davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a a unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Portfolio Recovery Associates , LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin XXXX. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (GA)

XXXX continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. XXXX is reporting that they are a creditor when they are not.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX reported on my credit report Experian today XX/XX/2023 that this fraudulent credit card is over the limit. this fraudulent account is currently in dispute will all three credit reports and they must delete it from my credit report.
Consumer complaint received 2016-12-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Discovery Systems, LLC (WV)

Someone called my place of employment and a relative to whom no information was provided about something but did n't disclose what the reason was or anything. I do n't know why because I never received any type of notice from this company that a debt was placed with them or a right to dispute. I am also forwarding to this company a cease and desist notice as allowed under the FDCPA. I want all contact to stop except for a note with a right to dispute. Thank you.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (TX)

Every month on my XXXX 2008 truck tell this Flagship company with used to be car finance.com and I was never inform of the change but this flagship company calls after my due day on the on the XXXX of each month and I always tell them when I 'm going to pay them around the end of the month when I get paid again because I am paying IRS back and I 'm never over 30 days let but I will get these calls form this company XXXX XXXX time in a week and they will call my wife XXXX to4 times and I have told them to stop the calls because I have to pay them but I would to have the call back its turning into harassment.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I 've been getting several alerts in regards to me applying for credit with various companies that I have n't applied for credit with. I contacted TransUnion and explained about the inquiries that I did n't authorize. I was told that an investigation will be done. However, I have n't heard from them and I want these inquiries to be removed immediately. I was recently working with XXXX and after I was n't satisfied with their services I ended the relationship. Every since then I 've been getting inquiry hits after hit. I have a fraud alert since I am a victim of identity theft and none of these companies have called me to confirm if these are in fact me applying for credit as I have requested. Please find the screenshots and the listing of the inquiries below. 
1.XXXX-XX/XX/2016 ( Have Proof From Company That Inquiry Should Be Removed ) 2.XXXX-XX/XX/2016 3.XXXX-XX/XX/2016 4.XXXX Card XX/XX/2016 5.XXXX- XX/XX/2016 6.XXXX-XX/XX/2016 I 'm requesting a security freeze since the notice on my bureau is n't being honored.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (IN)

I had recently spoke with a representative from a lending institution about a refinancing loan for my home. He had gathered information about myself and the property in question. I am looking to shop competitor rates and fees as well so I told him I would not like my credit to be pulled at this time. He then stated that he would not be able to give me an estimate unless my credit rating was pulled. I then said I would call him back, I then called a family member who owns a mortgage company and has been in the business for 30 years. She had informed me about the new law called " XXXX '' instituted on XXXX XXXX, 2016, stating that when you provide the XXXX pieces of information, name, social, property address, loan amount, income and an estimated appraisal value that the lender is required to provide you with an estimate of rates and fees by law within 3 days. I then called him back stating this because I gave him all the pieces of information except my social security number the first time we spoke because he said he would use it to pull my credit report to be able to provide me with an estimate of rates and fees. I did not want my credit pulled at that time and that is when I called my family member and she explains the laws. He then insisted on saying that is why he needed my social is to pull my credit so he can give me a loan estimate. As explained to me by my family member in the mortgage business, he can not pull my credit without my approval and could be in serious trouble if he did, I just wanted to shop rates and fees like I am able to do, he then became very short with me saying he would get fired if he were to guess at loan rates for me, so he just said some where between 3 % and 6 % and said he would delete my information, and that was the end of the call.
Consumer complaint received 2016-05-24
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (AL)

I have XXXX complaints with DIRECT EXPRESS debit card XXXX Thye are XXXX with Debit charges on my bill XXXX in XXXX for XXXX NC XXXX and it was for XXXX nights in hotel tottalling XXXX. 
I have complained to XXXX and to DIRECT EXPRESS in writing and go no possibility of relief for bill I did not do. 

Secondly, I was in a XXXX in XXXX I first checked into XXXX XXXX XXXX for 5 weeks. I found I could get into my new home earlier. I told them I would be out on Tuesday Morning. I asked for a refund. None was offered. I asked for refund from XXXX, they said you paid, even though you do not stay we keep the money. I complained to Direct Express, included statements from back showing what I was charged. Nothing as usual.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the XXXX for over two years. This is the state government for Child Support, claiming I was late back in 2003. 14 years ago! This account has never been late, ever. 

I even hired a company named XXXX XXXX to help me dispute this, however, it still has not been removed in 2 years. Please help, I have never been late on my child support that this is very embarrassing, showing that I am late on Child Support.
Consumer complaint received 2016-09-13
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

Took out a second mortgage out XXXX 2005 for XXXX 20 year term fixed interest as of today still owe principal XXXX and see on bottom of bill a deferred interest of XXXX. This is not right, i have asked for a pmt history and original contract to be mailed to me. I think there could be some kind of government protection for mortgage companys taking advantage of consumers
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coastline Financial Resources, LLC (GA)

I received a voicemail from a lady in reference to a legal matter for someone that is not me. She left a voicemail about a process server and a number to the client she was calling for stating they were trying to serve this person whom does not and has never resided with me. I called the client Coastline and Associates known as C & A number and spoke with someone and he became very irate when I asked him to remove my number from their call list stating they were trying to reach this person and it was not me. I explained I am not that person and he continued to ask if I knew her and I told him it did n't matter if I did or did n't and not to call my home. They skip traced and located my number as someone who is somehow connected to this individual. According to FDCPA they are not to contact others but once about trying to locate an individual. When I asked them to not call my home or contact me he became irate stating they should not have given my number out. I know they had no way of giving my number because they do not have my number. My number is a new number. This man harassed me and badgered me even cursed me so I cursed back. I do not appreciate being called about anyone debt and would like this company to cease all calls to me in relation to anyone I may or may not know or be related to. I researched and found they are scamming on old accounts that are all over 12 years old. It is in most cases it is past the statue of limitations to contact someone about a bill that has fallen off their credit for over 7 years or that was discharged in a bankruptcy case. If I continue to receive calls I will file a lawsuit against them. I will also contact the attorney general office on this company. I am not the person they are looking for therefore I should not be harassed or called. And frankly if they are contacting a person for a debt well over the statue of limitations they should cease and desist all contact with them as well.
Consumer complaint received 2016-10-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (GA)

XXXX are trying to collect a debt which I do not owe. They are trying to collect a debt under two different account for the same company. I told the company that all debts and claims for XXXX has been fully resolved. They closed the 1st debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.
Consumer complaint received 2023-01-10
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. (HI)

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with XXXX does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (PA)

The original creditor was XXXX XXXX, the debt had been disputed several times to XXXX as a fraudulent account and never resolved. XXXX wrote off the debt and it was purchased by a debt purchasing company. I was never contacted about the debt but it appeared on my credit reports. I have continuously disputed this account and it has not been removed. In XXXX I contacted XXXX directly, they sent a request to the credit bureaus to remove the debt because it did not belong to me but because it is being reported by this debt purchasing company it has not been removed. I called Pinnacle the company reporting this debt and was informed they are not managing the account another company XXXX XXXX has acquired the account, but Pinnacle continues to report it to the credit bureaus. When I contacted Pinnacle directly they told me to contact XXXX. When I contacted XXXX they were rude and refused to give me any information or send me any information. I have continuously contacted all XXXX credit bureaus over and over again disputing this record and it still has not been removed or resolved.
Consumer complaint received 2016-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (TX)

I am not sure where to start on this matter because I am highly upset with ACS education to the point where I have filed formal complaints with several institutions ( XXXX, U.S. Department of Education, etc .... ). 

I have been diligently working since XX/XX/XXXX, trying to work with ACS in regards to the XXXX students loans. I recently consolidated my loans with the Department of Education/Nelnet in XXXX XXXX. I have had a great experience with them in the past, so I wanted to include my XXXX ACS loans in the consolidation. Long story short, XXXX has sent over a number of XXXX to ACS only to receive several different responses : There is a XXXX balance ; we do not have the loans ; We no longer have the loans because they are in the process of being transferred to NSLP ; we have the loans, but they are unable to be included in the consolidation because they are " Temporarily Uninsured ''. That was information that was sent back to XXXX in regards to the XXXX. I was told by ACS education that the XXXX were NEVER received, so XXXX was sent manually. I have been given so many different stories. 

I decided to open up a case with the Office of Ombudsman in which they have been trying to get in contact with you in order to get this squared away. In addition, XXXX sent another XXXX out to ACS. Since you were out of the office last week, I decided to call XXXX XXXX in regards to a deferment to my loans since I was in school. He flat out told me that there was nothing I could do because of the status of the loans. Then he rudely suggested that I needed to wait to on you to get back in the office and flat out hung up in my face. Luckily, I have started to record all of my conversation with you all so that I can submit this with my case. 

The issue I am having is ACS is steadily reporting to the credit bureaus when it has been confirmed by the Office of Ombudsman that if they loans are " Temporarily Uninsured ''. The National Student Loan Database shows that the loans were in that status effective XXXX XXXX, XXXX which means that the late payments should come off of my credit reports across XXXX, XXXX and XXXX. On the other hand, the Grantor advised that the loans were in good standing based off of what ACS has been providing National Student Loan Program ( NSLP ). If that is the case that my loans are in good standing, there should be no problem will releasing my loans to XXXX. 

This is truly my last attempt in trying to get the late payments removed from my credit reports from all XXXX credit bureaus and to have those loans released to Department of Education/XXXX.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

I am being foreclosed on by Caliber Home Loans on XXXX XXXX, 2016. I am requesting information regarding my mortgage because i know that their are errors due to fraud, forgery, improper securitization, falsified assignments, robo-signing, predatory lending and many other defects. I have been asking for information for years. I also received confirmation from the federal foreclosure review that their were frauds and predatory lending for my mortgage. The original servicer XXXX is guilty of the same stated issues and when I have requested information because of the errors, I have been given the wrong/fradulent accounting. I requested a securitization audit for my sub prime adjustable rate mortgage and have been given inaccurate information. XXXX transferred their servicing to Caliber and Caliber tells me they know nothing about the defects, frauds, failed assignments, improper securitization etc. My mortgage was transferred to caliber with accounting errors, interest errors, and other defects. I paid XXXX of dollars to this mortgage and arrearages in a federal bankruptcy and those dollars paid in bankruptcy towards my subprime mortgage have not been properly applied. The fees and arrearages just kept increasing. I contend I am being foreclosed on and the mortgage amount has errors / is inaccurate.
Consumer complaint received 2017-01-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX, written correspondence was mailed to Navient Solutions , Inc. in order to establish a request to lower the monthly payment under the account in question ( see file ). The contents of this letter signify the client 's inability to proceed with the current monthly payment of {$340.00} due to financial hardship and loss of income, effective as of XX/XX/XXXX. 

Further specification requested that Navient Solutions , Inc. respond with written correspondence within 30 days of the letter 's date of receipt. However, no response has been carried out by Navient Solutions , Inc. as of XX/XX/XXXX ( Note : including all forms of communication as per a business-clientele relationship ). Failure to respond within the allotted time frame has resulted in an unresolved financial issue, officially pending as of the date of this entry and until Navient Solutions , Inc. has complied with the written correspondence.
Consumer complaint received 2017-01-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (TX)

I have not received any validation documentation from COMMONWEALTH FINANCIAL SYSTEMS. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (NM)

I have notified Wells Fargo New Mexico, N.A. in writing three times that the replacement chip credit card it sent me was never received. I did not request the card, but WF will not take action to replace the missing card without forcing me to endure endless telephone conversations followed by sales pitches I do not have time for. 

I have spent time on the phone with WF verifying my identity and correctly answering security questions, but WF still will not 1 ) acknowledge my report of the missing card ; and 2 ) commit to replacing the card without requiring me to endure more endless telephone calls and sales pitches. 

Please instruct Wells Fargo to send a new card and stop requiring me to use antiquated, inefficient voice telephone systems to resolve a problem which I did not cause. 

Thank you.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM SIMPLY RESPONDING BACK TO TRANSUNION IN REGARDS TO MY DISPUTES. PLEASE FORWARD THIS COMPLAINT TO THEM ON MY BEHALF. THANK YOU. 

I am very distressed that Transunion has included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 

AS YOU TRANSUNION ARE ALSO IN FACT NO DOUBT AWARE THAT YOU ARE KNOWLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS INFORMATION AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. THIS IS A CLEAR CASE OF INVALIDATE DEBT HERE AND I AM NOW DEMANDING THAT TRANSUNION PROVIDED ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THESE ALLEGED CREDITOR 'S HAVE PROVIDED TO YOU ON MY BEHALF THAT WOULD SHOW THAT THESE ALLEGED INVALIDATE, INACCURATE, DISPUTED ACCOUNTS INFORMATION IS ACCURATE! AS I WOULD PERFER NOT TO LITIGATE I WILL FILE MY LAWSUIT AGAINST TRANSUNION FOR KNOWLY AND DIRECTLY VIOLATING THE LAWS. 

THE FOLLOWING INVALIDATE INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I HAVE REQUEST THAT THESE ALLEGED CREDITOR 'S VALIDATE THESE ALLEGED ACCOUNTS INFORMATION WITH ME! AND THEY HAVE LEGALLY FAILED TO VALIDATE THESE ACCOUNTS INFORMATION WITH ME IN THE TIME FRAME ALLOWED TO THEM BY LAW! AS THEY ARE ALSO IN FACT NO DOUBT AWARE THAT THEY ARE ALSO IN DIRECT VIOLATION OF THE LAWS BY CONTINUING TO REPORT THESE ACCOUNTS AS ACCUARTE WHEN IN FACT THEY HAVE PROVIDED NO PROOF! 

THE FOLLOWING INVALIDATE ACCOUNTS SHOULD NO LONGER BE ASSOCIATED WITH MY TRANSUNION CREDIT REPORT : XXXX XXXX XXXX # XXXX XXXX # XXXX I HAVE DISPUTED THESE ALLEGED ACCOUNTS, WITH TRANSUNION AND YOU ARE VIOLATING THE LAWS BE CONTINUING TO REPORT THESE INVALIDATED ACCOUNTS ON MY PERSONAL CREDIT REPORT!