davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-27
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: Experian Information Solutions Inc. (FL)

This is my 3rd attempt to get the following inquiries removed. As they were NOT a FIRM OFFER OF CREDIT, EMPLOYMENT, FOR INSURANCE OR A COURT ORDER. THEREFORE UNDER THE LAW, these inquiries NEED to be deleted : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX AGAIN, the above inquiries NEED TO BE DELETED because they are NOT A FIRM OFFER OF CREDIT, COURT ORDER, INSURANCE OR FOR EMPLOYMENT
Consumer complaint received 2019-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX, PayPal permanently limited my close to 10 year old business account, my wife 's personal account and my personal account for non-fraudulent violations of their Acceptable Use Policy.

Furthermore, they stated that they would be holding my entire balance of {$29000.00} for 180 days to cover refunds and potential chargebacks. This effectively leaves me with {$0.00} in operating capital, savings and/or living expenses.

I wrote the company immediately, and they replied that they would not consider an appeal.

Phone representatives allowed me to speak with a supervisor, who stated the same thing.

One supervisor stated that I could write the corporate office, but didn't give me a contact person. They only gave me a general address to the PayPal office in XXXX XXXX.

I wrote again on XX/XX/XXXX stating that I didn't want my account any more but that all I wanted was to have access to the money in the account that it took years to accumulate.

For the entire calendar year of XX/XX/XXXX, I had a total of {$500.00} in refunds. I had {$0.00} in chargebacks ( see the attached report from my PayPal account ).

The company replied two days later with the same language, that they had to keep {$29000.00} to cover refunds and chargebacks.

On Friday, XX/XX/XXXX, I wrote an email to Senior Executives and the Appeals Department again requesting that they give me the balance of the money less {$560.00}, a reasonable amount to cover potential chargebacks and refunds. I stated that they didn't have to give me use of their product, but that I wanted to have access to my capital.

No one has responded by phone or email as of XX/XX/XXXX.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2018, an unauthorized ATM withdrawal took place for the amount of {$1000.00}. 
My Identity was stolen and I notified J.P morgan chase on XX/XX/2018, and requested a new Debit card. chase mailed the card and I never received it. on XX/XX/2018, someone used that card and withdraw {$1000.00} from my checking account, I received a mobile alert and instantly notified chase bank about the fraud activity same day XX/XX/2018. after their internal investigation chase denied my claim three times. I request a written explanation but they refused to provide any written explanation of the denial of my claim.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX/XXXX  Card Act. # XXXX XXXX Act. # XXXX   XXXX/XXXX Act. # XXXX XXXX  Act. # XXXX-XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX  | ( XXXX  ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX  ) XXXX  THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX/XXXX Act. # XXXXXXXX XXXX Act. # XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX  ) XXXX   CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE
Consumer complaint received 2019-01-07
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. (CA)

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX XXXX ACC # XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$590.00} XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Consumer complaint received 2019-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

My name is XXXX XXXX. XXXX : XXXX ... I've recently disputed this debt multiple times from Midland Funding ... they are not the original creditor ... the account was closed and they bought the debt from the original creditor ... I need validation that I owe this debt ... My signature is not on any contract with them ... My rights have been violated under the Fair credit reporting act ... as well as UCC 1-308 ... every time I dispute this debt collector nothing get 's solved ... like the credit bureau 's and this agency is committing fraud against a name that isn't mines ... I have a Nationality ... XXXX XXXX ... I'm not the ALL CAPITAL LETTERS NAME on any paperwork ... I've stated this fact many times. Section 609 of the Fair Credit Reporting Act is suppose to protect me against agencies like this one. Why are my rights being violated and nothing is being done about it from the credit bureau 's or by second party agencies that I don't have a contract with?
Consumer complaint received 2021-08-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

I recently filed a complaint with CFPB against Celink reverse mortgage servicer ( see claim # XXXX XXXX. Celink recently mailed two insurance payment checks to me that I had been requesting for over 8 months. The payment was from two insurance claims that Celink did not cosign ( as they were supposed to do per XXXX XXXX XXXX ) and return to me ( for repairs on the house ). They just deposited the money in their account and kept it. After I filed a complaint with XXXX and CFPB, Celink mailed the two checks to me ( totaling almost {$14000.00} ... see original complaint ) and then responded to CFPB stating that they honored their commitment and they considered the case closed. However, as soon as they wrote to you, they stopped payment on my check. I deposited one of their checks for {$9600.00} on XXXX XXXX XXXX On XXXX XXXX XXXX  my bank notified me that the Celink check was returned unpaid, and now my bank has charged me a {$12.00} fee for the stopped payment check. In the meantime, Celink quickly sold my loan to another servicer, XXXX, effective XX/XX/. When I contacted Celink about the bad check their representative told me that Celink no longer has any responsibility with the loan and that I should contact XXXX for payment. When I contacted XXXX they said Celink is responsible for replacing the check ( and bank fee ) because Cellink kept my insurance claim money. Celink is in violation of California Penal Code 476a PC which forbids issuing a check intended to defraud - as Celink advised both the XXXX  and CFPB that they were issuing the check to settle my claim and then immediately stopped payment on the check. It is a felony if the check is over {$950.00}, which it is. Not only did Celink commit fraud with regard to the insurance payment, they lied about the false foreclosure they place on my property and still have not resolved that issue ( although Celink said they did ). Before Celink dumped my loan on a new servicer with thousands of money due to me, they suggested that I put everything I thought was an error in their CFPB response in a letter, with supporting documents, and mail it to a supervisor at an address they gave me. I did that and it was returned to me unopened ... Return to Sender, Forward Time Expired. I have never dealt with such a corrupt, dishonest company in my life. I want the money that they owe me and the illegal foreclosure removed. They have not resolved anything at all.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC (NJ)

On XX/XX/2023, UAS/CollegeAve student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till I had to file for a loan and got rejected a few weeks ago. Upon reviewing my credit report I noticed a write off from CollegeAve student loans. This is a loan for which I am a co-signer. 

The loan was put on a disbursed schedule during the pandemic and CollegeAve had never informed me when the disbursement had ended. Furthermore CollegeAve had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has destroyed my credit score that I have worked so hard to build. I had the means to pay for it all this time but CollegeAve had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gordon, Aylworth & Tami, P.C. (WA)

Gordon, Aylworth & Tami, P.C., on behalf of XXXX XXXX XXXX XXXX sent me a summons and complaint that they were suing me for {$590.00} for a XXXX XXXX account I had never opened nor authorized. I did not ever receive any communications from XXXX XXXX, XXXX XXXX, or Gordon, Aylworth & Tami, P.C.,  and had no knowledge regarding the fraudulent account, until I was handed the summons at my door on XX/XX/XXXX. I filed an appearance and an answer to the complaint, denying that the debt is mine and that I was a victim of identity theft. According to the papers sent by the attorney, there is a statement of charges totaling approximately {$220.00}, which were not made by me. I have not received any documentation with my signature either, showing that I opened or authorized the alleged account with XXXX XXXX. I was only sent generic copies of papers from XXXX XXXX and papers from various firms, including XXXX XXXX, with a data file account blacked out, but nothing that specifically states or validates that they purchased an alleged account with my name, or were authorized to collect on alleged account. ( which they would have been fraudulently collecting on, since I did not open or authorize any account under my name! ) The account, per the documents I was sent, was opened in XX/XX/XXXX, and was closed in XX/XX/XXXX. In XX/XX/XXXX I was contacted by USPS and also had contact with the IRS, regarding someone attempting to change my address to an address in XXXX. As I had not known about nor heard about this debt, which is not mine, until a little under a month ago, I feel my rights as a consumer have been blatantly violated, because I had not received any prior communication or notification regarding the fraudulent debt from XXXX XXXX, or XXXX XXXX, until I received the summons at my door, that I was being sued, on XX/XX/XXXX. So, from XX/XX/XXXX to XX/XX/XXXX, I had no knowledge of the account, nor communication from the aforementioned companies, that would have enabled me to properly dispute the account and charges in a timely manner. Thank You for your time and attention to this matter. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

please remove accounts which are not belong to me or any transactions made by me. 
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2018-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I have sent Midland two letters regarding a debt they claim I owe and have filed a dispute with the credit bureaus that Midland responded to with a claim that the debt is valid. 
I have provided a copy of the letter I mailed to Midland in XXXX, which clearly requests proof that Midland owns this debt and has right to collect, which Midland blatantly ignored in their response - the response is also attached. 
As a resident of New York City pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I have a right to see proof that Midland owns this debt and per NYC Law, Midland can not collect on this debt until such proof is provided to the consumer if requested. 
Since my request Midland has continued to make collection efforts sending letters to attempt to collect the debt dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX in addition to several phone call attempts in that time period these collection actions are a violation of my rights as a consumer.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Called today XX/XX/2019 asking for a credit for the {$39.00} late fee to be credited. XXXX of Delaware Call Center said she could not credit me. 

I told her it is not my fault that I made the payment on the due date but due to the Federal Reserve system it took a day or 2 to post to my account. 

Please talk to XXXX XXXX about these fraudulent charges and how they hurt his market share by not treating customers properly.
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (FL)

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$910.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle on XXXX. ( Please see copy of the Vehicle Invoice. ) In addition, on the same day I purchased the vehicle, I also purchased GAP Insurance. ( Please see GAP ADDENDUM attached. ) I was involved in an accident that resulted in the vehicle being deemed a total loss. XXXX XXXX XXXX XXXX XXXX ( Letter attached dated XXXX ) has broken down the coverage of the vehicle as follows : Original Amount Financed XXXX GAP Contractual Maximum XXXX Contractual Payoff XXXX Minus Adjustment/Warranty XXXX Minus Net GAP XXXX Minus Primary XXXX Minus Misc Adj XXXX Total GAP Settlement XXXX TOTAL OWED XXXX The GAP Addendum clearly shows there was coverage and any remaining balance due was paid. Consequently, the charge-off being reported is false and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-09-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

I PAID MY ACCOUNT OVER 8 MONTHS AGO, AFTER BEING TREATED IN A HARMFUL MANNER BY THE STAFF. THEY WERE PRACTICING UNLAWFUL DEBT COLLECTION ACTS. I DO NOT EVEN BELIVE THAT MY ORIGINAL BALANCE AWAS ACTUALLY OWED. THEY WOULD NOT TELL ME OR PROVIDE ME WITH ANY PROOF THAT I ACTUALLY OWED THE DEBT AND THE ACCURATE AMOUNT. I BELIEVE THAT I WAS OVERCHARGED AND IN REULT OVERPAID! THE REPRESENTATIVES WOULD OFTEN GET VERY RUDE AND EITHER HANG UP ON YOU FOR ASKING REASONABLE QUESTIONS OR TRANSFER YOU TO A VOICEMAIL NO ONE WOULD ANSWER. THEY THREATENED ME WITH TAKING THINGS FROM ME FOR NOT PAYING AND THAT I COULD GO TO JAIL FOR IT. THIS ACCOUNT STILL HAS NOT BEEN REMOVED FOR MY CREDIT, ALTHOUGH I HAVE BEEN TOLD BY AT LEAST 3 PEOPLE THAT IT WOULD BE! I HAVE CALLED AND COMPLAINED NUMEROUS TIMES! I HAVE BEEN LIED TO BY THE STAFF ABOUT THE PROCESS! I HAVE NOT EVEN RECEIVED MY REQUESTED PROOF OF PAYMENT! THIS ACCOUNT SHOULD HAVE BEEN OFF MY CREDIT & I SHOULD HAVE HAD A RECEIPT OF PAYMENT BY NOW. THIS IS A VERY SHADY COMPANY. THEY SHOULD NOT BE ALLOWED TO DENY OR FAIL TO PROVIDE A RECEIPT THAT THE CUSTOMER ASKED FOR OVER 8 MONTHS AGO - NOR FAIL TO PROVIDE ANY PROOF OF DEBT OWED. THIS COMPANY IS TELLING LIES OVER A RECORDED PHONE LINE AND THAT IS ILLEGAL. OVER THIS RECODED PHONE LINE, THEIR STAFF OPENLY STATES THAT THEY DID NOT DO THEIR JOB PROPERLY IN RESOLVING THIS.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMW Financial Services NA, LLC (CA)

BMW FINANCIAL SERVIC is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BMW FINANCIAL SERVIC along with a notarized affidavit claiming fraud. BMW FINANCIAL SERVIC is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BMW FINANCIAL SERVIC to close their files which have any information with my name & social on it ...
Consumer complaint received 2018-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Collections U.S.A., L.L.C. (FL)

I had a balanced due to a doctor the balanced was discharged with my bankruptcy which was filed in XX/XX/XXXX and discharged XX/XX/XXXX. The account was transferred to XXXX and XXXX XXXX XX/XX/XXXX. I advised the company it was discharged during bankruptcy procedure. XXXX and XXXX XXXX continue to pursue this payment and has posted it on my credit report. I have been disputing this company since XX/XX/XXXX with the credit reporting bureaus.
Consumer complaint received 2018-09-09
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. (FL)

I had submitted five claims with Experian trying to get multiple inaccurate/ false late payments removed from my credit report. However, they kept saying, it verified, but in reality Experian never contacted my former mortgage company XXXX, because when I called them they referred me back to EXPERIAN. I even get a letter from them say I NEVER LATE. 
XXXX and XXXX are removed the late payment, but Experian would not removed the late payment from my credit report. 
I don't know what to do right now? 
Please, somebody help me? 
Do I need to contact someone else? 
Now Experian won't even allow me to make another dispute online, while they won't show me any document from XXXX. 

I don't know what to do at this time! 
All I need is for Experian to do it job. 
Thank you.