davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I found the letter where it fell behind my desk and was surprised to see it was from an attorney. And that PORTFOLIO RECOVERY ASSOCIATES was who he was representing. But all it stated was the amount no other detail. It had been over 30 days so they wouldn't validate it and i didn't want i didn't want to risk restaring the timer on and statues of limitations. So I started looking for something that matched it i went and started looking through every old credit report i could find and never found anything that matched it. Could not find anything that matched the amount or the last 4 account number they gave. So i started researching portfolio recovery to try and find their contact info and seen a lot of the complaints against them. So i reread the letter and kept researching and realized that even though it stated authority for their client but all the way at the bottom never noticed before but it says this communications is from a debt collector .... ok so then XXXX XXXX XXXX owned but they were attorney 's so i looked them up and couldn't find them in Arkansas i searched the list of who i assumed were attorney 's and searched all attorney 's offices in XXXX XXXX. No luck so i did more research because something was wrong i didn't show their collections couldn't find anything matching it in my history. Now i wasn't sure who owned or who sent the letter. Couldn't find the attorney 's and given how they word it like they were attorney 's but state that they were debt collectors meaning they weren't attorney 's i don't think anyway I'm still confused on that part but i started reading all the attorney letter head and noticed where it said licensed in Missouri .... So the law office in Arkansas is licensed in Missouri? So they were attorney 's and not a debt collector? So started looking there but still no luck. But eventually i found my way here and hopefully some help. I'm not sure if they took legal action or not and still waiting for them to report to a credit report company. I have seen they have been ( they being portfolio recovery associates ) making soft inquiries but i just noticed the letter never actually says their client is portfolio recovery associates they are just referred to as re in the address area above my name. So i am not sure if it is portfolio recovery associates or XXXX XXXX XXXX or mystery client.
Consumer complaint received 2020-08-20
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: Resurgent Capital Services L.P. (MD)

I have a loan with LVNV FUNDING LLC, XXXX/XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING LLC, XXXX/XXXX, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-07-22
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my BANKRUPTCY ACCOUNT Chapter XXXX Bankruptcy Case Number : XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2020-08-20
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. (AZ)

This is my second complaint against Experian. I have asked them to correctly report my accounts, and make the corrections not to what I want, but to the letter of the law. What they did was nothing, they sent me a XXXX card in the mail with the FCRA on it, without their name even on it, I had to look up the return address. All I am asking is that they do what the law REQUIRES THEM TO DO. nothing more. If they reinvestigate an item ( XXXX XXXX XXXX ) for accuracy, then I need to be told what exactly they did during the reinvestigation. If they can not provide that, then the entry is removed. Pretty cut and dry. In response they told me they are not obligated to tell me anything. I have it in an email. They said that and they were not forwarding me the information. Period. That is against the law and they need to be held accountable. I will not let this go. In addition on my bankruptcy Items ( XXXX XXXXl ) They are reporting dates, balances, terms, etc. BY LAW they are to report paid in full and the discharged bankruptcy date. No balances, no terms nothing. They have been asked to correct 5 times, and 5 times they are refusing. They need to be fined and this handled. Since they can not report it correctly, then remove it. Period, I will carry this to the highest levels I promise. They expect us to follow policy, they need to. I insist that the CFPB directly deal with this repeat offender.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC (PA)

I've found several companies that they're violated f c r a consumer laws reporting inaccurate information as well as Some information there has been Furnished, without my consent. In written permission, this is the greatest form of identity. Theft, these items listed in my documents, which will be found in the attachment. Shall be deleted immediately from each and every File.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

I did a {$2500.00} transaction with my PayPal credit card in XX/XX/2021. I selected to send money to a merchant using my XXXX credit which has a 6 months no interest program added to it. PayPal credit charged me a fee of {$72.00} to send the funds to the merchant. PayPal credit also decided to change the code of the transaction to a cash advance ( which according to their employees I spoke today does not exist under PayPal credit ). They never disclosed any of this information to me until I contacted them today XX/XX/2021 when I noticed they removed the deferred interest and falsely coded my transaction so they could collect hundreds of dollars in interest without me being notified. The young lady I spoke to said she submitted a request for the code to be changed to the 6 months deferred interest but that could take 2 to 3 billing cycles which means PayPal would be collecting interest monthly until they decide to change the code to what it should have been originally. PayPal credit is not transparent and they are collecting interest fees from consumers by using duplicitous practices. Please I would like PayPal to stop cheating the consumers and I need them to apply the correct code to this transaction immediately and not charged me any additional interest until after the 6 months period which is what I agreed to with them. It is unfair to change the rules after the consumer has already been charged and it is deceptive to not notify the consumer of changes done to terms of a promotion they were promised.
Consumer complaint received 2020-10-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

I have been in the short sale process for ALMOST 16 MONTHS now. The property is located XXXX XXXX XXXX XXXX, XXXX XXXX Connecticut XXXX. 
Mr. Cooper is a shittiest company. It's HORRIBLE customer service, I have a buyer who is able to meet their the value of the home. A buyer made a full offer and Mr. Cooper has not been looking at my short sale package and let my file sitting there for over 4 months. It's horrible to get Mr. Cooper response and issue an approval short sale. I already lost one buyer due to their nonresponse. Mr. Cooper has been really hard to deal with short sale/forclousure. Mr. Coooper executives, management and shareholders shoule be fired? sitting in the office get paid check and doing nothing but check email 1 a week. Even if they check email they still didn't response. Department justice should step in and get them pay for the price. No one should have mortgage with Mr. Cooper.
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

This complaint is in reference to IC SYSTEM Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.
Consumer complaint received 2024-12-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ARVEST BANK GROUP, INC. (AR)

I have 2 credit applications at Arvest bank XX/XX/year> and one more credit application as of XX/XX/year>. 

One is a line of credit for {$20000.00} Second is a credit card for {$5000.00} Third is a loan for {$100000.00} XX/XX/year> I requested full disclosure of the records ( FOIA ) showing the recording of my application via Federal Reserve Form FR 2046. 

They denied disclosing me such information, adversely claiming that it is only information to be used between banks. That statement was unequitable regarding my interest and already establised instructions for my account and products proceeding on the matter. Arvest is on the course of breach of contract and several other depravation of rights. 

The record must show that the applications were exchanged for valuable consideration for the 3 credit products I currently have with Arvest Bank. On the pulaski clerk of courts record 's I expressly waive no rights and the applications are not a gift but were in fact exchanged for value.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am compelled to address a persistent issue regarding inaccurate information on my credit report. Despite submitting multiple disputes, complete with clear documentation, your agency has not corrected or removed the erroneous information. 

As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are responsible for ensuring XXXX % accuracy in reported information. By failing to act on these inaccuracies, you are in violation of this requirement. I insist that you take immediate corrective action to investigate and ensure my credit report accurately reflects verified information only.
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OPEN MORTGAGE LLC (OK)

Started to buy a house in XX/XX/2021 I was leasing home when owner offered it to me to buy it. Well I said yes I wanted to. Went to XXXX XXXX to get my loan. I got stuff turned in they kept saying I needed this or that. Well it took to long to get the loan so owner backed out. They allow him to and give him everything back. I had to move and so they ask me to look for another house I did found one and now Im going through the same thing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was suppose to close on XXXX of XXXX then again on XX/XX/XXXX again. I told them my loan hasnt even gone through yet I cant wait any longer to buy. So now they are asking me to pay fees for the house I lost because of them and then fees now just random gear say stuff. Some things yes I agree to. The 2nd house they did nothing Ive only done application part but of course they are trying to XXXX me over even more. I need some help with this these people have ruined my life and my buying experience for a home. Thanks I can get more info if needed .... Company is XXXX XXXX XXXX. XXXX ok & open mortgage XXXX, tx
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/2021 my account was locked because of my XXXX deposit and has been locked ever since. I sent in documents XX/XX/XXXX and then was told my bank account was closed because of it and they were sending the money back to the SBA which is impossible because the money is still locked in the account!
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Submit various disputes thru their system, the amount remain the same, even some have more than one status displayed. Ask various representative to explained why they said I have delinquent account when accounts are either closed of in good standing. 

Experian is punishing americans based on the history of the account no in the current status of the account, the credit score should be based and always been on how the account is standing at the day of the report been requested, Experian is dropping on average 100 points is in your history you had an account on a past due even if the account is in good standing, that drop will remain in the score for the next seven years making lenders to be misinformed as they were looking on the numbers, they dont believe that the account are in good standing when a customer will report to them rising interest or not approving credit, or make you look for a cosigner, even having the other 2 showing the account in good standing. 

My claim here is to seek help as this practice should not continue, history of the account shall remain, but credit bureaus shall show how the credit score is at the day, if at the time the credit was pulled and the account is in fact late or the new information hasnt received yet, good, but is the account is in good standing payment are update or account is closed even after been late for whatever agreement was done with the lender and client, credit bureau like Experian should take punishment in their hands. 

Make them fix the calculation to what is today, lenders will review history and add accordingly, but bureaus shouldnt drop point drastically based on the history instead of the current status. 

I have as per them 5 account in deficient, 4 of them has been closed for almost a year and 1 is in good standing and a wrong interpreted by the lender as this one is an education institution as a I am not out of school they shouldnt start charging me the deb.
Consumer complaint received 2022-09-20
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (TX)

The company NCB MANAGEMENT SERVICE has been harassing me with letters, phone calls, etc. with numbers that are from my area code to get me to answer. Each time it has been worse and worse with the debt collectors being rude and demanding to setup payment plans. 

On top of this their collection agency is not eligible to be collecting in my state! They dont even hold a license to debt collect in Texas and are illegally collecting debt as well. They have been reporting my debt to the credit bureaus as well. I have just recently been updated that they are reporting false information to my credit history and continue to report falsely via XXXX. 

Not only are they reporting as collection but DOUBLE reporting so it shows on my credit as debt I am not associated with or had a connection with.
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My home is set for foreclosure on XX/XX/2020. The foreclosing Servicer is Select Portfolio Servicing. I had sent them a Qualified Written Request disputing some information concerning the loan as well as the foreclosure process as well as some further information on the payoff amount I requested. It seems that some previous forbearance and modification payments had been put in holding accounts and not processed towards the the Principle and interest ion the loan. 
In a response letter to me they requested that i deal only with the foreclosing Lawyer, XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX he informed me that they have nothing to do with the requests made and that they have no ability to address them. They only deal strictly with the foreclosure process. They informed me that only Select Portfolio would have to address these issues and they have not. 
So now I am stuck between a Servicer who won't answer my questions and refers me to the lawyer, and a lawyer who says it's not his job to answer questions about the loan, leaving without anybody to get answers from. 
My requests to Select Portfolio were for mediation to be held on this loan so that we may be able to meet face to face and possibly come up with a solution the issue. 
Are quest for proof that the foreclosure sale was posted in a timely manor to the XXXX county ga. legal sections. 
As well as a dispute as to why a modification was denied. 

Attached is the letter i got in response to my requests referring me directly to the foreclosing lawyer instead of answering my direct requests. 

I request that the XX/XX/2020 foreclosure date be postponed until this is settled.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.