davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery is trying to sue me and using illegal tactics and false representations. Case number XXXX in Maryland XXXX XXXX XXXX  XXXX XXXX. They claimed I was evading service and were granted a motion for XXXX XXXX on XX/XX/XXXX. I was not evading anything. Then on XX/XX/XXXX requested a summos renewal after it expired because they failed to even try to serve alternatively. Then on XX/XX/XXXX they claim I signed the service and they filed with the court which was completely untrue. Portfolio Recovery calls me all the time from strange different phone numbers. 

I found out the CFPB took action against Portfolio Recovery in XX/XX/XXXX for violating practices and illegal debt collections. Although my court case is still open I have been a victim of these unfair practices and want to hold them accountable. Why on earth would I allegedly " evade '' service for 3 years then randomly " sign off '' on the service? I was home that day and no one ever came or dropped anything off, they literally forged my signature and swore under oath it was valid.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Revenue Recovery, LLC (TX)

XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX contact Actions revenue recovery On the date of XX/XX/XXXX I seen this post on my credit years later I called credit company and they state they dont know where is came from but that its. XXXX reading I request to send me a copy of the bill and they stated they couldnt help me because they didnt know exactly where this bill was coming from if it was a XXXX XXXX or XXXX or XXXX wasnt very help full all they cared about was my money because they couldnt give me a explanation of why this was posting many years later
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (WI)

On XX/XX/XXXX I purchased from indepth engraving in the amount of {$2600.00}. I entered into negotiations with the owner of the company XXXX XXXX, XXXX XXXX ) after agreeing the individual sent me a invoice through his company via XXXX account. The individual stated that the order will be coming from XXXX so he wouldn't expect product for 6 to 8 weeks later. After some time past I made contact and the individual notified me that he had issues with the factory in XXXX and that he had to use another factory. Some time after he notified me that the color that I ordered was wrong and that they had to redo the batch of color again to get it right. The individual then sent me a picture of the correct color and I approved which would be shipped out asap and that he should expect it by boat from XXXX around late XXXX or early XXXX. I then contacted him XX/XX/XXXX with no response then XX/XX/XXXX with this response... " Sorry I work night shift. I sleep during the day. Im closing the business, I have gone bankrupt due to shipments getting lost, call your bank and file a chargeback dispute. XXXX has frozen everything so I cant issue refunds. ". I immediately filed a dispute with my XXXX credit card ( XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX. XX/XX/XXXX I received a email stating that my request is acknowledged but they need some time to investigate. When I made my dispute they requested that I send the original invoice and the XXXX chat that showed the individual stating that I need to file a dispute with my credit card company. XX/XX/XXXX I received another response back stating that they were not going to investigate my dispute because the purchase was made more then 120 days ago. I immediately responded to the email stating that no investigation was even conducted because of the 120 days and that I was appealing this discion. I received no response back so I called them today XX/XX/XXXX ( after the weekend ), the response I was give on the phone was the same thing past 120 days good luck next time. I explained that end of XXXX early XXXX was my expected shipment arrival but they did not want to hear about it. I have consulted with a lawyer and was told to file civil litigation against XXXXXXXX XXXX XXXX XXXX but before having to go through that I was hoping that you may help me to get them to understand that I'm protected under the fair credit billing act through the federal government.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (CA)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NV)

NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX

ADDRESSES: need old addresses removed: XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYER:  Remove XXXX XXXXXXXX XXXX  and add Current Employer: XXXX XXXX
Consumer complaint received 2023-10-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (MD)

My daughter sent me {$10.00} from her Chime account. When I received the money the advertisement showed, Join Chime today and get an extra {$15.00} automatically added to your Chime Checking Account. I joined XXXX XX/XX/2023, but I never received the {$15.00}. I called a couple days later and spoke with a representative that said I would receive the funds the following week. I never received it. I called today and was given the complete runaround and was laughed at because I was inquiring about {$15.00}.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mobiloans, LLC (FL)

XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : XXXX XXXX XXXX account # XXXX, XXXX XXXX # XXXX and Mobiloans # XXXX. Unfortunately, I havent checked on my credit in Years. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter.

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX report in the mail yesterday.

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some point. I have never applied for a XXXX XXXX, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with Mobiloans. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have received correspondence from XXXX XXXX advising me that the bankruptcy they were reporting on my credit profile will be deleted and should not be reporting on my credit data Transunion is still reporting this inaccurate bankruptcy about me
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a collection that isn't mine that I didn't agree to pay and experian didn't give me any information on it other than that they wouldn't remove it. I only have one collections. My score dropped almost 100 points over ~ {$300.00} fake charge against me.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NH)

On XX/XX/XXXX we submitted an application for the HAF. On XX/XX/XXXX HAF reached out to our mortgage servicer requesting the balance needed for HAF to submit a payment for us. SLS has confirmed receipt of that request. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX we have reached out to SLS asking for the information to be sent. SLS claims they have 1 person in that department and " it takes time ''. As of today, the request for proof of the payments owed has been waiting for over 90 days. On XX/XX/XXXX a supervisor said it would be sent in 2 days. As of today there is no update from SLS.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

Without any notice or warning, on XX/XX/XXXX, Barclays closed both of my wife 's credit cards ( XXXX XXXX and XXXX  ) and all three of my credit cards ( XXXX XXXX, XXXX  and XXXX XXXX ). We only found out when I tried to make a {$0.00} purchase at XXXX, which was repeatedly rejected to my embarrassment. Only by logging onto my wife 's and my online account, did I discover the account closures. I promptly called Barclays customer service and was politely and apologetically told by the customer service agent that the accounts were closed due to our account usage, and that a letter would be forthcoming, but that the decision was irreversible and nothing could be done. 

By way of background, with respect to the XXXX XXXX cards, my wife had paid an annual fee of {$99.00} on XX/XX/XXXX, and I had paid an annual fee of {$99.00} on XX/XX/XXXX. With respect to the XXXX cards, my wife had paid an annual fee of {$89.00} on XX/XX/XXXX, and I had paid an annual fee of {$89.00} on XX/XX/XXXX, in each case, just 11 days before closing our accounts!. Finally, with respect to the XXXX XXXX card, Barclays cancelled all XXXX of my rewards points. My wife and I had been saving these points to use, in part, for a free cruise for our 25th wedding anniversary in XXXX XXXX. The redemption value for these points is up to {$0.00} per point, valuing these points at {$16000.00}. My wife and had not previously used these points as we were waiting to redeem these rewards against the more expensive cruises to get the maximum redemption value. We were not interested in redeeming for less than {$0.00} per point. 

My wife and I had Barclays cards for nearly 10 years. Most of the XXXX XXXX points had been accumulated over the past 2 to 3 years. During such time, Barclays increased the credit limits on many of our cards, encouraging us to spend more, and Barclays made a tremendous amount of transaction fees with respect to our spending transactions. Due to the account closures, Barclays had been unjustly enriched by ( i ) retaining our annual fees and ( ii ) by  cancelling our XXXX XXXX points and depriving us the ability to redeem them for {$16000.00} in credit towards XXXX XXXX cruises. It is unjust and unreasonable for Barclays to permit us to use its cards, thereby generating substantial transaction fees, only to cancel our rewards point before we could redeem them.
Consumer complaint received 2023-07-24
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. (TX)

I have disputed several times thru credit bureaus to remove XXXX XXXX as it is fraud, I did not open this account and have filed Identify Theft Report. The bureaus reported back that the merchant stated it was accurate. 
I have contacted XXXX XXXX, at great difficulty as the calls go to the XXXX call center, and the only option is for the person to escalate the call and someone will contact you. An email was received from this procedure and I followed their procedures, ie email and sent the fraud report. Not successful in replying to email by called as you then get the same run around. I have sent certified letters requesting XXXX to furnish me the documentation used to open this account as required by law, and a form letter dated XXXX was all that I received saying the account is valid. 
I am told this company is termed a " XXXX XXXX Account ''. My XXXXredit score runs in high XXXX 's to XXXX, I don't need a credit builder account but I cant get thru to the proper people to remove the account and it is now showing past due and can affect my score. 
The account was opened in XX/XX/2023 and I first was made aware XX/XX/2023 report. 
Please see all my attached documentation.
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Purchased a home on XXXX XXXX with XXXX XXXX the mortgagee, loan was sold to XXXX XXXX in XX/XX/XXXX. Original amount XXXX and change was original note. In XX/XX/XXXX, Mortgage payment increases to XXXX with no explanation for increase. Upon investigating and many hours of phone calls it was discovered that insurance company ( XXXX XXXX ) double billed mortgagee and they paid it without checking that it was already paid., instead they penalize the mortgagor. Bottom line is mortgagee is so big the left hand doesn't know what right hand is doing, and they fail to admit their mistake. The mortgagee also wouldn't accept original payment amount, they called it a short payment, all documents have already been sent to mortgagee
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Palisades Funding Corporation (NY)

The Bank ( Palisades Funding Corp ) reposes my car without prior notification and this Bank owns a Car dealership ( XXXX XXXX XXXX ) so they sold the vehicle on their lot and didn't inform me of any balance outstanding or owing to me. I have been trying since they reposes this car 4 months ago to get the License Plate so that I can return it to the DMV and no one can tell me where to collect it I am still paying Insurance on this car that I don't have because I can't return the plate.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (MI)

I have been a loyal customer of Gemini.com since XXXX to buy and sell cryptocurrencies. I have had no issues in the past. However, on XX/XX/XXXX I transferred XXXX bitcoin to Gemini.com to sell for USD. Immediately after the deposit, my account was frozen. I reached out to their customer service by email on XX/XX/XXXX as it's the only method of contact. I received a response asking to submit a photo of my face holding my identification. On XX/XX/XXXX, I received a reply by email confirming after a review, my account was unfrozen. I was able to login to my account. However, after attempting to withdraw my bitcoin, my account was again automatically frozen. I reached out to them again and they replied within an hour indicating my account was unfrozen once again. I logged in to my account and tried to withdraw again, and my account was frozen once again. I replied again also asking what I can do to prevent this from occurring again. They did not respond until XX/XX/XXXX, with a questions about my withdrawal in which I answered. That was the last time I heard from them. I have made attempts everyday to get in contact with them through other platforms such as XXXX and XXXX. However, they have ignored all communication with me. I have over {$30000.00} that they have locked up for no reason given. This has caused me great XXXX  and XXXX XXXX as this is my life savings. I am pleading for assistance. 

For reference : My Ticket ID with Gemini.com : XXXX
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

To Consumer Finance Protection Bureau This is not a duplicate complaint This is an additional complaint to Experian Company has taken more that 30 days, company claims sent documents Documents never received after XX/XX/XXXX as they claim Since XX/XX/XXXX as of Today 's date XX/XX/XXXX no information received as Experian claims that sent via US Postal Service .33 days have lapsed No information received from Experian, Experian has not provide company toll free number through CFPB portal Only their mail in address 1-Experian documentation never received as they claim 2-Experian did not provided their customer toll free number, as requested Making more difficult communications Please provide me with Experian toll free customer service phone number This matter is causing delay on behalf of the company Thank you XXXX XXXX
Consumer complaint received 2019-01-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I sent an insurance claim check to PennyMac in the amount of {$33000.00} ; they received and cashed on XX/XX/XXXX. I submitted all information they required with exception of contractor 's license and signed XXXX. The contractor has now backed out because of the length of time this is taking to get funds disbursed. 

I sent a written request to Pennymac on XX/XX/XXXX along with estimates for materials needed for the repairs. I need to go ahead get the materials ordered before they are no longer available. They advise it takes 2 days to process your request, so I called on XX/XX/XXXX to make sure they received the request and confirmed they did. I called back on XX/XX/XXXX to get an update on the request and was told they needed signed XXXX and license from contractor. I explained the request was to release funds to buy materials only, not pay contractor which was very well explained in my request. I was told they would put in the request that day, XX/XX/XXXX and would have an update for me no late than XX/XX/XXXX and would be good idea for me to call back because they probably would not contact me. 

I called back on XX/XX/XXXX and was told the request had to go to their " corporate '' office for review and it could take an additional 11 days for a decision and the request was submitted to corporate on that day, XX/XX/XXXX. I was told again to call back to check status next week.
Consumer complaint received 2023-07-24
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)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I tried to use my capital one quicksilver card last week and it wouldn't process. I called capital one and they said my account was closed which I had no knowledge of. They wouldn't give me any information as to why it was closed.
Consumer complaint received 2024-01-18
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: DISCOVER BANK (SC)

I received notice from my local city court that I am being sued by the company for a debt that I have previously already notified the company was created under false pretenses from identity theft. The company also has also continued to report this derogatory information on my consumer credit report after I submitted notice to them from FTC on XX/XX/year> in writing that I was a victim of identity theft. I also have notified and flagged all 3 credit reporting agencies that I was a victim of identity theft.