davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Before XX/XX/2023, Midland Credit Management send via XXXX a letter pertaining to a debt they purchased and offered to accept {$50.00} biweekly payments to pay of this debt. The letter states that the offer must be responded to within 15 days of the dated letter. This letter is dated XX/XX/2023. It however was received on XX/XX/2023. This would require a response within 3 days of receipt in order to be able to comply. This tactic is abusive to the consumer and does not provide sufficient time for the consumer to weigh the options and to properly budget for this payment into their routine. To demand a response within 15 days of the date of the letter, but to withhold it from immediately being sent to the consumer appears to be a common issue I personally have experienced as other letter which do not have direct tracking, have been received nearly an entire month after the date of the letter. These can however be verified with USPS informed delivery as daily emails are received with images of what is expected to be delivered that day. Several communications from Midland Credit can be proven to have been received by more than 21 days after the date of the letter, and after the stipulated " respond by '' date stated in the letter. This violates the rules and regulations set by federal lawmakers on the practices of debt collection and is a tactic that should be addressed immediately.
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo a credit card by mail that was never received back in XXXX of XXXX. 
I called and informed them that I had not rec 'd card and the informed me that they would expedite and resend another card back in XXXX XXXX, and I rec 'd new card but have yet to use card. Now in my recent XXXX credit report I found that Wells Fargo has report my account past due for {$16.00} that they claim is a XXXX fee they charged my account for expediting my card that got lost in the mail. The Fraud representative I spoke to stated that he will pull up the recording and If I am correct I will have it removed, but refused to give any written confirmation to me, rather he told me I would have to wait and see next months statement to see if charge was removed, without any further explanation or assurance of outcome confirming their internal investigation. 
I is absurd that anyone would accept this explanation as it is my credit they are reporting as in default and waiting another 30 days would make this matter more en-grievous as it would be further in default without any explanation or transcript of conversation from their internal investigation. I request that an investigation be started by XXXX credit reporting agency, and I have advised them I did not authorize charges, and requested late charge accrued be removed as well. Still waiting.
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

Last XXXX 2015 I filed a RESPA request with Chase see attached, and still it has not been responded to. I believe that my Consumer Rights have been denied ; AGAIN with this bank!! that is adament to foreclosing on me while keeping me unable to obtain my rights under our laws of the United States RESPA act. All of my complaints as of so far are essentially been ignored with the same responses from Chase that they refuse to acknowledge me as an American Citizen with RIGHTS!!!! I will not be foreclosed on by being kept from obtaining my rights!! to allow Chase to continue to abuse and rob me for its own financial gain!!! I demand this RESPA be responded to or I will be forced to approach our court of law to be acknowledged of this legal request!!!
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to dispute any responsibility for the fraudulent activity that occurred on my Chase Bank account. I recently discovered unauthorized transactions on my account, and it is imperative to clarify that I have taken appropriate measures to safeguard my account information and have not engaged in any fraudulent activities. I believe this incident is a result of a security breach or unauthorized access to my account. 
I have consistently maintained secure practices to protect my account information, including safeguarding my account credentials, utilizing unique and robust passwords, and regularly monitoring my account activity. Therefore, any unauthorized transactions are a clear indication of an external breach. Upon reviewing my account statements, I noticed several transactions that I did not initiate or authorize. As soon as I identified the fraudulent activity, I promptly contacted Chase Bank 's customer support to report the unauthorized transactions and initiate the necessary actions to secure my account. This demonstrates my commitment to resolving the issue and minimizing any potential damages. I am fully prepared to cooperate with Chase Bank 's investigation by providing any additional information, supporting documentation, or evidence that may assist in identifying the fraudulent activity and ensuring a swift resolution. Based on the aforementioned circumstances, I firmly believe that I should not be held liable for the fraudulent transactions on my account. As a trusted banking institution, I expect Chase Bank to thoroughly investigate this matter and take appropriate measures to rectify the situation promptly. I kindly request that you keep me informed throughout the investigation process and provide regular updates on the status of my complaint. I appreciate your immediate attention to this matter, as it is crucial to resolve this issue and restore the integrity of my account. I have always been a satisfied customer of Chase Bank and trust that you will handle this case with the utmost professionalism and commitment to customer satisfaction.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates was requested to validate the debt by providing a copy of the original purchase agreement and the original billing statement with the itemized charges on the following Incoming Call log dates and time : XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, and XX/XX/XXXX, at XXXX from ( XXXX ) XXXX. I mailed a written request for validation on XX/XX/XXXX. Portfolio misrepresented that they would provide these supporting documents and I had reasonable expectation to receive them within thirty days. This did not happen.

Portfolio did not provide sufficient evidence to authenticate their ownership claim but brought forth a lawsuit using a generic bill of sale which is only one page long and doesn't contain the purchase agreement. I also, make claim the following : ( 1 ) Portfolio lied that I made 3 payments on this account. No payment has ever been made. ( 2 ) Portfolio entered into evidence a fake Promotional Purchase Summary dated XX/XX/XXXX ; However, in the body there are transactions listed as XX/XX/XXXX and XX/XX/XXXX. This is deceptive and should not represent or replace a purchase agreement. ( 3 ) In conclusion, Portfolio Recovery Associates are purposely misleading and using the court system to bring forth lawsuits to intimidate a payment or a default in judgement. Portfolio is attempting to enter into evidence the validity of an unsubstantiated debt. Portfolio is also attempting to collect on a debt without offering to provide necessary documentation to the debtor and has misrepresented that it would provide the offered validation document within the 30 days. Portfolio has initiated a debt collection lawsuit without possessing required documentation ( Purchase Agreement ) to authenticate and legitimize their ownership of the debt.
Consumer complaint received 2016-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

To whom it may concern : I sent a letter to Navient ( XXXX XXXX ) back on XXXX/XXXX/2016 at XXXX in reference to how to allocate my monthly payments if there is a greater amount than the minimum due. As of today I have yet to receive a response. I called them to ask them about my email and the customer representative said that the system does not allow her to see my emails, which is a total lie because they have seen my emails before. It was the last time I called back in approximately XXXX 2016, Navient can go back and pull the recording. I have contacted the cfpb before regarding the terrible business practices of Navient ( XXXX XXXX ) and yet they continue to do whatever they want with no regulation whatsoever. 
Can someone look into this new matter of them not responding to my emails, especially when it comes to paying down my student loan debt. 

Thank You LETTER COPY : I am writing to provide you instructions on how to apply payments when I send an amount greater then the minimum due. Please apply payments as follows : 1.After applying the minimum amount due for each loan, any additional amount should be applied to XXXX with a balance as of XXXX/XXXX/16 in the amount {$14000.00}. 
2.If there are multiple loans with the same interest rate, which LOANS XXXX and XXXX have the same interest of 3.375 % please apply the additional amount to the loan with the lowest outstanding principal balance ( XXXX ). 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest balance, which is LOAN XXXX. 
Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 
Thank you for your cooperation
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XXXX/XXXX/16 I submitted an offer to purchase a short sale property serviced by Select Portfolio Servicing. There seem to be numerous delays by the servicer in review of the short sale that I would like to have investigated. After my offer was submitted, a BPO was not ordered until XXXX/XXXX/16. Results of the BPO were not processed until XXXX/XXXX/16 at which time a counter offer was requested. An updated purchase contract/counter offer was given to the servicer immediately and it took until XXXX/XXXX/16 to get a final approval even though there was no other negotiating. I immediately completed an application with a lender, ordered and paid for an appraisal and inspection. A title search by my lender showed there was an outstanding XXXX lien on the property. Negotiations with the XXXX lien began on XXXX/XXXX/16 and ended on XXXX/XXXX/16 with them requesting a $ XXXX settlement. The selling agent immediately went back to Select Portfolio Servicing on XXXX/XXXX/16 to get an updated approval including the $ XXXX settlement to the XXXX lien and it took SPS until XXXX/XXXX/16 to order the BPO again as the first XXXX had expired. I understand BPOs are only valid for 90 days, however I do n't understand the delays with ordering the BPOs and providing approval documentation. I unfortunately am now at jeopardy of losing {$600.00} for the appraisal I obtained if we do not close by XXXX/XXXX/16 since appraisals are also only valid for 90 days. I am hoping they will rush this second review, but am not hopeful. The purpose of my complaint is to obtain confirmation that SPS has maintained compliance with CFPB regulations and required timelines in review of this short sale.
Consumer complaint received 2023-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (WI)

On XX/XX/2022 I sent Credit Acceptance Corp. a debt validation letter in which it was ignored. This is my second attempt at getting this debt validated and each and every question needs to be answered or this account need to be close and removed from my credit reports immediately. This not my name on this account, and I would like Credit Acceptance to cease and desist immediately from calling my phone number of XXXX.
Consumer complaint received 2023-06-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX in which is subcontracted through XXXX, XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 A. States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (PA)

This complaint is with regards to Electricity and Gas Services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) at the earlier rented apartment that was vacated on XXXX XX/XX/2022 as per the last date on the lease. Based on the disconnection request, I had received the account closure letter documents over email from XXXX XXXX  XXXX confirming my account closure on XXXX XX/XX/2022 followed by the final bill of {$270.00} on XX/XX/2022. However, even after this final bill XXXX XXXX XXXX sent additional bills for the total of {$220.00} although my account was already closed based on the communication they shared. 

A Debt collection company Revco Solutions contacted me via phone call and postal mail for a total payment for {$490.00}. I paid them my final bill amount of {$270.00} by check which was the correct amount owed to XXXXXXXX XXXX  XXXX as per my final bill. Even after that they kept sending notices that I pay the remaining {$220.00} which as mentioned was over and above the final bill amount. I provided them all the evidence over email regarding the communication on account closure and final bill shared by XXXX XXXX XXXX. However they kept on sending further notices for the payment of the remaining balance. Upon contacting them today again there was no change to this position. 

I am raising this complaint as the remaining balance of {$220.00} is an amount I do not owe XXXXXXXX XXXX XXXX as explained above. I am attaching the copies of communication mentioned from XXXX XXXX XXXX.
Consumer complaint received 2023-06-21
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. (CA)

On XX/XX/XXXX, XXXX 's XXXX pulled a hard inquiry without my approval. I authorized one inquiry to get a business credit card on 6/7/2023, but they pulled it twice without my knowledge or consent. I contacted them directly as well on XX/XX/XXXX. They told me I had to submit a dispute with the credit bureaus, which I did already. 

I authorized one inquiry with XXXX to open my credit card account on XX/XX/XXXX. However, XXXX pulled my credit THREE times from XXXX on XX/XX/XXXX which I did not authorize multiple hard inquiries in one day. 

XXXX pulled my credit TWO times in one day on XX/XX/XXXX which I did not authorize. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX submitted hard inquiries without my authorization. They told me if I wanted to request an increase on my credit card it would be a soft pull and not impact my credit. I did not authorize these hard inquiries from XXXX XXXX. Please delete. 

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX submitted hard inquiries on my Experian credit looking to get me approved for a car loan. I did not authorize them to submit my credit multiple times. Please delete. 

On XX/XX/XXXX, XXXX submitted my credit to several banks trying to get me approved for an auto loan. I did not authorize them to pull my credit. 
On XX/XX/XXXX again XXXX, and XXXX XXXX XXXX on XX/XX/XXXX pulled my credit without my authorization attempting to get me approved for an auto loan. I did not authorize them to run my credit over and over. Please delete these inquiries
Consumer complaint received 2023-06-21
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: Radius Global Solutions LLC (FL)

This account was paid in full and continues to show on my XXXX credit report. This was paid off XX/XX/2020. This is showing that it's in collection which is wrong.
Consumer complaint received 2023-06-21
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. (TX)

Experian I have reviewed some information on my credit report that shows an inquiry that I never authorized. Please delete these fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are being used by fraudsters to attack my credit and steal my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police report.
Consumer complaint received 2023-06-21
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. (OR)

XXXX account was opened 100 % fraudulently by somebody else that had stole my identification card! 
I had my taxes from the IRS stolen XXXX years in a row, and I had put a personal protection pin for my tax return, and when I return to my XXXX XXXX  to check my tax information, and my credit score I found inaccurate fraud accounts opened up in my name that I would like removed please! 

A suspect has used my good credit, and squandered it by opening up fraudulent accounts that I would like taken off please!
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (KS)

On about a monthly or more frequent basis I am receiving calls for someone else 's debt. Based on information revealed on the first call I am aware that the debt belongs to a ex-step daughter whose first name is similar ( XXXX vs. XXXX XXXX ) The caller revealed they were collecting on her past due XXXX XXXX card. I have explained this to the collector on the phone and asked for my number to be deleted from their database. I have confirmed my DOB, SSN and legal name, which is clearly not a match to their debtor. I have been promised my phone number, name and other confidential information would be deleted but no action has been taken. Then when I again explained they were calling the wrong person and asked to speak with a manager, they hung up the phone. I continue to receive calls and now the " offer '' is to reduce the rate on my credit cards. I have no credit cards but the person they are trying to collect upon does. I block the number they use from the auto dialing system and then another number comes in several weeks later. When I have returned a call, almost always a non-native XXXX speaker is on the phone. I can not get them to stop calling me. ( Please bear in mind I have no debt in collection. I have several unpaid tax liens in noncollectable status at this time. The calls I am receiving are regarding credit card debt of which I have no cards and no balances owed.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MN)

I bought an investment property in XXXX 2015. My original mortgage was serviced by XXXX XXXX. The house I bought was appraised at {$200000.00}, but the seller agreed to sell for {$200000.00}. I paid XXXX % of the purchase price and XXXX % was paid by lender. An Escrow should have been needed in this situation, however, I agreed to open an escrow to impound taxes and Insurance with the understanding that when I make 12 consecutive payments the escrow will be removed. The mortgage servicer transferred the loan to Freedom mortgage on XX/XX/XXXX, which was couple weeks after I made my 12th payment. The new services refuses to remove escrow and have cited incorrect reasons for not removing the escrow. ( attached is the letter denying my request to remove escrow ).
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.