davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (WA)

Debt Recovery Solutions ( DRS ) showed on my credit report with no mention of what the original debt is. No communication received from DRS in regards to the debt. On my credit report it lists XXXX XXXX XXXX as the original creditor but upon searching XXXX XXXX XXXX purchases written off debt. This company was of no assistance as they stated they no longer have the debt. As such, I have no knowledge of the debt & have not received any communication from DRS. DRS is also not licensed to collect debt in the state of Washington. The company is in violation of the FDCPA for not providing information & attempting to collect on phantom debt. Request this to be removed from my credit report.
Consumer complaint received 2018-03-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

I rented an apartment 5 years ago, renewed my lease after a year and lost my job 3 months into my second lease. I couldn't afford the rent payments and had to move out. I was told i would owe rent until the apartment was re-leased to a new tenant. Well, 4 years later and i have NEVER received any billing statements or letters about the debt owed, yet my credit report is showing that i owe {$12000.00} to a company called R.S. Clark & Associates in reference to the apartment. I recently called and spoke to the account manager at the apartments and asked if she could tell me when the apartment was leased after i left ... she couldn't. I asked her for any info in reference to my account ... she couldn't. She was the 3rd or 4th account manager in 4 years and referred me to the collection agency, RS Clark for the documents and information i was requesting because she didn't have it. I called RS Clark and asked for the same info. That account manager referred me back to the account manager at the apartment complex. I informed her that they sent me to her. I also let her know that in 4 years i have never received any information, billing statements, letters, etc about the debt yet it's on my credit repory and NO ONE can show me proof of the debt that i supposedly owe. 
That was 3 weeks ago and even after i updated my address with RS Clark i STILL HAVE'NT received any info on this debt! What they did do was update my credit report with a missed payment but how?!? I was bullied into paying {$6000.00}, ( half of the XXXX ), which i didn't pay because i requested documentation to show a breakdown of the amount and still haven't received anything so how did i miss a payment? And how are they just now reporting ONE missed payment in 4 years?! 
Please help me because without proof of the debt, the detailed account breakdown, no letters in 4 years and neither the apartment account manager or collection account manager knowing anything, I'm disputing the debt and want it removed from my credit report asap!

I've tried on my own but have yet to get any help and it's affecting my credit.
Consumer complaint received 2021-04-11
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. (AZ)

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section XXXX letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Re : Notice for Proof of Claim Account : XXXX XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also  request to see a certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.
Consumer complaint received 2024-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates attempting to intimidate me to collect an alleged credit card debt I don't owe them. No validation, never had any contract with them. They have failed to provide any document with my signature that indicates any account belonging to me. They claim they've validated the debt but yet to show which methods they used, what document states I have a contract with them, nothing. They keep intimidating me with phone calls at odd hours and weekends. 
They have also reported false date of me having this debt and it has had a negative impact on me to obtain credit being extended to me.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

XX/XX/XXXX - email came in to send off documents XXXX XXXX XX/XX/XXXX- replied with info asked XXXX XXXX XX/XX/XXXX - followed up with a telephone call and spoke to XXXX and was told the case would be escalated. 
Heard nothing for XXXX hours XX/XX/XXXX - follow up call again around XXXXXXXX XXXX talked to XXXX was told it would take some time. told him this was unacceptable when I have done nothing wrong nor illegal
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Fraudulent withdrawals of crypto currencyXXXX lXXXX From merchant : Coinbase Pro To XXXX, that I NEVER had or have an account with 1 ) XX/XX/2018 XXXX Withdrawal of 5 ETH in dollar amount of {$20000.00} 2 ) XX/XX/2018 XXXX Withdrawal of 5 ETH in dollar amount of {$20000.00} Please investigate and recover my losses. 

Claimant/Consumer : XXXX XXXX Cell : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX
Consumer complaint received 2019-08-27
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. (PA)

I have submitted numerous disputes with TransUnion, XXXX and XXXX regarding a predatory loan that was paid in full via auto bank draft withdrawals and even after providing proof of all payments made, the aforementioned credit reporting agencies did not delete the erroneous information.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (CT)

All happened in a 3 day span. 

My sister was letting me borrow {$5000.00} to get out of credit card debt and we were using XXXX to transfer money from her and her husbands bank account to mine. 

The first transfer happened on Friday, XX/XX/XXXX for the amount of {$2000.00}. I quickly paid that {$2000.00}. That posted on Monday XX/XX/XXXX. She attempted to send me {$2000.00}, and I saw it go through to my bank, but it bounced back because her bank thought it could be fraudulent. When that payment came in, I payed my card off immediately and this overdrew my account. 

TD Bank has a XXXX dollar overdraft fee and proceeded to charge me {$140.00} in overdraft fees and 14 maintenance fee for going under 100 $ balance. My account was back in the green Monday when my sister retransferred the {$2000.00}. 

When I spoke with the bank, they returned 2 overdrafts for {$70.00} on Wednesday, XX/XX/XXXX and said because it wasn't there bank that caused the error they wouldn't return anymore of the funds.

They justified four overdraft fees because XXXX  pulled 3 transactions from account on Sunday the XX/XX/XXXX for the amounts of {$11.00}, {$9.00} and {$1.00}. Each getting its own overdraft fee.

As I am trying to pay off debt, my corporate bank has fined me {$84.00} for a banking error that occurred when my sister attempted to send me money. Simply put my bank stole from me. I hope there is something you can do. I went to my bank and said I understand what happened and am willing to accept a {$35.00} overdraft fee, but they did not care. XX/XX/XXXX is the month I leave TDBANK, a bank that use to be amazing and is now huge and stealing from the people.
Consumer complaint received 2019-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I went to the PNC Branch bank in XXXX XXXX, FL. I told the representative I needed to wire some money to a bank in XXXX XXXX, however it was to a US Account. I had some written instructions ( attached ) which I showed to her. She said I would have to have and ABA number to transfer to a US account and would need the recipients address. I left the bank that day to obtain the information. 
I asked the recipient for his address and if there was an ABA number. In hindsight, the PNC representative did not understand the meaning of a US Account with a XXXX Bank. 
I returned to the bank on XX/XX/XXXX with the information the representative requested. At that point I met with another representative. I gave her the same written instructions. 
She began the process, but had difficulty with what information to put in the computer. After a while the first representative I met with came into the office to assist. Neither of them ever called PNCs international wire phone number to ask questions or get assistance. After several tries of putting various combinations of data into the computer, they finally got it to go through The representative told me I could make the transfer in any currency I wanted. I was not sure, so I said XXXX pounds. In hindsight, she did not understand a US account with a XXXX bank either or she would not have asked me that question. She would have known just to do in in US dollars. She never advised me of any charges that could be expected by making the transfer in this manner. 
{$9400.00} was withdrawn from my bank account and {$8800.00} was deposited in the recipients account. Somewhere in fees, conversions, etc., I lost {$610.00}. 
I asked about the loss in PNCs secure message service. The bank representative who responded said she was filing a complaint. I asked how to get a copy of the transfer information and was given a telephone number to request it. 
I received the report ( attached ) which does not give me the information I was expecting. When I requested the report the PNC representative said they thought the large fees were because the money was converted twice. 
In summary, I feel the PNC representatives did not have the knowledge to make the transfer in the correct manner therefore costing me hundreds of dollars. They did not present useful information including fees, exchange rate and net funds to be delivered, before completing the transaction.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I took out a 30 year conventional mortgage with XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage is serviced by LoanCare of XXXX XXXXXXXX, Virginia. There is NO escrow account for this loan- I pay all property taxes myself separate from the mortgage. I have never paid any monthly mortgage payment to LoanCare late, not even by one day. I have never paid my property taxes late for the property that is the subject of my mortgage with LoanCare. 

The second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes, owed to the XXXX XXXX, California property tax collectors office, was not due until XX/XX/XXXX. Again, I have never been late in the payment of any property tax payment. Nonetheless, in XX/XX/XXXX, LoanCare, without any authorization or right under the terms of my loan documents, claims it paid the second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes two months early. LoanCare did this even though there is NO escrow account for this loan, and there was no default or late payment by me in the payment of any property tax due. LoanCare admits this payment was completely a mistake on its part. There is nothing in the terms of my loan documents that authorized or allowed LoanCare to make such payment. 

Now, more than two years later, LoanCare has created a fake negative escrow account balance ( there is no escrow account for this mortgage ) for its unauthorized and improper property tax payment, and is demanding that I reimburse LoanCare for such unauthorized property tax payment. There is nothing in the loan documents for this loan authorizing LoanCare either to have made this unauthorized payment in XX/XX/XXXX, or to demand reimbursement for it from me now in XX/XX/XXXX. There is no escrow account for this loan and there was no right by LoanCare to make a property tax payment on my behalf for a payment not then due and not late or in default by me. Any unauthorized, voluntary payment by LoanCare was solely at their peril and is not my legal or contractual responsibility any more than if LoanCare made, say, a car payment on my behalf or paid, say, my XXXX bill and then demanded reimbursement from me. 

LoanCare can point to nothing in my loan documents that gives them the right to obtain reimbursement from me for their unauthorized and improper property tax payment. LoanCare is  now threatening to increase my monthly mortgage payment as of XX/XX/XXXX for its unauthorized XX/XX/XXXX property tax payment.
Consumer complaint received 2021-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I sent LVNV Funding LLC a cease and desist on reporting my information to the three credit reporting agencies. LVNV Funding LLC has already received notice that i refused to pay this alleged debt because they illegally bought my information from XXXX XXXX without my written consent. LVNV Funding LLC is now civilly and criminally liable for violating my consumer rights. LVNV Funding LLC has yet to resolve this matter.
Consumer complaint received 2021-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (VA)

My truck loan has been paid off since XXXX 2018. Chase has refused to send the release electronically. I've called Chase Auto XXXX 4 times. They have lied to me. Stating they sent the release to the State of Virginia. This has affected my credit in a negative way. I did not release it was impacting my car insurance the last 3 years with Virginia thinking the loan was still active for my vehicle.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

I have been disputing a debt with a company XXXX for over a year now. I had an account with them back in XX/XX/2014. I paid this debt in full back in the year of XX/XX/2014 in the amount of {$380.00}. Unbeknown to my knowlege about a year later I noticed on my credit report that it is reporting as a charge off to a bad debt. I would like to note that I directly contacted the company immediately and was told at first yes the debt is clear zero balance. I requested that it be corrected with the credit reporting companies as it is affecting my credit with false information. It was never removed. I again contacted them and was told the account was sold to Crown Assets. I contacted crown assets and was told that they have no record on file and that XXXX is no longer in business. I disputed this account with all 3 credit reporting companies and finally XXXX confirmed after there investigation that it is to be deleted off my credit report. ( which it was deleted ) however it is still reporting on XXXX and XXXX. I am fustrated that experian and XXXX is still reporting this. It is affecting my credit score. I paid this debt in full 4 years ago. Plus my biggest question is how XXXX was able to verify to delete it off my XXXX credit report because they have received confirmation but XXXX and XXXX did not receive the same response. It leads me to believe that XXXX and XXXX did not due a full investigation. I then contacted XXXX to see how they received there verification to delete the account and I was told that there was no response within the 30-45 day period they have to respond so by law it is automatically deleted. The rep also stated to me that it was confirmed that this company is no longer in business. I have been disputing this like I mentioned earlier for over a year now and they are still reporting it. I feel they are just updating the false information. I paid this bill in full 4 years ago and I planned on never ordering from them again anyway because there was nothing but problems with the item I had bought. ( It was a XXXX XXXX XXXX tablet ). The screen was cracked slightly and the tablet hardly works. ( I complained about it immediately and was told they would send me another tablet and I was to send back the damaged one ) They never sent me another tablet so I personally paid out of my pocket to replace the screen. Either way I received the merchandise and I paid for it. That company was beyond horrible and do not stand behind there products that's why I was never ordering from them again and probably why they went out of business. Having poor customer service like that will have you loose your customers. I want this account removed off my credit report. I am being penazlied for something that I paid for in full 4 years ago.