davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Statement date : XX/XX/19 Creditor : XXXX XXXX XXXX XXXX XXXX account # : XXXXXXXXXXXX Credence reference ID : XXXXXXXXX Balance : {$70.00} Hi, I have a previously cancelled debt for an XXXX XXXX XXXX mobile phone bill that has now been sent to collections with Credence Resource Management. The number on the account was ( XXX ) XXX-XXXX. 

At the end ofXX/XX/XXXX I requested a change in plan with XXXX XXXX XXXX, but the move was botched and forced me to incur a charge of the aforementioned amount. XXXX XXXX XXXX repeatedly could not fix the issue and eventually recommended I switch carriers, noting the charges would be eliminated as a courtesy in urgent ticket XXXX. The representative on the case was XXXX. 

However, XXXX XXXX XXXX still sold the debt to Credence, with whom I disputed the case 6 times in the following order : - Two phone calls - Two e-mails dated XX/XX/XXXX and XX/XX/XXXX - Letter In each of the e-mail exchanges, they claimed XXXX XXXX XXXX asserted the charges were legitimate. After the first response, I called XXXX XXXX XXXX on XX/XX/XXXX and had to escalate through 5 different people before they confirmed that the charges were cancelled based on the notes in the urgent ticket above. I do not believe Credence has made a good faith effort to verify this. 

In the final e-mail exchange, the following was written and the debt remains : We are in receipt of your email, dated XX/XX/2019. Please be advised that we will cease all communications with you regarding this matter. We strive to provide professional and courteous service. 

I called Credence two more times on XX/XX/XXXX ( XXXX, XXXX XXXX ) and XX/XX/XXXX ( XXXX ) to no avail. At this point, I hope the CFPB will be able to resolve this issue. 

Thank you.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (PA)

XXXX XXXX charged my AMEX card {$150.00} for the XXXX XXXX XX/XX/XXXX season. Instead of notifying me of the charge they sent my wife an email stating our XXXX XXXX will be auto renewed. According to XXXX XXXX, my wife is the " head of household '' and she only receives emails. My wife called XXXX on XX/XX/XXXX, the same date the charge was posted on my credit card and requested the charge be removed because we did not elected to be in the auto-renew program. I called XXXX on XX/XX/XXXX after seeing the charge on my AMEX and was told it was to late to make any changes with regards to my pass. I have copies of both cell phone calls to XXXX  credit card department ( see attached ). I asked the call center agent to file a complaint and explained that I was never notified as the AMEX cardholder of the charge prior to it being posted and regardless of their policy should have informed me under the consumer protection laws. They instead notified my wife and although she called to cancel the pass on XX/XX/XXXX, XXXX XXXX erroneously charged my AMEX account for {$150.00} on XX/XX/XXXX. 

XXXX XXXX are using deceitful methods to automatically enroll its consumers in a renewal program without clearly defining the consumers options. It is also important to point out that their website portal does not allow a consumer to delete or remove their credit card information. I have verbally, through email and their privacy portal requested my personal and credit card information be deleted without any avail.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Michigan Mutual, Inc. (CA)

Please find below a true and copy of a complaint I sent today to the Attorney General 's Office State of Illinois. Please find attached copies of statements dated 3/4/21 from Michigan Mutual verifying escrow balances and copies of refunds dated XX/XX/21 from Michigan Mutual with a total of {$1100.00} missing. 

On or about XX/XX/21 I refinanced and paid off loan # 's XXXX and XXXX with Michigan Mutual Inc. The balances in the impound accounts was {$1300.00} and {$1400.00} respectively. On XX/XX/21 I received escrow payment checks of {$760.00} and {$950.00} respectively. On XX/XX/21 at XXXX P.M. XXXX XXXX XXXX Extreme Loans current lender ) and I called Michigan Mutual on a conference call and we spoke to XXXX XXXX no title or contact information given ) who could not explain the discrepancy ; at XXXX XXXX XXXX no title, initials XXXX ) told us that the missing money had been used to pay my property taxes ( she did not provide any transaction or check numbers for verification ) the call ended at XXXX XXXX At XXXX XXXX  I called and spoke with XXXX at the XXXX XXXX XXXX Tax Assessors office who informed me that my property taxes were paid on the aforementioned properties on XX/XX/21 by the title company. No other payments have been received. Previous complaint : Ref # : XXXX File No : XXXX
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PACE Funding Group, LLC (CA)

In XXXX of 2023 I took out a loan with Pace Funding formerly XXXX XXXX for {$6700.00} to pay a contractor to install artificial turf in my backyard located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I withdrew {$6700.00} from my XXXX XXXX  account as a cashier 's check made out to pace funding to pay off the loan in full. Just recently they illegally withdrew over {$2300.00} from my XXXX XXXX  escrow account. I have contacted them several times along with sending them a copy of my bank statement showing the {$6700.00} withdrawal. They continue to refuse to accept this information. Due to their illegal actions, I had to make a payment over {$3200.00} to my Mortgage escrow account so my monthly mortgage payment wouldn't increase to over {$3200.00} from the current {$2800.00}. This is an extremely serious illegal action because I am a XXXX XXXX XXXX XXXX who is receiving 100 percent XXXX XXXX XXXX
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (NY)

Premier Student Loan Center was a third party company that called me about student loan forgivness. I jumped on the idea as I had heard about it and was struggling to make payments. The company told me I had to pay a fee to enroll and then I would have to pay just XXXX dollars a month for 20 years which would cover my loan, totalling at around XXXX total. as opposed to XXXX and change. Apparently, they were going to lie about my income to have my loan not be paid at all. Meaning they would report I make so little that my payments would actually be zero ; that is until my income is shown to be more, in which case I would start to pay my loan back again, while still paying them the total of XXXX over 20 years. 
Originally I was told that the XXXX was to pay off my loan. This is incorrect because the company gets 100 % of that money. While my loan would 've only been deferred until I show that I make more money, in which case intrest would still be growing on the loan, etc, etc. 
It was false advertisement and In the long run I would 've paid the XXXX and change plus the XXXX to premier student loan center. Which is no way to help a student forgive their loan.. Pretty messed up if you ask me.
Consumer complaint received 2022-12-02
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: Driveway Finance Corporation (MO)

I bought my car in XX/XX/2022 from XXXX. I reached out several times to the comps because the car was damaged upon delivery. They ignored me and finally responded after my return window had expired. It is now XX/XX/2022. My car is still not registered. Ive emailed, talked with their escalation team, and my state attorney general. Theyve sent several POAs and Ive sent them back. Each time I call for an update they cant give me an answer. They tell me if I get pulled over to show proof of purchase which doesnt even look legit. I was pulled over 2x because my temp tags have been expired since XX/XX/2022. The temp tags were only good for 10 days. I have stopped paying on the loan since I can not even drive the car legally. Its sickening that I bought this vehicle and cant even drive it!!! I have no transportation due to this company!
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by LVNV FUNDING LLC account number XXXX and account number XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights This company refuses to provide validation of this debt.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX, American Express incorrectly charged me {$400.00} with a AmEx XXXX XXXX XXXX XXXX charge. I called for XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX, XXXX hour on XX/XX/XXXX, XXXX hours XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX. Over the course of those calls, I learned that the {$400.00} charge was AmEx reversing XXXX {$200.00} credits that they had provided me, and for which they rightfully owed me for promotions on hotel stays for which XXXX of my stays qualified. AmEx secure messages stated that the stays that received the credits had been cancelled, although this is not the case. There were XXXX eligible stays, and so I should have received the credit. No representative I spoke with could explain the discrepancy or why the credits were reversed. Multiple of the agents opened disputes, multiple agents also opened reconciliation cases. However, an " XXXX '' department always closed the cases without reaching out to me or the original agents.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized.
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX. I XXXX XXXX contacted the following credit card companies pertains to credit cards that were opened in my name between the years of XXXX to XXXX. 
There are two credit cards from Capital One Credit Card Company that end in the following four digit number ( XXXX and XXXX XXXX When I contacted Capital One about the above mentioned card they agreed that neither card ending in ( XXXX and XXXX ) were never assigned to me and they have no prior record or history of the number under the name of XXXX XXXX. The customer service reps suggest that I find a complaint with the Consumer Protection Bureau and file a complaint On the same day I also contacted XXXX XXXX XXXXXXXX XXXX XXXX about two credit cards ( XXXX and XXXX ) that were assigned to my name XXXX XXXX that I have never received or used before. I called and spoke to two customer service representatives about the cards and the sales representatives could not find current or prior cards with the ending numbers XXXX XXXX or XXXX ) they suggested that I get in touch with the Consumer Protection Bureau to file a complaint. 

Once again I contacted a third credit card company XXXX XXXX XXXX XXXX XXXX about one credit card ending in XXXX XXXX XXXX that was assigned to my name XXXX XXXX that I have never received or used before. I called and spoke to a customer service representative about the card and the sales representatives could not find current or prior cards with the ending numbers ( XXXX ) they suggested that I get in touch with the Consumer Protection Bureau to file a complaint. 

I suspect that the all the cards from the three companies have been opened fraudulently and I want any record of these cards taken of all of the three major credit reports and that i am not held liable for any of the amounts owed because I never owned any of the credit cards.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I would like to share with this : the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX. They are actively scamming people of thousands of dollars and I happen to be one of their innocent people. They deposited my {$59000.00} check by forging my name because it was not my signature, and endorsed it with XXXX and XXXX which could be yet another one of their names used to scam people. Previously used firm names are XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX, and XXXX and XXXX the account used at CHASE BANK XXXX which after my monies have been deposited in an account that does not have my name on it will not even speak to me in the Fraud Department BUT CHASE BANK allowed someone to deposit a check that was written out solely to myself into an account that my name was not on. AND the actual Law Firm that wrote the check to me are telling me they can't help me because the check was NOT lost or stolen, that they MAILED it to XXXX and XXXX, and I needed to file a forgery claim/police report. I XXXX XXXX XXXX. Their address is in California. WHO DO YOU FILE THE REPORT WITH????? This process was done over the phone. I hired XXXX XXXX as my XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX of whom I spoke with mostly until she received my check in the mail from the law office here in Texas, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX of whom spoke to me up to XXXX XXXXXX/XX/2023, with an outright lie about sending me my funds. XXXX XXXX XXXX XXXX XXXX. I learned of him from the actual law firm that they are still calling on behalf of other clients as I type and you read. AND on XXXX XXXX XXXXXX/XX/2023, I was BLOCKED from every one of these numbers listed in this post. There's NO HELP for the VICTIM and PLENTY of help offered for the offenders by law offices. The address is a space that is up for leasing. The review on XXXX, XXXX are ALL WARNINGS that I obviously found a little too late however, I will not STOP until these persons have been brought to JUSTICE and paid for their wrongdoings toward innocent people like myself. THE BEST ADVICE I CAN OFFER YOU IS DO NOT SIGN ANY NOTARIZED DOCUMENTS WITH THESE PEOPLE OR THEIR SO-CALLED LAW FIRM PERIOD.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Subject : Notice Of Dispute - PENNYMAC - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account PENNYMAC - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account PENNYMAC - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account.

Original Open Date : Provide the precise date when the account PENNYMAC - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account PENNYMAC - XXXX. 
Proof of each late payment date I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2022-09-26
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX