davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After reviewing my credit report, I found that Portfolio Recovery Associates was reporting a debt on my credit report. 

I requested through the credit bureau that the debt be validated. Also I noticed that the debt in question was a zombie debt and beyond the Statute of Limitations to be collected in the state of Texas ( 4-years ). I never received a " dunning letter '' from this agencies so I could adequately dispute the claim made. 

After sending dispute letters to XXXX and XXXX without any results, I decided to send my dispute with Portfolio Recovery Associate ( PRA ) to the XXXX. While their investigation was pending, PRA 's account was removed and reinserted per my credit monitoring service ( XXXX ) and the credit bureau XXXX. My account with Portfolio Recovery Associates were " parked '' thus reaged. My debt appeared to be a new collection thus negatively affecting my credit score. 

This is a violation of FCRA for not giving me a five-day notice of the reinsertion of debt and the FDCA for the re-aging of Portfolio Recovery Associates account.
Consumer complaint received 2016-02-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (CA)

10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with Washington Mutual. I purchased a text book for about {$150.00}. Chase Bank ended up buying out Washington Mutual and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through Washington Mutual. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Equifax is not properly reporting the date the account was opened
Consumer complaint received 2020-03-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation (CA)

I attempted to do a VA refinance with this company through a broker named XXXX XXXX. I was referred through another broker who said they would be able to get me a better deal. It was a simple interest rate reduction loan with 2 deferred payments which is standard. I had clarified that the plan was to defer the payment in XXXX and XXXX. Understand that I started this process at the beginning of XXXX. So, I payed my XXXX payment and provided all the requested documentation. There were long lags in communication where I literally could not get a hold of XXXX causing delays as was my current lender who was not providing the payoff. We worked very hard to get this done in XXXX, but I felt as if I was working alone and constantly trying to follow up and make sure we were on track. Long story short I asked Mr. XXXX the last week of XXXX if he thought we could close in XXXX and he said it was a long shot. Confused, I asked if that was going to be okay with my current mortgage. He told me we wouldn't be late until XX/XX/XXXX. Should I have reminded him that I hadn't payed XXXX at this point? Maybe, but I thought he knew as that was what we'd discussed all along. It's irregardless as he had all the information that would have told him XXXX had not been paid. They got the payoff on XX/XX/XXXX and didn't contact me for 8 days. XX/XX/XXXX they asked for my wife 's email? Then on the XXXX for a mortgage statement from my current lender which was provided in 15 minutes and was another document that told them XXXX hadn't been paid. They finally sent disclosures out on Monday, the XXXX. We had the disclosures back within hours. I heard nothing yesterday and asked my wife to reach out. XXXX texts back saying we are delinquent on our XXXX payment and now the loan can't move forward. I about lost my mind. This guy is now playing dumb. It's absolutely crazy because had there not been an 8 day lag from the XXXX to the XXXX and we had closed last week as I thought we would, we wouldn't even be in this situation as my current lender didn't report me late until the XXXX. I've spoken to XXXX XXXX who is the General Manager  of this company. He was initially very apologetic and seemingly wanting to help. I just now got a long email from him in which he is basically going to bat for XXXX and I can see the writing on the wall. They are getting ready to wash their hands of it and now my family and I are going to pay for XXXX XXXX incompetence and laziness. We are now fighting a late payment with the current mortgage holder that has already negatively affected my credit score. As a result we won't be able to capitalize on current fantastic rates and I am going in the hole trying to catch up on my current mortgage. We went into this to save money and are now in much worse financial shape from dealings with this company and XXXX XXXX. I am a XXXX XXXX veteran with over 20 years of service in the XXXX XXXX  and these guys couldn't care less. I've never been more disgusted with a situation than I am with this one.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DE)

XX/XX/XXXX I applied for a Citigold account online and due to issues experienced I subsequently continued the application process over the phone to which I was approved. During both the application and new account setup process I confirmed multiple times I was eligible for the promotion provided with the application. I completed all the promotional requirements in XX/XX/XXXX. I sent a secure message to confirm if I had met all promotional requirements to which I received a response from a XXXX XXXX XXXX stating in part " As per the details of your message you have met the requirements for the promotion for XXXX bonus miles. Thank you. 

The fulfillment terms for the promotion states " The bonus miles will be credited to your existing XXXX member account within 90 days from the end of the statement period in which you complete all offer requirements. '' To set your expectations, if all requirements were completed on the statement cycle that will end on XXXX/XXXX/XXXX, then the bonus miles will be credited by XXXX/XXXX/XXXX and will reflect during the month of XXXX XXXX. '' I waited until XXXX XXXX and still had not received the promotional bonus of XXXX XXXX miles to my AAdvantage account. I initiated an inquiry asking why I still had not received my points to which Citi responded stating an investigation had been opened. I have just received the results of Citibank Service request XXXX to which they have stated I am all of a sudden not eligible. This response, in my opinion, indicates Citibank agents knowingly promote false answers to obtain new accounts given the experience I had throughout the application and new account setup process with the multiple confirmations of eligibility and subsequent confirmation of having met the requirements XX/XX/XXXX only to deny this promotion after the fact. 
I would like Citibank to honor their promise of the XXXX XXXX miles to my AAdvantage account or I will be forced to shut down this account as I certainly can not bank with an entity that I have now lost trust and faith in their verbal and written words. 

Thank you for your time and assisting in these matters.
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The last correspondence I sent the company on XXXX pertained to a demand for validation. The company 's correspondence to me dated XXXX provided me with verification of the account, they failed failed to provide me substantive validation of the account, there are no statements and contractual agreements from the original creditor that they could produce and at the same time they persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The XXXX address is 18 yrs old. My address of record for the last 18 yrs is XXXX XXXX XXXX XXXX ny XXXX. Also my employer is The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ny XXXX
Consumer complaint received 2016-08-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC (TN)

Advance Financial has automatically debited my account for XXXX payments on another persons account. I helped this person out previously by paying her payment. However, I was never co-signer and I am not responsible for her account. Without my permission they have withdrawn XXXX payments on 1 day for her account. I would like to know if there is anything I can do against this. at this point they are saying they can refund me in 3-5 business days, but in that time i have bills due.
Consumer complaint received 2016-10-24
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC (NH)

On XX/XX/2016 I took out a title loan on my car for XXXX . I was suppose to repay the loan by XX/XX/XXXX. I lost my job during that time and my apartment. I did n't get to pay the loan on time. I recently got a new job and contacted Loan max to start taking care of the loan but the minimum payment they need me from is basically the entire loan amount. Please help.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.
Consumer complaint received 2016-05-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (VA)

I had a vehicle financed with CNAC ( JD Byrider ), I requested that they pick up my vehicle in XXXX 2013 around the XX/XX/XXXX. They did n't come to pick up the vehicle until about three weeks later.
Consumer complaint received 2016-12-01
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: First Data Corporation (PA)

XXXX sent a money network card with {$1000.00} on the card. On Saturday XXXX XXXX, 2016 I received mail from Money Network stating to send in SS number and Id. I fax the information required and the hold still has not been released. XXXX also fax over document. The company is holding customer funds. and taking personal information from united state consumer. The hold was place on my account on XXXX XXXX, 2016.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (AZ)

closed account with XXXX XXXX company for home at XXXX XXXX XXXX XXXX, XXXX started new services at XXXX XXXX XXXX XXXX XXXX XXXX service there form XXXX XXXX on my credit report a collection debt from Southwest Credit Systems , LP account number XXXX for amount of {$630.00} open date XXXX XXXX collecting for XXXX XXXX Company for home on XXXX XXXX XXXX that i closed in XXXX how can the collection company use a XXXX date to make it seem like its a new debt when it was a XXXX debt just want the collection company to have a date the account was closed and give me the legal statute that a debt can stay om my report
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX XXXX and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One received a {$1500.00} direct expedited electronic payment from me on XXXX/XXXX/2015 and immediately placed a fraud hold on my account, I called in when my newly paid off card was declined. From here a 2 day nightmare began where they forced me to conference call every financial institution I have done business with in the past and currently including banks I have never made payments to C1 from. They threatened me with legal action, accused me of criminal acts and withheld my funds. They forced me to provide them with private account numbers and details that do not in anyway pertain to them or my account. As I had just put such a large amount of money towards that account I felt I had no option but to submit and do what I was told. As soon as I provided them with a piece of information or called a bank lwith them and listened to them tell my financial institutions I am suspected of fraudulent activity they would disconnect the call and I was forced to begin the entire process again while I listened to the other agents laughing in the background. As a result of this pointless investigation I have had to deal with fraud holds and account closings caused by their inquiries. worst of all this is not the first time ... C1 is constantly witholding my funds, contacting my other institutions without my permission and with no logical reason ... Im not even sure how they know I do business with the others. They have closed my account twice without reason and reopened it leaving several duplicate accounts on my credit report dragging my score down to XXXX they dont report my payments, they report late payments that were not late and they have generally tortured me endlessly.
Consumer complaint received 2016-04-07
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (WA)

A medical company I am a client of XXXX XXXX has claimed for some time that XXXX owe them money, but can never say what for. So because I continued to challenge them on the issue, they sent their " alleged : debt to a company called State Collections. They started calling me. The first call was a live person, who demanded to know all my personal information. When I refused, she said that I would be sued if I did not pay the debt. I told her she would have to send a letter stating who they were, who they were collecting for, and how much the alleged debt is for. So far they refused, and since I did not handle this over the phone they placed it on my credit. Now I receive " robo calls '' from State Collections daily. No person on the other end, just a message that they are debt collectors. I am trying to get this removed from my credit, and I have complained to the local XXXX about XXXX XXXX. State Collections have called before XXXX and after XXXX on several occasions, XXXX time being called as early as XXXX and as late as XXXX. I need these people to follow the law, and at the very least, send a letter stating their purpose so I can respond. Calling them back does not result in any communication either. You sit on hold forever.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I enter my personal information to receive my credit report, I am told that there is an error with my social security number and that my information does n't match any of your records. I am certain that all of my information is correct.
Consumer complaint received 2017-01-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc (KS)

The original contract only stated a fixed payment of {$56.00} on a financed amount of {$1100.00}. There was no interest rate indicated nor a installment end date ( my fault for not noticing ). I have been paying on said account for 11 months now and called in XX/XX/2017 to get the principle balance so I could pay it off and was advised it was {$940.00}. I then started asking questions as to how and she told me my interest rate was XXXX % however had no clear explanation as to how only {$150.00} of {$610.00} was applied to the actual principle balance with {$460.00} going to interest. The company can not justify where my money has been applied and has advised me they do n't have a detailed statement to send me showing the appropriation of my funds.
Consumer complaint received 2016-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NJ)

I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!
Consumer complaint received 2016-04-08
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CHECK INTO CASH INC. (CA)

check into cash has repossessed my car for a title loan with out do process. 
They Never notifying me that repossession was going to take place, Never giving me a chance to cure the default. I also keep in contact with the company notifying them of a hardship. I was told my dept would go to collections, not one thing about repo my car. They also are lying about sending fair notice of how to clean default. My car is worth more then I owe.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

For nearly a month, TransUnion has been reporting a collection from " XXXX '' a/k/a XXXX XXXX XXXX on my credit report, tarnishing my name and making me unqualified to obtain an auto loan with XXXX due to this collection. 

I 've disputed this collection with reporting agency and TransUnion but TransUnion reported that the reporting meets requirements of the FCRA. IT DOES NOT. 

On XXXX XXXX, 2016, I called the original creditor of the debt, after investigating, XXXX XXXX discovered that the payment I made before my account was turned over to XXXX was credited improperly. XXXX pulled my account out of collections. 

The debt collector, XXXX companies, says that TransUnion is reporting the information on this collection account and they 've already requested to have it removed from my credit file. 

TransUnion is tarnishing my credit file and making me ineligible for auto financing. I demand they stop reporting this collection. XXXX and XXXX have n't reported on this debt in over 3 weeks and TransUnion says it meets FCRA requirements. 

I am willing to speak to the media about TU if necessary.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (AL)

Unknown to me, XXXX XXXX XXXX XXXX sent my closed account to a collection agency, Credence Resource Management, LLC. XXXX XXXX XXXX had not informed me of any bill due. I had no idea. In the meantime, Credence Resource Management calls me over a XXXX times a day from different phone numbers. They do n't leave messages and when I answer they will not tell me what the call is about. I asked and they said they could not disclose. These people have called day and night, weekends, evenings, mornings, at all times.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (IL)

Selene Finance LP took over my mortgage fom XXXX on behalf of the holders of the XXXX XXXX Loan Trust, Mortgage-backed notes, Series XXXX is the owner of the account, and sps is the mortgage servicer of the account, which gave it to Selene Finance, who put me under a Trial Modification Plan from XX/XX/2015 to XX/XX/2015, paying {$700.00}, plus an additional amount was previous the trial modification. Selene never offered an modification after the full amount of the Trial. I would like my money back since I was not given a modification. I gave money which I did not receive any financial help from selene, plus, they sold it to XXXX.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am still having problems with XXXX XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help