davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Since the shelter in place was ordered in Illinois, portfolio recovery XXXX has called my phone 3x A DAY. I shamed one operator for telling me I should borrow money from my mom, who is elderly and especially during a pandemic. I realize this is a debit to be collected on. However, the next phone call was 2 hours later. I told the next operator the same thing. I told her not to call my phone until AFTER everyone could return to work, that my husband is an essential worker and she is not going to get to speak with him. Now that call my phone just about every 3 hours. How to I know its them? After I hit the ignore button I call the number back. When I ask whose calling they either hang up or say theyll call back later. And they do. They clone XXXX numbers and then later call back on a spam line. I told an operator TODAY ( XX/XX/21 ) that their office has been sent a cease and desist. That someone should check their mail. Theyve told me well if you dont pay your bill your going to jail, and you have kids you dont want to be arrested in front of them do you? This is XXXX  XXXX, I paid on that bill for 18 months before they called me and said I was in breach of payment which we never were ( I have the bank statements ) .yes a debit is owed, but this is harassment. During pandemic its illegal. We were in the process of hiring a lawyer to sue portfolio recovery before covid19. Please help.
Consumer complaint received 2020-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

Sallie Mae 's system does not allow the home address of the debtor to be different than the address associated with the debit card of the debtor. I have a P.O. box used for my debit card. This difference flagged my payment as I fraud and denied it. I could not figure out what was wrong and kept trying to pay but it kept not working. This caused me to appear late on my loan payments for 90 days and really messed up my credit. The payment is question was {$25.00} a month as I am still in school. My credit is damaged because of {$25.00}. The student loan is the first thing on my credit as I am still in school and now my score is low. I was on the phone was Sallie Mae for a few hours and got this all sorted but it seems like a fairly common thing to have different addresses ( especially for university students ) and should be fixed. Thank you.
Consumer complaint received 2020-04-20
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. (CA)

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I've placed an order with XXXX for the amount of {$670.00}. During the check out online, I initially tried to use my Chase VISA XXXX to pay the due, however, the card was declined with the customer support phone number posted above. Which I've called. XXXX 's representative XXXX XXXX told me that I should try once again and if the card won't go through, I should try another payment method. I've brought to her attention, that nevertheless the check out wasn't successful I see a pending charge for the amount of {$670.00} on my Visa XXXX account. XXXX XXXX assured me that the charge either won't be posted or if it would be posted I should expect a credit for such amount issued to my account from XXXX. So I've tried my XXXX XXXX ending in XXXX and successfully check out ( SEE ATTACHED ). Then I've received a confirmation email with an XXXX shown as a payment method ( SEE ATTACHED ). Nevertheless, couple days after I've noticed that the charge had been posted on my VISA XXXX account so I've waited couple more days expecting a credit to be issued, which never been placed into my account. 

After calling XXXX via XXXX I was told to expect a call from a supervisor officer to my XXXX cell phone number who assist me with this situation further, which I've never received, therefore I've filed a dispute, which had been rebutted.
Consumer complaint received 2020-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TX)

I recently sent a request for validation not verification letter to XXXX XXXX XXXX XXXX XXXX. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (HI)

I just received a statement for the first time, in the mail, from Synchrony Bank or PayPal Credit that claims I owe over {$1700.00} on a credit card that I never opened with them. When I called to inquire, they claimed I opened the account in XXXX but that is not true. In the statement I received on XX/XX/XXXX there are cash advances for around {$100.00} every few days of the last months. They look like they are going to someone in another state. I would like Synchrony Bank to be investigated for improper activation of an account and lack of proper credit monitoring services for fraud detection. I have now been forced to sign up for a credit monitoring service which Synchrony Bank should pay for Additionally, I have changed passwords on many accounts and closed my regular Paypal online billing account. I never signed up for PayPal Credit and they should be investigated for lack of credit, identity and consumer controls. My credit will suffer because of Synchrony Banks profit motive over customer protection values.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (AZ)

I recently opened a checking account over the phone with a representative and not one disclosure was read to me, I was never asked about any of the federally required questions that are regulations per the patriot act, and I was never even asked basic questions ; like if I wanted a joint account or any beneficiaries. I work for another financial institution, and often open accounts for folks requesting them over the phone and I was honestly alarmed at the lack of procedure to open this checking account. I said I wanted a checking, and about 30 seconds later, it was open with no questions or disclosures, no W-9 form, and no signature card. It just seemed odd to me and I felt obligated to report this lack of oversight. I have been a Navy Federal member for over a decade, and I have enjoyed doing business with them, but again, I was very alarmed by this experience.
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (PA)

In late XXXX, 2020 I purchased a personal computer from Best Buy at which time I was told I could not pay anything for 18 months if I applied for their in house credit card. 
I decided to accept this offer. 
In XXXX I began trying to pay the balance ( {$1200.00} ) in whole as I had the funds In XXXX after several unsuccessful attempts to contact the company and make payment I started receiving mail telling me I had a " late payment fee ''. 
This is deceptive practice initiated by a large corporation. Action against these companies is necessary in maintaining order in our economy and protecting consumers.
Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (TX)

on XXXX XXXX this company Scott & Associates , P.C . sued me on a time barred debt.According to the lawsuit the plaintiff claimed that I owed {$2600.00} this is false. 
This account and debt have been disputed and most of all, the account and debt according to my record is time barred. The last payment I made on this account was on XX/XX/XXXX. That is 4yrs which  is more than 4yrs the Texas status of limitation is. 

The statute of limitations " clock '' starts ticking on the date of last activity on an account. Typically, this is the date you last made payment. According to Texas statute ; civil practice and remedies code, XXXX. the status of limitation in the great state of Texas is 4 YEARS. 

The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from bringing a suit or even threatening to sue you for a time-barred debt. This law the plaintiff just violated. 
And also, by making me go to the court while the nation has a stay at home going on because of the corona virus, this company put my life and well-being at risk by bringing this bogus case. Also, wasting the court time when they do know better that the case they bringing is time barred
Consumer complaint received 2020-04-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

We filled out information concerning a forbearance plan which we never completed. I then received an email stating we were in a forbearance plan. I proceeded to call Quicken Loans Mortgage and explained the situation. I was assured that the forbearance would be removed. I am requesting Quicken Loans to update my account which is current. The procedure was enacted without the complete signatures of both parties on the existing loan.
Consumer complaint received 2024-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: INTERNAL CREDIT SYSTEMS, INC (PA)

Internal Credit Service of XXXX, NC sent me a letter dated XX/XX/XXXX informing me I owe {$250.00} to XXXX XXXX ( gym ). I immediately realized that my card which had been cancelled and replaced due to fraud was no longer connected to my gym account. I called the gym, and they said they can't do anything about it until I pay the debt collector. 

I called the debt collector and asked why I was being charged {$250.00} when I should owe {$170.00}, and he said it was due to fees. During this exchange he threatened me with legal action immediately, and then hung up on me. I called him back, and asked for clarification, and also his name. He refused to give me his name, threatened a lawsuit, and hung up on me again.
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, This letter is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attor
ney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XXXX. I walked into waldorf chevy with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( XXXX  and Transunion ) Refused to re dispute stating it was frivolous but deleted from XXXX. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. Experian won't re dispute they have not come back on Equifax or transunion. 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from XXXX, but transunion and experian keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX XXXX never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023 I purchased a year subscription on XXXX XXXX XXXX XXXX for {$32.00}. It was an AI app to use the premium features. After purchasing it kept asking to make another same payment. I thought my original payment never went through thats why I could not access the service. I checked the next day and I see the charge on my account so I again tried to log in and use the service and same thing it asked me to make a {$32.00} for the year subscription. I tried to contact the app customer service to resolve the issue but I never got a response. So I contacted the credit card company Capital One and reported the issue and asked to reverse the charge since I never used the app nor received any response from the app to refund my charge. I received the credit back on my card however, End of XXXX they reapplied the charge back to my account for a service I never received and the vendor will not respond. The case number filed with Capital One is XXXX. I do not know what to do since Capital One reapplied the fee and the vendor is none responsive and for a service I never received and have no access to. I followed the instructions on the dispute letter and never got a response from Capital One. I mailed the response per instruction, sometime in XXXX, I do not have a fax which was another option. I do not know why they make it so difficult.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XX/XX/XXXX. with no change. I recently sent another letter in XX/XX/XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them XXXX.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.
Consumer complaint received 2023-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit, Inc (CA)

I would like to submit a complaint regarding inaccurate reporting on my credit report from Volkswagen Credit. This debt is a result of identity theft. This debt on my credit has been an extreme burden and has caused a lot of stress in my life and mental health. 

I first noticed this debt on my credit in XX/XX/XXXX XXXX 

Nature of Identity Theft : Opened an auto lease/ loan an in my name without my knowledge or consent. 

I first became aware of this identity theft issue when I noticed the debt of {$17000.00} form Volkswagen on my credit report. I then Immediately upon discovering this discrepancy took the following actions : Contacted Volkswagen : I have sent multiple letters explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, despite my earnest attempts, Volkswagen has failed to provide any proof of such an agreement. 

Disputed with Credit Bureaus : I promptly contacted XXXX, XXXX, and XXXX to dispute the fraudulent collection account. XXXX and XXXX have taken the appropriate steps to remove the inaccurate information from my credit report. However, XXXX has not yet rectified the issue, and the collection account continues to impact my credit score adversely.

I have filed a Police Report : In light of the identity theft incident, I filed a police report with my local law enforcement agency, and I have attached a copy of the report for your reference. 

Identity Theft Affidavit : I also completed the Identity Theft Affidavit provided by the Federal Trade Commission ( FTC ), which is enclosed herewith. 

Despite these actions, the debt from VW Credit continues to linger on my XXXX credit report, casting a shadow on my financial reputation and hindering my ability to access credit and other essential services. I have followed all necessary steps to demonstrate that this debt is not mine and that I am a victim of identity theft, but my efforts have yet to yield a satisfactory resolution. 

Request for Intervention : In light of the circumstances mentioned above, I request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Volkswagen Credit for their unjust reporting of the collection account on my credit report. Additionally, I kindly request your assistance in ensuring the immediate removal of the auto debt from my XXXX credit report, which will restore the accuracy and integrity of my credit history. 

Enclosures : Copy of Police Report Identity Theft Affidavit I look forward to a prompt response and resolution to this distressing matter. Thank you for your attention to this serious issue and for advocating for consumers like myself who have been victims of identity theft and inaccurate credit reporting.