davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Note : Portfolio Recovery Associates was sued in a class action lawsuit in XXXX and again in XXXX for violations of FDCPA by which they lack sufficient evidence to properly obtain default judgments- ( see. Portfolio Recover Associates, LLC et al. Consumer Action ( XXXX  ) and XXXX. ) Portfolio Recovery Associates , LLC ( " PRA '' ) has violated my Consumer Rights and my rights to privacy in which they have furnished the credit bureaus with inaccurate, incomplete, and unverified information. ( see attachedments ) I have requested several times for PRA to provide me with sufficient admissible evidence of the debt 's existence. This was to include any and all information with original Creditor showing where PRA purchased the debt, wet signature documentation, accuracy of debt, ect. PRA has only responded with Portfolio Recovery Associates , LLC ( " PRA '' ) has violated my Consumer Rights and my rights to Privacy. They have cause great harm character voiding ability to obtain credit. 

I'm also requesting that of PRA, XXXX, XXXX, and XXXX to uphold their obligation under the FCRA to properly and fully investigate the accuracy of this account credit file and to immediately delete account without prejudice.
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 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 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

I did a Settlement in the amount of {$280.00} with Convergent Outsourcing Inc. account number XXXX on a XXXX XXXX account number XXXX on XX/XX/2020. The agent documented the account notes of the Settlement because every agent Ive spoken with requesting the Settlement In Full letter has specified it. XXXX XXXX negotiated the settlement and took my payment. Since this time Ive spoken with XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was advised the account would be dated to reflect Settlement In Full / Closed as of XX/XX/XXXX and I would be able to access this letter online. As of today the account is still reflecting derogatory on my credit as a Collections Account with a remaining balance. 

I spoke with XXXX previously and notified them this account wasnt my account, however Im in the process of trying to purchase a home and was advised I cant have any open collection accounts on my credit. Therefore I reached out to the agency to Settle the account to move the process along.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : PLAZA SERVIC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear PLAZA SERVIC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I asked them to provide me the contract with my signature and no response. I have no obligation to pay them. They are in violation of several laws including 15 usc 1692a, b, c, and e of the United States Codes. I demand cease and desist from any and all debt XXXX.
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (IL)

I defaulted on my loan in XXXX. The vehicle was repossessed in XXXX. The balance left on the loan is incredibly high. Also, there is a settlement that Santander has to pay out for people that defaulted on loans before XXXX due to predatory lending practices used by Santander. 

I was told that I did not qualify for the loan settlement. I would like proof of exactly why my defaulted loan does not qualify for the settlement. I paid nearly {$500.00} a month for my loan and it was a very challenging monthly note to pay. 

Also there showing I owe one balance of {$13000.00} on their company website but also reporting I owe a balance of {$18000.00} to the credit reporting agencies, which is thousands of dollars higher ( I attached screenshots ) When I asked exactly why my loan did not qualify for the settlement, the Santander representative could not give me an answer. they simply told me to check the secretary of states website for the state that I live in. 

I would like the balance on my vehicle reviewed and also an answer as to exactly why I don't qualify to participate in the settlement against Santander. Thank you
Consumer complaint received 2020-07-01
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)

INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-12-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Debt not owed. No longer utilized XXXX XXXX insurance. Policy was canceled and ended upon me switching companies. AWA Collections with XXXX XXXX XXXX are trying to collect a debt not owed for a month their services were not in use.
Consumer complaint received 2022-12-03
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: ALEXANDER-ROSE ASSOC, INC. (LA)

In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-03-27
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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
Consumer complaint received 2023-04-03
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: JPMORGAN CHASE & CO. (MA)

I purchase an aircraft part on XX/XX/2023, from a now proven fraudulent website that has since closed down using my Visa credit card. Because the merchant only accepted payment via XXXX for the merchandise, with a Link they provided, I used my credit card to make that payment of {$2000.00} for the aviation parts through the merchants XXXX link he provided. I have a detailed receipt/invoice from this merchant for the goods I purchased. The Seller 's website was closed down due to being fraudulent and my credit card company will not dispute the charge. They claim because XXXX was used by the merchant, they can not dispute that charge. However, on the XXXX website, it says if you have a dispute feel free to contact your credit card company and do a chargeback. 

So now neither XXXX or my credit card company will dispute the charge of {$2000.00}. I was also charged a transaction fee of {$60.00}. 

XXXX does show my transaction as a purchase of goods. 

I just reported this merchant to the police and the FBI. The police report will be available in a few days.
Consumer complaint received 2020-07-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Transunion bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. The Bureau responded that " Consumer 's dispute not specified, Consumer Information verified. '' Providing legal documentation, federal law title, code and subsection is " Not Specific ''? Along with the federally recognized cancelation document is " Not Specific ''? instead the company 'updated ' information which caused my credit score to decrease, this is illegal. Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MI)

I was able to open a checking account with Truist Bank. The account was immediately locked and flagged for " fraud ''. After speaking to a representative on the phone, I was told that I would not be able to close the account over the phone and would need to drive 400 miles to the nearest branch to close it. 

Account opened : XXXX XXXX deposited : {$50.00}
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XX/XX/XXXX I contact consumer directly for validation of account that I dont owe and never had any contractual obligation to pay them. They are currently being reported with inaccurate date of last activity in accurate date of last updated late pay after account was closed charge off on XXXX is listed as open also they have created duplicate accounts types. 
I asked them to provide me a copy of any viable evidence bearing my signature showing the account is being reported accurately. They provided me a print out statement. Which a printout of a bill or itemized document does not constitute verification. I would like these account deleted from all 3 credit bureau.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (IN)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 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 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Hello, Multiple attempts have been made to resolve an issue regarding the escrow on the account and the forced insurance that would be placed resulting in an adjustment ( more money monthly ) in the payment. Since XX/XX/2020, documents regarding insurance information was faxed by myself, the homeowners association and the insurance provider. 

A letter was received from Shellpoint stating the issue was resolved as of XX/XX/2020. Fast forward to XX/XX/2020, the insurance placed on the escrow account was added resulting in an additional {$37.00} per month. Calls to Shellpoint seem to go unresolved with the latest XX/XX/2020 with a XXXX XXXX, XX/XX/2020 a XXXX and the last one with a XXXX XXXX XX/XX/2020. All customer representatives have apologized and have given various responses to why things have not resolved all conflicting the last representatives information. The last call I was informed things did not escalate however a payment can be made over the phone and Shellpoint could manually place the previous payment back on the account. If more information needed/required, please advise. 

Thanks, XXXX XXXX
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CO)

I made a withdrawal at one of US Bank 's ATMs located at XXXX XXXX XXXX XXXX. in XXXX, in the amount of {$300.00}. My daily limit is {$300.00}, yet the bank has charged me for TWO {$300.00} withdrawals and has not corrected it. I spoke with XXXX at their XXXX customer service number at XXXX XXXX on XX/XX/2020 and he assured me that the bank would correct this error by morning. It has not and the charges are no longer PENDING, but POSTED. Please step in and make them credit the {$300.00} I did not take out of my account. Again, my daily LIMIT is {$300.00}, so it's an IMPOSSIBILITY that I could take {$600.00} ( {$300.00} x 2 ) from my account. XXXX said that the " ATMs are getting hard use, '' but that doesn't solve my problem. Please help me get my money back soon. I have bills to pay. Thank you!!!
Consumer complaint received 2020-07-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In early XXXX we received a pre approval for a VA mortgage through USAA Federal Bank ( Loan Application XXXX ). We are attempting to buy a home in XXXX XXXX  as my wife received an employment offer in the immediate area. We moved to a rental in XXXX while the loan was in process for a home that we had placed under contract. We received pre approval and began the application process during the entire month of XXXX. On XX/XX/XXXX. We were informed that our loan application was denied because we had placed our present home into forbearance when we were employed in XXXX   and there was concern over our continued employment hours. During the loan application process we were asked to bring our existing home mortgage current which we have done. USAA stated that they required that all existing mortgages demonstrate 12 consecutive months of mortgage payments. It is our understanding that the federal forbearance mandate precluded any negative credit issues in regard to our credit rating. Our credit does not reflect any negative issues in regard to the mortgage or any other negative credit issues. We feel that the USAA Federal Bank has violated the federal mandate in regard to our VA loan application as they did not accept temporary forbearance in determining our loan. In addition the home is under contract and will close in late XXXX. USAA one day later after notifying us of the denial to continue a {$500.00} dollar appraisal which we had paid as required by USAA. We are now out the {$500.00} appraisal fee. We have contacted several individuals in the mortgage department and have only received confirmation that the loan application was denied due to federally granted forbearance. We would appreciate someone to determine the appropriateness of the denial and the loss of {$500.00}. Thank you for your assistance in this matter.
Consumer complaint received 2020-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been in contact with XXXX and Capital one, as our account with XXXX was closed/terminated by the company, and Capital One is refusing in assisting in the collection of funds paid for a voucher, which I was unable to use or access. 

Furthermore, two Items returned inside one box with XXXX, and XXXX agreed to refund for both items, and have issued credits " bucks '' ( as shown in pdf attached with title " 2 '' attached ) - however that day the account with XXXX was closed by XXXX, and I have not been able to access such funds. On an email from XXXX and attached titled " 5 '' it states that the Terms were violated, as a reason for the closure, however, I never clarified exactly what specifically was this, and over the phone, XXXX assure me that are refunds were issued to Capital One. 

Capital One just provided one item refund, finally one transaction with XXXX was not authorized and no refunded by Capital one. 

Last communication with capital one " Case : XXXX XXXX XXXX XXXX. I have provided the same information several times, regarding the dispute with XXXX for original order : Order Details The order number for your purchase on XX/XX/2020, is XXXX. Description : XXXX XXXX XXXX XXXX : Front or Rear Brake Pad Replacement for Car Redeem with : XXXX XXXX XXXX  1 {$120.00} Subtotal : {$120.00} Discount : - {$25.00} Total : {$100.00} - Because the Location was closed and not accepting voucher from XXXX, XXXX gave me the opportunity to use the amount here in a voucher in 24h for any other deal, however, at that time, the account with XXXX was closed, which did not allow me to use it in any way. 

I believe this was caused due to the return of two items from a previous order, which I included in the same package, instead of mailing two different packages. This was a mistake on my part because I only received a refund for 1 XXXX  instead of 2 ( Case # XXXX XXXX XXXX XXXX ). 

I have taken a picture of the note and tracking number which I included in the package return to XXXX. I was told that two items were received by XXXX on chat with customer service, as they were able to confirm in the warehouse, by weight, etc, nonetheless, I only received a refund for one item apparently until now. 
Case XXXX XXXX XXXX XXXX XXXX XXXX This charge of XXXX from XXXX also, I was just told by a Capital one agent that reminded me and did not see the credit on the account. I am unaware of this transaction and requested credit as well. 
Please contact me if you require any further clarification. I was never contacted by Capital one and it is very frustrating. '' Finally, I also had XXXX and XXXX credits issued, but not accessible for same reasons as described previously.
Consumer complaint received 2020-07-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Turner Acceptance Corp. (AZ)

XX/XX/2017 a loan was opened in my name. I received no money, goods, or services as a result of This identity theft. The account mention was the total of {$4700.00} dollars that so have no clue of where it came from. This account has caused hardship and ruined my credit.