davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX XXXX. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXXXXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted XXXX XXXXXXXX and they have confirmed that I XXXX XXXX XXXX have never had an account with them and XXXX XXXX does not know why PORTFOLIO RECOVERY ASSOCIATES LLC IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED PORTFOLIO RECOVERY AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT PORTFOLIO RECOVERY ASSOCIATES DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A VISA CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW  IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.
Consumer complaint received 2016-05-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NC)

I am the XXXX for XXXX. We had a property owner who lost their property in foreclosure to U.S. Bank Home Mortgage in XXXX XXXX, XXXX. This property is located at XXXX XXXX XXXX, XXXX NC XXXX. I wrote U.S. Bank Home Mortgage regarding this property on XXXX XXXX, XXXX. I have attached this letter and also a copy of the Deed of Trust and a current statement of what is owed to XXXX XXXX XXXX. The XXXX dues/assessments was prorated and U.S. Bank Home Mortgage was only billed from the date they took the property back. I gave the bank until XXXX XXXX, XXXX to pay the XXXX dues/assessments without a late charge. They have not paid that amount, nor have they paid the XXXX dues/assessments that was due by XXXX XXXX, XXXX.
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (NY)

I was contacted at work twice about a debt with Barclay Bank by their collection agency XXXX. I was told i had a debt of {$3600.00} which was {$840.00} over my credit limit. The account had been charged off but I only had a maximum delinquency of 120 days as reported by XXXX, but on XXXX it was reported delinquency for more than 180 days. These are inaccurate reporting. XXXX debt collector came to a settlement with me which I paid I was assured by the collector the account would be removed upon settlement, but after further contact they would just add a note on my report that it was paid, and would not be deleted this is misleading and violation of debt collection act. I later find out the original charge off was {$2800.00} as reported by the credit reporting bureaus. So i was lied to about the charge off amount when i requested validation I just received a paper with a balance on it and no account of the debt. That is not proper validation as required by the law, Their are too many inaccuracies i just want your company to delete the account of my credit report I have settled and made my payments. You can not mislead the consumers and have inaccurate reporting. On XXXX the charge off is still {$3600.00} updated charge off are not the same. Even with updated charge off my account should be settled and deleted like the collection agent said over the phone.
Consumer complaint received 2018-04-23
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: Investment Retrievers, Inc. (TX)

I have tried to contact the company regarding the complaint to no avail. I am disputing both the validity the time and the debt itself. The debtes not mine but a family members and 8 years ago
Consumer complaint received 2018-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

I had bough a car on XX/XX/XXXX, at 16 % interest, at that time because my credit was just good. Bank had denied me refinance or fix my higher interes 16.00 % on a used car XXXX XXXX XXXX XXXX, when I got this loan, bank offer me to refinance in 6 or 12 months after the purchase to lower the interes 16 %. I did it, and they denied it twice on XX/XX/XXXX, and XX/XX/XXXX. And  over that, had been requesting refund for all of the insurance money they had been charging me by ADDING AN Insurance that my car didnt need it, and they did it with out my concent to it. I had been trying to call Several times but they keep me on the phone skipping me from one to other person transferring to wrong depar till they hand up or some times they make false promises telling me they will fix the problem and they will contact me. But they never had done it till now. they had been making me pay for car colisin insurance, since XX/XX/XXXX till todays date. However, my loan is still almost same amount that I refinance since I got the car, I had revising the statement and they all have changes on quantity. Also, on XX/XX/XXXX they close my 401k account because they said it finish by itself. Please need an investigation now with all these issues on this car loan.
Consumer complaint received 2018-04-22
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 (PA)

Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a  Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt.

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (PA)

I filed a Chapter XXXX bk on XX/XX/2017 on Harley Davidson Financial. I contacted this company and filed several disputes in the past with no satisfaction. They are still reporting me on the credit bureau as the account as open, which is incorrect- ( Following comments in taken from XXXX credit report via XXXX XXXX ) -- -- -.Current Payment Status On Payment Plan Worst Payment Status No Info Account Details Account status Open Since this account is included in a confirmed Chapter XXXX-I want these connotations removed by Harley Davidson
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

In XX/XX/XXXX, I received a notification from the credit bureau that my credit line on my XXXX XXXX card decreased from {$460.00} to {$240.00}. This is the second time my credit line decrease without me being notified by the store. I have noticed a pattern in their activity. Whenever I pay my bill down they subsequently reduce the credit line to the new balance as if they at gradually trying to close my account. Im ni sire why. My credit score is higher now then it was when I initially got approved. My male counterpart is a XXXX male we started out with the same credit line- he pays just as I do because I pay the bills and there has been no change in his credit line. Also they never send notifications as to why- when I call they read me the statement but somehow the physical letter never reached my home address. Of the typical price range of products is $ 60-200, what are they conveying my purchase power is only to buy one item based on demographics, race, age etc? I want to know why and I do not want a generalized answer because that will not suffice.
Consumer complaint received 2018-10-15
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: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX & XX/XX/XXXX, i called Santander consumer to explain to that I went through multiple family deaths within this year and last year & have been unable to pay my bills on time, I wanted to see if I was able to get a goodwill adjustment and what I was told NO they can not and will not do any adjustments and they dont like to keep received emails asking.I informed they that I was really sorry and will most def pay on time for the remaining time on this contract with them she didnt want to hear what I had to say. I informed her I was contacting CFPB & she said it didnt matter nothing would change. Please Help.
Consumer complaint received 2018-04-22
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Onity Group Inc. (TX)

Ocwen Loan violated my right to privacy. Despite giving them instructions not to discuss my account with anyone when I was late in paying in XX/XX/2018 they sent a delinquent notice of default to my tenants. My tenant caslled asking if I was going through financial difficulties. It was embrassing and a violation. My older son is going through a medical situation I am him with financially.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account XXXX .... 
Date of charge-off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 12 U.S.C. 1681 e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the reporting of this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2018-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I inserted a complaint here on XX/XX/XXXX. I received a response via your website and responded I have yet to hear from CFPB or Portfolio. have contacted Portfolio several times via mail over the past 90 days, after inserting a compliant with CFPB they sent me two letters one XX/XX/XXXX and the other XX/XX/XXXX simply stating the debt. Portfolio also mentioned in their letter they tried to contact me via phone. I have not given them my phone number and based on the year they obtained the account their company would not have had my phone number. I will only commuicate with them in writing. I requested proof of the debt in every letter sent i.e.

copies of signed agreements for original creditor & complete accounting of debt to assure accuracy.

I have received NONE of those items however Portfolio insist their simple letter is proof enough when the FDCA 809 ( a4 ) states the debt collector will OBTAIN verification of the debt and a copy of such verification will be mailed to the consumer. They did not do this although I specifically asked for what I needed to move forward with this account. 
I HAVE ATTACHED BELOW THE FIRST AND ONLY RESPONSE I RECEIVED FROM PORTFOLIO
Consumer complaint received 2018-04-23
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. (FL)

XXXX XXXX XXXX XXXX XXXX had me sign a permission for Credit Reporting Agreement, giving them my signed permission to report my modified mortgage loan to the credit reporting agencies. I returned the signed document to XXXX XXXX via US Mail on XX/XX/2018. I received notification from Equifax, XXXX and XXXX that XXXX XXXX was reporting correctly and the information on my reports will remain unchanged. I have a copy of the credit reporting agreement that was sent to me by XXXX XXXX, to show that I signed the document in the presence of a notary. XXXX XXXX has not returned the signed copy back to me nor have they reported the current mortgage to the credit reporting agencies.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (FL)

I am writing regarding the above-referenced account, which you acquired from XXXX XXXX XXXX XXXX XXXX I demand the immediate deletion of this account from all consumer reporting agencies. Additionally, I am seeking a settlement amount of {$3000.00} for the harm caused by inaccurate and potentially unlawful reporting practices associated with this account. 

Please be advised that XXXX XXXX XXXX XXXX XXXX  arbitration agreement applies to this matter, given that you acquired the debt from them. As a result, I am prepared to initiate arbitration proceedings to resolve this issue if we can not come to a satisfactory settlement. I believe a fair and swift resolution is in the best interest of both parties. 

This communication is an attempt to settle this matter amicably and efficiently. I request your prompt attention to this demand. If you agree to delete the account from all consumer reporting agencies and provide the requested settlement of {$3000.00}, I am willing to consider this matter fully resolved. 

Please respond in writing within 30 days to confirm your agreement to these terms. If I do not receive a satisfactory response within this timeframe, I will proceed with all available legal and arbitration options to enforce my rights under applicable consumer protection laws.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In XX/XX/XXXX, I started contacting home owner 's insurance companies for quotes because I wanted to change insurance companies. My premium was set to auto-pay from my escrow account in XXXX. With all of the hurricane fiasco, the insurance companies were slow at quoting and by the time I got the quotes, my premium had already been deducted from my escrow account from the existing insurance company. So I never signed any new insurance paperwork and told the new company that I would wait until next year. 
In XXXX, my mortgage company mailed me an Escrow Account History. It shows they paid out funds from my escrow account to 2 home owner 's insurance policies. I contacted them immediately and told them I never authorized payment to the second company and that money needed to be put back into my escrow account. I was promised it would be refunded into my account. I asked for an updated Escrow transaction history to show that it had been refunded. 
In XXXX I called again asking for the same information. I received a notice of a shortage on my Escrow account stating that my payment amount would increase due to the shortage. I again asked that they correct the mistake and refund my money and send me a corrected analysis. 
In XXXX I got a notice for the new payment amount but still no correction. I called again and was told that they reviewed the account and found no errors so they weren't sending a new analysis. I again requested the information and the correction. I asked for a supervisor but was told no one was available to answer my call. 
Last week- XX/XX/XXXX, I called again and spoke to XXXX and explained the situation. She told me that she would order a new analysis and it should be available after the XX/XX/XXXX and I could call back after that and ask for it to be mailed to me. I asked why they couldn't just mail it. She said she had no way to do that. 
I can't get the mortgage company to correct this issue and refund the money to my Escrow Account. The mortgage company is a servicing company that is a subsidiary of XXXX XXXX. The name of that company is Specialized Loan Servicing. Their contact information is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CO XXXX Their mailing address is : SLS XXXX. XXXX XXXX, CO XXXX Their phone # is:XXXX
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (TX)

XXXX XXXX XXXX XXXX ( XXXX XXXX ) provided misinformation on Cash to Close amount needed. The amount disclosed to Buyer, prior to closing, ranged from approximately {$4000.00} to {$6000.00}. 
XXXX sent Buyer a Closing Disclosure on XX/XX/XXXX, just three days before Closing, which showed Cash to Close {$5100.00}. However, 45 minutes after Closing had commenced, Buyer was notified that {$22000.00} would be needed to Close on the Property. Cash to Close cost of {$22000.00} was never discussed nor disclosed to the Buyer at any time leading up to Closing. 

- The Buyer inquired numerous times, by phone call and through electronic correspondence, to the amount that would be needed to Close on the XXXX property. XXXX XXXX email dated XX/XX/XXXX estimated Closing Cost at {$4900.00}. XXXX XXXX and XXXX XXXX forwarded documents that reassured Buyer that Closing Cost would be affordable and in Buyers affordability range. 
- XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$6400.00} - XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX   Estimated Cash to Close : {$4900.00} - XX/XX/XXXX ( 3 Days prior to Closing ) Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$5100.00} - XX/XX/XXXX ( Day of Closing + 45 minutes into Closing ) Buyer received Final Closing Disclosure from XXXX XXXX XXXX Estimated Cash to Close : {$22000.00}.
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XX/XX/2017- On this date, I was going to go forward with paying my two credit cards down to a XXXX balance. I had just opened a new bank account and apparently had a couple numbers incorrect when paying the balances. I attempted to make the payment once and received and error that stated for me to try again. The error did not state what was wrong, so I resubmitted the payment. A few days after doing so, I noticed that both of my cards were frozen from use. I then called Capital One to find out what was going on and they stated that I had 2 returned payments and that it violated the terms of use. After the first return payment, I was not notified at all except to resubmit the payment. It wasnt until about a week later that I received a letter in the mail stating that my account had been closed due to a violation of the terms of use and that the company does not allow more than 1 returned payment. I attempted to explain the situation to a rep with Capital One on more than one occasion, but they did not offer any assistance with the matter and simply told me that I still owed the balance and the account will remain closed. If I wanted to apply for a new one, I could. However, I would not want to open a new account with a company that did not communicate the issue with me prior to closing my account for good. Therefore, I told the latest rep that I am no longer liable for the balances and would like them removed from my credit report. They refused and stated that the " Account Closed '' status did not bar me from being liable for the account. I do not agree. Ever since this situation began, my credit report now shows multiple missed/late payments and this is affecting my credit score very badly. There are far too many issues that i have with the way the situation was handled and addressed. If the situation had been handled in a decent manner, I would have corrected my error and paid my cards off in full and continued to use them. I have had the account for several years without a single missed payment, late payment, or any returned payments. This was not taken into consideration prior to closing the account. 

In addition, XXXX XXXX XXXXXXXX supposedly worked very hard to investigate my issue. After a couple weeks went by, I hadnt heard back. It wasnt until I called them and was told that my case was actually being closed that day and that nothing would change. Yet again, no reasoning given. I am so disappointed in this company and never plan on working with them again.