davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (FL)

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

AMSHER COLLECTION SERV ( Original Creditor : XXXX XXXX  ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2023-05-07
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: Paypal Holdings, Inc ()

Hello I am complain against PayPal they close my account and they dined my all the disputes, I have not received the item from Seller and she blocked, after when I open a dispute now PayPal close my account they did not help me to get my refund, I also share a screenshot, Please help me to get my refund because it is my very hard earned please help me to get my refund from XXXX XXXX. 

4 disputes each XXXX $ amount. 
I ordered these pairs in XXXX but I have got nothing from the seller, she asked me first for more payment when I refuse they blocked me. 

Please you can contact to PayPal to help me to get my refund. 

Your help really appreciate Thank you XXXX XXXX
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2700.00}.
Consumer complaint received 2023-04-05
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

In XX/XX/XXXX, I contacted XXXX in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed XXXX a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how XXXX calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what XXXX is billing me for. On each disbursement that XXXX is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where XXXX received my correspondence. XXXX also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and XXXX has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XX/XX/XXXX-XX/XX/XXXX but I am being billed for these years. XXXX has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In XX/XX/2018, I contacted XXXX in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed XXXX a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how XXXX calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/, XX/XX/, andXX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what XXXX is billing me for. On each disbursement that XXXX is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where XXXX received my correspondence. XXXX also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and XXXX has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XX/XX/XXXX-XX/XX/XXXX but I am being billed for these years. XXXX has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I XXXX XXXX am trying to apply for a checking account, but it says I'm in the checks system ( I need to be removed from the checks systems ), so I logged in my XXXX XXXX and seen I have XXXX closed accounts on my credit report I have no knowledge of. Two XXXX  XXXX accounts, XXXX XXXX XXXX XXXXXXXX, FNB OMAH, and XXXX XXXX. I have no knowledge of none of those accounts. 

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 XXXX XXXX XXXX. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FNB OMAH, and XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

Through a credit monitoring service I learned that a " collection activity '' was entered into my credit bureau file by Credit Collection Service.  The collection agency alleged that I owed {$62.00} in XX/XX/XXXX to XXXX. However, according to my bank bill pay records ( please see attached XXXX, XXXX received payment in the amount of {$62.00} on or about XX/XX/XXXX. I have written a USPS certified mail with return receipt to Credit Collection Service to verify their records and remove the erroneous entry but to no avail. According credit bureau data, the  erroneous entry was entered into my credit bureau data on XX/XX/XXXX even though I paid as agreed in the months of XXXX and XXXX of XXXX. Please see attached letter to Credit Collection Service. 
Further, I reached out to XXXX 's executive service relations Mr. XXXX XXXX ( would not reveal his full name per company policy ), he stated that XXXX did not refer my account to collection. Please see letter containing his statement attached. 
The fact is I do not owe XXXX for the month alleged. I have never been late on this account since inception back in XX/XX/XXXX. But the problem is, on XX/XX/XXXX. I canceled XXXX 's service and the company refused to cancel the service. After speaking with 3 representatives on the phone and 2 others via chat without achieving account cancellation, I went into XXXX 's local store and canceled through store manager Mr. XXXX. However he could not provide proof of cancellation citing company policy.Till date I still have not received final billing statement from XXXX and have no proof that account was terminated by consumer.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES (VA)

I received a warrant in debt from Zwicker & Associates on behalf of XXXX XXXX and it scared me. I didn't realize until after signing an agreement with Zwicker that several practices under the Fair Debt Collection Act was violated. I never once received a letter from Zwicker indicating that a debt was owed and right to dispute the debt. I spoke with a Zwicker attorney who told me that the only way to avoid judgement was to set up an arrangement, sign an agreement and pay the debt.

Zwicker never once provided me the opportunity to dispute the debt or engage in dialogue about the debt they skipped all required practices and went straight to the courts. On XX/XX/2019, I contacted Zwicker to make my agreed payment. I was told by the representative that I would have to make two payments as the XXXX payment was not received. I asked for a manager who was extremely demeaning and threatening. He said that they had not received the XXXX payment and I would have to make both payments or they would not accept a payment from me. I was previously informed by Zwicker that if I didn't pay the debt that they would garnish my wages.

I asked if I could make payment towards the lower balance account to pay that one off and was told no that I could only make a payment towards all three accounts which I have since learned that I can pay towards any debt and not required to pay a particular debt. According to XXXX XXXX my accounts have been charged off, I would like to understand the relationship between Zwicker and XXXX XXXX regarding a charged off account.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect NAME : XXXX XXXX XXXX 2. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate US DEPT ED Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My mother, XXXX years old, impaired, was a victim of fraud. She went to Citizens and had them attempt a wire to the fraudster. The wire failed, and Citizens knew the reason for failure was high suspicion on fraud as noted by their fraud agent. It was an attempt to wire to a XXXX year old man, whos account was just frozen. Further, they sent this wire, with my mother name and with my name ( now exposing me to this fraudster ). I am a co-signer on her account. They never told my mother of suspicion of fraud, and as she thought they just couldnt do what she thought she needed done ( dire need she was lead to believe to help her grandson ), and she preceded to withdraw her life savings in two {$25000.00} increments. Her initial visit to Citizens was on XX/XX/2019. Follow on visits twice to make these large withdrawals on XXXX and XX/XX/XXXX or there abouts, and at no time did Citizens help or advise her of fraudulent activity against the elderly. At no time did they contact me though, they had no issue putting my information on the attempted wire without my permission. My mother went down the street and made the wires unfortunately. She had never touched her savings before, never did these kinds of withdrawals, never did a wire. Citizens should have been forthright with the info on the attempted wire to alert her or call me to avoid what apparently was obvious fraud to the bank.
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc (PA)

I was reached out to by a collection agency claiming medical debt from 3 years ago. This collection agency called me on XX/XX/XXXX saying that I owed close to {$300.00} dollars from XX/XX/XXXX for 2 prescriptions. I explained several times that I never received this prescription and that I always pay my pills on time. I reached out the better business bureau on XX/XX/XXXX and explained the situation and they reached out to the company. The company then sent a fake bill with dates that did not match. I reached out to my medical insurance on XX/XX/XXXX where they verified that I never saw a doctor within the time span this was from and nothing was ever submitted. I emailed the XXXX back stating that I never saw a doctor and I also called the number on the " invoice '' they provided me that leaded to a sketchy number with no return call. The XXXX called me this week and informed me the medical company had closed on XX/XX/XXXX and that this seemed to be a hoax. The XXXX informed me I should contact the Federal Trade Commission on this. I went to the FTC website which then has led me here. The collection agency is threatening to report this to my credit on XX/XX/XXXX. Please help.
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I discovered last year that I'm a victim of fraud from Bank of America who has been collecting since XX/XX/XXXX for a mortgage loan that they do not own. You can see the various complaints that I filed through your agency to force them to answer my questions. I have just received copies of fake documents with contradictory information. Based in that information I found out that the alleged loan was converted in to a bond and sold to a wall street trust that ceased to exist since XX/XX/XXXX. Furthermore, the alleged pretender lender named in the trust deed was not the lender, the source of the monies. He was a straw man, who received a commission to pretend being the lender. In addition the true source of money for this alleged debt were the multiple investors of wall street trust, XXXX XXXX XXXX, that as I said before do not exist since XX/XX/XXXX, whose investors were paid in full from the insurance, and also from the 30 trades of the same mortgage in a pool. For the above reason, the note and trust deed are invalid, void, because they arised from fraud. 
I'm current in the payments, because I wanted them to negotiate before rescinding the never consumated alleged loan. But Bank of America is not responding to the QWR SENT to them from my attorney. They received the request of information since XX/XX/XXXX, and up to today, they have not responded. Please see the attached QWR that they received on XX/XX/XXXX, and the tracking number from the US Postal services to confirm. Also The subservicers XXXX XXXX, who collected from XX/XX/XXXX to XX/XX/XXXX, and XXXX who collected from XX/XX/XXXX to XX/XX/XXXX under Bank of America are also co-conspirators.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MD)

Why does the CFPB and the Federal Govt permit credit card companies from charging interest rates that many would consider to be usary? The Fed Funds rate is currently 2.5 % and the XXXX  Prime Rate is only 5.5 % while many credit card companies are charging rates in excess of 20 %. Is 14.5 % or more over prime really fair? Mortgage companies have rate caps to prevent usary, why not credit card companies? I've seen credit cards with rates >24 %. How can this be permitted?
Consumer complaint received 2023-05-07
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. (NY)

AS OF XXXXXXXX XXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE
XXXX XXXX XXXX XXXX
AUTHORIZED USER
Credit usage
40%
Balance
XXXX  Balance updated
XXXX XXXX XXXX
Credit limit
XXXX  Account info
Account number XXXX  Open/closed
Open
Date opened
XXXX XXXX XXXX  Account type
Credit card
Status
Open/Never late.
Status updated
XXXX XXXX
Highest balance
XXXX
Monthly payment
XXXX
Last payment date
XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX  Phone number XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I have a promotional balance that is due in XXXX, 2020. When Covid hit I contacted the Care Credit in to see if I could get an extension, they denied me NUMEROUS TIMES saying 'You already made the purchase, we can't extend the date the Promotion expires '. So I set up Automatic Payments in XXXX so I could make equal payments in time to pay off the balance. I logged into Care Credit Synchrony 's website : https : //www.mysynchrony.com/ in XXXX and noticed that they did NOT take out XXXX and XXXX 's payments automatically as stated in the Auto Payment agreement. I made a {$200.00} payment immediately and sent an email to Care Credit. I double-checked that my Auto Payment was still active and it stated that it would deduct the agreed upon amount on the Next Payment Date in XXXX. I just logged on today and they did NOT deduct my Auto Payment. Auto Payment is still Active. They are hindering my ability to pay on my credit card automatically. Their advertising is misleading : " You are currently enrolled in autopay for this account. Your next Autopay Amount of {$230.00} will be processed on your next payment due date '' It has not taken out an AutoPay since I scheduled it. They state, " Autopay : Never miss a due date again. You can choose how much you want to pay so that you never get a late fee '' and yet they are missing my Auto Payments. They are hindering my ability to pay off this Promotional Balance automatically. And they are misleading me into believing that I don't have to worry about a payment being made. They also deleted most of my email correspondence in my account on their website.