davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (IL)

I had a loan with this company for about {$2000.00} now i went on short term with my job and didn't get paid called the company explained why i couldn't make payment. The young lady stated there was nothing i could do if i couldn't make payment. Months later i called back when i was able to make and set up forms of payment they stated if i couldn't make full amount of payment they couldn't except payment at all. i then stated i cant pay full amount but partial. Now they told me they sent account to attorney and then the sheriff came to my house serve me with someone else information and had a sticker on back pages with my information. I then showed up to court the attorney tried to attempt to make me give her the paper because they realize they serve wrong person than she stated if i disputed and wanted to see a judge the would charge me additional fees and they still charged me serving fee but truly was serving someone else, so not only do i have some one else info they want me to pay those fees and not dispute them to resubmit my actual information, the lawyer called her office hand wrote everything and ask could she email me because i didn't have my original loan documents she then stated i now owe about 4500 dollars. i then tried to work with her and explained after trying to catch up with everything from not getting paid i can pay XXXX dollars a month no more than XXXX a month, she stated i would need to pay amount below, i also added her information and what she stated. I really dont know what to do but i have arrangements with other companies after they knowingly understood my dilemma. Im upset that i have to pay all the fees and loan with no arrangement and still be a single mom and live. Now they are emailing and calling me saying they will garnish my bank account for 20 years and my check and so on. Im very afraid and dont want to be homeless or behind over 4500 dollars. 

Good afternoon XXXX, Unfortunately, that payment arrangement is too low. I can only set up a payment arrangement for 12 months at $ XXXX/month. In the alternative if youd like to offer a lump sum settlement for less than the full amount owed to be paid in 30 days, youre welcome to do that and I will bring it back to my client for consideration. 

Thanks, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX. ( XXXX ) XXXX Fax. ( XXXX ) XXXX Email mailto : XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX I agreed to a repayment plan for 6 months from XX/XX/XXXX to XX/XX/XXXX in the amount of XXXX per month. I successfully completed all 6 payments as defined in the payment schedule and should be current on my mortgage. Chase mortgage is stating that Im still behind 2 months on my mortgage payments which isnt correct. I have supporting documents to prove the payment plan agreement and proof of payments I made via bank statements.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This company continues to report inaccurate information to the three credit Bureaus and are reaging accounts. It is against the reporting requirements of the FCRA, Section 623. I have disputed this information several times, contacted the headquarters and requested the this information be corrected and deleted from my credit file, yet they refuse. After further research, I have questioned the validity of this account and all the inaccuracies in reporting. I have attached copies of my credit report that show the following inaccuracies : -On XXXX  there is no account number, no payment history, no original creditor info, just a balance of {$170.00} -States Delinquency first reported as XX/XX/2018. Account was reaged as this has been on my report for years -Reported as open on XXXX , closed on XXXX  . 

In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements plus the IP address if it was online, and total outstanding balance you believe I owe or remove this account from my reports. My next steps will be a complaint to the Attorney General as well as my lawyer as this has affected my score for some time.
Consumer complaint received 2018-07-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC (FL)

When I started the process things started off great, but as the process continued the communication was inconsistent with Equity Prime Mortgage. I would submit paperwork in a timely fashion and would not get a reaponse back or they would say they never received certain paperwork then they would search for it and say it was mixed up with other paperwork. We were suppose to close on the XX/XX/2018 and I did a final walk thru with the builder and heard nothing from Equity Prime until I showed up to the title office to sign the paperwork were the title officer informed me to call Equity Prime. Then I was told I needed more paperwork. At this time I already hired movers and gave my former landlord the date I was leaving XXXX XXXX to XXXX. With this whole miscomunication my family is stuck in a hotel for a week because now I have to delay delivery of my furniture to find a back up or rental property. This has caused unnecessary stress to my kids and my XXXX  wife.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America charged placed two charges on my account for overdraft fees, {$35.00} each the posted date is XX/XX/18. Yesterday morning I received notification that my available balance was below {$25.00}, subsequently I deposited {$540.00} in cash at XXXX. This deposit posted to the account immediately as it was cash, and before the XXXX cut-off for same day posting. This morning, XX/XX/18, I called customer service and spoke with XXXX after noticing I was charged two overdrafts fees that caused my account balance to become negative. XXXX maintained that I was being charged the overdraft fees for items that posted to my account yesterday, however, my deposit posted yesterday was well. Which would have kept my account from being negative at the end of the bank 's business day, the point at which overdraft fees are charged. One overdraft fees was refunded, but the other is still on my account despite my account never posting in a negative status.
Consumer complaint received 2018-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I have unauthorized transactions on my bank account that was made through PayPal, while I was away my PayPal account have been hacked with someone making unauthorized transactions to different merchants. This was reported to my bank and PayPal on about XX/XX/XXXX transactions from five different merchants have been ordered however I never got merchandise or was any merchandise left at my home front. No one signed for any packages that was delivered to my house so I told PayPal about my account they opened claimed and sent to me tracking from the merchant but no signature just said delivered left on steps. However no one was home my neighbor kids said they didnt see anything items my regular mail was still in my mailbox but no packages were there. If I didnt sign for no delivery Im not responsible for the items.
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (CA)

Additionally, I noted that my credit report is adversely reflecting the following accounts : FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : CAVALRY PORTFOLIO SPV : # XXXX**** I LLC AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX XXXX

Defendant : XXXX XXXX XXXX   AKA XXXX XXXX Attorney for Plaintiff : XXXX XXXX XXXX  

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX, IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX   CERTIFICATEOF MAILING FILED.XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUMMONS ISSUED.

XX/XX/XXXX SUMMONS FILED.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

There are 2 outstanding bills from XX/XX/XXXX for XXXX XXXX XXXX which just got reported on my credit in XXXX XXXX.. I asked them to send me a copy of each bill so they did. I have never seen this bill until now ( 6 years later ), it is too late to file a claim on my insurance. I asked them why they did not handle this 6 years ago but of course no one knew the answer.
Consumer complaint received 2018-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

I have a XXXXXXXX XXXX credit card. I have fallen on hard times do to XXXX XXXX XXXX. XXXXXXXX XXXX actually breached my information by calling and harrassing a girl I work with who's name is literally 1 letter different than mine. Obviously our dates of birth were different. I am extremely upset over this situation and the collectors are very rude and are harrassing my mom as well as calling from 15 different phone numbers several times daily.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I called Experian on several occasions because i noticed unauthorized hard inquires on my credit report for random creditors and sources. 

Experian refused to allow me to dispute any of them, i was told i can not dispute hard inquires with experian by customer service and management and was told although i did not make them i will need to wait 2 years until they fall off. 

Experian has been mixing my credit report with someone else, they had my name spelled wrong in about 5 different variation and added other peoples address on my report, places i never lived or even heard of.
Consumer complaint received 2018-07-06
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: Experian Information Solutions Inc. (IL)

XXXX XXXX listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Tonight I looked a my credit card balance that I knew was to high. It is my XXXX  with Capital One ending in XXXX. On XX/XX/2018 I purchased an an alarm system with XXXX, however, it was not a good fit so I canceled the account. I had already paid my Capital One card and had a XXXX balance, so when XXXX refunded me it showed on my card as a XXXX  credit. I contacted the card company and they issued me a refund check. They show on my XX/XX/XXXX statement billing cycle shows as XX/XX/XXXX - XX/XX/XXXX that I was credited back from XXXX  on XX/XX/XXXX and then they turn around and charge me the same amount that reads credit balance refund of XX/XX/XXXX, I called the company and got a representative that attempted to explain something that is unexplainable. I told the associated I made the purchase in XX/XX/XXXX I received my refund check because at the time I had a XXXX  balance with Capital One, how is it possible that you all then placed back on the account as a charge. She could not make nonsense make sense so I asked to speak with a supervisor. The rep that got on the line was XXXX. He attempted to do the same thing, I told XXXX if he looked at my history he would see that there was a charge in XX/XX/XXXX, I had a XXXX balance and they sent me a refund check on XX/XX/XXXX but on XX/XX/XXXX I show they put it back on my card as a charge although I had paid the card off and that is why a credit balance was sitting on my account in the first place. XXXX kept attempt to explain it away as well as though it was right but it is not. I asked to speak with his superior he stated there was no one over him. I told him everyone has a superior unless they are the owner of the company and he stated there was no one over him. I did inform him I would be reporting them to the Federal Trade Commision and the XXXX. He refused to give me the corporate number stating it was the same customer service number I had phoned, he refused to give me the address that I could send a letter of complaint.
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Have made Several payment settlement XXXX XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and XXXX and acct with XXXX XXXX for XXXX XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX  of XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has been on my credit file for 10-20 years, maybe longer. I have no idea what they want besides stealing of ones identity for personal gain. Theyre fraudulent companies that keeps harassing years n years. They have copied previous mail resending items to me, stolen my priority emails, hacked n sent viruses to number of my cellphones as they ruined them. Using an dynamic dialing system harassing n committing insurance fraud, they have contacted with social security administration. Violating my records in file n my rights. Stole my identity online and offline. Changing my Department of Motor vehicle records to unknown addresses. Stealing my domestic mail, n bank cards & checks out of my mail boxes. Having others Harassing me day n night, in person n over internet. They call about student loans I dont owe, they say theyre government officials. They call acting as government officials, saying Im gon na be deported when Im USA citizen born n raise in California. Theyre coming around committing vandalism to my property n property I live at is ongoing. These people continue to cost me money, causing all kinds of horrible harassment.