davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They keep calling over and over and will not stop. we don't owe any one any money to where they send a debt collector to contact us. we have great credit and we pay our bills. we would like to have this company to stop calling and do not contact us through any means. Thank You.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I opened up a checking account in my name and deposited 2 checks {$3200.00} and {$100.00}, from XXXX without issue in the middle of XX/XX/2021. On XX/XX/XXXX Chase without notice lock my account and removed my funds and after contacting them sent me a letter which I never received and said they called me which I can prove they never called. Chase asked me for a contact at XXXX  so after a few weeks I did find it and tried to pass this on last week ( XX/XX/XXXX ) and called daily where Chase agent who was helping our case XXXX refused to take any calls and said our case was closed. XXXX gave us one option and that was to have them go to a bank branch and do who knows what, no details was given. He didn't provide what they need to show to prove they wrote the checks and I don't have a bank account any longer to give them the number to XXXX. Another agent when we tried to talk to a supervisor and was denied told us to give them our social security number which is a violation of PII since XXXX  doesn't have my SSN and I don't know why Chase would recommend that.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (TX)

I.Q. DATA INTERNATIO is a company reporting that I have NOT paid off {$1200.00} on my credit. I have paid this company, but they are asking me for a total of {$9000.00} to get it taken off of my credit because of another account that is not on my credit. I tried to contact them to have what was on my credit taken off, but they demand a larger amount than what is being reported on my account. I have the payment latter stating that I have PAID IN FULL. But they still will not remove this.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (FL)

I am writing today in regards to my account with BMW Financial Services account # XXXX. I notice a late pay reporting in XX/XX/2020 and XX/XX/2020. This is during the declared pandemic by XXXX and Congress which the Cares Act was passed to assist anyone impacted during that time. I was greatly impacted at the time and was in the hospital and unable to make those payments. Once I was able to get my account up to date I made my payment immediately and have been on time since.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from credit XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXX XXXX Account Number XXXX Balance {$3400.00} XXXX XXXX Account Number XXXX Balance {$16000.00}
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (CA)

Finance Company lost interest to a vehicle that was stored in a body shop for damage that occurred through a tow truck company. Body shop wanted an excessive amount that was not afforded by myself or the finance company. Finance company  agreed to release interest in vehicle and release any liability or responsibility I had on vehicle. To this date there is a balance on my credit report and it is documented as a reposession. 

I would like this information corrected on my credit report per the agreement we had.
Consumer complaint received 2021-07-19
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. (CA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I had a car loan with XXXX. XXXX was closed when I sold the vehicle to a dealership on XX/XX/XXXX. XXXX has reported XX/XX/XXXX payment as late to all credit agencies. Per attached documents, the vehicle was sold before XX/XX/XXXX payment was late. When vehicle was sold I got a 30 day payoff amount. This was no longer my vehicle at the time the XXXX payment was late. 

I DEMAND THAT ALL PAYMENTS ARE CORRECTED AND REPORTED AS CURRENT TO ALL CREDIT AGENCIES.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (GA)

On XX/XX/2021, I received communication from a debt collection agency requesting payment from an unpaid debt to XXXX 's XXXX XXXX XXXX XXXX in the amount of XXXX ( XXXX + service charges XXXX XXXX. The amount is to be sent to TRS Recovery Services XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX. 
Reference # XXXX There is a GA XXXX XXXX XXXX, XXXX, GA XXXX, and inquiries telephone numbers, XXXX, XXXX listed as well. 
I do not owe this debt. My last payment of XXXX was made to the credit card that XXXX 's promotes in XX/XX/2021. XXXX 's has no record of this debt and the credit card company shows a zero balance. 
As you will note that my address is not correct in the letter and this club does not allow products to leave the store without payment.
Consumer complaint received 2021-07-18
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: Bread Financial Holdings, Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: PENTAGON FEDERAL CREDIT UNION (OH)

Ordered five {$100.00} pre-paid VISA cards through our PenFed Rewards program. Received XX/XX/XXXX with expiration date of XX/XX/XXXX. Contacted Penfed on XX/XX/XXXX because we didn't realize they expired so quickly. Asked for new cards to be issued in the amount of {$500.00} and that we were willing to pay the {$5.00} processing fee per card to do so ( {$5.00} x 5 cards = {$29.00} ), as printed on the cards. Penfed refused to credit the money or re-issue the cards, so I asked to speak with a supervisor. Received a phone call on XX/XX/XXXX and was told the cards could not be re-issued, nor could our {$500.00} be sent to us via check, transfer, etc. They also said they would not refund our reward points spent ( XXXX  points ) to negate the {$500.00} loss. I asked to speak to that person 's supervisor and received another phone call on XX/XX/XXXX. I was told they would credit our reward points balance with XXXX points. So, at this point, we only received half of our points back, so we effectively lost {$250.00}.
Consumer complaint received 2021-01-27
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. (TX)

An account from XXXX XXXX XXXX is reporting on my credit report currently. This alleged debt is the result of an identity theft that apparently occurred quite some time ago. I have not ever opened an account with XXXX XXXX XXXX or XXXX XXXX  XXXX  XXXX. I have disputed this debt and requested verification under Section 609 FCRA and although 90 days have elapsed the only item I have ever seen is an uploaded notice from XX/XX/XXXXsent to an address that I have never lived at. Despite my claims and disputes XXXX, XXXX  and Transunion continue to allow this erroneous item to be reported to my credit bureau despite my plethora of requests to XXXX, XXXX and Transunion notifying them that XX/XX/XXXXis not complying with Section 609 FCRA. 

I am attaching a notice of a press release from the CFPB where they sued XXXX for the very same conduct they are currently engaging in regarding me. XXXX according to the lawsuit buys debt and is it able to provide documentation in the event of a dispute. Each of the credit reporting agencies have received notice of my dispute on at least three  occasions but they continue to report the erroneous item on my credit file. This complaint will once again reiterate the fact that as of the submission of this complaint some 90 days after my first dispute and written notice to XXXX, XXXX and Transunion that neither XXXX XXXX XXXX nor XXXX have complied with Section 609 FCRA which requires each of them to provide me with specific documentation pursuant to my complaint of identity theft ; which neither of them to date.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called transunion talked with a customer service rep and a supervisor no one would help me resolve my credit issues I have unknown inquiries on my credit report I informed the customer service rep and the supervisor I have not applied for any new credit and needed help getting these inquiries removed. I was put on hold for at least 20 mins and not one customer service rep could help me. I am in the process of buying a house and need these inquiries removed so I can move on with my process.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I would just like to make this bureau aware that I have successfully changed loan servicing from XXXX XXXX to SPS Servicing. 
The account being on escrow along with XXXX XXXX has cheated me of XXXX  of dollars per tbe City of XXXX as my investor etc etc It is with with my intent to close the escrow account requirement from my mortgage with XXXX XXXX XXXX XXXX at this time. I have asked that they credit back the Itemization Interest Calculated and Escrow/ Impound Advance Balance. I have duely paid my house insurance for the year as well as sewer/water have been paid in full for the year. I also have attempted to pay my house taxes, however payment was returned because the due date is after XX/XX/2021. 
This request is very important to me, due to a chronic illness of XXXX XXXX my eldest daughter is experiencing, the revenue interruptions caused by the pandemic, along with my fixed income coupled with a part time business. 
I really look forward to this company honoring my request during this pandemic.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-07-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I keep getting notices from Lakeview loan servicing XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. I have left them a number of voice mail messages and returned a number of pieces of mail that they keep sending to my address for a XXXX XXXX who lives at XXXX XXXX XXXX XXXX which is also XXXX XXXX. suspect that this is due to the realator making an error on the listing address of the house XXXX XXXX ended up buying at XXXX XXXX XXXX XXXX. 

I am concerned that these mortgage documents might be filed on my address incorrectly as my mortage is with XXXX XXXX and i have no idea who Lakeview is other then they don't answer the phone nor do they return phone calls
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, it is XXXX XXXX I want to express my case regarding the late payment on XX/XX/2020, I came down with XXXX  and my business suffered, when I called Capital One to get Covid relief they put me on hold and kept transferring me and I ended not getting a deferment. 

Later Capital One blocked off access to me online account, I could not access the account. Capital One put this business account on my credit report and reported it as a personal account instead of a business account. Capital One failed to send me notice required by law letting me know adverse info was about to be reported to my credit report.

I want that Capital removed the XX/XX/2020 delinquency from all credit bureaus.
Consumer complaint received 2021-06-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Real Time Group, Inc. (SC)

The status of the account is incorrect. The status should say Transferred/Sold to another lender. Mortgage lenders believe this is a foreclosure and we are still in possession of our home. Its Real Time Solutions
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (MA)

Hi KINGSTON DATA AND CREDIT INTERNATIONAL INC. ; ( XXXX XXXX XXXXXXXX MA ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.