davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (MO)

This company

( I.C. Systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood
Woman with my God Given name ( XXXX   XXXX  : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (CA)

I RETURNED THE LEASE BACK TO XXXX AND THEY KEPT IT THEY SOLD IT AND SOLD THE LOAN TO A COLLECTION COMPANY AND ITS STILL REPORTING TO MY REPORT AND ITS AFFECTING MY REPORT NEGATIVELY - PLEASE HELP! 
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose XXXX XXXX XXXX Account Name XXXX Account Number Auto Lease Account Type Individual Responsibility XX/XX/XXXX Date Opened Account charged off. {$7400.00} written off. {$7400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$15000.00} Original Balance {$0.00} Highest Balance 36 Months Terms XX/XX/XXXX On Record Until {$7400.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX of 2015 I sent in an auto payment enrollment form to Bank of America to set up an auto payment for a credit card. They never set up the auto payment and then reported missed payments for XXXX and XXXX. This is wrong reporting.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (TX)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

When I attempted to get my free annual report online this morning from Equifax, the response was that I couldn't get it online. No reason was given. I created and logged in to a personal Equifax account. There seemed to be no way to get a printed full report from this site but sections of the report were listed for online viewing. However, the only portion of the report I was able to view was the summary. On the summary, my credit report status was " blocked for promotional reasons. '' I object to having my report blocked for that reason. In addition, the option offered to me after my attempt to get the report online was blocked was to mail a form and copies of ID documents to Equifax. The instructions specified that the documents must be mailed in a # 10 envelope. I think it is an unreasonable burden on the consumer to require that the documents be mailed in a specific size envelope.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (ID)

I have a derogatory report on my credit report from a AmSher for {$1200.00}. The charge was submitted by XXXX XXXX XXXX in XXXX of XXXX. I have contacted AmSher and have started the process to have this charge dismissed. I have never been contacted by either AmSher or XXXX XXXX  about this matter.
Consumer complaint received 2017-08-09
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: AMERICAN EXPRESS COMPANY (NY)

Based on goods not delivered by the merchant, a dispute was submitted. Prior to submitting a dispute, I contacted the merchant to resolve. I got an email from Amex indicating that there was a secure message which I was not able to find in the site and unable to access. At this point, I used the chat feature to connect with Amex to see what they required for dispute information. The information on the dispute was generic and did not provide specific for me to action on. " We require additional information from you to resolve your claim. If you have not done so already, please provide the requested information at your earliest convenience. The Inquiry Reference Number is displayed above. '' I tried the upload but that received an error and the agent gave me another link to another page to upload which failed few times. First chat agent did not seem to understand the issue so I asked for supervisor. Supervisor asked to submit a letter detailing out the issue which was addressed in the original complaint. When I asked, there was no additional information nor there was any additional information. I did not receive specific information about request in paper mail or email asking for information. I have uploaded the letter, order, invoice with merchant note indicating not shipped, and merchant indicating they will refund missing item. Chat reference : XXXX Inquiry Ref. No. : XXXX
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} XXXX XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (MO)

This company ( LVNV Funding LLC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name XXXX XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Collection
Consumer complaint received 2020-05-07
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} ORIGINAL XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2020-05-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

With XXXX XXXX XXXX has refused to properly verify accounts with Consumers that is reporting unverified account. 

They are reporting information that has hurt my ability to obtain credit. 

They refused to obtain original consumer contract with my signature on it. 

The company 's that I requested that XXXX XXXX verify was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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 (UT)

My Venmo account was closed on XX/XX/year>. I was told that I had broken the agreement and I needed to provide the correct documentation to proceed. I provided all of the info and then they told me that I had violated a user agreement. I requested to see what exactly I had violated and they refused to disclose the information. I just want my money out of there so I never have to use Venmo again. I have to wait 180 days to get it back so I am starting documentation now to make sure I receive it at the 180 day mark.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/XXXX at approx. XXXX in Illinois XXXX I received a phone call from someone stating they were calling to collect on XXXX XXXX XXXX account. The agent did not state they were with Portfolio Recovery Associates until much later in the call when I specifically asked if that was the name of the company they were representing. I believe the agent was intentionally leading me to believe they were calling from XXXX XXXX XXXX. 
The agent also stated they were trying to collect on an account that was last used in XXXX, which is past the statute of limitations. 
I asked to speak with a manager. The manager stated the last date I charged anything on the credit card account was in XXXX. I informed the manager that she is trying to collect on an account that was past the statute of limitations. She then attempted to change her statement referencing a date in XXXX. The information she gave me over the phone was incorrect and misleading. The agent was trying to intimidate me into making a payment in an extremely excessive amount that would not be required by law. 
This company tries to collect on inaccurate balance and even filed a lawsuit in XXXX. The case was dismissed but they are trying to collect on the same debt again. 
When I asked the manager how to stop the contact from Portfolio Recovery Associates, she said I need to settle the debt. I explained I already closed the account and it had been removed from my credit.
Consumer complaint received 2020-05-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal loan.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Portfolio Services, Inc. (IL)

This company ( Consumer Portfolio Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Illinois this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Illinois. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Illinois Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name XXXX XXXX : house of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house oXXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This account is over XXXX XXXX XXXX and should not be reported on my credit report. Appealed to the big three credit reporting agencies and company stated it was valid debit. Portfolio Recovery for XXXX dollars. The account was with XXXX Credit Card, then they sold it to XXXX XXXX and took away all my credits on my card XXXX like XXXX purchase credits XXXX Zip gone,. then sold it about XXXX or XXXX more times. Now Portfolio Recovery are claiming ownership. Its time to clean this off my credit report, its been over XXXX years and past statutes for reporting.
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NC)

Santander consumer USA I tried my best to ask them to split my payments for 6 months due to not employment and now receiving XXXX which ai n't much a month I really want to keep my SUV but Santander does not refinance loans and since they had help me in the past .. I owed way more on the vehicle than when I purchased it ... when I first financed the vehicle it was XXXX and now the pay off is XXXX I owe way more than what the vehicle is worth ... I am very hurt about this matter ...
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (GA)

Early Warning Services LLC has refused to properly, legally, completely and accurately validate these alleged accounts that were placed on my consumer profile. I have attempted several times over the course of 3 months to obtain proper documents for these adverse accounts but Early Warning Services LLC has refused to comply with the 30 day timeframe deadline by law to validate these accounts. They did not provide account transaction history, complete account indo, original signatures, photocopy checks etc. They even admired to Not having adequate records of these accounts into which I provided a police report for fraudulent accounts. They have not honored this police report. Early warning services refused to inform me as to how they allegedly validated these fraudulent accounts with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Who did they speak to? When? Contact info who supposedly validated these adverse accounts which are preventing me from opening accounts with other financial institutions. Furthermore, these accounts do n't bare my complete name. Early Warning Services LLC is defaming me and this is illegal. They refuse to comply with the law. I am violated as a consumer.