davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

This company contacted me on XX/XX/2020 regarding a debt I've disclosed was opened without my permission. They stated they will show up to my personal home address to serve me and then stated that they are in jurisdiction to have police arrive with them. They claim they have the legal authority to do so when I questioned a debt collection agency representative showing up at my home. They said they are not a debt collection agency and don't have to follow as such. Told me I should study law and understand they are within their rights to call me names and threaten to show up to my home with police, because it's not illegal. I was called " ghetto '' by a XXXX XXXX and continued to be told they would contact me 100 times a day on a dialer since I wouldn't stop calling them trying to rectify the situation. They also said they would not document that I was requesting information on how to get this handled since account is not mine, and they stated they would document me as a refusal and show up to my home. I spoke with 3 different representatives. I unable to capture the first one 's name because he refused to provide me with company information upon request. Refused to send any written correspondence or confirm a good call back number so I could confirm was not scam. When found number to call, it went to ONE rep, XXXX XXXX, who continued to hang up on me every time I called and tell me they would only talk to a " irresponsible '' person like me when I hired an attorney. I explained I'm not hiring an attorney and that I wanted the calls to stop since they weren't wanting to talk to me, and XXXX XXXX stated they will call as many times as they liked. As well, no mini-miranda was stated at any point during any of the calls, not inbound recordings or when inbound to rep and not once during the outbound calls made to my cell phone after confirming they were speaking with me during the one phone call. I attempted many times to contact the company back and continued to get the same representative XXXX XXXX. A rep XXXX XXXX also told me he wouldn't talk to me but instead contact my supervisor and tell them what I'm responsible for, he said he was sure they would love to hear how I don't like to pay my bills. I advised that I do not want any contact to employer and I was immediately transferred to XXXX XXXX. They state that the calls are recorded but told me that I was lying about the statements made to me and refused to assist me any further. I am worried my information is being shared without any validation they are speaking to correct party or disclosing this was a debt. I apologize if this is all over the place as I am beyond frazzled and scared that this is going to escalate and I could lose my job over this due to calls.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates has been reporting unverified and inaccurate information to the 3 major credit bureaus under my social security # illegally. They have failed to respond to multiple letters I have sent certified on XX/XX/2018 and XX/XX/2018, and they have failed to answer any request ( s ) of verification to verify their false claims. They have caused MAJOR damage to my credit file and I am currently considering small claims actions against them. This company has commited MULTIPLE violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws yet for some reason feels that it is above the law in its efforts to collect a debt that they are unable to provide any proof belongs to me.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (LA)

XXXX/LOWES I have written letters and called multiple times to have a closed account from being reported to the credit agencies as agreed by the creditors when the debt was paid. 

They continue to report the account as a charge off.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Equifax 's automated systems to request a credit report do not work. I failed both the web site and automated phone system in XXXX and XXXX because they say I am incorrectly answering the questions used to verify my identify. For example : they ask how much my car payment is when I do not have a car loan. I was concerned, at first, that someone had stolen my identity and used it to take out a car loan. I eventually found a phone number to call where I could speak to a human for 1/2 and hour until they were able to verify my identity and send me the report by mail. The person I spoke to said there is no way for him or me to contact technical support to find out why this keeps happening, and that I will have to do the verification by phone each year to get my report. 

I have a very uncomplicated credit history and am able to pass the identity verification on the other to credit reporting companies in seconds. 

If this happens to you, the Equifax customer service number to call is XXXX.
Consumer complaint received 2018-12-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Bottom line, i was told by XXXX XXXX that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.
Consumer complaint received 2024-11-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (TX)

We sold our house on XX/XX/year>. We then attempted to cancel XXXX 's automatic payment, but Freedom Mortgage 's system does not allow you to cancel automatic payments less than 3 days prior. I emailed them, but they again said it was too late to cancel. They charged us {$1200.00} on XX/XX/year>, even though we no longer owned the house and the buyer had assumed our XXXX Loan. 
I called Freedom Mortgage on XX/XX/year> and spoke with their Escalations Department. They acknowledged their mistake, and said I would be reimbursed {$1200.00} within 7 days. They failed to do so. I called again on XX/XX/year>, and they said they were still working on it. I emailed them on XX/XX/year>. They said they were still working on it. I emailed them again on XX/XX/year>, and they have yet to respond.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (SC)

received a call from XXXX XXXX XXXX. He claimed to be from XXXX XXXX. And was offering a 2 for 1 credit repair package. My boyfriend talked to him first and gave him bank card info and his social sercurity number. When he put me on the phone I was instantly alarmed. Then I found out my boyfriend was naive enough to disclose that info I started asking man on phone how I can research him and make sure this is legitimate. He started stumbling over his words and gave me his number and extension. Name XXXX XXXX. I told him I can't confirm him through him. I need to be able to contact XXXX XXXX  and do that. He instisted on me just calling that number. Then asked to speak back to my boyfriend because he had his info and credit report pulled so he could close the deal with him. I said most definitely not. I could hear people in background that sounded like they were playing video games. I told that guy I was to check out his credutials and if I found anything weird at all I was going to report him. He hung up. Thats a great scam he has going on. He gets ssn, bank info, name and dob. All key things you need to steal from someone. I am so angry right now. Told my boyfriend to never give that info so freely!!
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NJ)

I have had serious issues with my student loans ever since I graduated with an XXXX from XXXX College in XXXX, NY in XXXX. In XXXX, the XXXX  student loan and XXXX. loans ( from XXXX Univ. ) were consolidated with XXXX XXXX for a total amount of {$45000.00} and I was put on a loan with interest-only payments for 60 months and then payments would be applied to principal. As soon, I made 50 payments, the loan was transferred to another servicer and the public loan was reconsolidated by another lender/servicer, which I started again to make interest only payments on a new loan. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments towards the public student loan with several student lenders ( Depart. of Education, XXXX  XXXX, XXXX, XXXX, etc. ) and no monies were applied to principal. I had no choice but to switch to a private loan since nothing could be done by XXXX XXXX or the federal government. 

In XX/XX/XXXX, XXXX XXXX, as the private lender, paid off the public student loans and I began a new variable rate loan at prime rate with an amount totaling {$43000.00}. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments to the private loan monthly at {$360.00} a month. However, this student loan started in XX/XX/XXXX and should have been close to being paid off at this point in XX/XX/XXXX. 

I need some assistance with reducing the principal balance or finding a way to get monetary relief. I appreciate any assistance or options that you may provide. I am available if you need to contact me at cell # ( XXXX ) XXXX.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TX)

On XX/XX/2018, our house was flooded. We sustained minor flood damage. We carry flood insurance, and our insurance covered muck out and debris removal. All of these tasks we completed ourselves On XX/XX/2018, we received our insurance check. As part of the normal process, PHH Mortgage Services was a party to the check. After going through our normal contact at PHH Mortgage, we finally were directed to the Insurance Claims department. On XX/XX/2018, we submitted electronically our Insurance Worksheet with all of the claim information. We were told that we had to request a waiver for the contractor requirement. We did so, and later that week, our request was rejected. At that time, PHH Mortgage requested an inspector to come out. That request was made on XX/XX/2018.

On XX/XX/2018, we submitted photos documenting that all the cleanup work that was being covered by the Insurance Worksheet was completed. On XX/XX/2018, an inspector representing PHH Mortgage came to our house and to the best of our knowledge received all the information necessary to complete the inspection report. PHH Mortgage stated that those results would be available within 48 hours.

After several phone conversation, on XX/XX/2018, representatives for PHH Mortgage stated that they have no information concerning the inspection results.

We are trying to get our insurance check endorsed from PHH Mortgage, but they are not allowing that to happen.

All we are requesting is that PHH Mortgage endorses our insurance claim check.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (AZ)

I could have checked almost every option ... .continued calls, impersonating a county worker, told them to stop and they havent. I have received MULTIPLE calls from these people claiming to be a worker for the county trying to serve me papers for court appearance. They have called me, my husband, my daughter and my mother and mother in law claiming to need to serve me papers for a court appearance and threatening to physically go to my employer to try to serve me there. I have spoken to the originating co several times over the last year telling them not to contact me again. This co has a 3rd party call for them stating that there is an upcoming court appearance that I am required to attend yet when I call the number that they give me, it is a collector who refuses to provide the name of the company that they work for. I have told them no less than 10 times not to contact me yet they continue to reach out not only to me but to my family members. The debt was to XXXX, it is almost 10 years old, for less than {$500.00} and it was charged off by XXXX several years ago. The initial phone calls are coming from XXXX ... when I call back, it wont connect. The message says to call XXXX and they refuse to tell me who they are other than that they are acting on behalf of XXXX. Once again, today, I told them not to contact me, that I have told them not to contact me already several times and that I have already filed a complaint against them and I was told that " it doesnt matter ''. They are rude, dimissive and dont really care that they are violating the law by continuing to contact me. They have called me no less than 15 times over the past month PLUS called family members who they worried thinking that I was getting sued. AND, the message that they leave, although it says that its for me only, is left in its entirety on my family voice mails. I am tired of the harassment and their tactics and would really appreciate some help from you as this is the FOURTH time Ive submitted a complaint.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TriVerity, Inc. (OR)

XXXXXXXX XXXX ; I am writing in response to your recent communications and actions regarding an alleged debt that you claim to have purchased from XXXX. As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have certain rights that protect me from unlawful collection practices, including unauthorized access to my credit reports. 

Under the FDCPA ( XXXX XXXX. XXXX ), you are required to provide validation of the debt upon my request, including evidence that you have the legal right to collect this debt. To date, you have failed to provide sufficient validation of this alleged debt. The credit card agreement you provided between myself and the original creditor does not constitute a valid contract between myself and your company. I have no contractual obligation or agreement with Triverity and therefore, you do not have the right to collect this debt from me. I refuse to pay. 

Additionally, I have discovered that you have accessed my credit reports without my consent or permissible purpose. Under the FCRA ( 15 U.S.C. 1681b ), a party may only access a consumer 's credit report for specific permissible purposes, including but not limited to, an existing credit relationship, a court order, or the consumer 's consent. Your company does not have a valid contract or agreement with me that would establish such a permissible purpose. 

Your claim that you have the right to access my credit reports based on an agreement between myself and the original creditor is invalid. You, as the debt buyer, do not have a direct contract with me, and my relationship with the original creditor does not automatically transfer to you. Therefore, your access to my credit reports constitutes a violation of the FCRA. You also do not have my written explicit consent, or consent from any Court to communicate with me in any form, which includes communication via credit reporting, or pulling my personal private consumer credit profile. 

I request that you provide proof of any permissible purpose that would justify your access to my credit reports. If you fail to provide such proof, I will pursue all available legal remedies. 

Failure to comply with my requests within 30 days will result in further legal action to protect my rights under the FDCPA and FCRA. 

I look forward to your prompt response and the immediate correction of your actions.
Consumer complaint received 2020-09-21
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)

I HAVE STATED TO TRANSUNION MANY TIMES THAT I DID NOT OPEN THIS ACCOUNT AND IT NEEDS TO BE REMOVED FROM MY CREDIT PROFILE ASAP AS IT HAS HARM MY LIFESTYLE AND BUSINESS
Consumer complaint received 2016-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: International Computer Systems, Inc. (NM)

Received a collection notice from First Collection Services ( " FCS '' ) on an old XXXX Internet/Phone bundle account that was discontinued XXXX, 2015. 

I sent my XXXX 's final bill to FCS as proof to show that there is no balance due on that account and that no money is owed. 

FCS however disregarded the furnished evidence of absolute facts, but rather chose to validate the charge on outdated information obtained from XXXX.
Consumer complaint received 2019-09-01
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. (IL)

I disputed an " adverse account '' with multiple errors to Transunion numerous times & they refuse to revise/correct the errors. This has caused 8 or more credit denials, hard inquiries & has harmed my creditworthiness/ reputation. On XX/XX/XXXX I paid XXXX XXXX   Hospital {$600.00} for XXXX & exam of my dog, XXXX. This left a balance of {$570.00}. I returned to XXXX XXXX Hospital with XXXX for emergency XXXX on XX/XX/XXXX. I was forced to pay {$900.00} ( half of the estimate of XXXX ) on XX/XX/XXXX before emergency XXXX to remove XXXX XXXX XXXX, which had started to XXXX. XXXX applied the {$900.00} to my {$570.00} balance from XX/XX/XXXX, leaving a CREDIT of {$320.00} on my account. I paid an additional {$900.00} on XX/XX/XXXX when XXXX was released from XXXX XXXX Hospital. There were 3 additional credit adjustments on my account as well, on XX/XX/XXXX. ( Please see attachments for the statements and proof of payments and adjustments ). My balance ( with the {$320.00} credit ) should be {$900.00}. XXXX has NEVER applied the {$320.00} credit to my account. Instead, they report as IN COLLECTIONS/ ATTY from XX/XX/XXXX - XX/XX/XXXX. I have NEVER been contacted by a collection agency or atty! From XX/XX/XXXX - XX/XX/XXXX, without notification, XXXX began reporting a monthly balance of {$1200.00} and payments of XXXX. This makes it look like I have been late monthly to creditors. I have paid {$2400.00} none of which is being reported by XXXX. I have pointed this out to Transunion via many disputes and they never change a thing on my credit report.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Advanced Resolution Services Inc. (AZ)

XXXX ignored my request They have never verified the information I have a code of violation that I have send ftc report for identity theft on over XXXX violation XXXX has on my report XXXX insist the account were verified but not notifying what and who validated the information I believe several infraction have been violated Following violation : 15usc 6802 15usc1681c-2 18usc10284 15usc1682g 15usc1681i 15usc1681b 15usc1681s-2. 15usc1681c2 15-1692g 15usc1692-1692p 15usc1692e Fcra sections : 609. 611. 623 Violation of law part 611 a 1 604 a 3 Violation 605 c. Violation 623 part ( a ) ( 5 ) ( B ) ( ii ) Bankruptcy 15usc1681a2b Hard inquires 18usc1028A 15usc1601 change off accounts 31usc sec 3123 all debts are United States obligations
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (AZ)

I made a purchase with XXXX, but instead of using my card it asked if I wanted 6 months free interest with XXXX so I went ahead and paid with XXXX. Out of the blue about 6 months later I get a bill for almost {$800.00} on my credit card. At the time I was not paying attention, I just paid bills off. It dawned on me I hadnt bought anything with XXXX so I called and talked with them and the girl I was speaking with said she would get me a supervisor, right after she reports a dispute, supervisor comes on and recognizes the mistake that has been made and refunds me my money, ( this is 3 months later ) not like me saying I need to take that payment back. But they never removed the dispute, so I get a bill in the mail a few months later saying I have missed a payment I have late charges and now Im calling again speaking with the fraud department who acknowledges that this definitely needs to be removed, but they need to send me to the right people to fix it. So now Im talking to a girl who said after 2 hours of them listening to my recorded phone calls, that she is going to get it fixed and will call me the following week, that was 2 weeks ago. And yes I have received another bill and late charges and reporting to the credit bureau! I have sent them all the proof that XXXX paid this bill, even had a couple returns where XXXX would refund them some money! They arent fixing it, they dont care and they are ruining my credit!
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX.

XXXX  . XXXX XXXX, CA XXXX AND please REMOVE all other previous addresses like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Thank you!