, we therefore removed course-access. '' breaching the agreement of the 6 months that I needed to reach. 
GEMINI provided a document where XXXX mentioned that I was happy with the course but I sent an email on XX/XX/XXXX to XXXX  telling them that I was not aware that I would not be able to access all of the course material once signing up and I will not be able to view the session until XX/XX/XXXX which was very unfair because they asked to reach 60 days when I would not have a full access.
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I used PayPal Goods & Services, which charges a 3 % protection fee, to purchase a ticket from a vendor. This vendor did not send me the product. When I reached out to PayPal, they closed the dispute and did not work with my bank to reimburse me. 

This was a {$1000.00} transfer made on XX/XX/2023. PayPal closed the case saying that the transaction was refunded, however, it was not. 

The 3 % protection fee used in PayPal Goods & Services was designed to protect buyers and sellers from fraud, and PayPal is not honoring the paid service fee.
Consumer complaint received 2023-08-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

On XX/XX/2023 my home was damaged by a wind event. Penmac has been holding the funds from insurance. I struggled for months to find anyone that would work with me to provide these documents PennyMac was requiring to release the funds from my insurance policy that I pay for. 
I previously contacted the CFPB and was told that if I could find a company that would do this, they would release all funds without the need for the inspections. 

I signed with a roofing company that had a quote {$2000.00} higher than any other quote I had gotten, submitted all of the required documentation and PennyMac released {$1400.00} and is requiring inspection now for the rest. 

This was not the agreement made to resolve the prior CFPB complaint. There is now mold spreading through my home, my kids are starting to have headaches and other issues. 

This is completely unacceptable.
Consumer complaint received 2023-08-17
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: General Motors Financial Company, Inc. (WV)

I am writing to request the immediate removal of the late payment entries from my credit report the are in violation of the fair credit reporting act specifically 15 U.S. Code 1681 a ( 2 ) a ( I ) According to the FCRA late payments should not be reported as negative information. This effects my creditwillingnss and ability to obtain favorable credit terms. I kindly request that you investigate this.

Per FCRA, I expect acknowledgement of this law In accordance with the fair credit reporting act the creditor has violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy U.S.C 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681A section 2 exclusions does not contain solely as a transaction or experiences. Experiences between consumer or person making report 15 U.S.C 1661A section I transactions are NOT included in the consumer report.

I have filed a dispute with GM financial they refuse to remove it and I have talked to them multiple times, they are very hard to deal with and I want this negative remark removed
Consumer complaint received 2023-08-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I am currently trying too close on escrow selling my home and my mortgage company PENNYMAC made an error and reported a partial claim on my home to HUD and recorded to the county that was denied. I have tried for a month to get resolved and nothing is happening. I have been told over a dozen times someone would call me back and no one has called me. I have gotten my closing title agent to call and emails sent and no answer. I received a email from a supervisor XXXX XXXX from PENNYMAC stating he had his team escalate to HUD to get partial claim removed and updated and nothing has been done. XXXX XXXX from PENNYMAC hasnt returned any emails and no calls from him updating me on a status of what is going on. I was suppose too close on escrow on XX/XX/2023 and today I still havent closed. The buyers of my home has put in notice where they are living and needs to move into home and cant. This is a great inconvenience and unprofessional of PENNYMAC and their error that is causing me mental and financial anguish. I have had XXXX XXXX XXXX and my XXXX XXXX has been high for past XXXX weeks while trying to get this resolved. I am disgusted and frustrated with error from PENNYMAC that they are slow too fix.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Unauthorized inquiries on my transunion report, I have written to companies and no results taken XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XX/XX/XXXX XXXX  XXXX XXXX I did not authorize this inquiry XX/XX/XXXX XXXX XXXX XXXX I did not authorize this inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry XXXX XXXX XX/XX/XXXX I did not authorize this inquiry
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

Please see the dates in the attachments where I have been trying to work with this creditor and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess that is my credit. They have been unresponsive and continue to just send credit statement after credit statement as some kind of proof the account was active, however, those purchases were never done by myself. Discover Credit Card Services keep denying my claim even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report, police report, and my own written statement of the crime committed against me.
Consumer complaint received 2023-02-27
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. (CA)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2021-07-28
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. (GA)

On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. XXXX  continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. XXXX  is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I tried fixing this issue since XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

I purchased some trading cards from XXXX XXXX XXXX last month. In the month of XXXX. I received the cards and they were all factory damaged like cards that were suppose to be disposed of. They sold them to me and I called XXXX XXXX XXXX to get a refund or replacement. They said no that I would have to call panini, the manufacturers of the cards. So I did and was told to send them I did and they sent them back and they refused to replace the cards and was told to call XXXX XXXX XXXX. They told me they weren't going to refund me and called XXXX  yet again. They told me to call my credit card company. So I did. Discover was the credit company. I opened disputes and they said that transactions are valid. I explained why I should get a refund but they didn't care do to the no refund policy. But that shouldn't apply if I get a bunch of cards that have so much damage to them all they are good for is firewood. 90 % of the cards are damaged. Like I stated earlier, they package they rejected cards off the line and i received them. The seller nor the manufacturer would help me. Kinda telling me " we ripped you off and what '' please assist with this. I'm out over $ XXXX. 
Discover credit card {$930.00} XX/XX/2023 {$820.00} XX/XX/2023 {$310.00} XX/XX/2023 XXXX
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

I ended up with a loan care mortgage end of XXXX  which was being serviced by Lakeview Loan Service. For my first payment with Lakeview, I setup my account online and also called them to pay my mortgage. Both transactions were successful and I had funds in my account. For some reason the transactions were both reversed. They reported me as late which took my credit rating down XXXX. I would like that fixed asap.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

I applied for a Barclays XXXX XXXX XXXX XXXX XXXX XXXX, and was not provided the sign-up bonus of XXXX miles, following a purchase within the first 90 days of account opening, which I did. 

I applied for the card over a competitor of Barclays ( who also offered a card with AAdvantage miles ) because of the bonus offer that was made and I accepted. 

I applied on XX/XX/23, but Barclays delayed both the approval and sending the card well beyond anything I have experienced. I only got the card in the mail on XX/XX/23 -- over a month since I applied, and, I was told it was approved in early in XXXX when I called to inquire. 

Since I knew it was approved in early XXXX, I knew I had until the end of XXXX ( XXXX being a short month ) to make a purchase. 

I made a purchase on XX/XX/XXXX, which posted on XX/XX/XXXX. Even if my application was finally approved on XX/XX/XXXX ( which would have been the earliest date of approval based on Barclays saying early XXXX when I called ), the transaction posted on the XXXX day ( if both days are included ), and XXXX day since I had received the card and activated it. 

The activation date is arguably relevant to the opening date, as the only way I was allowed to use my card was to agree to additional terms online from Barclays. If I refused to agree to these terms not in the application, and governing general card usage, it would be hard to argue the account was fully opened until I agreed to the additional terms Barclays required. 

I realize I was cutting it a bit short, but I still completed the requirements for the XXXX bonus miles in time. I am guessing there is a flaw in Barclays system which failed to account for the shorter month of XXXX, or an error in the sending of a card well after I applied which did not all in good-faith for 90 days if they largely delayed sending me a card for weeks on end. 

I am requesting the XXXX bonus miles given the large timing anomalies regarding the approval/delivering of the card and the ambiguity on what constitutes opening of the card when all other card issuers seem to stick with approval ( as well as give additional grace period days or deliver the card in a faster timeframe. 

I will accept Barclays providing the XXXX bonus miles as a courtesy that acknowledges no wrong doing on their part or an acknowledgement of many concerns Ive brough up, as I dont wish to drag this out if the miles could be provided.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo has repeatedly hit my account with XXXX dollar overdraft fees even when my account had/has the money to purchase items. XXXX of 2023 I called Wells Fargo about my account being overdrawn with multiple late fees 2 were taken off. I did buy a budget book so that I may keep track of Wells Fargo and my account. This isn't the first time overdraft fees were added to my account as much as nearly as much as approximately XXXX XXXX in overdraft fees, this happened in I believe XXXX. I did call Wells Fargo to inquire about this lawsuit but no help or information was given, until I researched more myself and came here. I have been a member of Wells Fargo for some years. I bought a table from XXXX last month for approximately XXXX, a week or so later my account is hit with an overdraft fee by Wells Fargo. When I called Wells Fargo to complain the woman on the phone actually went back into my account a few months a took overdraft fees off my account.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found (GA)

On XX/XX/XXXX, I noticed a {$2400.00} charged from a rental car company posted to my account while the card was locked. Then I noticed that the same rental car company has been trying to charge my card going back until XX/XX/XXXX but those charges was declined. I reported on the same day to my bank which is Found Bank. They started their investigation. Everything they asked of me I did. Found Bank only does fraud disputes via email. There is no way possible to speak to someone at Found Bank by phone. Which is very frustrating. The bank allowed the transaction the go threw even though the card was locked and now they are trying to put the blame on me. I reached out to the rental car company to notify them that those was unauthorized transaction. They stated that by the charge being so large that the local office could not reverse it, I had to get my bank to dispute the charge and they will notate the account that the charge was unauthorized. I kept reaching out to my bank to get frequent updates. On the XXXX business day, which is XX/XX/ 2024 of the investigation I emailed the fraud department and requested provisional credit or for them to take {$50.00} out my account since that's all the liability that's mine since I reported it the same day it posted. They responded with they are still investigating and asked me some more questions about the charges. I told them that every transaction whether went through or declined was unauthorized and they asked for more document. I told them I can comply with that but to still put the provisional credit towards my account while they are still investigating. Found bank never responded back. All I was asking was for them to follow the law about when it comes to investing fraud disputes by putting the provisional credit towards my account while they still investigate pass 10 days. They are holding my business up. I need this matter rectified immediately cause it has my account in the negative and now the are threatening to close my account.
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (ME)

credit acceptance company has reported me for 68 late payments that were never late. no one will fix this mess. i want it gone i am so fed up.. it is a violation of 15 us code 1681i ( 5 ) removal of inaccurate / invalidated credit information. This is the worst company on the planet and already are in the midst of several lawsuits