davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ), Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another whoallegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partialportfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have notreceived any documentation from any of the above companies and I request again that proof of Claim and verification.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (TX)

Cant redeem the rewards cash into my bank account. 
But the same account is there to make the payment When I called discover at around XXXX XXXX to XXXX XXXX central timeafter a wait of 13+ minutes XXXX told me that I need to first make a minimum payment from that bank account to this credit card then only I will be able to redeem to this bank account. 
I told her that this card is at least 5+ yrs old and I am using the same bank account for around XXXX years so whats the problem all of a sudden? 

Have you sent any communication or card member agreement or FYI to the customer regarding this issue? 
Her answer customer will call us in case of any issue This is ridiculous. 
This discover was providing chat in the past new messaging system is ridiculous. 
They have taken away secure message center also Day by day Discovers standards are going down. 

And more over I have two credit cards with discover I have always used the same bank account with the other card which was more active. 
XXXX told me that we can do it over the phonewhen I wanted to do it over the phoneshe said I need to first pay the minimum balance first in order to redeem it. 

During this pandemic - this credit card company is treating the customer so badly. 
For this - this discover is getting XXXX XXXX customer satisfaction rewards or they are just bribing them to get this reward.
Consumer complaint received 2021-10-02
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: Verisk Analytics Inc (NV)

I sent a dispute letter to LCI Consumer Center under FCRA 611 ( a ) requesting verification for a Bankruptcy XXXX reported to credit bureaus, on XX/XX/2021, and on XX/XX/2021, and I havent received any response as of today XX/XX/2021. 
I am distressed that you are providing information regarding the questioned item, verified as accurate with thirty party credit bureaus ( XXXX, XXXX, and XXXX ) without completing an appropriate investigation and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate and complete credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
In the letter I sent to LCI Consumer Center on XX/XX/2021, I requested the following information : -Complete list of all documents and correspondence regarding the questioned item. 
-All names and contact information of employees that you spoke to as part of the investigation with date and time, so it can be used to find recording calls records if is needed by the court or general attorney. 
-Documents and explanation of how Lundquist Consulting , Inc received the public record information with complete information about me including, but no limited to, my complete social security number. 
Please be aware that I been disputing the public record with credit bureaus XXXX, XXXX, and XXXX several times and per credit bureaus and their correspondence to me the public record information has been verified by Lundquist Consulting Inc, I called the US Bankruptcy Court ( District of Nevada ) each time, after the questioned item have been verified as accurate per ICI and they have informed me that they dont verify or report information with anyone and they havent receive any call regarding a verification of the questioned information.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NE)

Timeline:XXXXXXXX  We receive a statement from Specialized Loan Serving requesting an additional {$630.00} for our escrow account. Investigating why this amount is so much we looked at our insurance and taxes which both went up.Increase in insurance = {$270.00} Increase in taxes = {$170.00} {$270.00} + {$170.00} = {$440.00} We agree with the loan serving company that these amounts have increased.However, {$630.00} - {$440.00} = {$180.00}. 
When we asked why and where the additional {$180.00} is coming from, we get no answers, other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Currently our escrow account on our XX/XX/XXXX statement posts that our escrow balance is {$1100.00}. When we ask why do you need more of our money in our escrow account when the current balance is {$1100.00}, allow get is : that is what our records show and our escrow account needs {$870.00} at all times. 
In addition, our statement from XX/XX/XXXX states that the loan service did not make any payments to our escrow account for the months of XXXX - XXXX, XXXX, XXXX, XXXX or XXXX. When we ask why they were negligent in placing money into escrow for those months, we get no answers other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Specialized Loan Serving contacts from XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX XXXX asked for new documentation, never received it XX/XX/XXXX XXXX asked for new documentation, never received it XX/XX/XXXX XXXX for new documentation, got an email, same information with no changes XX/XX/XXXX XXXX XX/XX/XXXX XXXX The response from all these contacts is the same : we get no answers other than : that is what our records show and our escrow account needs {$870.00} at all times. 
Note on XX/XX/XXXX when we asked to talk to the next supervisor, XXXX refused to transfer us to any other supervisors or representatives. 
We would like to know why the Loan serving company wants more escrow money? 
We would like to know where the additional {$180.00} is coming from on their end?
Consumer complaint received 2021-05-29
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. (NJ)

Equifax, failed to delete XXXX XXXX XXXX  account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and Equifax is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.
Consumer complaint received 2022-10-10
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. (NE)

XXXX Credit card is double reporting an account on my Experian credit report I have filed many disputes including supporting documentation and it still comes back as account valid I know the account is valid I am disputing that it is being reported incorrectly twice I have had Experian agents file complaints agreeing yes it is duplicate reported and nothing happens I have contacted XXXX credit card company and they have sent a letter to Experian over two months ago to delete the duplicate account and it is still on my report
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$73.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

-- XXXX XXXX 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-08-12
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)

Hello, I have sent in the requested information and the item is still appearing. Why is it not removed? I have sent in everything that was required from me.
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (CO)

I took out the {$200.00} loan a few months ago. I mailed by last payment of {$260.00} priority mail on XXXX XXXX it was received into their post office box XXXX XXXX. I had a tracker. They say they cant find it and to wait 14 days. It has been 14 days abd no one will help to find my payment. I have a copy of my money order and priority mail receipt. Please please help me
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (NV)

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE 1099C AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX  XXXX, XXXX XXXX XXXX, In ( Revolving  ) Accounts - negative accounts - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 5 % 5 % 5 %
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

I made an agreement with a breeder over XXXX to purchase a kitten I sent the " breeder '' {$600.00} through Zelle  and XXXX. They demanded {$420.00} more on order to " ship '' the kitten from XXXX, Oregon. I asked to see flight information and photos of the kitten at the delivery company, they sent me photos of an XXXX police station at night. After going back and forth for hours, the lady asked if I would speak to her husband. I did yes, please. I informed the husband I would actually prefer to pick the kitten up in person, I live in WA state, a drivable distance. The husband agreed this was a decent option and said he would call me the following day. The next day I waited until XXXX XXXX, and began to call ... No answer, I was blocked from calling and social media.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

I transferred some money from XXXX to XXXX for my son who is visiting the country. When he went to the Western Union office to pick up the cash, he was told he can only get it from a XXXX Bank Account. He does not have a XXXX Bank Account and can not get one with a XXXX XXXX. 

I have asked for a refund two weeks running and have had no response. 

I have copies of Western Unions transfer process which advertises cash pickup and would not have used them otherwise.
Consumer complaint received 2020-12-18
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. (CA)

In Mid XX/XX/XXXX, I tried to apply for car loan and was denied credit due to an item that was negatively reporting on my credit report. I pulled my credit report with XXXX and discovered that XXXX XXXX XXXX XXXX ( XXXX-XXXX ) was reporting inaccurate information on my credit report. On XX/XX/XXXX, I sent a letter to Experian, XXXX and XXXX to correct/delete the inaccurate information being reported on my credit report. The big obvious items being reported was DATE LAST ACTIVE : XXXX XXXX Experian- XX/XX/XXXX XXXX XX/XX/XXXX clearly my account has been re-aged and dates across all credit agencies were different ( Ref.A ). On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that stated " We have reviewed the history and activity and believe your account has been reported accurately and completely to the credit bureaus. '' ( Ref. B ). I received letter from XXXX  on XX/XX/XXXX stating that my account has been " verified as accurate, however, we updated : Past due ; Payment received. '' ( Ref.F ) If this was verified as accurate why did XXXX need to update? Experian results recieved on XX/XX/XXXX claiming they have updated the information. ( Ref.E ) I recently pulled my credit report from XXXX ( Ref.C ) on XX/XX/XXXX and discovered more inaccuracies 1 ) DATE OPENED : XXXX-XX/XX/XXXX Experian/XXXX-XX/XX/XXXX 2 ) HIGH CREDIT : XXXX- {$2900.00} Experian- {$0.00} XXXX- {$3000.00} 3 ) CREDIT LIMIT : XXXX- {$3000.00} Experian- {$3000.00} XXXX- {$0.00} 4 ) LAST REPORTED : XXXXXX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX If XXXX XXXX/ XXXX-XXXX investigated and believed this was accurate, XXXX  & Experian last update was in XXXX. 5 ) DATE LAST ACTIVE : XXXX-XX/XX/XXXX Experian-XX/XX/XXXX XXXX-XX/XX/XXXX 6 ) DATE of LAST PAYMENT : XXXX/ Experian:XX/XX/XXXX XXXX- XX/XX/XXXX As an XXXXonsumer, I made all the valid reasons to request a fair investigation. It seems XXXX XXXX XXXX XXXX/XXXX-XXXX and the all the credit bureaus failed to perform their due diligence to report accurate, verifiable and complete information. This account resulted in headaches and stress and the inability to get approved for a car loan.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a used vehicle in XXXX finance with Capitol One Auto. I received a letter from them stating I owed {$1300.00} in late fees and interest, in addition to a deferment in XX/XX/XXXX. I had one deferment in XXXX and never did another. I called on XX/XX/XXXX, spoke with " XXXX '' who initially stated I had no late payments and when I informed him that I made a payment and could verify in my bank statement. I asked to speak to a supervisor and was told " XXXX '' was on another call. XXXX transferred me to a " Resolution Specialist '' who spoke with broken English and could not answer my questions regarding proof of late payments. Instead stated " XXXX '' late payments which is totally false. I asked to speak to someone who spoke English coherently, like their immediate supervisor and was today was holiday and no one else was there. Really. The rep disconnected that call when I told them I didn't appreciate being lied to.
Consumer complaint received 2021-05-31
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: Peter Roberts & Associates, Inc. (MA)

Peter Roberts & Associates has placed a fraudulent account on my credit reports.

XXXX  2021 I sent PRA a 93A Demand Notice informing them of : 1 ) their illegal reporting under their own name in violation of MA General Laws 209 CMR 18.17 : Unfair Practices ( 11 ) and 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices ( 15 ) and ( 21 ).

2 ) Requesting validation of debt as I had no knowledge of this account 3 ) Requesting proof of ownership of the account as I have never heard of this company before PRA Failed to reply to my 93A Demand within the mandatory 30 day period. 

I sent a second 93A Demand notice XX/XX/2021 informing them of their multiple state and federal violations including attempt to collect upon a debt not validated, failure to inform me of my rights as a Massachusetts Consumer and failure to inform me of the debt in general before placing it on my credit report. 

PRA replied XX/XX/2021 with a three sentence statement claiming the alleged debt was " valid ''. They failed to provide any proof of their claim, they failed to provide proof of ownership of the account. They removed the account from my XXXX  and XXXX  reports however they continued in their reporting to XXXX  and continued to attempt to collect upon the account. 

XX/XX/2021 I sent a 3rd and final 93A Demand Notice cc'ing the Attorney General 's Office of their federal and state violations. PRA replied to this notice with a refusal to investigate or provide any validation. 

To date : no validation of the alleged account has been provided, PRA continues to report under their own name on the credit bureaus, they have continued to attempt to collect upon a fraudulent account and they have refused to investigate further.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, XXXX XXXX is reporting on their website a {$12000.00} collection from my Transunion Report but I do not have a collection account of any kind. The student loan and credit card amounts are correct, but XXXX XXXX is publishing inaccurate information about a {$12000.00} collection. Please fix these issue quickly. 

I have attached a PDF copy and highlighted the error. 

Thank you.
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

It has been almost 7 months since this happend to me and my business. I received a XXXX grant In XX/XX/2020, this year. The funds were in my account untouched for two months. There was no freeze or any kind of action against my account, at Navy Federal Credit Union. I went into the branch to make a withdrawal with proper identification, and I was treated the worst possible way, the staff and managers, not only embarassed me, but singled me out and had the fraud dept freeze my account. I then called the fraud dept of the bank, from the bank with the Small Business Association on the phone line as well, for a conference call. The purpose of that was to let the sudden flag for fraud alert that the teller/manager put on my account removed. After speaking with the fraud department in the conference call, they allowed me to make the withdrawal and removed the fraud block. At this time im almost 5 hrs into being at the branch on XXXX XXXX in XXXX sc. I handed phone back to the office manager to be certain the fraud specialist cleared up the issue. I then went back in line, waited about 30 minutes, I had in hand, my 2 forms of state issued IDs and filled out withdrawal slip. Then to my amazement, the teller is refusing again to let me make the withdrawal. I ask for the manager that was sitting with me during conference call. She came up and said they now need to verify my military background. Im just looking at these people wondering why they are completely against me making a withdrawal. I explained to them my account has been open around 6 months. Now suddenly uour questioning my military background. I almost called the police on these people workng at the bank. Im now in this bank for 7 hrs and 30 min. Not to mention, the hour drive to the bank. The manager at the bank confirmed my military status and again, i go to teller counter to make withdrawal and the lady tells me again to call the fraud department again to remove the flag the manager placed on account questioning my military background. Its now XXXX  and bank is closed. They refuse to let me make the withdrawal, I was very insulted, embarrased, and completly was singled out. The teller commented that I am the only white person that had been thru the bank all day. She just laughed and laughed with her other co workers. I asked what was that comment for. They just laughed. I left bank and returned the next day at XXXX. The lead teller told me I dont have funds available in my account. The sba can not redeposit my {$10000.00}. I have contacted Navy Federal Crefit union repeatedly. They wont return any calls or letter I sent in. They are responsible for my loss, and need to be held accountable.