davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MI)

Dispute Letter to Amsher Collection Services XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX 

XXXX MI, XXXX XX/XX/year> Amsher Collection Services , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX NMLS # XXXX RE : Account Dispute and Request for Validation Dear Amsher Collection Services, This letter is to formally dispute any and all debts you claim I owe. I am writing in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1681-S 2 ( 7 ) ( a ), and Regulation E, 12 CFR 1006.34.

Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( a ) ( 1 ), I demand written verification of this alleged debt. This verification must include the following information : The name and address of the original creditor. 

The amount of the debt. 

The date the debt was incurred. 

A clear explanation of the charges. 

Verification that Amsher Collection Services is the current legal owner of the debt. 

Request for Purchase Agreement If Amsher Collection Services has purchased this debt from the original creditor, I request a copy of the purchase agreement under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Proof of Licensure and Bond Before I can further discuss this matter, I require proof that Amsher Collection Services is licensed and bonded to collect debts in the state of Michigan, as mandated by state law. 

Cease Communication Furthermore, I revoke all prior consent given to Amsher Collection Services to communicate with me via phone calls, text messages, or email. All future communication must be done in writing through certified mail, return receipt requested, to the address provided above. 

I expect a response to this letter within 30 days of receipt, which should include the requested documentation and confirmation of my communication preference. Failure to comply with these requests or any violation of the FDCPA will be reported to the Federal Trade Commission ( FTC ) and the Michigan Attorney General 's office. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I review my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate and investigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Regarding a promotional bonus that was advertised when I opened a Chase Total checking account and a savings account.

Upon opening these accounts with chase, I was informed of a promotional offer that included the following bonuses : A bonus of {$300.00} for opening a Chase Total checking account and having a direct deposit post to the account within 90 days. 
A bonus of {$200.00} for opening a Chase savings account and depositing {$15000.00} or more in new money within 30 days, maintaining a balance of {$15000.00} for 90 days. 
An additional {$400.00} bonus when completing both of the above bonuses. 
I am pleased to confirm that I have met all the terms and conditions required to qualify for these bonuses. 
Specifically : I opened a Chase Total checking account and had a direct deposit post to the account within the specified 90-day period. 
I also opened a Chase savings account, deposited {$15000.00} in new funds within 30 days, and maintained the required balance for the following 90 days. 
Despite fulfilling all the requirements for the promotional bonuses, I have not yet received the additional {$400.00} bonus as promised. I contacted a XXXX who assured me that the promotion would be honored, yet the bonus has not been credited to my account. 

I would greatly appreciate your assistance in resolving this matter and ensuring that I receive the full bonus amount as advertised. If there are any additional steps I need to take or if further documentation is required, please let me know so that I can provide the necessary information promptly.
Consumer complaint received 2024-03-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (NV)

My information is being used improperly. I am writing to request that Santander Consumer USA cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as per my rights under 15 U.S.C 6802.

According to the provisions outlined in the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt-out of having my nonpublic personal information disclosed to non-affiliated third parties and consumer reporting agencies. 

I hereby exercise my right to opt-out of any such sharing of my nonpublic personal information. Please ensure that my information is not disclosed to any non-affiliated third parties or consumer reporting agencies from the date of receipt of this letter and going forward.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

DEPT OF ED/NELNET- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. XXXX and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts off my credit reports.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (HI)

My accountant and I just completed an audit of my XXXX Chase XXXX Mileage Plus Visa cards for 2014 and found a duplicate XXXX XXXX ( XXXX ) charge that occurred on XX/XX/XXXX that posted to the account on XX/XX/XXXX. The error cost us {$1900.00}. We were dismayed when we found it and do n't understand why Chase does not pay closer attention to it customer 's statements before billing us with grave mistakes from their vendor branded cards!?
Consumer complaint received 2024-03-06
Product: Credit 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: BARCLAYS BANK DELAWARE (AL)

I made XXXX purchases for security cameras from XXXX : XX/XX/24 for {$430.00} XX/XX/24 for {$430.00} I returned these cameras because they were obviously used. Initially XXXX was not issuing a credit, despite my attempts to resolve the issue with them. Next I disputed these transactions with my credit card company ( Barclays ). XXXX issued a credit for the XX/XX/24 purchase on XX/XX/24. They did not issue a credit for the XX/XX/24 purchase. 

On XX/XX/24 I received an email from XXXX stating they would tell Barclays to resolve the chargeback for the XX/XX/24 purchase in my favor. Instead Barclays decided that case in XXXXXXXX XXXX favor, and refused to issue the credit. XXXX will not issue a credit, because they honored the chargeback, and told Barclays to resolve it in my favor. 

Instead Barclays decided it in XXXXXXXX XXXX favor. So I am not getting the credit, in spite of XXXX agreeing I am entitled to XXXX. I have spent hours on the phone with Barclays to get them to issue the credit on the chargeback. The representative had me on a XXXX way call with XXXX, asking XXXX to issue a credit. XXXX told her they honored the chargeback, so they will not issue a credit. The credit has to come from Barclays. 

I have asked multiple times to speak with a supervisor. That request was denied. They claim they will have a supervisor call me back. They either don't call, or they aren't there when I answer the phone ( on the XXXX phone call I received from them ). 

As I am writing this I am on hold with Barclays to get this resolved. FINALLY I got a supervisor. She has promised me the credit. With the run around and incompetence I have endured, I am not confident that I will get the credit. This has been promised to me multiple times.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (IL)

I have several hard inquiries on my credit report that I'd like to categorize as fraud and completely inaccurate. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I am within my right to report this information on my credit report as inaccurate and would like said inquiries removed. 

Companies Listed : - 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
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I spoke with the lender before and they said that we can do a short sale. I listed the property again with my realtor as a short sale. My realtor called in and checked if there is anything needed from the lender for a short sale and they said that we can not do a short sale because there is an auction date that is not within the XXXX time frame. All I ask is that they postpone the foreclosure so that we can do a short sale which will benefit both parties. I just want this to be done with and with them not allowing a short sale that is just unfair.
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BELMONT FINANCE LLC (MS)

BELMONT FINANCE LLC at XXXX XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$2200.00}. The collection has been reported as pasted due balance. I do not know this company. This company does not have a contact with my signature.
Consumer complaint received 2020-09-02
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)

On XX/XX/2020, I check my XXXX XXXX and I seen that XXXX ( National Credit Card Cos ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. You can reach me at XXXX if you have any question or need any help with anything.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (KY)

On XX/XX/year> I received a notification through my XXXX XXXX XXXX that a collection had posted to my XXXX account from a XXXX party debt collection company called Frontline Asset Strategies, in the amount of {$3200.00}. The original credit was listed as XXXX XXXX XXXX. When I contacted XXXX XXXX, they could find no record of my having a collection, so I contacted Frontline Asset Strategies next. When speaking with the rep, they could not match me to any of the identifying markers associated with the collection they had for the individual of the same name, outside of my phone number. The SSN, DOB, address, and email all were for another individual living and residing in XXXX XXXX MO ( I live in XXXX KY ). I was asked to email this dispute to XXXX and provide them with the details, which I did on XX/XX/year>. I have not heard back since then. I also disputed the collection through XXXX, however they state that the dispute resolution could take over a month to complete. The rep at XXXX did state that if I could obtain FTC/CFBP docs verifying the information was incorrect, they would remove the dispute immediately, so I am imploring your help. I am in the process of trying to obtain home financing and this error has cost me severely from a credit standpoint, and costing me thousands of dollars in potential discount point, interest, and monthly payments. I have spent years working and protecting my credit as I work in the mortgage industry and understand that importance of this score. Please help assist me in getting this erroneous credit collection removed from my credit, so I can work to quickly resume my high credit standards. Thank you.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (OH)

I reviewed my credit report & noticed Ive had repetitive reports from companies I did not authorize to run my credit. The dates range from XX/XX/2022 through XX/XX/2022. Ive contacted Global Lending Services to provide me proof of this ownership & if not to please remove off my credit report
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/2024, the Internal Revenue Service issued a processed and accepted XXXX, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the XXXX. 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NC)

On XX/XX/XXXX I called to dispute 2 unknown transactions. US Bank then told me that they are locking the account due to fraudulent activity and opening a new checking account for me to use the current funds left in the account and to refund the funds that were taken. They also told me that they would move the funds left in the account and connect my debit card to the new account in order for me to use the funds. Instead, the next day someone reached out to me via phone call and left a message letting me know that I would have to call a number to verify some information in order for then to open a new account. I called the number and they told me that they had nothing to do with opening my new account and to talk to the fraud department. Then they proceeded to switch me back and forth between departments because no one knew what was going on or who to talk to. Then after being switched around XXXX times they told me that US Bank made the decision to end the relationship and I couldn't have a new account opened. They locked my debit card as well so I have been unable to use my funds. They refunded my account from the fraudulent activity and the money is just sitting in the locked account for no reason. I have rent due and other bills to pay that have been delayed and late fees added due to no one at US Bank being able to tell me when my account will be closed and they send me my money.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My original complaint based on your prompts does not apply. Complaint # XXXX The bank charged me for a low amount in account. My issue is I never " changed '' my account to the type of account that would incur a charge. 
And they tell me it has always had this fee since XX/XX/1982! I've requested all statements since XXXX.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Viking Client Services (MA)

I called Viking Client Services about a {$390.00} debt to XXXX rental car. I did not know that XXXX XXXX ( secondary insurance ) and XXXX ( primary insurance ) had not paid the amount owed to XXXX XXXX XXXX, whom Viking Client Services represents. 

When speaking to the representative, he suggested that I simply pay the amount owed for XXXX specific reasons : 1 ) My primary insurance will go up if I file a claim with them to pay for these damages 2 ) My primary insurance is unlikely to pay the amount owed because they usually do not cover administrative costs of a claim 3 ) I would be reported to a credit agency and it would effect my credit As of XX/XX/year>, I also disputed the collection on their website because I tried calling several times and each time was transferred to an employee that was not available. I did not receive a confirmation by email and the dispute confirmation page shows no identifying information, if I needed to use it as proof. That further puts me at risk
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I contacted this company numerous times to try and understand the debt. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous, I have been having medical issues and not being able to know and/o understand this debt is not helping me.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AZ)

True accord has sent emails to my husband concerning is supposed debt that is in my name with XXXX XXXX XXXX  and XXXX This has also been reported to the three credit bureaus as a collection in my name. We have never done business with XXXX XXXX XXXX we have had service through XXXX and XXXX for the last 22 years and our payments are always automatic withdrawal and have never once in 22 years been late. I informed them that they had the wrong person and they told me unless I could verify all the information that they had on hand they could not help me. How can I verify a debt that is not mine I asked and I was told there were options to pay it off online. This is not my debt and I'm not going to pay it. I asked them to quit harassing me and to take it off my credit report and they told me that they could not do that unless I could verify all the account information that they have on file. I told them they were violating the fair debt collection and reporting act and they assured me that they had a XXXX star rating with the XXXX XXXX XXXX. This XXXX XXXX XXXX XXXX debt is not mine they're fishing and they're violating the law doing so and trying to ruin my credit history.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

Chase Bank enrolled me in their " MyChase '' plan without my consent on XX/XX/2023. Because of this, despite expecting monthly payments around {$70.00}, they have charged me {$110.00} for three months in a row now. I have spoken to Chase about this in 3 separate months, in XXXX, XXXX, and now XXXX. I was only informed about their " MyChase '' plan today, on XX/XX/XXXX. They have assured me every single time that my payments would go down, but now I've been told it won't be. I did not consent to their plan, nor did I ever sign up for it. They insist that I signed up for it on XX/XX/2023, but I did not do this. When confronted on the phone, a supervisor hung up on me.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PREFERRED CREDIT INC (TX)

The account with Preferred Credit was settled for less than full amount recenty for around {$110.00}. The company made a settlement offer to consider the account paid and closed. The payment was sent on XX/XX/2020 and cleared my bank. As of XX/XX/2020, the company reported the remaining balance is still due and failed to update all 3 bureaus. Requesting immediate update to all bureaus and account closed.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (TX)

Hello there and great afternoon ladies and gentlemen coming by to report an unexpected issue concerning that of my identity being stolen and the high alerting amount of fraud " low money payment wages " I had experienced while getting Social Security Benefits with the Social Security Administration. This constant harassment by local XXXX XXXX has now placed a burden within my financial stability in example " Clothing, Shelter, food, and vehicle transportation " This sort of abuse also came with several arising conflicts " identity theft victim " as I started maturing within my independence, including that of several failed approaches while running my credit looking for apartment homes, cell phone companies, attempts buying vehicles due to not being approved for a vehicle due to none approval reports, and also noticing a slow increase and none credited XXXX  credit line and credit score. I would love to ask for some help in possibly investigating this problem I have been experiencing for several years now and do wish to receive a report including the names and individuals whom abused accessible responsibilities in the past.