davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Sometime in 2016, I was contacted by a collection company via telephone regarding the debt. I explained that I had a disputed account by their client, and that I needed validation of this debt. I provided a current address, and requested that the documentation be sent to me so that I could verify the alleged debt and handle a dispute accordingly, if necessary. I requested not to be contacted by phone because it was during work and inconvenient. I never received verification documents or correspondence regarding my dispute. However, Portfolio Recovery Associates, LLC is now reporting 'Dispute resolved-consumer disagrees '. I did not know any investigation had been conducted because I was never sent the verification of debt I requested. No letter advising me of any results of my dispute was sent to the address I provided nor to a current address on my credit bureau reports. I have never received any verification or dispute documents regarding this account, yet Portfolio Recovery continues to pursue me for this unverified/disputed debt and reports that a was dispute resolved. My right to verify and/or dispute this debt according to federal laws has been compromised.
Consumer complaint received 2018-04-16
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. (MI)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I receive wires into my account that are missing funds. The missing amount varies and there is no line item on my bank statement to account for it. I asked Citibank and they responded saying it is a valid fee due to intermediary bank fees. If it is a valid fee where is the transparency? How can I know when they will take these intermediary fees and how much they will be for? And how can I account for them when there is no line-item on my bank statement? Please show me proof of how you can literally debit money from an incoming wire with zero transparency. Where is this in my terms and conditions?
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One locked my 360 Accounts randomly after i filed only a few disputes. After further review they unlocked my account to let one direct deposit into the account, and would not release my direct deposit. <P/>I was never warned the accounts would be closing, and i had my accounts fraudulently charged by XXXX XXXX for thousands of dollars, I disputed these charges and instead Capital one Reversed these and overdrew the account after locking the accounts. Then Sent my accounts to XXXX as a bad customer. Thus not allowing me to open accounts with any other bank, This is false information.
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NC)

This company is reporting  XXXX  separate accounts that are linked to my  SSN,  dates ranging from  XXXX   XXXX , 2008-  XXXX   XXXX ,  2008 . All  XXXX  accounts are with a  XXXX  balance, however it is reporting as a bad charge off/ closed account to the  XXXX  credit burea us  XXXX  ,  XXXX , and  XXXX  . This information is incorrect and is hindering me from having a better credit report/score
Consumer complaint received 2017-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

I sold an item on XXXX for {$790.00}. Buyer of the item immediately upon winning the auction ( which ended on XX/XX/XXXX ) made a payment via PayPal, XXXX 's proprietary payment system. Item was shipped out the following day and received three days later. Buyer confirmed to XXXX and to myself that item had been received in good order. Paypal, however, immediately upon receiving funds, frozen said funds, with no recourse, for a duration of " 21 days ''. Buyer called XXXX and reported that item was as described. I personally have a history with XXXX ( as both a buyer and a seller ) that dates back to the infancy of the web site, without a single complaint. Paypal indicated that " a tracking number '' would facilitate the release of funds, but without it the funds would not be released before aforementioned 21 days ( with no indication of whether those are calendar or business days ).  Reported issue to Paypal 's helpdesk, which responded with an automated Email asking me to follow a variety of steps clicking a long series of menus and options that simply did not exist ( perhaps they referred to an earlier version of the system ). Multiple conversations with the helpdesk were unhelpful. Eventually, a conversation with a manager directly contradicted her subordinate and indicated that once item had been marked " received '', which requires approval by both sender and recipient, the funds would be released by today. Funds are still frozen and still can not be retrieved. I placed a call to the helpdesk, again, and have not as of yet been called back. Today is XX/XX/XXXX. There seems to be no recourse to get those funds back. The buyer acted in good faith. At no point was there any indication that such a process existed prior to the payment being made -- Paypal is effectively holding funds hostage with no recourse and no end in sight.
Consumer complaint received 2017-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (NC)

This company is listed on my credit report as closed with a balnce of $ XXXXwith XXXX XXXX XXXX XXXX and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
Consumer complaint received 2017-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

I was never contacted by Cavalry Portfolio Services. They placed an account that was already in dispute with the Credit Bureaus as not mine on my credit as a collection account. If i would have been contacted by them they would have known the account was in dispute because i have no knowledge of it. I will not be bullied in to paying for something that i have no knowledge of ... ... this account was never validated. <P/>Cavalry Portfolio Services XXXX
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Adjusters, Inc. (NC)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$98.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have medical debt from XXXX XXXX XXXX XXXX (? ) 3 of the debts were covered by insurance at that time. They refuse to seek payment for same. The MAIN concern is that the debt was sold from one agency to another agency, - ARS. ARS has listed the collection again from XXXX to forward EVERY month in an attempt to re-age the debt. I tried calling them. It did no good. The {$810.00} amount is the one they report every month. That debt was not covered by insurance. I am not disputing that I owe it. However, the debt is from XXXX/XXXX/XXXX. ARS has re-listed the debt/collection as if it were new. It is not. I believe this practice is referred to as re-aging and is an illegal practice. Just because they bought the debt from another agency does not start the clock over ... Please help!
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve my credit
Consumer complaint received 2017-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Friday XXXX XXXX 2017. I attempted to cash paycheck at Bank of America XXXX XXXX Branch. I do not have account with Bank of America. Check was a Bank of America Issued. I had cashed paycheck previously at same location. Such was my surprise when the teller called the manager who then denied me services.
Consumer complaint received 2017-07-05
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. (GA)

I have contacted Transunion several times, and sent them copies of my marriage certificate, driver 's license, social security card and a utility bill in my name. I have sent multiple letters via mail and I have called several times since XXXX. The last time I called was XXXX/XXXX/XXXX and before then XXXX XXXX and XXXX XXXX of this year XXXX. I informed them I was looking to clean my credit file and update information in order to purchase a home, and I was told that my married and current legal name does not match my credit file. But when I cal, they will not let me speak to a US representative and say that I need to tell my creditors my issue. I then state that my issue is with Transunion and that I am not asking them to delete my maiden name but put it as an AKA to my married named so that my married and current legal name shows up first on my credit file. I have been denied credit because of this.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WorldRemit Corp. (TX)

i send the money to the wrong person, so i talk to the company to refund the money, now it almost two weeks later, when i talk to them they told me they need confirmation on they partner. but I do need my money back so I can pay my bills
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRINITY HOPE ASSOCIATES (NC)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
Consumer complaint received 2017-07-05
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: Harvest Credit Management VII, LLC (CA)

This was originally over a debt from credit card ( XXXX limit ) that i could n't afford to pay about 17 years ago, this was for XXXX XXXX. 10 years ago a law office that was hired by a a debt company ( harvest credit management i believe it is ) that bought the debt sued me. I never received a notice to appear ( failure to serve ). I only found out about it months after when the collected old mail to see the court case was already decided. To my knowledge I have to be served correct? Since which 10 years have passed and suddenly last week they seized all the money in my accounts both savings and checking. This happened without any notice. When I called them they said they sent a notice to an old address. They claimed the recently renewed the case and is why they just now after 10 years decided to make that move. They now claim I owe XXXX in interest on top of the credit card amount of XXXX, a total of XXXX. I have no way to pay this and will most likely claim bankruptcy soon unless they can settle for a far smaller amount.
Consumer complaint received 2017-07-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lendmark Financial Services (FL)

I have been disputing this account for years. The account was opened in XX/XX/XXXX and was paid in full. I have never received communications that they were attempting to collect a debt or notified of any legal rights that I have to dispute the debt. I have not been provided proof that I owe the debt. <P/>Worse of all they report that I last made a payment XX/XX/XXXX which is not true in any way shape or form and extends the statutes of limitations of the time this loan can be reported for an another almost two years. <P/>I ask that they show proof of a payment that I made on XX/XX/XXXX or remove that date from the report, I ask that they show proof that they sent written communication of an attempt to collect a debt and that they can validate and did validate that I owed it. <P/>This is not a valid debt and the reporting dates of payment is wrong, the debt is paid, and I ask it to be removed.
Consumer complaint received 2017-07-05
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. (TN)

Different people are using my information to get health care insurance. They are being allowed to be seen by different doctors. Get prescription medication/drugs, XXXX XXXX, and other controlled drugs in my name. I 've told XXXX the address on my report is incorrect. My date of birth, all of my former employers have been changed. Someone have placed a seven year fraud alert on the fraud information. I ca n't do anything online, because they 've placed a monitoring service on my social security number. I need an address for XXXX to mail my information to. I 've changed the spelling of my name with probate court. My drivers license & social security card shows XXXX XXXX XXXX.
Consumer complaint received 2017-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (KY)

My auto loan is with Santander Consumer USA. I am a co-borrower on the loan with my ex-fianc, XXXX. XXXX filed a Chapter XXXX  bankruptcy, and released his interest as a title holder on the car. The car was not included in the Ch. XXXX bankruptcy plan, as it is my primary vehicle and I did not file bankruptcy. Payments have been made timely on this loan since the time of loan origination. The bankruptcy filing occurred in 2016. Santander ceased credit bureau reporting at the account level upon the bankruptcy filing, versus at the borrower level, therefore there is no credit history on my credit report for this performing loan. When I contacted Santander they told me the only option was to re-finance the vehicle, which I am unable to do, due to low credit scores. If my loan was reporting as performing, at the extremely high payment amount I pay per month, my credit scores would be improving. Santander 's policy is negatively impacting me as a borrower. In addition, Santander shut off auto-bill pay due to the bankruptcy, when the auto-bill pay comes directly out of my account, and has been deducted for over a year now, post bankruptcy filing. I was not notified of this change, and when I contacted Santander to inquire why the payment had not been taken from my account, they indicated a notice was sent to XXXX XXXX bankruptcy attorney. As a result, my loan is now showing past due. Santander has zero options available for repayment plans, for me as a borrower, because again they have tied the bankruptcy filing to the account versus at the borrower level. Again, this is negatively impacting me as a borrower, due to Santander 's policies when there is a non-filing borrower and a filing borrower on the loan. Billing statements are not provided, and online access to my account is locked, due to the bankruptcy filing. So, while I am making my monthly payments, which is benefiting Santander, I have zero access to the balance of my loan, short of calling Santander and enduring extremely long wait times.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: IQOR US INC (LA)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$580.00} with XXXX, XXXX, & XXXX credit reporting agencies. This debt was previously removed then later resold and reinserted back onto my credit reports. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Equifax has failed to accurately update the CURRENT STATUS of paid accounts as PAID. I have attached a portion of my equifax report to show the issue with SEVEN accounts by 3 different creditors. Each of the creditors has indicated the account is paid in full, but Equifax only indicates that in the comments and fails to indicates paid under current status. This results in a lower credit score and results in statutory damages that are ongoing. <P/>For each of the seven accounts, the balance is XXXX and there is a comment showing paid. However, the CURRENT STATUS remains 'Charge-Off '. <P/>I have previously asked Equifax to fix this simple, obvious issue. They point to the creditors needing to fix it but I have discussed this with the creditors who state they are reporting the accounts as Paid in full for less than the full balance. It is Equifax who is only showing this in comments and failing to change current status. These same creditors who report to XXXX and XXXX show the same accounts as PAID. <P/>The accounts can not be paid AND a charge-off at the same time! Under the FCRA, Equifax can either show my current status on the accounts as Paid, Paid - Was a Charge Off, or it MUST delete the accounts. <P/>My understanding is that Equifax is SYSTEMATICALLY FAILING to indicate the current status as PAID when creditors update the accounts as Paid in Full. Each of the accounts on my attached and annotated Equifax credit report CLEARLY indicates they are paid and Current Status must match. No consultation with the creditors is needed in this matter, as the creditors have each correctly updated the status as PAID. <P/>Equifax erroneously shows the current status as Charge Off while showing Paid in the comments. <P/>This erroneous, systematic reporting of my accounts as current Charge-Off status lowers my FICO score and damages me financially, since my credit offers are reduced and interest rates are increased from the lower score due. <P/>Further the CFPB should inquire with Equifax to learn whether this is happening systematically to ALL consumers who pay charge-off accounts.
Consumer complaint received 2017-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

Originally our loan was with XXXX XXXX XXXX # XXXX. In XX/XX/XXXX, I lost my job -- -I had been working as a XXXX for the XXXX . XXXX and due to the reduction of XXXX XXXX in XXXX I was laid off. We knew we would not be able to make our XX/XX/XXXX payment so we reached out to a Housing Counselor at XXXX XXXX XXXX XXXX. We were approved for the Trial Modification Payments on XX/XX/XXXX by XXXX XXXX. In the process of the Trial Payments, our loan was transferred to Loancare. Now a new loan number and to continue the Trial Payments -- all payments were made as stipulated in the Modification Trial Plan Notice that had been approved by XXXX XXXX. ( See all backup information attached ) Payments were {$1000.00} plus a {$15.00} processing fee added every time we made our payment for a total of {$1000.00}. In XX/XX/XXXX we were told that our XX/XX/XXXX payment was past due, how can that be we have made our payment ( see bank statements showing debit by Loancare ) It seems that they went back to the XX/XX/XXXX payment which we knew would be late and the reason we requested the assistance. Loancare stated XX/XX/XXXX payment went to XX/XX/XXXX and XX/XX/XXXX went to XX/XX/XXXX, and so on. The whole reason for the DENIAL of the Modification we were told had nothing to do with the payments but with the Debt to Income Ratio was too high -- -Now I ask you this, if it was not approvable why did XXXX Approve us? Is not the servicing entity supposed to honor the approve modification by the original lender? I believe it should be that way. Please help clear this up -- we are now considered late and back to the original payment of {$1300.00}. This is not good practice -- plus this is an FHA Loan and they should be able to file a partial claim to bring us current and to the original approved modification payment.