davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Receivables Performance Management, LLC (OH)

XX/XX/XXXX XXXX unknown ( private number ) V.m left stating her name is XXXX XXXX an a case has been presented to her for my location and gives me a case number, then preseeds to say my legal right has been forfeited an she will contact previous employers/addresses. Numer to call back was XXXX ) XXXX. 

Called again XX/XX/2020 and left same message. 

XXXX XXXX letter coming in mail from undeliverable address only -XXXX , MI ( which is RPM LLC )
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been in dispute with capitol one credit card for the last year. I have requested a summery of my payments from XXXX XXXX XXXXXXXX XXXX XXXXThey will not send me the summery.I made two payments in XXXX XXXX, one on XXXX, also one on XXXX. They have now sold my account to a third party, XXXX XXXX XXXX for collection. I have submitted to Capitol One a letter from my bank confirming that I did indeed make two payments in XXXX XXXX and they continue to ignore me.In fact I have made over payments and should have a credit of {$150.00} They have offered me no customer service. I have paid them {$330.00} on XXXX, {$320.00} on XXXX and also a {$70.00} payment on XXXX XXXX, XXXX. That is a total of {$730.00}. They claim I still owe them {$400.00}.
Consumer complaint received 2022-09-20
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. (GA)

I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB. 

Transunion who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts listed below be removed immediately. 

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Transunion written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX reporting 5 late payments and closed simultaneously ) XXXX XXXX ( reporting late payments and never receiving payment ). This account was paid through Bankruptcy Court in 2015 ( rqst no delay in deletion )
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXXXXXX XXXX and have a form of XXXX XXXXXXXX by which i take XXXXXXXX XXXX During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.
Consumer complaint received 2020-05-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Markoff Law LLC (IL)

My complaint is about Markoff Law located in XXXX, XXXX 
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX  XXXX XXXX. I called them and they said to call Markoff Law at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX XXXXXXXX nor this Markoff Law. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.
Consumer complaint received 2020-05-08
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: FORD MOTOR CREDIT CO. (WA)

Ford Motor Company reported 30 months of late payments. I owed {$1700.00} left on a vehicle costing {$27000.00}. My car payments were {$350.00} The car was a charge off but they continue to add late payments every month even though the account is closed. I have Repeating disputed this issue. The credit companies claim they investigate it. The information isnt correct, I tried Initially to have them repurchase the car under lemon law. They wouldnt allow me to although the vehicle has had several class action suits the latest being the air bag failure. Ford fights every case hoping the consumer will lose interest. I am Hopeful I can receive help here.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MI)

There were 2 charges made on my credit card. One occurred on XX/XX/2020 and the other XX/XX/2020. The respective amounts being {$1400.00} and {$1000.00}. Once I reviewed my XXXX Statement I immediately notified chase bank on XX/XX/2020 ; well within the 60 day time period. I also contacted the company " XXXX '' but was unable to reach a live person at the phone number provided. I have never provided this company any documentation or authorization to make a purchase. I still do not know what was purchased. My first dispute filed with Chase resulted in a decision that the charges were valid. They offered up no information other than the reporting of the unauthorized charges should have been made quicker? I never lost my credit card so I had no urgency to close my account. It was only after review of my statement that I noticed the charges and reported them immediately. I asked for further review of these charges and Chase again is holding them valid and as of today has provided little in terms of supporting documentation that these are valid charges. It appears that XXXX XXXX is a KYC mandated company and I never provided anything to them so I am shocked at Chase 's decision. All activity was done online as well and I was the victim of a keylogger trojan virus that I found out about after at a later date. In closing I have been with Chase a long time. I pay my bills on time and have had little issues in the past. This is a surprise to me and at least I want to see the supporting documentation that Chase has in this matter. I remain wholly unsatisfied with the decision. Best Regards. XXXX XXXX
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MN)

XXXX XXXX XXXX is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX for an XXXX  account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month. 

1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to Midland credit stating the don't have that authority. 

2. When i called midland credit asking for the same thing, they sent me back to XXXX XXXX XXXX stating the account is no longer in their hands. 

3. I submitted an offer to XXXX XXXX XXXX on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from XXXX XXXX XXXX stating i have two weeks to respond before they start a discovery and file in court. 

5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau. 

I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between Midland Credit & XXXX XXXX . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (OK)

On XX/XX/2020 I added {$50.00} from an external debit card from a JOINT account that my partner and I share. A few minutes went by and I tried to log in to see what that brought the available balance to and I could not log in. I called in and was sent to account protection services and told that my account was being closed for violating section 15D of the member agreement. The rep advised me that the remaining funds on the card would be mailed to me within 7-10 business days. The following is the exact verbiage used in section 15 ( d ) of their agreement : " We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account ( including your Reserve ), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law, including in the event we believe there has been a breach in security or there has been unauthorized activity involving your Account or you have engaged in activity that is fraudulent or inappropriate ( e.g., manufacture activity that is inconsistent with the intended use of the Account ) or violates the terms of this User Agreement. *******We will only close your Account if there are no funds remaining in your Account ( including your Reserve ) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining*******, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service. '' There are funds remaining and I did not request that it be closed. So they are the ones in fact in violatioin of the Agreement, not I. I have called three different reps back and none of them can give an answer other than " ummmm '' and refer me to write in. Thats not acceptable.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Hello, im reaching out to you because my mortgage company is taking advantage of my financial situation. 
As of XX/XX/2020 i called my mortgage company asking for help due to COVID-19 Shellpoint Mortgage told me that they will help me and not to worry about any charges for paying late. 

i used my savings to continue making my mortgage payments and never missed any payments. Now i found out that Shellpoint Mortgage is charging me for appraisal fees, covid-19 fees plus late fees. 

I called them to speak to a manager about this and never got a response. Now Shellpoint Mortgage is reporting that im behind on mortgage payments when i was never late. 

it is not fair for shellpoint mortgage to take advantage of our financial situation when we never missed any payments and now they are trying to charge for appraisal fees, covid-19 fees plus late fees. 

This is not fair for anyone that was affected due to covid-19. please all im asking is to help me stop Shellpoint Mortgage take advantage of homeowners that are suffering. 

XXXX XXXX
Consumer complaint received 2020-05-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

on XXXX I made a mtg pmt of XXXX it was my payment plus my escrow shortage amount of XXXX. This was applied to my account incorrectly they posted the whole XXXX to my escrow account which didn't make my XXXX pmt. I sent an email that was never answered before XX/XX/XXXX through the mortgage companies email system. It stated I needed to wait 5 days for a review so I did. On XX/XX/XXXX I called and waited over an hour to speak with a supervisor named XXXX ( a female no last name no ID # was given to me. ) I explained the scenario to her and she assured me it would be fixed and not to worry. I was also concerned at this point I would be late for XXXX and wanted to make my XXXX normal payment she took it over the phone. On XX/XX/XXXX the payment I made for XXXX was applied to my account but did NOT advance my due date. So I've now made XXXX and XXXX pmts that were both applied incorrectly and it looks like I owe 2 months. On XX/XX/XXXX I email again requesting a call back from a Supervisor ASAP. On XX/XX/XXXX I call back since I still have not heard from anyone and I speak to XXXX who is a customer service rep who says he will expedite this process and it will be corrected by XX/XX/XXXX. On XX/XX/XXXX The issue is still not corrected I call back again and wait 45 mins to speak with another Manager J ( again no last name no ID # given ) She tells me she will expedite this and needs some time to figure out what is going on and states she will call me back. When we are talking she tells me I have a check being mailed to me from my escrow for {$1100.00} and I was very upset they were supposed to reverse this and reapply as 1 payment and put the 50 shortage into escrow then reanalyze my escrow so my pmt amount would be corrected. I ask her to stop payment the check immediately and reapply it properly. She says she will work on it and call me back. On XXXX My XXXX payment is now due and they still don't have my account fixed so I call again this time I talk to a supervisor named XXXX ID # XXXX. XXXX says he want to research and talk to the Supervisor XXXX ( he says her name is XXXX ) and he will call me back on XX/XX/XXXX. Today is XX/XX/XXXX and I still have no answers and need to pay my mortgage for XXXX now. I have been told that my credit reporting was surpressed but I'm not sure what to believe since no one there is telling the same story. Break down is I need a stop payment issued on the check they sent me apply it to my XXXX pmt and my XXXX escrow shortage then apply my XXXX pmt properly. Once that is complete I need to make my XXXX payment ASAP. I refuse to send them more money until my history is corrected. I am also applying to refinance this mortgage with another company which I told several supervisors and I need a corrected history to provide to the lender. I can do any of this until its corrected
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am distressed that you have included the information below in my credit profile 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 credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES (AR)

We have reached out to the mortgage company ( Weichert Financial Services ) two times and they have refused to respond. 

Our mortgage ( balance {$190000.00} ) has been paid in full via refinancing settlement payment in the amount of {$190000.00} resulting in a excess payment of {$960.00}. 

We have three issues : 1 ) -Our activity history initial identified as " interest '' an amount of {$870.00}. This was AFTER our refinancing company obtained a payoff quote and AFTER they paid the full amount. 

2 ) -Weichert Financial Services subsequently " paid '' an Mbs Pool Settlement amount of {$680.00} from our balance. They have been unable to explain what this amount represents and why it was deducted from our refinancing company 's overpayment of the mortgage balance due. 

3 ) -Weichert Financial Services then allocated an amount of {$88.00} to an " Escrow Account, '' however, we have never had an escrow account as part of our mortgage loan Weichert Financial Services . We were subsequently " refunded '' {$88.00} but were never given an explanation why an escrow account was set up, money placed in this account and held by Weichert Financial Services before sending it to us. 

In short, we are still unable to get any response or understand the following transaction history : XX/XX/2020 Escrow refund {$0.00} {$0.00} ( {$88.00} ) {$88.00} {$0.00} {$0.00} XX/XX/2020 Mbs pool settlement {$0.00} {$620.00} {$0.00} {$620.00} {$88.00} {$0.00} XX/XX/2020 Loan paid in full ( cash ) {$190000.00} {$870.00} {$88.00} {$190000.00} {$88.00} {$0.00}
Consumer complaint received 2022-09-21
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: SYNCHRONY FINANCIAL (WI)

I made a purchase of {$930.00} for two tickets and insurance for a concert. This purchase was made in XX/XX/XXXX and the concert happened in XX/XX/XXXX. I unfortunately was unable to attend due to medical reasons. I purchased insurance for instances like this. I made my claim with the venue and never received a response. I took the issue with my creditor however the issue was never resolved even after disputing the amount 4 times. The company that issued the tickets was XXXX XXXX. And my creditor was Paypal Credit. The concert was XXXX XXXX XXXX and my order # is XXXX
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I have been a preffered customer of Stage credit card since XXXX they closed my account in XX/XX/XXXX I was able to to get customer service to reopen it in XXXX and then to my surprise I found out yet again stage closed my account XX/XX/XXXX XXXX and this time they said they were unable to open account because it is past the 10 days but i could this reapply is so wrong that company can get away with this during a pandemic when there stores are closed online and none open and they hurt our credit they need to be laws during a crisis to protect consumers against companies like this because another company did this to e as well and I am trying very hard to rebulid my credit not damage it. and all they said was i could reapply all my history lost how cruel!!!!
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?
Consumer complaint received 2020-05-08
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: Resurgent Capital Services L.P. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.
Consumer complaint received 2020-05-08
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-05-08
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.