davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates is reporting a credit card account purchased from XXXX to the credit reporting agencies with a balance of {$5400.00} although this account was settled in full with a XXXX balance on XXXX/XXXX/XXXX. I have disputed this multiple times with this collector/debt buyer ( please see the attached letters and documentation provided with those letters ) and have even attached the Satisfaction of Judgment provided by the court, however, Portfolio continues to report this balance to both XXXX and XXXX. The fact that they report a XXXX balance to XXXX confirms that at least part of their records correctly reflect this settlement but obviously their records are still badly in error. 

I initially disputed this error with XXXX, XXXX and XXXX on XXXX/XXXX/XXXX. Since the account came back verified, I disputed directly with Portfolio on XXXX/XXXX/XXXX with a Validation demand under the FDCPA and FCRA, which, again received no response. I sent a XXXX validation demand on XXXX/XXXX/XXXX under the FDCPA, FCRA and FCBA and finally a third letter on XXXX/XXXX/XXXX directly to Portfolio, disputing under the FCRA, again with no response. 

Portfolio continues to ignore my legitimate requests under federal law and knowingly and arrogantly reports erroneous information to my credit report in violation of the FCRA. Further, per the FTC, the very act of reporting an account by a collector to a consumer reporting agency is a collection activity ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ). This, to my understanding represents a violation of the FDCPA by continuing to collect on an account that has been legally paid.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (ME)

I have a credit card with Chase. I believe their interest rate charging practices are unfair and deceptive. I had a statement balance of {$1300.00} with a due date of XXXX/XXXX/15. I made an online payment of {$1000.00} on XXXX/XXXX/15. I could not make a XXXX payment of {$310.00} until the next day because their online system only permits XXXX payment per day. I was charged interest of 12.24 % on a balance of {$1300.00} when only {$310.00} was XXXX day late. I was told by their unhelpful representatives that the interest is charged on not the balance overdue but also charges incurred during the cycle that have not yet come due. I believe this is unfair and deceptive.
Consumer complaint received 2015-08-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Through several rounds of correspondence ( beginning XX/XX/XXXX and ending XX/XX/XXXX ) with Portfolio Recovery Associates , LLC ( a debt collector ), I have insisted on the verification of a debt they are trying to collect. Despite the Fair Debt Collection Practices Act ( specifically 15 U.S.C. 1692g ) giving me the rights to 1 ) the names *and addresses* of original/current creditors and 2 ) *a copy of the verification or judgment against me by the original creditor*, Portfolio Recovery Associates , LLC has failed to properly validate this debt. As such, Portfolio Recovery Associates , LLC is breaking the law. 

In addition, Portfolio Recovery Associates , LLC lists the date they purchased this account as XX/XX/XXXX. In my last correspondence, on XX/XX/XXXX, I requested a full payment history since they have purchased the account ( which, on each of their identical form letters, they invite me to request - but did not provide in their last correspondence on XX/XX/XXXX in response to my request ). According to the statute of limitations on debt collection in Nevada ( where I live ), the maximum time a debt collector has to collect a debt is XXXX years, depending on the type of debt ( NRS 11.190 ). Even if the debt were mine ( which I am not admitting to, as it has not been properly validated ), Portfolio Recovery Associates , LLC is deliberately refusing to allow me to prove that the statute of limitation on debt collection has been passed on this account - and that by attempting to collect it, they are breaking the law.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NY)

For the last week I have routinely received XXXX calls a day on my cell from XXXX XXXX XXXX. ( this a.m. they started at XXXX ) When I XXXX this number, I found others have been complaining for XXXX years. It belongs to Receivables Performance Management, a debt collection company, apparently. I do not take their calls and they do not leave messages. I do n't owe anyone anything, so how do I get them to STOP. They only have my cell phone, not my landline or my husband 's phone. I do n't answer any caller I.D . that is n't recognized by my contacts list. I 've had this phone on the DO NOT CALL LIST for over XXXX years!
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: VW Credit, Inc (FL)

I went to XXXX XXXX XXXX to get options to trade in my XXXX XXXX XXXX XXXX lease. I was over mileage so the dealership offered me to put a {$2500.00} down payment on a new lease with {$340.00} a month that we hassled with incessantly but they said I had so much in overage that this was the best I could do. I relented but agreed. Months later I start getting letters from VW credit saying that I did n't satisfy the amount owed on my prior lease. The dealership told me that when I got my new vehicle the reason I was putting so much money down was because I was so much over and it turns out they lied and had not satisfied my lease. I reached out to the finance manager XXXX several times, he asked me to get an invoice from VW I sent it to him via email and tried to call and follow up several times and have not heard back. Not considering my many phone calls that he ignored on email I reached out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and since then when he did n't respond I have been Corresponding with XXXX XXXX sending her the email on XXXX/XXXX/XXXX. I have called XXXX several times which I can document at least 9 times and have only received responses 3 times. I am now in collections thanks to their finance team at a time when I 'm looking to purchase a home among many other changes I 'd like to make. I demand that they honor what they told me and satisfy my outstanding balance, that they write a letter to the credit collection agency stating this was an error and I receive a satisfaction letter stating that it is being removed from my credit and it will not affect my credit rating. If both of those conditions are not fully met I will most definitely file a lawsuit, and if lawful, seek out other plaintiffs who must have had this same experience since there is an apparent culture of making false promises to churn over clients hoping that they 'll pay the excesses they lied about covering so they can make bonuses as a high volume dealership.
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TN)

Got a home loan from caliber. After 3 months the note was sold to XXXX. Caliber sent notice of sale an to no longer send payments to them. The other bank never had it set up. Learnt after many attempts to make a payment that the paperwork was not submitted in time so they did n't except it. Caliber has closed the account an will not take a payment. It has been 4 months an worried of forclosure. Caliber will not discuss anything saying the account was sold. This dispute over someone not getting the paper work done is gon na cost us the house. We have made many attempts to resolve this with certified letters an having an attorney send both company 's letters with no luck. They should not be able to do this to people an get away with it. There should be a law to protect the home ower. Average people do n't have deep pockets to keep paying lawyers to fight for something that 's the mortgage company 's fault!
Consumer complaint received 2016-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Caliber Home Loans, Inc. (HI)

This will be the sixth complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting on XXXX XXXX, 2016 until XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, andXXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Thursday, XXXX XXXX, 2016 and a XXXX, SINGLE POINT OF CONTACT SPECIALIST, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX sternly intentionally refused, prohibited, and stonewalled XXXX from again finding out what steps if any CALIBER HOME LOANS, INC., has taken to close Caliber Account Number XXXX once and for all, because of the unquestionable, substantial, and tangible documents that have already been submitted to CALIBER HOME LOANS, INC., that said property by operation of law called " Rights of Survivorship '' transferred to XXXX XXXX XXXX XXXX, so there is no property affiliated for CALIBER HOME LOANS, INC., to foreclose on, as XXXX XXXX XXXX was the only person who signed the NOTE and made that promise to pay, not XXXX XXXX XXXX XXXX or anyone else for that matter!!!
Consumer complaint received 2015-03-26
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Recovery Corporation (CA)

I was contacted today and told I owe a {$70.00} debt for a cancellation fee on auto insurance that is over 2 years old. I was never contacted by the insurance company to collect the debt so I do not think it is valid. I requested that the company provide me proof that the {$70.00} charge is legitimate. They claim they have had the account since XXXX 2014 but they have failed to provide me with any proof of this amount and they have never previously contacted me. They said this will damage my credit score if I do not pay immediately but they will not provide me with any proof!
Consumer complaint received 2024-10-05
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. (MA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was, in fact, paid on time. The consumer reporting agencies need to report all my information with complete accuracy following the XXXX law. 

This account ( XXXX XXXX # XXXX ) has not been late on payments I've attached a copy of my report to this complaint on the following dates { XX/XX/year> }. 
I'm now requesting you investigate and provide me with verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

See all attachments.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY (TX)

Hello, I have had this Nordstrom credit card for year. I always pay my payment on time. One month in XXXX Nordstrom reported me 30 days late. They reported me late because Apparently I did not make the full payment so they say. I made the payment through my mobile app when i made the payment the mobile app had the amount due of {$95.00}. The {$95.00} is what was paid. Days later the app told me there was still {$98.00} due so i paid this on the XXXX of XXXX. Which still is not 30 days late. I went into Nordstrom to make a purchase and the cashier told me i could not use the card until a {$10.00} payment was made. This is when i made the payment with the cashier on the XXXX of XXXX. Once i made the payment i asked why, and she explained that i did not make a full payment and XXXX was what was not paid. I explained to her my mobile app had one amount due and logged me off then when i check days later it had another amount due. She told me to call the XXXX number to see why and make sure everything was ok with the app and she recommend me removing it and adding it back on. when i called the representative said the system may have been down, or was being fix on. Later when i made my payment for XXXX i was charged a late fee and i did not know how. I paid what my mobile app told me to pay, in a way i feel the information should be accurate. I have paid my Nordstrom bill every month on time. If i was late no one notified me? This is derogatory information hurting my credit. If i would have never went to the store i would have never known i needed to pay {$10.00}. I would like for them to remove this information because i have paid my payment each month and never skipped a month. If the payment was short {$10.00} the app is the reason and i should not be penalized because their system may have been down that day. I disputed it with Nordstrom and they sent me a letter but the information was still inaccurate it went from late in XXXX to late in XXXX. I disputed it again and it went from late in XXXX to being late in XXXX. i am writing CFPB to seek help.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AR)

I attempted to receive my free Experian annual credit report through XXXX but it stated : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' Because the message is so vague ( " a condition exists '' ), I have no idea if it 's a technical problem on their end that may be resolved over time ( so try again later ) or whether the issue is with my account and I will need to do something to correct it before I will ever be able to get my free report electronically. I think this should be more clear.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2016-09-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (OH)

I have an auto loan through ally financial in XX/XX/XXXX I became unemployed for a yr so I filed chapter XXXX bankruptcy, kept the car paid the note each month, for three yrs, the XXXX got dismissed not discharged XX/XX/XXXX, I spoke with numerous cs reps in the ally bankruptcy department all telling me that I 'd have to pay XXXX within 60 days after it 's dismissed so my car was worth what I owed so I figured I 'd just trade it in, so for two months I dealt with XXXX dealers. The only reason I pursued the new car was because it was cheaper than paying XXXX all up front, so I got a new car traded mine in 20 days later XXXX XXXX in XXXX oh asked for the car back. So I call ally again finally someone sent me to a person that said I only have to pay XXXX and restart my contract with same interest rate. Had someone told me this from the beginning I would have waited before trying to trade it in. So all the false statements I was given over two months, I now have XXXX hard inquires on my credit causing my score to drop XXXX points. So due to ally giving false info. and poor finance management my credit had to suffer even more. I find it unfair that these foreign customer service reps at these banks do n't know anything and do n't have the correct answers. It 's bs and the consumer suffers while trying to better their situation it 's unfair.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is what I have written to TransUnion after they falsley recorded a negative entry on my credit file : _______________Letter with evidence to TransUnion_________________ Dear Sir/Madam : I am disputing your credit report on my file number XXXX as these are completely inaccurate entries on my report regarding XXXX. I have complained to you and you have declared that your investigation is complete. You also mentioned that, " For details, see below ''. However, that " below '' is empty- blank! - Nothing is in there. 

You are the protector of our financial practice and we depend greatly upon you. However, I have no idea if you even looked at the documents I have sent via US mail. My documentation has enough evidence to support that I am not responsible for XXXX. I understand you business depends on these clients like XXXX, but how about general consumers like me? 

All of these started when I tried to move my service to another carrier. How a telephone company owe {$2100.00} to XXXX individual? What were they doing? Are they really in proper business practice? How did I switch my service including phone numbers to XXXX from XXXX if I owe that much as they claim? 

I have provided you with some information and I am not convinced that you looked at it. So, I am sending more proofs in writing in a chronological order. I am also sending copies of these documents to other federal and state agencies, including the XXXX finance committee. 

As you can see from the attached correspondence, in chronological order, I repeatedly contacted XXXX, after they cancelled/suspended my account due to the fact that I told them about my desire to switch XXXX Company and made every possible attempt to resolve these issues and made so many phone calls and emails but XXXX never responded. If XXXX can provide any communication in response to my correspondence/emails, besides asking calling them, I would like to see those correspondences. I appreciate it very much if you can tell me how you have accepted such a bogus claim and put on my credit report? 

I wish I could submit this online, but your site did not work and suggested me to mail the complaint. 

Sincerely, XXXX XXXX XXXX ___________End of my letter_____________________
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have an AMEX Platinum Card, which had a promotion for opening the card and using {$3000.00}. The promotion was XXXX AMEX Membership Rewards points. 

I got the card, used it and spent the {$3000.00}, and the promotional points are listed on my account. 

Now I try to use the points with an AMEX airline partner, and they halt the transfer stating that my points are " under review ''. 

Initially, they told me that the review can take 6-8 weeks, so I should try again after 8 weeks. I tried again and again, each time they gave me new timeframes, but now it 's almost 12 weeks and they still say it is under review. I called them today and now they are saying that they can not know how long that 'll take since it depends on in their " corporate office '', and the complaint they opened about it with the corporate office was closed with no explanation or answer!
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Transunion : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Co Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.
Consumer complaint received 2016-06-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (SC)

This is a old issue that I 'm reporting. in 2011 I was in a hard spot since work load plummeted and I was barely able to put food on the table let alone pay for this student loan. I attempted to file for deferment due to economic hardship. Submitted all of the paperwork they had sent me. This was in XXXX. In XXXX they had sent my account to Collections and refused to talk to me anymore about my loan. Stating they no longer " owned '' it. Recently I tried contacting them again to see if there was anything I could do. Again told no. I tried to contact the Lender/Guarantor that is listed on my account with them still, only to reach a bunch of disconnected lines and non-existent phone numbers. The shady business practice they have has had a major impact on my credit and may impede my job.
Consumer complaint received 2016-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Optio Solutions, LLC (TX)

I have a company called qualia collection services from XXXXphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in XXXX for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.