davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents XXXX XXXX purchased on this account and have not received them. XXXX keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I sent a certified letter to this company address that was provided to me on my Transunion credit report. 

I requested that XXXX removed the unauthorized inquiry on my report. 

I also contacted Transunion through a Certified mail prior dispute process to investigate the unauthorized inquiry and they stated that I must contact the furnisher directly. 

Do to Transunion response I filed a complaint with the CFPB on XX/XX/XXXX XXXX to address the issue that XXXX has not replied or attempted to correspond to me about the inquiry. 

On XX/XX/XXXX CFPB replied stating they were unable to send the complaint to this company because XXXX was not in their complain system, and that the complaint was sent to the FTC and to the Consumer Sentinel Network. 

This company has violated my rights and has not answered to my correspondence within 30 days which is more then enough time to provide any form of consent or written signature on any application for credit showing I consented to this inquiry. 

This is a unauthorized inquiry that Transunion now needs to remove from my credit report.
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I've recently noticed a derogatory line for a collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication or dunning letter stating anything about a debt. This just showed up on my credit report without knowledge of what this is or any validity to it. If there was a form of communication or notice received in I would have been able to dispute or validate this alleged debt. However, this was input on my report in the middle of me closing on a home which has caused major issues when this simply hit my credit report out of nowhere. I am disputing the validity of this debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector. The date ; in which LVNV Funding, LLC sent me notification of this debt or any attempts at all to collect. The billing statements of this debt to prove the amount of debt alleged to me per FDCPA Sec. 809. ( a ) Notice of debt ; contents This is not an acceptance nor acknowledgment of this debt. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b )
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery XXXX XXXX XX/XX/2019 received call asking for deceased Husband, when told he passed away " XXXX XXXX '' insisted to speak to him, asking when did he pass away told her XX/XX/XXXX .She insisted to know what year? .I told her I already sent you death certificate and all that information, She continued to ask in loud tones WHAT YEAR, What Year, Being Upset and woken up, I said this year by mistake, She then Said loudly and mad its XX/XX/2019 it cant be this Year. I then told her I sent you all this information including the death certificate.She hung up, I composed myself, best as I could being very upset to be woken up like this. Im XXXX years old. Then I called back, they would not give me that person to speak to.The person insisted on getting more personal information that was not his business, insisted they said we don't have access to that information. I told him the call was being recorded and told them if they call again I was turning the recording over to the lawyer in town. They kept telling me to verify everything I said, including getting my address and phone # Finally I said No I sent you certified Mail for everything needed for this address. Portfolio Recovery has also sent mail to all my relatives in other states, address to me,
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: B9, Inc. (NE)

On XXXX XXXX, XXXX, I contacted B9 regarding a pre-authorized transaction for ** $ XXXX from XXXX that was never charged to my account. XXXX confirmed that the transaction was declined and no funds were taken from my account. Despite this, B9 continues to hold the amount as pending and refuses to release the funds. I have repeatedly contacted B9, provided screenshots of my bank statements, and submitted evidence from XXXX confirming that no funds were withdrawn. However, B9 has maintained that the transaction is still pending and will not be resolved until XXXX XXXX, XXXX. 

This delay has caused significant financial stress, as I rely on access to my full account balance. I believe B9 is unnecessarily holding pre-authorized funds and engaging in practices that might involve gaining interest on customer balances, which raises concerns about their business conduct. Despite multiple requests, their customer service has failed to provide a valid explanation for why the funds can not be released immediately, especially given that the transaction was never processed. 

**Key Issues : ** - B9 is holding funds for a transaction that was never processed. 
- XXXX has confirmed that no funds were taken, yet B9 refuses to release the money. 
- B9 has ignored multiple requests for escalation or prompt resolution. 
- B9 has provided inconsistent timelines, claiming the issue will not be resolved until XXXX XXXX, XXXX, with no valid reason for this delay. 

-- - **Desired Resolution : ** - Immediate release of the ** $ XXXX to my account. 
- An investigation into B9s handling of pre-authorized transactions and delays in refunds. 
- Assurance that B9 will discontinue the practice of holding funds without proper justification. 

-- - **Supporting Documentation : ** - Screenshots of communication with XXXX XXXX confirming no funds were taken. 
- Screenshots of conversations with B9 customer service. 
- Screenshots of my account balance and the pending transaction in B9s system showing no processed charge. 

-- - I am requesting that the CFPB investigate this matter to ensure B9 is held accountable for its actions and to prevent further financial harm to consumers. Also please look into the amount fees they charge people it's criminal that they cam get away with charging people fees that outrageous for everything. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-03-01
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. (AR)

My husband and I have files several disputes with XXXX, Equifax, XXXX, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, Equifax and XXXX reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (GA)

I XXXX XXXX filing this complaint on this First progress credit card company due to me having a paper less statement and was not able to go on line and see statement had to call First progress to asked why was this account not paid in full due to there was a low balance and request account information and was never told that all 8 payments that I paid by ACH was not going to principle they were going to late payment of {$40.00} ever month .I need First Progress Credit Co to credit my account of all Late payments fee. a letter attach was sent to company on two occasion. the say the did not receive.
Consumer complaint received 2019-08-22
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. (TX)

using my personal information did not apply for anything with them please take me off your opt out list do not pull credit FCRA violation misuse of my credit information found the report on Transunion
Consumer complaint received 2019-05-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (FL)

Loan # XXXX XXXX and XXXX XXXX Property : XXXX XXXX XXXX, XXXX XXXX , FL XXXX We've tried to get information from the original modification loan contract that would confirm we have to pay late fees accumulated prior to the modification loan contract. But to date, no one has provided us with contract language advising we would have to pay those late fees that were accumulated prior to the modification loan in XXXX. 

Since doing a new contract in order to keep my home in XXXX of XXXX, I have been transferred to different Mortgage Companies multiple times. Once again our current mortgage company, XXXX XXXX XXXX, has stated it has joined forces with PHH Mortgage Services and they are consolidating all mortgage accounts into one company, PHH Mortgage Services ( " PHH '' ), effective XX/XX/XXXX. They are also, once again trying to charge me for late fee incurred prior to this Making Home Affordable loan in XXXX. 

To date, none of the mortgage providers have provided anything written in the XXXX Making Home Affordable loan stating I have to pay these fees. ( It was the whole reason we were giving up our home, because we could not pay all of the fees and high mortgage payment. ) This Company is now apparently, threatening to add accrued interest, after 10 years of consistently not providing any evidence that I owe these fees after the new loan was processed in XXXX. 

We approached them about this after the attached documents were received, but again they sent old print outs from before XXXX 's loan and did not produce contract language saying we were responsible for the fees in the new loan of XXXX. 

Please have them either produce the contract language advising we would have to pay the late fees accrued prior to the XXXX new loan, or get them to stop harassing us with fees that no longer apply to our new loan. 

We are not of an age or the kind of health that allows us to come up with such an amount in a months notice. Thank You so much for your Help!
Consumer complaint received 2019-04-18
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. (CA)

one XXXX XXXX XXXX account has been reporting under my name, this account is not mine, does not belong to me, i have tried to dispute this with all three major credit bureaus, XXXX and XXXX have removed this inaccuracy except equifax, they are giving me a very hard time, please have this inaccuracy removed from equifax, you are my last hope appreciate
Consumer complaint received 2019-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: The J. G. Wentworth Company (NY)

I sold my structured settlement payments to JG Wentworth. In XX/XX/XXXX I received a settlement of $ XXXX/month for 25 years ( from XX/XX/XXXX to XX/XX/XXXX ) and a lump sum payment of {$500000.00} due to me in XX/XX/XXXX. In XX/XX/XXXX I sold 36 payments for {$75000.00}, in XX/XX/XXXX I sold 24 payments for $ XXXX, in XX/XX/XXXX I sold 60 payments for $ XXXX, in XX/XX/XXXXI sold 36 payments for $ XXXX, in XX/XX/XXXX I sold 48 payments for $ XXXX, in XX/XX/XXXXI sold 83 payments for $ XXXX. I feel scammed, violated taken advantage off ripped off by this company and their lawyers. They took out a lien on my XXXX  XXXX in XX/XX/XXXX claiming I owe them XXXX they sent me papers to appear in court in XXXX ( i live in the XXXX ny ) so I couldn't go because I couldn't afford a plane ticket and a lawyer and was bankrupt. I lost by default. In XXXX I tried to sell my XXXX to jgw but was told by a XXXX XXXX that he didn't want it so I tried XXXX, they told me we have a great relationship with jgw and will ask them to release the lein in california against your XXXX so we can buy it from you. I signed many papers from a California law firm and courthouse that I didn't understand. XXXX bought {$450000.00} from the {$500000.00} in XX/XX/XXXX and gave me {$170000.00} minus {$19000.00} I had to pay back to jgw. The only transaction that was approved by a judge was the last one, none of the $ XXXX monthly payment transactions were approved or seen by a judge. Please contact me for more information, I have copies of the contracts. Please help by reviewing contracts for wrongful doing, rip off etc.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted a complaint to Experian about inaccurate information on my credit report. I sent in documents to show my identity such as drivers license, social security card, utility bill, military id, and they said that cant confirm its me. Even sent in notarized document. Then I asked them to investigate inaccurate statues and account amounts and and late payments on my account. They came back and said Verified. When i asked to re investigate and to please send me the information they used to verify these accounts, they continuously refuse to send any information or re-investigate my accounts.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023, I received a notification from the credit bureau that my payments are past due with Wells Fargo. I know for a fact that I always made payments ahead of time. However, when I asked my wife if she has received any credit card statements from Wells Fargo, she informed that she has not received any statements for quite sometime. As a matter of fact she said, we only received about 4 statements since the inception of this credit card. I contacted Wells Fargo customer service and informed me that my case has been transferred to Wells Fargo collection. I am confused because I never received any phone call or letter from Wells Fargo collection. And yet the first I am hearing of a past due account is through a credit report. Wells Fargo never communicated with me to rectify this problem. When I brought this issue to the customer service and also to the collections person, they just did not care. As a consumer I am expected to be perfect since this affects my credit report. However, I also expect Wells Fargo to respect my right as a consumer and send me my billing statement and give me a chance to fix the problem. Unfortunately, Wells Fargo never respected my right as a consumer. I paid the total amount already which will be received tomorrow. I worked hard for my credit score. Hence, I am requesting CFPB to assist me in removing that past due on my credit report since I never received my credit card statements nor was I informed of a past due amount.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

COLLECTIONS {$2100.00} Reported balance PORTFOLIO RECOVERY {$2100.00} This account was in bankruptcy and closed out by XXXX. Once I came out of bankruptcy this is the only account that came after me reopening the account saying it was just opened. had phone calls with Reps at this company and was informed it was paid in full, when I asked for documentation and they sent the email ( not sure I still have ) that the account was paid it full ... they then came back and said oh, no we made a mistake it was a different account that was paid in full. I contacted them multiple times, asked that it be removed after I was told it was removed and paid in full. It is showing paid in full and closed with other reporting agencies. then they told me it was the wrong account that they told me was paid in full and kept it on the report. I also advised that I owe the IRS first with a tax lien of over {$20000.00} and am on a modified payment with them based on income. I have no money to pay that bill before I die, as the IRS has first shot at their money. 

Why is the account showing paid in full on other reporting agencies and they are keeping it open on some. Again it was in bankruptcy, they had the chance to appear in Bankruptcy court and stake their claim ( XXXX ) they did not and so account was closed. Portfolio reopened the account and said it was then opened after the fact which is a lie.
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (IL)

I'm filing a complaint regarding a 3rd party collection agency, BLITT AND GAINES, P. C. In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine. 

XXXX XXXX {$1500.00}
Consumer complaint received 2019-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have had nothing with capital one, an I have never been near XXXX XXXX XXXX. I do not understand how this is on my report when i have not even applied for anything through capital one! XX/XX/2018
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (VA)

Mr. Cooper wrote me to move out of my house because they can not modify the loan modification I applied for in XX/XX/XXXX. They gave me many options to choose from which included Short Sale and I choose Short Sale. I hired a Real Estate Agent to contact Mr. Cooper to ask for approval for the Short Sale. Mr. Cooper approved the Short Sale and instructed my Real Estate Agent what to do. My Real Estate Agent did exactly what Mr. Cooper asked my Agent to do, including putting a Lock Box at the front door.. Then we gave Mr. Cooper an offer and it was rejected because Mr , Cooper said the offer was too small. In the letter Mr. Cooper wrote me, it said they will take any offer no matter how small. Also Mr Cooper asked me to move out of the house as soon as possible which I did. I moved out out of the house on XX/XX/XXXX. Before I  moved out of the house Mr. Cooper arranged with a firm to come to take the picture of the house. A representative from the firm came and took the picture of the inside of the house. On XX/XX/XXXX my Agent told me she got an email from somebody who said he has bought the house at the auction sale that was scheduled for XX/XX/XXXX and XX/XX/XXXX by Mr. Cooper Short Sale Department. Up till this time XX/XX/XXXX the house was in perfect conditions. I called Mr. Cooper Short Sale Department on XX/XX/XXXX to request for a relocation fee. I spoke to one Mr. XXXX of the department who told me that only my Real Estate Agent can do such a request, and not the home owner. I also told Mr XXXX that I have moved out of the house and M r. Cooper should speed up taken over the house. I also told Mr. XXXX that the house has been bought at the Auction Sale. He told me that he was not aware that someone has bought the house. On XX/XX/XXXX I got a call from the XXXX County Sheriff that he was at my house. The Sheriff told me the front door of the my house was opened when he got to the house and the house is badly damaged by water. He said that the sprinkler were on and the house was flooded and windows were damaged. My Agent has already arranged to call Mr. Cooper Short Sale Department on the XX/XX/XXXX to request for a relocation fee for me and then this happened. I smell a rat here. My suspicion is either Mr. Cooper has something to do with this or the the person who emailed my Agent that he has bought the house has something to do with it. This e-mail was unsolicited. I could be wrong. I have lived in this quiet affluent community for 12 years and this sort of thing has never happened all the 12 years I lived there. Also it happened just when I am handing over the house to Mr. Cooper. I don't know what is going on. I am confused. Please I need help.