davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

On XX/XX/XXXX a letter was sent to Portfolio Recovery asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. 

In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer. 

Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for Portfolio Recovery Associates LLC and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence. 

By filing this XXXX, XXXX XXXX XXXX, XXXX. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff Portfolio Recovery has.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mar Joe Enterprises (TN)

The collection agency account is showing that I have an open balance of {$73.00} on my XXXX  credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX//18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX Creditor : XXXX XXXX XXXX
Consumer complaint received 2019-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late 1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (KS)

Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Consumer complaint received 2019-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I don't believe that this is solely Santander Bank. Since 1994 when XXXX changed the area code from XXXX to XXXX my outgoing calls have been forwarded and intercepted by a hostile and unprofessional independent call center acting as my own personal customer service team without my permission, acceptance, or agrerment. Lately like my XXXX bank account Santander has been witholding making debits to my account balance on my billing statement. Long ago I opted out of being able to overdraft my account. Example : I will pay a bill on the XXXX and on the XXXX the check is cashed. Santander won't debit it from my account until the XXXX of the month. Meanwhile it is showing in billpay activity as paid on the XXXX. Currently Santander is making a personal judgement against me and calling me a fraud. XXXX Pay through XXXX XXXX did the same thing last holiday season. Santander is not allowing me to make purchases with my debit card and they are backlogging purchases. On XX/XX/XXXX two payments made through XXXX play in app purchases for {$4.00} were backlogged for XXXX. I tried to make another of the same type of app purchase for entertainment in the amount of {$19.00} and the purchase was declined for insufficient funds. The csr from Santander said that they didn't approve of my purchase and said that it was from a casino game and considrred gambling. Later that afternoon of XX/XX/XXXX I tried to make a purchase for an online job opportunity and the {$47.00} purchase was declined for insufficiebt funds. The csr from Santander said that the purchase was most likely fraud if I had to pay for the opportunity. I was also told that the {$47.00} was being debited and then credited back seconds later. I asked to speak to the fraud department and I was told that they needed me to confirm some purchases in my email and to set up text messaging one time code options for security. And I had to update my cell phone number which they didn't have. So I didn't get the notifications about their new security procedures. They could have mailed it to me. ( And I have told them multiple times about the call center. Santander was also made aware that my emails were hacked and that I prefer to be contacted through usps mail. Because email is not federally.protected mail ). So, they promised this issue was resolved. I then, about an hour later, attempted to make the {$47.00} purchase again and it was declined again for insufficient funds. Then I tried to order food for delivery in the amount of {$33.00} including tip and that purchase was also declined for insufficient funds. I then went to the ATM and withdrew {$60.00} to pay for the food in cash. ( I had the money in the bank from my tax refund. I have one outstanding check for {$66.00} for a utility. ) Santander made personal.and unprofessional judgements against me and how I choose to spend my momey. And they are unfairly calling me a fraud.This is slander.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

This was the original citibank offer which I signed up for : -- -- -- -- -- -- -- -- -- - Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I call citibank after I opened checkin/savings acct. The bonus time period has completed, but Citibank is stating that it might take few months to resolve the issues.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I was approved for a Chase XXXX XXXX credit card with an {$8500.00} limit. The promotion was to spend {$4000.00} in the first three months to receive the advertised benefits.

I received the card and spent approximately {$6000.00} in the first couple weeks. I was consistently transferred to the fraud department for most purchases. 

After two weeks my card account was closed without logical explanation. I did not even get to one statement cycle to make a payment on the account. 

I feel the company advertised falsely to get me to sign up for their card and advertised aggressive spending for the first three months to reach the benefits, and once I did what they asked, they closed my account.
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

I have an existing loan with Mr. Cooper. Approximately 4-6 weeks ago I contacted the company asking for instructions about how to remove the PMI from my monthly payments believing the property equity now qualified to allow that to happen. 
They gave me the instructions on what I needed and where to fax the information they needed. I did that about a month ago. 
The information I submitted ( formal BPO ) clearly demonstrated that the property met the minimum equity ratio necessary to ensure the PMI could be removed. 
I have documentation that the information faxed was received. 
I have since followed up twice with Mr. Cooper. Each time no one can tell me where the request is in process and why I have not had any response from the company. 
I believe Mr. Cooper is merely dragging their feet to avoid removing the fee from my mortgage payment as they are required to do by law.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC. (TX)

ABR Recovery LLC Is trying to collect a debt on this companys behalf XXXX is the orginal creditor - I have reached out to both companies and have come to know solution as of yet I have just recently filed a complaint with the XXXX of New York against ABR Recovery LLC.  The amount that they are trying to collect on behalf of XXXX is {$1100.00} - I need debt validation under the FCRA. Each time I tried to reach out to this collection agency I get several different false replies which leads me to believe that this is fraud.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

In 2017 I initiated a credit freeze or alert with Experian. At some point I created an account with log-in ID but can not locate the info. This month I have tried to open a new credit card, but can not do so because of the Experian freeze and that a phone number was not associated with the account. At one point, I was able to reach someone at Experian and gave my phone number to attach to the account. Per XXXX XXXX, the application will still not go through because of no phone number attached. Now, I am unable to reach anybody at Experian. There is no way to obtain online help unless one can log in. When I click the " forgot login '' button, there is a message that the information was sent to my e-mail account but it is nowhere to be found including my spam and trash boxes. I have tried several phone numbers for Experian but can not reach a human to talk with anymore - only various dead-end options with the voice menu. In the meantime, I also received an e-mail from Experian that there are results of my " dispute ''. When I enter the case number from this e-mail, it does not work. I am not aware of any " dispute ''. Right now, I am unable to open a new credit card because Experian has me frozen and it is impossible to reach them.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

i have viewed my credit report and found some errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account with number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the above account have different and conflicting errors when checked on three credit bureaus, All of the above account has either been closed by the creditor or by the consumer himself and there is no basis for all these wrong information to stay on my account .All these hinder my ability to buy a house so please investigate these errors and removed the late payments and any closed accounts if can not be verified
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX, XXXX  and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2024-10-25
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (FL)

I had got summons for XXXX XXXX XXXX and was XXXX XXXX XXXX XXXX I submitted all the documents on XXXX XXXX and verified calling on XX/XX/XXXX that they had gotten everything. I did find out till XXXX that it was never submitted to a lawyer to handle after a ton of calls never gotten any action done. at the start of XXXX found out that their were XXXXwo garnishments against my pay and bank and couldn't access my bank any more due to the judgement i had to call to sue for them to sent to the lawyers which at this point the lawyers for the XXXX refused to negotiate and want a lump sum payment of XXXX XXXX dollars which I can not pay
Consumer complaint received 2019-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

XX/XX/XXXX, 2018-Called and spoke to customer service regarding PMI cancellation. I asked why PMI had not yet been cancelled. From what I understood, I had met the requirements. Young man was unsure why it had not been cancelled but agreed I had met the loan-to-value requirement. Offered to put in a request to cancel. I was instructed to call back after XX/XX/XXXX to ensure cancellation. 
XXXX XXXX-Since it was a Sunday, I submitted a request online to the Escrow Department for confirmation that my PMI had been cancelled. Other than an auto-response confirming receipt, I received no response. 
XXXX XXXX-I spoke on the phone with a customer service representative in the Escrow Department. I informed him that I had received a written notice that my mortgage insurance had been cancelled, but my account still showed disbursements occurring. He informed me that the PMI department did not take calls directly, but he would put in a request for them to reach out to me. I was informed that the projected completion date for my inquiry would be XX/XX/XXXX. I have not heard from the company since. I've been told that the PMI department does not speak to anyone directly when I've called customer service and no one can answer my question about why my PMI continued to be dispersed from my loan payments after it should have been cancelled. Each call to customer service requires a lengthy wait on hold just to speak to anyone.
Consumer complaint received 2019-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (OH)

On Thursday, XX/XX/2019 I received a letter from Debt Recovery Solutions regarding an alleged debt they were trying to collect for XXXX. I called the phone number stating I have never done business with either company. Debt Recovery Solutions had MY vital information including my social security number. I then contacted XXXX account services, and they provided me with information on the alleged agreement including a DOB and a Social Security number that belongs to MY FATHER, not me. My father and I share a name, he obviously is XXXX, and I'm XXXX XXXX has the correct information, whereas their debt collector Debt Recovery Solutions has unlawfully obtained my social security number and somehow are trying attach it to this alleged debt. I contacted Debt Recovery Solutions informing them of their blatant irresponsibility and contacting /harassing the wrong person. They demand I make a police report, and refuse to correct the issue. They need to be investigated thoroughly for their unlawful business practices. This is not my debt, nor has it ever been my debt. To date they have refused to provide me with the documentation.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX should be violated in New York just like XXXX XXXX was there high interest rate and demanding money I didn't understand they don't have the right social security number on file I want that off
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (UT)

IC Systems is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt was paid off a long time ago, and XXXX XXXX continues to be in violation of the FCRA Law Act for  reporting incorrect information. This debt is paid off and needs to be removed.
Consumer complaint received 2019-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

My client, XXXX XXXX XXXX sent me a {$38000.00} wire transfer into Wells Fargo Bank on XXXX XX/XX/2015. Wells Fargo claims they made a mistake and wire transferred my funds to XXXX XXXX XXXX. Wells Fargo banker XXXX was fired in the XXXX, Georgia branch for opening up unauthorized accounts. XXXX XXXX XXXX is claiming ( verbally ) that they never received the funds - - - I need them to put that in wiring and on signed letterhead and Wells Fargo says they will refund my money. 

Wells Fargo should refund my {$38000.00}. 

XXXX XXXX XXXX, XXXX