davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. These accounts were recently removed from my credit bureau, then placed on. STOP DOING ILLEGAL THINGS, SCAMMERS! This company purchased a debt that no longer exists. There are three accounts they acquired one from XXXX XXXX, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC (OR)

LOSS OF BUSINESS ACCOUNT TRANSPARENCY Access to Americor web portal is denied during an ongoing debt resolution ; i.e. the process is incomplete and I have absolutely no visibility.

a ) Upon informing Americor I decided to go a different route ( i.e. I am gathering documentation for XXXX  XXXX Bankruptcy ), Americor set access to the web portal denied. 

b ) For the IT informed, error code 1020. I documented with a screen shot.

c ) I am aware the dedicated account is not static. That is, Americor already informed me how they will continue to withdraw funds I have contributed. While this may be legally permissible, my assertion is a " LOSS OF BUSINESS ACCOUNT TRANSPARENCY ''
Consumer complaint received 2022-08-21
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: EQUIFAX, INC. (AZ)

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (AL)

Money Network XXXX XXXX sent me a stimulus prepaid card under the name XXXX XXXX My name is XXXX XXXX XXXX XXXX. 

You can not talk to anyone on the XXXX XXXX line its all prerecorded junk and then they hang up. I activated the card but I can't use it under this name. Really bad implementation. As a retired government employee, I am ashamed.
Consumer complaint received 2020-05-28
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

I had over 20k taken from my Chase account back in XX/XX/XXXX due to 3 fraudulent check ( s ) that were written and I was told that they would not reimburse me for the phony check. The check was not a check we wrote but was created and cashed by someone who had access to a previously written check and duplicated it. Even the check number was inaccurate. I am shocked that they are denying this claim as it is clearly check fraud. I need them to reimburse me for something that is clearly not our fault!
Consumer complaint received 2020-12-17
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. (NJ)

I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. its been over 30 days.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (DE)

I had planned to go to Georgia, from XX/XX/XXXX to XX/XX/XXXX. So I called today to the Hotel to cancel then to XXXX XXXX which whom I had booked my flight with. I was told it would be canceled but no refund back to my credit card. But instead I could obtain a credit for {$320.00} until XXXX. So I explained that I would not be traveling no time soon due to the ( covid19 ) issue explaining that I should obtain a full refund due to the pandemic. I was declined that opportunity so I decided to see exactly what could be done about this issue during this pandemic.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2020, synchrony banks closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with synchrony were in good standing and never late paid. Care credit limit XXXX with Balance of XXXX, carcare one limit of XXXX with balance of XXXX, value city limit XXXX with balance of XXXX, PayPal limit XXXX with balance of XXXX, Amazon limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IA)

I paid my Wells Fargo mortgage loan # XXXX in full on XX/XX/XXXX. I contacted Wells Fargo at XXXX on XX/XX/XXXX at XXXX XXXX  and was told my escrow would be refunded and I asked about my PMI. When I purchased my home in XXXX we paid our PMI in full for {$4900.00}. I told them I wanted my refund of around {$4000.00} due to paying off the loan. The first female I spoke to told me she consulted with someone in the PMI department and he said due to the Homeowners protection act I do not get my PMI back and they keep my {$4000.00}. I asked them how that is and told them I will file a complaint. She then directed me to The executive office with XXXX XXXX who told me my case would be looked into and someone would contact me within 24-48 hours to talk about my situation. I told her I was told by a friend who does her exact job this is what they would try to do. The initial person could have handled and took care of my situation but instead they pass it on so they can buy time and waste 60 days before returning my money if they ever follow through. She then told me she doesnt think it will take 60-90 days and mentioned 10 day turn around. I asked her again so this will be resolved in 10 days and she said my person would contact me and let me know. This is ridiculous. We paid this money it does not belong to them and it should be refunded. They are giving me a run around and its exactly why I got away from Wells Fargo for my mortgage.
Consumer complaint received 2018-02-22
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. (IL)

I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I've contacted CitiCard regarding my XXXX  credit card accounts via their online live chat on numerous occasions over the last two months. I paid off my account, over $ XXXX, in XXXX yet they continue to bill me for fees. I've contacted them now at least three times to resolve this, kindly asking for fees to be waived, however I received an email notification and collection call within the last few days requesting payment. The balance on this account is around {$23.00}, which are all fees. When the collection automatic dialer contacted me I selected the option to speak to someone, to which it hung up on me. Again not a good customer experience in the least bit. 

I am beyond frustrated, furious and livid that this has now taken so much time to resolve. It's difficult to believe that three Citi Card associates have yet to resolve this concern. The first one asked me to call some other department, to which their call volume was so high you can't even get through. Then I contacted them back again, and again, but yet I still have a balance of fees. 

In all I want this balance removed in full. Obviously, I can afford to pay {$23.00} but it's the principle at this point. In addition, if my account was reported to the credit bureau over this I will be contacting my attorney to set up a litigation case, and will sue CitiCard. I want this resolved and quickly.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2020-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I have been making payments that qualify for Public Service Loan Forgiveness on time and in full every month since XX/XX/XXXX. However, I was recently informed that as of XX/XX/XXXX only approximately 30 of my payments qualify. 

Over the years, on several occasions I requested that FedLoan Servicing recalculate my qualifying payments and provide me with an explanation for any payments it considers not to qualify. However, to date FedLoan Servicing has provided no such explanation and the miscalculation remains. 

Every month since XX/XX/XXXX should be counted as qualifying for Public Service Loan Forgiveness. Thus, as of XX/XX/XXXX for each of my loans I should have about 69 qualifying payments. 

Note that according to the FAQ linked below qualifying payments should include months in which multiple partial payments were made to total the full amount due, as well as months in which my scheduled monthly payment was {$0.00} based upon my income. https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (TX)

My wife totaled her vehicle on XX/XX/XXXX. XXXX paid out what their coverage provided and my GAP insurance through Ally ( XXXX XXXX XXXX ) did not make a payment in accordance with the coverage they provide. They informed me that they needed proof that no police report had been filed for them to payout the GAP insurance. XXXX did provide me with a letter on XX/XX/XXXX that there was no police report filed at that time. Ally ( XXXX XXXX XXXX ) told me that correspondence was not sufficient and they needed correspondence that there was NEVER a police report filed, not just that one was not filed at that time. We followed up with XXXX, XXXX sent my wife email correspondence on XX/XX/XXXX that no police report was filed nor will be filed regarding her claim. This email correspondence was sent to the Ally GAP Claim department for processing in XXXX. To date no correspondence has been sent from Ally Gap Claims to say that email was not sufficient. It was not until today after seeing the loan with Ally was still outstanding that my wife and I followed up. Ally ( XXXX XXXX XXXX ) informed us today that the email correspondence from XXXX that was sent to them in XXXX, would not be sufficient and that it would need to be on XXXX company letterhead. At this time I feel Ally ( XXXX XXXX XXXX ) is not being forthcoming with what they require to process the GAP claim and are withholding the funds to payoff the loan to the vehicle. I have reached out to XXXX to get the necessary correspondence on letterhead. Had Ally ( XXXX XXXX XXXX ) been clear with what they needed and what would not be sufficient, as well as contacted me in XXXX after they received my " insufficient '' correspondence this matter could have already been addressed. Instead I had to contact Ally, who tells me to contact my GAP provider, XXXX XXXX XXXX, a partner with Ally, to inquire about my GAP claim. XXXX XXXX XXXX then told me today about the correspondence that needed to be on XXXX letterhead and that the email was to be sent to XXXX email. It seems clear that Ally, who tells me to contact my GAP provider, is my GAP provider, as all of my emails go through XXXX email.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WV)

Bank is to pay home owners insurance and failed too make payment cause my insurance to be cancel. Had to get another company to insure home at double the cost. Bank will not cover the higher price saying it is on me. Before fixing the problem bank is to sale my loan to another bank so they will not have to take responsibility.
Consumer complaint received 2018-02-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Complaint # 1 - Failure of Select Portfolio Services , Inc. ( SPS ) to comply with NY Real Prop Actions L 1304 ( 2016 ) with regards to required proper notice as it specifically relates to a Subprime Home Loan. " Notwithstanding any other provision of law, with regard to a high-cost home loan, as such term is defined in section six-l of the banking law, a subprime home loan or a non-traditional home loan, at least ninety days before a lender or a mortgage loan servicer commences legal action against the borrower, including mortgage foreclosure, the lender or mortgage loan servicer shall give notice to the borrower ( s ) at the property address and any other address of record in at least fourteen-point type which shall include the following ... .. '' The 30 year interest rate for a mortgage in XX/XX/XXXX ; the year the loan was originated was 6.32 %. The interest rate charged at the time of origination exceeded 9 %. Complaint # 2 - Failure of Select Portfolio Services , Inc. ( SPS ) to fully respond to legitimate requests for information - XXXX XXXX XXXX. Specifically, SPS did not respond to the inquiries to the following : 1-Whether there is a pending or planned foreclosure proceeding ; 2-Sufficient proof of debt as requested on XX/XX/XXXX ; 3-If the account is registered with XXXX, state its MIN number ; 4-Copies of ALL endorsements, recording, allonges or other indicia of all transfers since note was signed. Specifically, with regards to XXXX XXXX XXXX, per notification on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX, per notification on XX/XX/XXXX. 5-The date your firm began servicing the loan and any previous servicer ( s ) of this loan.