davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: United Collection Bureau, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : United Collection Bureau , Inc . 
Alleged Original Creditor Account number : XXXX XXXX XXXX XXXX Debt collectors Name : XXXX XXXX XXXX XXXX , XXXX . 
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$680.00} Current Creditor : United Collection Bureau , Inc .

Dear United Collection Bureau , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to XXXX to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via XXXX and or email @ XXXX
Consumer complaint received 2020-09-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (WA)

PayPal won't let me close my account. PayPal won't REMOVE my checking account from the PayPal Account. I have experienced REPEATED fraud with PayPal, but the company will not close my account or accept responsibility for the Fraud. It is extremely difficult to call and speak with anyone at PayPal. After sending several emails and text but getting no response, I did call and finally spoke with someone. I spent more than 2 hours requesting that my account be closed and that my checking account be removed from the account. PayPal has refused to do either.
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weber & Olcese, PLC (MI)

Notices were sent I will upload a PDF of the correspondences sent and the response I received was not under penalty and perjury and did not include validation only verification. None of my interrogatory questions were answered. This corporation has not shown the original deposit of the promissory note which would show that I issued the original deposit.
Consumer complaint received 2019-08-17
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 (PA)

Several months ago I closed my Visa Card with Bank of America because their continually over-charging of Late Charges and Interest, and carrying them as a balance on on account, even though I paid my account balance in full, and closed my account. 

Then on XX/XX/2019, as a sign of good faith and compromise, I agreed to pay the amount of {$220.00}. to satisfy my account balance in full, and this was approved by a Supervisor. 
My account would be satisfied in full, with no further balance, and no further bogus Late Charges and Interest penalties, etc.

THIS AGREEMENT WAS APPROVED BY A SUPERVISOR, so I paid {$220.00}.

I subsequently received a letter saying that they will NOT honor this agreement, after they accepted my payment.

Clearly a deception and a lie!!

Now they are charging my CLOSED account each month with Late Charges and Interest.

They are certainly aware that i can do NOTHING to stop this, and so they will continue to add on the Late Charges and Interest, and then sell this debt to a Collection Agency.

Also, they are giving me an Adverse Credit Rating.
Consumer complaint received 2017-12-21
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. (AL)

I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXXl - 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/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX SXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX XXXX of XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX  XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX FXXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX - ID - XXXX/XXXX/XXXX
Consumer complaint received 2017-12-21
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: MarkOne Holdings, LLC (FL)

I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 @ XXXX, I received 2 text messages on my cell phone claiming to be from Chase Bank Fraud Dept @ XXXX, case # XXXX. First message asked if I had attempted {$200.00} at a XXXX XXXX XXXX 2021 in Georgia -- I did not. Second message asked if I had made a XXXX payment of {$2000.00}. Both asked me to reply XXXX or XXXX. After replying NO @ XXXX I received a call from XXXX @ XXXX to discuss the remedy for this fraudulent claim. The person I spoke with, XXXX XXXX, walked me through the " process to remove the scammer '', XXXX XXXX, from the Chase XXXX account. He claimed I had to authorize another {$2000.00} transaction to remove this scammer. I followed his instructions for another {$2000.00} and I am now out a total of {$4000.00}. Chase claims they have no responsibility to restore my funds even though the scammer used the XXXX transfer pay process to access my account. Incredibly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JP Morgan Chase XXXX XXXX Bank XXXX XXXX and XXXX XXXX XXXX all jointly own XXXX but claim it is a third party they have no control over and are not responsible for any of its transactions.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (KY)

on or about XX/XX/2022 i contacted XXXX and or resurgent debt collector and asked for information regarding account ending XXXX and asking not to be contacted further. on or about XX/XX/2022 i received a text message from resurgent debt collector regarding an account that has been paid in full for less than the total balanced ( settled in full ) on or about XX/XX/2022 i received a notice from XXXX regarding an account which i have advised was opened without my written consent. company has not provided any relevent documentation regarding the account and continues to contact.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

Hi CCS/ XXXX/cfpb and all the credit bureaus ; I'm not sure why is this XXXX for {$500.00} is still reporting on my credit because i was told that it was supposed to be removed and permanently deleted from my credit. why is it still here. Delete it from my credit and see the proof attached. i been working on this with everyone ( e.g. XXXX, ccs, credit bureaus ) for the last 3-6 months. 

HERE IS A CONFIRMATION : Your payment has been received by this office. Thank you. 

Please print this page and keep it for your records. The following is your confirmation number : APPROVAL CODE : XXXX STATUS : Approved FILE NUMBER : XXXX AMOUNT : {$500.00}
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I checked my credit report today, XX/XX/2018 and noticed that the XXXX 's account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX 's credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX 's for payment.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (AL)

Previously a complaint was submitted on behalf of this negative tradeline on my credit report. 
I see that you all are reporting false and inaccurate information on my credit profile and I am no longer requesting, but demanding a removal of this erroneous tradeline. 

In response you all sent me letter and stated that I allegedly opened an account on XX/XX/XXXX and that you all purchased the account on XX/XX/XXXX. But, you are reporting to the credit bureaus something totally different. 

You are saying my account was opened on XX/XX/XXXX. For one, the date is wrong, and secondly, I didnt open an account on that date, however, XX/XX/XXXX is when you allegedly purchased the debt. So nothing should be reflecting on my credit report as if I opened an account on the day you all decided to PURCHASE A PUBLIC RECORD DEBT Youre also reporting to XXXX that the account is closed and charged off but reporting to XXXX that it is OPEN and I am LATE! Which is destroying my credit profile without consent. 

It is also said in the letter that my account became delinquent on XXXX XXXX but you are reporting to XXXX that my last payment was XX/XX/XXXX.. 


I am requesting this tradeline be deleted, as in REMOVED, as soon as possible, or I will request further action be taken for violating the acts of the FCRA.
Consumer complaint received 2021-05-06
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: Collection Consultants of California (CA)

XX/XX/2021, I disputed 5 collection accounts with COLLECTION CONSULTANTS OF CALIFORNIA, I asked for proof to validated and verify the information reporting on my account. No proof was provided. XXXX deleted all erroneous collections from my credit report as a result. I now require XXXX  and XXXX  to delete the erroneous collections from my credit report immediately to prevent any further harm to my credit. I also require COLLECTION CONSULTANTS OF CALIFORNIA to cease any further inaccurate and negative reporting to my credit report as per FCRA. I have provided my full XXXX  credit report as proof.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted XXXX to ask for a loan extension to move the next 2 payments to the end of our loan. XXXX has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. XXXX  also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, XXXX  began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an XXXX attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to XXXX; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (NC)

I bought furniture from XXXX XXXX XXXX XXXX XXXX, NC in XX/XX/2022. XXXX said that I filled all the paperwork out correctly and that they gave TD Bank the correct address to bill me. I never recieved a bill. I got a call from collections telling me that i had not paid. TD Bank will not talk to me becuase the account is in collections. I feel like TD Bank messed this all up, they should be willing to fix it.
Consumer complaint received 2021-07-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

For a number of years if requested to have a long closed credit account reflected as such on my report. Until a month ago this account was still being reported as open despite being closed in good standing in 2000! I placed a dispute with XXXX two months ago. The result from that dispute was that the account ( Bank of America ) was removed from my report instead of being reported as simply closed in good standing. The affect of this change resulted in the average age of accounts to plummet, along with my XXXX score from XXXX XXXX! Two outcomes would have changed this outcome : ( 1 ) if Bank of America and XXXX had changed the status years ago, I wouldnt have a lowered score, and ( 2 ), if XXXX  had reflected the account as closed in good standing instead of removing it from my report my score would be higher
Consumer complaint received 2017-12-21
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. (CT)

I have tried to get this resolved with transunion countless times in regards to the inquiries on my report. Customer service was of no help. I was a victim of the inquiry issue they had and they put the inquiries back on my credit file without notifying me by law. I want them removed. 

XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX TOTAL 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 of XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-12-19
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit card account ending XXXX with XXXX XXXX XXXX USA is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Consumer complaint received 2020-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ECMC GROUP, INC. (NY)

I have multiple lateness/missed payments on my credit report due to ECMC not properly contacting me to inform me when payments were due. I never received any statements in regards to my loan. It was also a period in time when my loan was deferred so there should not be any late/ missed payments that is being reporting on my credit file.
Consumer complaint received 2017-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America has both admitted fault in the handling of my dispute AND refused to take responsibility of their negligence. I 've spoken with Managing Director XXXX XXXX of the LOB responsible, who was as bold as to argue that they are not responsible for what his Claims associates say on the phone, nor are they responsible for what they do or do n't do as a result of a customer conversation in the Claims process. 

Specifically : *We made a purchase, it turned out to be different than what was described ( with contradictory pre and post transaction descriptions of the product from the merchant himself, i.e. a  slam dunk case ) *BAC took the claim *They denied the claim asking for a second opinion *I called, offered the second opinion, reviewed all other additional information ( see attached ) *BACs representative said the second opinion actually is not required, they would pursue the claim without it *Following BACs direction I called 2 times to verify the claim process was on track, BAC confirmed both times they were waiting to hear back from the merchant *3rd time, BAC rep realized they never actually continued the claim as previously promised, said I 'm out of luck *I escalate *Their Executive Relations team reviews my case, pulls the call where in which the representative promised to move forward without second opinion *ER REP LISTENED TO MY CALL AND OPENLY ADMITTED THE BANKS WRONG DOING ( her name was XXXX ) *ER had the LOB review again, but they denied any further consideration *I asked for the LOB contact information directly ( ER was happy to provide it ) *After a short debate ( first line LOB contact with XXXX XXXX ), the LOB ALSO OPENLY ADMITTED THE BANKS WRONG DOING , but argued they did at one point ask for second opinion, to which I technically did not provide ( because they told me not to, this again happened in the call recording that the ER rep pulled and saved ) *LOB promised to send to their manager, rather I was given back to ER, only for them to say again the LOB will not consider any further *This ER rep and I talk at length ( XXXX ), SHE ALSO OPENLY ADMITTED THE BANKS WRONG DOING, offers escalation *I talk to their " managing director '', he holds ground, refusing to discuss any logical or rational reasoning, just stating repeatedly that they did ask for something and technically I did not provide it ( again, because they said not to ... the MD at least avoided admitting any fault ). 

This ca n't be possible, right? Please see attachments.
Consumer complaint received 2023-03-29
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. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CT)

My account was hacked on XXXX, I contacted them immediately after it happened and lost over {$4000.00} to scammers. XXXX has been investigating this issue since XXXX and ive yet to get an update. There users continue to get hacked and lose money ane they dont care!!! Its irresponsible unethical and XXXX illegal!