davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I writing this letter filing a complaint against PORTFOLIO RECOVERY ASSOCIATES LLC : Account # XXXX ORIGINAL CREDITOR ; XXXXXXXX XXXX. Are in non compliance violation against State, Federal, FCRA and FDCP statues of fraudulent extortion. I wrote to PORTFOLIO RECOVERY ASSOC LLC on XX/XX/XXXX and they received it on XX/XX/XXXX for validation ( letter attached ). These are non-compliance of major violations that we will take legal actions if this account is not remove from my credit report 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ). 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) Collection agency if they fail to report a disputed debt to the credit bureaus. Protection under the FDCPA Section 807 ( 8 ). 6 ) Show me that you are licensed to collect in my state. 7 ) Provide me with your license number and registered agent. Legal action. Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately if PORTFOLIO RECOVERY ASSOCIATES and credit bureaus continue in this non-compliance as Richardson v. Fleet Bank of Massachusetts-the court held that the XXXXXXXX XXXX failed to follow reasonable procedures by relying on creditors for accurate credit information because the company had reason to know of the dispute between the consumer and the company. I also remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. If not off my credit in 15 days I hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2021-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, my name is XXXX XXXX, Carrington mortgage services LLC, XXXX : XXXX, Fax : XXXX. On XX/XX/XXXX, over the mail, I received the new home insurance quote, on XX/XX/XXXX Carrington mortgage services LLC paid the new quote, by federal law, on the contract and the type of loan says that I have 30 days after I received the new home insurance quote for me to choose different home insurance, after I called carrington several times they don't want to stop the new home insurance quote, also after 5 years in row I haven't miss any payment, and the premium should go down, but carrington won't do it either, and at the top of that they want to charge extra fees. Thanks
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NM)

XX/XX/2020 i open paypal account for unemployment. Insurance. XXXX2020. Paypal locked my account and sent a email stating I was no longer allowed on paypal and any funds would be held 180 days per the agreement. After which my monies would be released via email notice. The time period has passed i still cant access my money so I ha e no means mid covid. I have all the emails. When i ate t to contact paypal igetrun around and computer generated replies rhat dont ha e a thing to do with my issue and thsy know this.
Consumer complaint received 2021-02-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (AR)

On XX/XX/2020, XXXX XXXX sent myself a letter referencing the closure of my account and relationship with Mr. Cooper for loan no. XXXX address XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Arkansas XXXX. At that time all funds, fees and debts were claimed to be settled. The beginning amount was XXXX, yet the payout to my family was only XXXX leaving to conclude that XXXX was kept in order to settle the debt. The remaining funds were sent to # XXXX XXXX XXXX XXXX, Arkansas XXXX. Since XX/XX/2020 when the account was closed I have been waiting on my credit from all three major bureaus to reflect closed accounts in positive positions. In order for my family to pick up and move forward credit plays a huge factor, therefore We request that the needed information in reported within 30 days of the submission of this complaint.
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Americor Funding, LLC (VA)

Debt Consolidation : Company is Americor. Signed Agreement on XX/XX/XXXX. Told the sales rep that I would probably want to pay off debt early, once I sold my house. He said no problem, to call for payoff amount when ready. 
Paid {$560.00} monthly with a {$10.00} fee taken out each month. 
Contacted Americor on XX/XX/XXXX to find out payoff amount. Was told it would be {$14000.00} and should take a couple of months to get everything paid off. 
Bank wired amount of {$14000.00} on XX/XX/XXXX. 
With the exception of Covid 2 hardship requests, the regular monthly fee continues to be withdrawn from my bank account. 
In XXXX, XXXX and XXXX I have called Americor to find out when final two card debts would be paid off. Was told that they are in negotiations and that it takes time. 
On XX/XX/XXXX, I sent an email to Americor addressing my frustrations and requesting expedited settlements. If necessary, please have a manager contact me. A ticket was established. According to their website, emails would be responded to within 7 days. I have not heard back from anyone as of today XX/XX/XXXX.
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST PORTFOLIO SERVICING INC (TN)

Activate Financial sent me an email of debt there trying to collect, I sent in a validation letter and I have not received any information per the letter I sent, they did however sent a letter stating that they have determined not validate or verify this account, by law it is my right to verify and dispute what is not accurate and they failed to do so and I DO NOT want this account reporting on my credit profile
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Prior to XX/XX/2020 my payments have been 100 % on time and at least XXXX days early! 
XX/XX/2020 - I logged onto my PennyMac Loan Service XXXX app to make my normal payment as I have done previously. ( since I've lived in this house ) I realized once I tried to make my payment the APP was malfunctioning. 
I called the number that was listed and spoke with a rep on the phone that stated that they were in-fact having issues with the app so she would help me over the phone. 
I nicely agreed and went on to proceed to try to make my payment over the phone ( which I already don't like doing, because of the scams ) She then stopped me and said " Oh, you know you've already paid for this month '' I stated that that info was inaccurate because I pay around the same time every month. She continued to state that I was already paid for the month & if I paid again it would be for the following month. My finances move a lot so I stated I did not want to pay for the following month only this month. 
I was already frustrated so I told her never mind, I was just calling to make this months payment, not to be in all this confusion. 
Long story short I ended up missing a payment because ( 1 ) the app was malfunctioning which is what caused all this ( 2 ) the rep on the phone told me I did not need to pay for this month ( knowing I didn't know proper loan terms, which were explained to me 2 months later ) I have had my same job during the entire pandemic so my income has not changed and the money was there ( once I saw the missed payment, I paid for XXXX & XXXX the same day ) I called back once I saw all this to speak with PennyMac credit reporting side, and they stated they don't do courtsey late payment removals. I then explained that if the app was working I would have made my payments as normal.. 
ALSO if the rep just would have reviewed my account or just let me PAY like I was calling to do ALL this could have been avoided! 

This has also kept me from refinancing my home!
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

I placed an email order with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) in the amount of {$100.00}. Days passed without getting a confirmation email of the order being received. I then decided to call to ensure the order was, in fact, received. I spent a ridiculous amount of time on the phone being handed off to people to finally be told they had not received the order and that they were going to place it right then XXXX XXXX number XXXX ). A few days later, I receive the items in the mail. Then a few days after that, I receive the same items again. When I called the company and explained they sent me a second order ( and charged me for it ) they said I could mail it back and get a refund but I would have to pay shipping ( which was {$20.00} according to their original charge ). I was absolutely willing to take my personal time to mail it back but I was not going to pay for the items that I did not order or pay to send them back due to their lack of organization and accuracy which obviously takes place within the company. When I called it was very clear that no one knew what was going on and when I called to resolve their mistake they were not helpful at all. At this point, I have spent several hours on the phone with this company and did not feel it was my responsibility to pay for their mistake. I then gave up and called Discover. I have been a faithful Discover card user for 21 years without a single missed payment or even a dispute. I thought my card company would help me dispute the incorrect, unapproved, 2nd charge to my account ; however they came back and said I was responsible to pay it. I do not see why I have to pay for a company charging something to my account that was not approved. I have since refused to pay the amount and they have added late fees and submitted my account as delinquent. I would like this reversed, as it was not my fault. I have also submitted the a complaint to the XXXX  of the company requesting they refund Discover card charge.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2021-02-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

Regarding account XXXX WAKEFIELD & ASSOCIATES is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. WAKEFIELD & ASSOCIATES have also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney making threats to arrest me, garnish my wages and bank accounts, and sue me. 
WAKEFIELD & ASSOCIATES has also contacted family members of mine more than once trying to collect this fraudulent debt. WAKEFIELD & ASSOCIATES have discussed this account and personal information about this debt harassing others trying to get me to pay this debt. WAKEFIELD & ASSOCIATES fail to respond to my verification letter by certified mail.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

In XXXX of 2017, I opened a checking account with XXXX XXXX XXXX. In XXXX of 2017, I deposited a check into the account that ended up being drawn on an account that had just been closed, although I did not know it. My account was immediately frozen. I called customer service, and they told me what had happened and suggested that I go speak to the manager of the bank branch where I had opened the account, who should be able to lift the freeze. 

When I went to the bank to see the manager, I was accompanied by my two granddaughters, who are XXXX. The manager stared at them, and it was obvious to me that because he was white, he was making a XXXX judgment on me ( I'm also white ) for having XXXX grandchildren. He was very rude to me and told me that because the deposit I made was returned, it caused several checks I had written to bounce. Although the account was not overdrawn, because I had bounced a check in the first 30 days, he said that bank had to close my account. The manager returned to me the money that was still in the account, and closed it during my visit. He assured me that there would be no negative reporting ramifications from the closure, as it was not my fault. 

Recently, I attempted to open an account with a different bank and was denied. I obtained a copy of my ChexSystems Report ( as recommended by the denying bank ) to see why I had been denied, and I noted that XXXX  XXXX XXXX had reported me to ChexSystems in 2017, indicating they had closed my account due to " suspected fraud ''. This is completely inaccurate. The ChexSystems report also indicated that I had an unpaid amount owed to XXXX as a result of the closed account, which is also inaccurate. 

I contacted XXXX several times to request that they remove the false information from ChexSystems, but the customer service reps I spoke with said they were unable to do so, but could not provide me any valid reason why ( as they agreed with me as to why my account had been closed and confirmed I did not owe XXXX any money ). 

The false and negative report by XXXX  XXXX XXXX to ChexSystems is preventing me from opening any bank accounts, which I need to do for my small business. I am being harmed severely every day that the false information remains on the report.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

At Huntington National Bank I've tried removing all of my accounts because money from the U.S. Gov. is still going into an account that I have no access to. The bank will not remove ALL of the accounts under social security because there is fraud taking place within them. They keep one open that is using the name XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX. Since I am not officially married my name has been always under my original birth name. The social security office is conducting fraudulent business as well keeping a false identity. This money needs to be delivered to my physical address immediately on a ATM card instead of going into an account I can neither close nor access. Last year I submitted to the IRS a claim that my identity is being stolen & social security is labeling a different name attached to my social security card. & has reached a serious data breach within all U.S. Gov. systems nationwide. The bank thus maintains one account because of the S.S. department refusing to properly identify me. They are using it to obtain trillions of dollars because I am employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (PA)

I attended XXXX XXXX XXXX back in 2022. I only went for orientation and passed one class with a B+. There was a charge of {$1700.00} that was sent to collection in 2022. Recently with in the past week a company called Sequium Asset Solutions did something like a loan or bought my debt. Which in case caused my credit score to decrease by XXXX. I called the company to det up a payemt plan but was unable to provide me with a reasonable payment plan. It sounded more like a scam to me
Consumer complaint received 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Transworld Collection comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Consumer complaint received 2021-02-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Back in XX/XX/XXXX, I submitted a request to refinance my home with Navy Federal Credit Union. The original loan Officer was XXXX XXXX. During the process XXXX XXXX required me to submit several documents to her and one of them was an agreement I had with XXXX. The settlement agreement was due to expire XX/XX/XXXX. Each time I would leave a message with XXXX XXXX I would never get a response, so for nearly ( 3 ) months I keep trying to contact her so I filed a complaint with the XXXX XXXX XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX and she informed me that XXXX XXXX had quit and she would be my loan processor. I informed XXXX XXXX that it is imperative that we don't miss the due date with XXXX. If that agreement expires then I would have to start that process all over. It took nearly two months to get XXXX to work with me in order to obtain the agreement. XXXX XXXX informed me that we would go to closing by the XXXX of XXXX. On the XXXX of XXXX at XXXX pacific coast time a I called XXXX XXXX XXXX confirm that we would be going to closing on the XXXX. XXXX XXXX then sent me an email on XX/XX/XXXX at XXXX pacific coast time stating one of her coworkers informed her that I didn't wish to continue with the process. I'm not sure were that information came from nor did I tell anyone that I didn't want to continue. Had that been the case why would I have called her the night before the day of closing? Since this process has started ( 6 months ) I have had nothing but one excuse after another from Navy Federal Credit Union. I have paid {$600.00} for an appraisal and to have my credit report retrieve. As it's known Everytime an inquiry is submitted against your credit report it affects your score. I feel I have been taken complete advantage of. I don't know if it's because their loan processing offices are in XXXX, FL and I leave in XXXX XXXX, CA and they feel their is nothing i can do to them. I hope by filing this complaint they realize they are beyond the reach of any consumer. 

Your assistance with this matter would be greatly appreciated. And any restitution that I can obtain would be worth the stress I have to experience.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from XXXX, XXXX, and Equifax.