davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have requested numerous times to provide me with the correct information and they have ignored it. This debt does not belong to me and asked for them to verify that it does and has failed to do so on many occasions. 

Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( PORTFOLIO RECOVERY ASSOCIATES ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

The only information provided is for the following XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the account was opened on XX/XX/XXXX why do I not have all the statements and payments as I have asked many times. 
How come I havent gotten anything that shows this was actually mine with my signature. 
No proof of license in my state as asked No contract providing my signature or sold receipt showing it was sold from the original credit. 

Also these account is also being inaccurately reported on my credit reports with multiple different information across all 3. 

Information provided from PORTFOLIO RECOVERY ASSOCIATES XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Sale done XX/XX/XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Refuses to investigate XXXX Refuses to investigate Summary showing sold XX/XX/XXXX Opened XX/XX/XXXX Letters sent from me to the company for validation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2022-04-21
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. (TX)

On the account with Equifax, I have written them numerous times as well they are showing an account with XXXX XXXX XXXX as inaccurate with an updated Date of Last Active which matches the Date of Last Reported. This shows they updated this account and Re-aged this account which is now a violation. Along with the fact that the High Credit Limit is matching the Balance which is inaccurate. This account is not a joint account and if they had actual proof they would have provided that because the method of verification was asked for numerous times. I have also asked for an independent investigation because due to XXXX XXXX XXXX it is required and they have yet to provide this information. I have been pushed to place in this complaint.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is a duplicate of the complaint filed with the Controller of the Currency, Case No. XXXX, and transferred to your agency per XXXX letter dated XX/XX/XXXX. 
I have been having problems with the accounting for my mortgage loan starting in XX/XX/XXXX when the bank reanalyzed my escrow account. I received a letter dated XX/XX/XXXX advising me of my options going forward. I elected to pay in full the shortage of {$840.00} and made that electronic payment on XX/XX/XXXX, far earlier than the cut-off date of XX/XX/XXXX. About this time B of A changed its data processing system. I have been making the regular monthly payments early ( too early, in some cases, I was told ) and have also been making additional payments ranging from $ XXXX extra to be applied to principal during this time period. All payments have been made through my Chase on-line banking program, and copies of the transactions were sent to B of A. I have had multiple calls with various representatives, and visited the local branch in XXXX, WA on XX/XX/XXXX and met with the branch manager XXXX XXXX. At that time, he told me he had several customers who were having similar problems. He waited in a phone queue for approximately 45 minutes, then he had a speakerphone conversation with the representative and generated a service request XXXX. Nothing effective transpired. I have had repeated dunning letters and calls and e-mails, which in each case I followed up, explained the problem, and received effusive apologies from the representatives. This was repeated most recently about an hour ago, XXXX XXXX PST on XX/XX/XXXX, when I spoke with XXXX XXXX. She promised to escalate the problem once again. I have received a copy of the transaction ledger from B of A, and the transactions bear little similarity to my payment history as documented by XXXX. My most recent payment was due XX/XX/XXXX and is currently showing as overdue according to the bank 's on-line banking system, confirmed by an e-mail from B of A I received yesterday ( XX/XX/XXXX ) and the phone call message I received at XXXX XXXX last evening which generated my call to Ms. XXXX. The XX/XX/XXXX payment was originated on-line on XX/XX/XXXX and showed paid on XX/XX/XXXX. I made an additional payment to principal in the amount of {$3000.00} on XX/XX/XXXX which was delivered on XX/XX/XXXX and is also showing paid. I have also sent on-line messages through the banks message center. I also sent a handwritten letter as an e-mail attachment to XXXX on XX/XX/XXXX. I have been diligent in responding to the Bank, but the problem persists, thus this complaint.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (NY)

CMG Financial has held my loan for about 5 years, there was never one late payment and we recently refinanced out of an FHA loan with a new company and for a lower rate. The loan was closed and payed in full as of XX/XX/2020 and I am currently still waiting for the Escrow refund check, as per the guidelines there is a 20 business day waiting period which this has been over and when I call them they can not tell me why I still haven't gotten my refund of MY money. This is against the guidelines and if it were the banking/financial institution they would be charging all kinds of late fees and interest. Why os it ok for them to not follow protocol and guidelines when they are holding the consumers money!? This is a disgrace of the servicer of my loan to not be meeting guidelines set forth for them but require us as consumers to always follow guidelines and make payments on time.
Consumer complaint received 2020-12-01
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. (FL)

I am writing a request to investigate accounts that do not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I have a simple interest loan. My car note is XXXX. I pay XXXX for each payment due. My payment XX/XX/XXXX I request that the overage XXXX be applied to my principle balance. My issue is they are not reversing the payment back to the date of the payment. Also if I pay early it is applied on the due date not the actual date of payment. I'm trying to reduce as much interest as possible. My payment XXXX reversed and reapplied XX/XX/XXXX causing me to accumulate 10 days of interest. XX/XX/XXXX ( principle only payment ) reversed XX/XX/XXXX, 5 days of interest. XXXX reversed XXXX, 4 days interest. XXXX reversed XX/XX/XXXX, 6 days of interest. XXXX reversed XX/XX/XXXX, 13 days of interest. XXXX reversed XXXX, 2 days interest. XX/XX/XXXX payment applied XX/XX/XXXX reversed XX/XX/XXXX, 10 days of interest added to my account, which has added XXXX debt to my credit causing my credit score to decrease by 32 points. I called 5 times and texted twice to have my XXXX payment reversed before it was actually done. I made a previous complaint about my request for reversal and as you can see it is increasing my debt and affecting my credit score.
Consumer complaint received 2022-11-19
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. (CT)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX  Date opened : XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date opened : XXXX XXXX XXXX  Balance : {$520.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  I Inquired on XXXX XXXX ; XXXX XXXX  Inquired on XXXX XXXX XXXX  ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXnquired on  XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDFIRST BANK (NY)

Mortgage loan was NEVER included in XXXX chapter XXXX bankruptcy ; payments continued XX/XX/XXXX through XX/XX/XXXX until property was sold. Mortgage balance paid in full via my attorney in XX/XX/XXXX. This error has caused me many negative credit issues. Please update and rectify asap. Thank you
Consumer complaint received 2022-05-19
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account und open end consumer credit plan as lat purpose.
Consumer complaint received 2021-08-23
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. (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (GA)

My account has been placed with Halstead Financial Services. here are the details : Halstead Financial Services : Original Creditor : Credit XXXX XXXX| XXXX. 
Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$1600.00} I had not spoken to Halsted at all until today XX/XX/2020. My mother called and said someone from Halstead called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called Halstead today on XX/XX/2020 at XXXX EST and spoke to a XXXX  about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from XXXX XXXX.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I leased this vehicle XXXX of XXXX. I hit a rough path in which i fell behind on payments. However i always remained in communication with ally in regards to payment arrangements and have made every arrangement. At the start of the lease the car was repossessed in XXXX. In which the car was picked up the same day the car was taken. The car was taken around XXXX it took a few hours for the car to come in the system so i can get the pricing of the amount needed to get the car back and the steps needed. I submitted the payment via XXXX money transfer as instructed collected the car within 4 1/2 of the car being taken. Once i collected the car i stayed up to date with my payments. For almost a year payments werent reflecting on my report after months and months of waiting for my report to be updated with on time payments, after being promised of 3 late payments being removed from my report none happened. Now fast forward to XXXX of XXXX it showed on my report as if i havent made any payments since the car was taken and redeemed no body could give me any answers after multiple investigations submitted to ally through customer service and hearing someone will contact you within 5-7 business days Id call back and they stated no claim was submitted and would tell me theyll Make sure they submit it. After about 5 months of trying to get my credit report updated they finally updated it however now i have redeemed & repossessed showing on my record when the car was even gone longer than 5 hours the total amount was paid in full. The report was updated with on time payments showing and since then no payments have been added to my credit report everytime i contact ally its a bunch of excuses and stating covid is the reason for the delay and theyll manually update my reporting but that has yet to be done. My lease is up in XXXX of XXXX and now its hindering me with these negative reporting and no payments showing on my report to get a new vehicle. Ally can never seem to rectify these issues. Ive contacted and talked to numerous supervisors that stated theyll get everything escalated and that they understand my frustration but yet nothing has been done in regards to this matter. Once i got back to my steady job payments have been on time if not made early making payments in advance. This is ridiculous that i have to take these measures to get everything situated
Consumer complaint received 2020-12-01
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)

please correct the ftc violations and FCRA vioaltions correct the late payment with XXXX XXXX and fixed the collection FTC vioaltion not mine remove all the names
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX or XX/XX/XXXX I received letter from MCM collection company that it says I owe {$26000.00}. 
I contactact them it is an unknown account and I don't owe any credit card company 's money. 

After that call, they send me the documents that XXXXXXXX XXXX total amount of I owed in XXXX and Judgement documents. 
And XX/XX/XXXX They sent me a another letter that they had reinvestigated but I still have to pay for which is that I don't agree. 
What can I provide to them to clear this dept charge? 
I don't even received any statement from XXXX XXXX before. 
I don't have anything to provide to them. 
This must be a frouded account.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me. I have also received a collection in the mail saying that I owe money but it does not state that I have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
Consumer complaint received 2022-04-21
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. (OH)

I sent a certified letter to XXXX XXXX XXXX Account # XXXX on XX/XX/2022, " demanding the company provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically XXXX XXXX XXXX XXXX XXXX an entity entitled to enforce a commercial claim You do not conduct commerce against me. '' ( I have attached a copy of the letter ). Use of name, birthdate and social security is not validity. XXXX XXXX XXXX did not provide the requested information and did not remove this account off my report.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX- XX/XX/XXXX, 26 transactions of {$40.00} and 1 of {$17.00} were posted to my Bank of America Debit card. The purchases were made at XXXX  and amounted in the loss of {$1000.00}. There weren't any alerts sent to prevent this fraudulent activity. 
I filed a complaint with Bank of America and was issued an adjustment credit of {$1000.00} on XX/XX/XXXX. The credit was issued during the pending fraudulent investigation. On XX/XX/XXXX Bank of America sent me a notice stating, '' We've completed our review of the above referenced claim and have determined that no error has occurred in this instance. We now consider your claim resolved. As a result, the temporary credit for {$1000.00} that was previously applied to your account will be removed on XX/XX/XXXX. '' On XX/XX/XXXX {$1000.00} was withdrew from my account by Bank of America, leaving the account with a negative balance of {$1000.00} and no way to receive my unemployment benefits until the deficit is resolved. 
On XX/XX/XXXX I called the help number given on the notice. I was on hold for 1 hour and a half. The claims representative was unable to tell me what evidence was used in the investigation to determine no fault was made by Bank of America or how long a second investigation would take. I was transferred to a supervisor, waited an hour, only to get disconnected without a call back. I called again and requested to speak with a supervisor but was notified the only way to be transferred to a claims supervisor was to wait in the claims queue again. I requested to speak to a supervisor from the number located on the back of my card. I was transferred to the supervisor name XXXX, told to hold, waited for 35 minutes and hung up on. I was hung up on by this supervisor two times. 
I then tried to reach out to Visa and was told they were unable to help because Bank of America is the issuer. I waited again for over an hour and spoke to a claims representative at Bank of America. I asked to speak to a supervisor, they would not transfer me because they needed a good enough reason. When I asked what proof the investigators had that I made those 27 transactions at XXXX, they couldn't answer. The best they could do was open a second investigation. They could not tell me how long this investigation would take.