davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I noticed that I had a collection from XXXXXXXX XXXX XXXX XXXXXXXX ( account # XXXX ) on all my credit reports in XX/XX/XXXX. I sent letters to XXXX ( which had Portfolio Recovery Associates ( PRA ) address ) and the 3 major credit reporting agencies for debt validation of the account. I mailed my first letter to PRA on XX/XX/XXXX, and mailed a letter to XXXX, XXXX, and XXXX  on XX/XX/XXXX. I received a letter from PRA with XXXX XXXX statements, but my credit reports show the account was XXXX and just opened my first XXXX XXXX charge account in XXXX which has never been late. I sent another letter to the credit reporting agencies and PRA that was notarized that the data wasn't correct and to revalidate it. All the credit reporting agencies came back as validated and PRA responded with a letter dated XX/XX/XXXX that the dispute alleges no new facts, so they will not respond to my request. 

XXXX shows PRA as the original creditor, but XXXX and XXXX  show XXXX as the original creditor and XXXX is also listing XXXX as a Factoring company which PRA is not and now PRA is showing a payment history of Failed to Pay ever month since I sent the first debt validation. 

XXXX is shown as the original creditor on 2 of the 3 credit reporting agencies and after calling XXXX on XX/XX/XXXX, they had no knowledge why PRA is using their name since they said that PRA no authority to report as XXXX. 

Portfolio Recovery is knowingly reporting false information to the credit reporting agencies, which is damaging my credit rating. 

Here are the issues with my credit reports : PRA is false representation themselves as XXXX without authority from XXXX PRA is listing as a Factoring Company when they are legally a Debt Buyer PRA is now showing a payment history in retaliation to my debt validation in XX/XX/XXXX PRA is listing One Month Terms and I have no terms and/or agreement with then PRA set the Delinquency First Reported to a date after they received the debt to re-age the account PRA and the credit reporting agencies failed to comply with its obligations to investigate and remove incorrect information. 

After getting legal advice about the issues above, I was informed that the credit reporting agencies and PRA are in violation of the following FCRA & FDCPA violations : 15 U.S. Code 1692e ( 8 ), 15 U.S. Code 1692e ( 10 ), 15 U.S. Code 1692e ( 14 ) & 15 U.S. Code 1692f : ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
Consumer complaint received 2018-08-21
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: SYNCHRONY FINANCIAL (DC)

I paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my XXXX   report. I filed a dispute with XXXX and the account is still not updated. All other credit bureaus are updated correctly.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (GA)

Received a letter on XX/XX/2018 from Radius Global Solutions LLC trying to collect a debt for {$150.00} with XXXX XXXX that is in good standing and NOT in default. The account is closed but payments are being made. I believe this company is trying to scam people into thinking their account is in default. I requesting that XXXX XXXX be contacted so they can confirm my account is in good standing. XXXX would not be sending statements if I was in default.I have attached the last statement from XXXX.
Consumer complaint received 2021-04-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First Direct Mediation (CA)

First Direct Mediation located in XXXX, New York is allegedly attempting to collect very old debt that is time-barred in the State of California. They have not provided any written verification of said debt, but have continued to make phone calls to me, my place of employment, family and friends. This company, through various " civil processing department '' representatives, indicates that I will be receiving court summons in the next 24 hours unless I contact the debt collection company to resolve the matter. They call using various robot phone numbers and their threatening voice mails have been retained. I have asked the company to cease all debt collection and abide by the laws of the Fair Debt Collection Practices Act, which they continue to ignore. Most recently, they called me, my family and friends on XXXX  leaving threatening messages as well. Despite their threats of court summons the past few weeks, no one ( as of yet ) has provided such summons. I have blocked their number ( s ) going forward and sent the email attached. This seems like an elaborate scam and attempt to extort money. Phone # s they have used are : XXXX, XXXX and other phantom numbers.
Consumer complaint received 2021-04-23
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: Sequium Asset Solutions, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX SEQUIUM ( Original Creditor : 11 XXXX  XXXX  ) XXXX XXXX.. XXXX  ( Original Creditor : 09 XXXX  XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with XXXX XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX  informed me that to do that XXXX would have to run my credit report again at that point I told XXXX  that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly after Associate XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission XXXX run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.
Consumer complaint received 2015-12-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Told me in order for legal action to be seized, I would have to pay a lump sum of {$720.00} or XXXX monthly payments of {$370.00}. I only had until XXXX/XXXX/16 to make either payment arrangements. Which was 7 days from the date I was contacted. Advised that my wages would be garnished and/or my taxes would be taken once they 're filed if I had n't made arrangements by then.
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I am contacting you in regards to my student loan with Navient. To start, let me briefly explain.I had previously made payment arrangement through consolidation back in XXXX 2015 and I assumed the payments were being made through direct payment via credit card. I had no idea that my loan was in potential default. I had no access to my gmail account and was notified by my employer to contact Navient immediately. I did just that and was advised that I need to full pay my total balance due no later than XXXX/XXXX/15 which is over $ 13k.I am in not situation where I can full pay this loan and was hoping to set up another payment arrangement. I was told they will not work with me unless I am full paying the balance due and further collection action will be taken on or after XXXX/XXXX/15. I would really like to set up another payment arrangement if you can help with this matter it would be greatly appreciated. 

Thank you for your consideration. 
XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NH)

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request SYNCB/JC PENNEY DC to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Consumer complaint received 2018-08-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This is being sent in response to notices sent to me from " XXXX XXXX XXXX " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

The XXXX XXXX XXXX XXXX is suppose to be reporting monthly, the accurate balance, and payment status as current, but the latest credit report shows it was reported on XX/XX/2018 as showing the incorrect balance owed, and I have spoke with a bank represenative a month ago to try and resolve the issue to no avail. It is not helping my credit score to report inaccurate information. I have tried to resolve it but they are still reporting the wrong balance as {$370.00}, when I actually owe {$290.00}. MY credit report says the last time it was updated was XX/XX/2018. The account # for the secured loan, is, XXXX.
Consumer complaint received 2018-08-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

On XX/XX/2018, I received a letter from my current mortgage company ( XXXX XXXX XXXX ) informing me that they sold my mortgage to Carrington Mortgage Services , LLC . As of today, XXXX XX/XX/2018, I have received no information from Carrington, who according to XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/2018. I believe that they ( Carrington ) are legally bound to notify me that they are taking over my mortgage within 15 days of the transfer date, and provide me with the appropriate information to continue to pay my mortgage. They have not. Please advise on what I need to do.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CA)

XX/XX/XXXX I want to complain about VW credit for their 1 ) Mismanaged service, 2 ) Excessive wait times, and 3 ) Faulty equipment that makes it impossible to pay by phone.

My wife attempted to make a payment on our VW account. No matter how many times I have authorized her to make payments on this account, VW has denied her.

Which means that every time she attempts to make a payment, she needs to reinput all the numbers on our bank account after waiting an excessively long time.

Today, she waited on her phone over 20 minutes to speak to a supervisor in addition to the 15 minutes to wait for a person to take the account number after their system did not accept the account number punched in.

Their attempt to " help '' was to call me during business hours. This is not acceptable as I'm in meetings most of the day. As I already had authorized my wife to make payments by phone, this should not have been an issue.
Consumer complaint received 2018-08-21
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: DISCOVER BANK (CA)

I am asking for clarification on the Fair Credit Billing Act and why Discover believes it is immune from this law. 

Per Section 161 ( 3 ) ( B ), the creditor shall complete a dispute request no later than " two complete billing cycles. '' I filed two disputes for charges related to non-received merchandise on XX/XX/18. Since then, two full billing cycles have passed, but there is no resolution on the matter. 

Discover 's current/most recent " Bill of Rights '' does not address the " two billing cycles '' mandate in regards to dispute resolution : https : //www.discover.com/credit-cards/help-center/assets/BillingRights.pdf Per the FTC 's website : https : //www.consumer.ftc.gov/XXXX " Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies.
Consumer complaint received 2018-08-21
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: AMERICAN EXPRESS COMPANY (FL)

I got a " Credit Card '' from American Express last year ( 2017 ). 

I made an error in getting this " Credit Card '' because it was not a common Credit Card ; they required you to pay 100 % at the end of each month. So I decided to cancelled it. 

Before cancelling the " Credit Card '' I made the following payments : XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$400.00} Last days of XXXX, I called AMEX to please charge the FULL amount I owed at that time, and cancel the Credit Card. Because I only had it for 5 months ( or so ), they delete the annual subscription fee ( {$400.00} ) and told me that the amount due was {$2000.00}. So they did charge 100 % of the amount due on XX/XX/XXXX to my bank account. 

Since XX/XX/XXXX, I didn't have AMEX anymore, an nothing owning them neither. 

BUT, on XXXX I identified a late payment on my credit score from AMEX ... Called to see WHY and HOW, could I have a debt with them if I already called in XXXX and PAID 100 % and cancelled the credit card. 

They told me was an AMEX error, and deleted the late payment fees but anyway charged me {$120.00} -telling me that NOW I didn't owe nothing. 

BUT ( 2 ) ... In XXXX, again it appeared a late payment on my credit score, so I called back again.. they said I had 2 late payment fees, but was an error from AMEX.. so they delete those " late payments '' again.. 

The problem today, is that since XXXX that I told them to charge 100 % and cancel my credit card, they have been nice to delete those " invented fees '' but they say, that they are not able to delete that from my Credit Score I would appreciate you listen the calls and take action, because it's not fair to have " late payments '' for the las 4 months on my credit score because of their error. 

I appreciate your time. 

Best regards, XXXX XXXX
Consumer complaint received 2018-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent an investigation request to XXXX and Trans Union. Over 30 days have past, and they have yet to respond.
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is ripping people off they say you were email letting you know when your new credit card statement is available what so imagine about making the payment but that wants to let you know that your card maybe over the limit because they give me to charge you the finance fee would interest rates which is cause my car to be over credit limit but they reported to the credit agency over my limit but it 's no fun of my own I was under my limit but because they charge the final three in interest right now let me know which caused my card to be over the limit
Consumer complaint received 2017-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On Friday, XX/XX/XXXX, I visited the Union Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA. I have a HELOC with Union Bank, with a balance of about {$15000.00}. I approached the teller and stated that I wanted to write a check from my XXXX XXXX XXXX checking account for {$2000.00} and apply against my HELOC balance. The teller instructed me to write the check payable to " Union Bank, '' which I did. The teller processed my check and I left the branch. On XX/XX/XXXX, XXXX XXXX XXXX XXXX online banking showed that the check was cashed by Union Bank. However, I did not see that this check had been applied to my HELOC account balance at Union Bank. I called Union Bank on XX/XX/XXXX and after the customer service department contacting the branch manager ( XXXX ), I was told that the Branch Manager was aware of this check and that the {$2000.00} payment would be applied to my HELOC balance " the next morning '' ( morning ofXX/XX/XXXX ). However, this amount was not applied to my balance the morning ofXX/XX/XXXX, so I called Union Bank customer service again. They ( again ) contacted the branch manager ( " XXXX '' ) who told the customer service rep that they were not sure what happened to the funds. They refused to talk to me directly. Meanwhile, I am out {$2000.00}. Thank you.
Consumer complaint received 2017-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XXXX of 2017. I contacted citibank and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state citibank is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone onXX/XX/XXXXand the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.