davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company
Consumer complaint received 2023-02-22
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICE XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Around XX/XX/XXXX, I was looking to buy a XXXX account to play XXXX XXXX, and I found a person online who was selling their account. I messaged them on discord and we started talking about how the transaction would go, like the cost of the account, the payment method, and what I would be buying. About a week after we first met, we actually went through with it, and I paid {$400.00} through a supposed middleman, which I later realized was an impersonator. The seller pretended to have issues with the account and basically said that we'd have to wait an extra day or two to finish the transaction. I didn't think much of it and agreed. A few hours later, they said that they had gotten more stuff on the account and wanted to add more money to the transaction, and after a few hours of wheedling, I agreed because I thought I had already paid for the middleman so I wanted to just get it over with. At this point they essentially just ghosted me, and stopped responding. It was around here I realized that the middleman they had found was most likely just them on an alternate account. I tried to get a refund through paypal since that was the payment method, but PayPal doesn't have any protection against scams if you use the friends and family option, which is what I had used to pay. I then filed a complaint for the first half of the transaction, which was approved, but I forgot to open a complaint for the second one and am currently waiting for a response for it. The only proof I have are the transactions I made on paypal, and the discord chat logs, which I have attached as my proof.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I had called credit acceptance and paid off my debt i owe to them, i wanted them to delete it off my credit report but they will not i filled a dispute with XXXX twice its still on my credit report
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I was sent a warrant of debt on XX/XX/year> with a date for me to appear in civil court on XX/XX/year> which is only XXXX days apart. I then requested that they send all of the information including the original statement/copy of the agreement between me and the original creditor through email which I havent received.
Consumer complaint received 2017-10-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (MA)

Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XX/XX/XXXX. I now have a pre-trial conference scheduled forXX/XX/XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2.  XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized. 
3. It is unclear if the name listed under the lender, XXXX XXXX XXXX, XXXX. Is an authorized signer. Most companies have a delegation of authority in place. 
4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans. 
5. XXXX XXXX XXXX was acquired by XXXX XXXX in XX/XX/XXXX but did not change their name until XX/XX/XXXX. It is unclear whether XXXX XXXX sold the debt or paid it off when they purchased XXXX XXXX XXXX. 
6. XXXX XXXX is unable to confirm the business transaction between XXXX XXXX XXXX and XXXX. 

When I read the XXXX XXXX XXXXXXXX XXXX about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XX/XX/XXXX. You finally did a review and filed a complaint against this entity in XX/XX/XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
Consumer complaint received 2022-02-25
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: Manhattan Beach Venture, LLC (IN)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX Open date XXXX XXXX XXXX Open date XXXX XXXX XXXX XXXX XXXX XXXX Open date XXXX XXXX XXXX XXXX XXXXXXXX Open date XXXX XXXX Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I deposited my sons check into my account and the check was put on hold and was supposed to be released on XX/XX/XXXX. On the XXXX I call and they say my account is restricted. Mind you my son lives in a different state and is XXXX XXXX XXXX XXXX. They say I have to bring in my son with me to a branch and this has never happened before. My Fiance who happens to be a XXXX  woman has had literally zero issues depositing my work checks in her account whenever I needed. I'm disappointed at this level of blatant discrimination in 2022. I spoke with employee XXXX
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for a loan with bank of America with an advertised rate of 3.29 % and as a platinum honors client I receive a 0.50 % discount. My credit is XXXX I am putting over 25 % down and have a loan value below the example presented on the BofA website. I was quoted at 3.59 % after the 0.50 % discount. That is 0.80 % higher than the advertised rate or 24.3 % higher than the advertised rate. This seems to be a case of false advertising. When I asked for a reason they would not provide it. All they would communicate is the rate is what the system determines. See below for the advertisement and the example.
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (NH)

They are saying this is from XXXX  from XXXX XXXX XXXX XXXX in ohio Ive never been too Ohio before and I had health insurance living in New Hampshire never had this debt and I need it removed or they need too prove it was me either way this is fraud
Consumer complaint received 2022-04-15
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. (TX)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
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: WAKEFIELD & ASSOCIATES, INC. (KS)

I made a complaint on XX/XX/22 with Wakefield and Associates complaint # XXXX and the resolution was that they claimed that they have sent a request for deletion to the 3 credit reporting agencies on XX/XX/22 with the XXXX  and they have yet to follow through with their claim. They claim to be investigating since XX/XX/22. I check my credit report daily and pull my report weekly, I know that per company policies the 3 credit reporting agencies update negative requests immediately when they receive them. It has been 11 days since they made this claim.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

A Verification of proof request was sent to bureaus on XX/XX/XXXX regarding a collection that didn't belong to me from XXXX XXXX and the bureaus didn't respond within 30 days.
Consumer complaint received 2022-04-15
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. (TX)

Over the past 6 months, I have made multiple requests to Transunion to remove my student loan balance which has been forgiven in full. All other reporting companies have complied, but Transunion has refused to even confirm receiving my request. They also have not removed an auto loan which has been shown to have been paid in full for over 5 years under XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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: Credit Plus Inc (IL)

I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. CREDIT PLUS ( XXXX  XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX, XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

I contact XXXX XXXX for this charge. They change my account number and charge for XXXX XXXX that are paying on a new account they open. 
I have a ticket number open with t mobile where are doing a investigation for this issue. 
The reference is : XXXX. 
Please contact XXXX XXXX and remove me from collection.
Consumer complaint received 2017-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

Just received this email!  the password that they used is the same one I used ONLY to get into my discover accounts!!!!

On Wednesday, XXXX XXXX, 2017 XXXX XXXX, XXXX XXXX  wrote:
 
 
Hello XXXX XXXX,
 
You (or someone else) has just registered an account on XXXX XXXX XXXX. We are checking the validity of all email addresses to avoid that customers pay for services and finally don't get their confirmation emails with the access data.
 
Clicking on the link below will activate the account and you will be able to resume the signup process:
XXXX
 
username: XXXX
password: Using the pass word that I used to get onto their site to pay my bill!
 
--
Best Regards,
Customer Support team
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I moved to XXXX NC in XX/XX/XXXX and had several Chase credit cards that I was using for moving and living expenses. All XXXX accounts were current and had always been paid on time when Chase unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent Chase a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided XXXX offers to chase, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. Chase accepted the payment and never reinstated the accounts. Shortly thereafter, Chase began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to Chase in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with Chase many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent Chase a letter again disputing the status of the accounts and demanding validation. Chase failed to provide adequate validation and simply replied to my demand with old credit card statements. Chase also failed to report all XXXX accounts as being in dispute. On XX/XX/XXXX I sent Chase another letter demanding the XXXX accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from Chase simply providing old credit card statements once again. These XXXX credit card accounts are negatively impacting my credit score and Chase has deliberately and continually ignored my demands to correct the information.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

Sometime around XX/XX/2021 I applied for a credit card on American Express, XXXX XXXX  XXXX, I applied for this credit card to get to XXXX miles bonus and {$200.00} statement credit, I had to spend any amount of money on XXXX XXXX to get {$200.00} credit statement and {$2000.00} or more to get this bonus promotion of XXXX miles. I did complete the requirements and american express never gave me the promised promotion. I aksed for an explanation, they told me that it could be for having alredy used this promotion before, which I never applied for this promotion. they told me that it also could be becuase I had used other credit card, which is not true, they never provided to me any clear explanation why I was never given the offer. I submitted 3 different disputes and none of them gave me a real answer of why I never qualified. after a extensive research of finding reason why I did not get this promised promotion, I got to the conclusion that I deserve to get this bonus offer from american express, but they never helped me to solve this unfullfilled promised. 
american express unresolve disputes : case XXXX case XXXX case XXXX by XX/XX/XXXX customer service seemed not to care about my complains and never helped me to provided what I was promised
Consumer complaint received 2023-06-07
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. (NM)

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

The letters are stated with items and issues.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

A couple years ago I was loosing my house I had a first and a second. I did a modification with a young man i cant remember his name. I was verbally told that the first would be modified and that the bank erased my second. I have not paid on the second for years, I 100 % thought that the second was erased because I have not received ANY paper or call or anything about that second ever since the modification. Well recently i got my self in trouble again and I was working with a Real estate agent, he told me we needed to do shortsale so I submitted my paperwork. After a few months XXXX came back and responded that they denied the shortsale because the property had equity and that the balance was XXXX Just like the modification had mentioned. So I decided to sell the house like a normal person would. Well when escrow was looking into the file they asked XXXX regarding the XXXX. XXXX took days and even couldnt find the loan. Finally they gave me payoff for the first and then gave me a payoff for the second. I could n't believe it, I have not heard a peep about the second at all and now XXXX comes out stating that they found the XXXX. I think its odd since the attached modification paperwork states my new loan balance and I was told by the lender that my second was wiped out. Evidence that they have not made contact in years regarding the second and it doesnt even show up in my credit report! Well I didnt know who to contact since XXXX sounds lost when i call them they couldnt even find the second on their system until days later or weeks in the case of the short sale.