davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am aware that Experian has been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using information that is available to everyone on the internet. They did not process my letters, and are violating 15 U.S. Code 5 1681i. Keep in mind, they are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you or they receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says I need to provide a Power of Attorney in order to delay processing letters from a consumer. If they do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will be ready to take legal actions myself or contact my lawyer to take legal action or in this case report they blatant disregard to the CFPB.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/27 - contacted Chase to let them know a fraudulent purchase was made to XXXX XXXX for 6 tickets in the amount of {$1600.00} and they told me that it was taken care of and would not show on my next bill. 

XXXX statements were fine but when XXXX statements came the charges showed and I called to ask why its appearing on my statements. 

XXXX - contacted Chase to report the fraudulent claim again. 

XXXX sent a virtual letter letting me know that they reviewed my fraud claim again and that I am responsible for the amount!!!!!
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me.

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. I am now
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AZ)

I got a letter in mail from XXXX on XX/XX/year> via XXXX stating original creditor is Prosper, and Jefferson is now the creditor ( dont know who they are never got anything from them XXXX XXXX but XXXX XXXX notice of debt via XXXX and I disputed it via email on XX/XX/year> ( copies of debt notice and email are included ) XXXX was notified via electronic dispute on or about XX/XX/year> about Jefferson adding this to my credit without me being notified, yet they resolved the issue as verified. Not sure what kind of investigation was done when nothing was requested from me, I have no clue who Jefferson Capital is and never received anything from them in regards to this debt XXXX has sent me Notice of.
Consumer complaint received 2021-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation (CA)

In mid XXXX I had completed the last of 9+ {$270.00} to my collection agency of which GSMR had converted my account too. After completing this rehabilitation goal and paperwork the collection agency continued to draw payments when I subsequently cancelled. GSMR / XXXX is supposed to take the account back but to date XXXX late XXXX XXXX they have not done so. Recent news headlines give an idea as to why. This is after years of harassment from the company non-stop phone calls and physical mail. Also inconsistent credit hits when payments have been made. This company is fraudulent.
Consumer complaint received 2021-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I came to learned of 3 Bank Of America account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within 7 business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person ( s ) who committed the fraud but Bank of America made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report.
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

Caliber Home Loans does not offer a way to speak to a human being. They have an automated attendant that loops customers around only people wanting to begin a new loan have the ability to speak to a person. I believe customers are legally entitled to a number where they can speak to a person about their current loan. A very suspect company.
Consumer complaint received 2021-07-21
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: Resurgent Capital Services L.P. (TX)

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 XXXXLVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX 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 2021-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

I was a victim of a foreign initiated elder abuse financial scamming scheme that was facilitated, in part, by improper actions taken by representatives TD Bank NA. 
Scam occurred on XX/XX/2021in the amount of {$28000.00}, see attached summary documents for a more defined understanding of my complaint.
Consumer complaint received 2021-07-21
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: Experian Information Solutions Inc. (WI)

I have been disputing inaccurate information on my credit report with Experian, XXXX  and XXXX  and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (DE)

THIS COMPANY USED ILLEGAL TACTICS TO COLLECT ON ALLEGED DEBT THAT I DO NOT OWE. THEY THREATENED ME NUMEROUS OF TIMES OVER THE PHONE. 
FURNISHED A COLLECTION ACCOUNT ON MY CONSUMER REPORT WITHOUT AUTHORIZATION OR VALIDATION. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THIS ACCOUNT.BLOCK AND REMOVE IT FROM ALL CREDIT REPORTING AGENCIES. IM ALSO SEEKING REMEDY FOR THE BLATANT VIOLATIONS OF MY CONSUMER RIGHTS WITH NO REGUARD TO THE FEDERAL LAW. ACCORDING TO FCRA 605b THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL THE INVESTIGATION IS OVER.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC. (OH)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH Please see attached the response that I received from the debt collector HMC Group. It does not matter how many times I file a complaint against them by law they must respond to each and every point and dispute that I, the consumer brings to them. Being that they clearly failed to respond to the attached Affidavit of Truth, that was sent to them yesterday XX/XX/XXXX, the Affidavit stands at truth as an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Therefore as a consumer I am now demanding that HMC Group zero out the balance of this alleged account and delete any and all references to this alleged account.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc. (IL)

On XX/XX/2021 and XX/XX/2021 Ars Natl Svc called me and did not leave a voicemail. After XXXX  this company, I found out that they were debt collectors. I reached out to an online rep to get an address so that I could mail this company a letter stating that the debt is disputed and to provide validation. I never received any written notice or a letter stating that I had the right to dispute, so I sent a dispute letter anyway so that I was within my time limits of the FCRA when responding to debt collectors. On XX/XX/2021 I sent the dispute letter to this company via certified mail to the address that a rep gave me. It is now XX/XX/2021 and this company is calling me again leaving no voicemails and sending no validation letters. The company resumed calling me XX/XX/2021. I still have not received any written notice or response from this company.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo garnished my STIMULUS THATS IRS SAID WAS ILLEGAL TO garnish regardless of how late I received my stimulus! For a overdraft that was on my account by error of WELLS FARGO! No matter how many times you tell Wells Fargo that money was stolen out your account they will not care! Wells Fargo are thieves they need to be investigated!!!
Consumer complaint received 2021-07-21
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. (OH)

Why Does TransUnion Show Omitted Public Record Information on my credit file? What is this? This needs to be removed. I have no public records to have reported. Please ask them why they allow Miscellaneous misinformation on my credit report please? XXXX  doesn't have this neither should any other credit reporting agency.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

During the COVID-19 pandemic, Capital One bank maliciously and intentionally misreported balance and payment owed ruining my credit history. Theyve repeatedly refused to correct this despite 16 emails, 8 phone calls, 4 certified letters. In XX/XX/2020, payments made in good faith to capital one under business corporate card did not go through twice due to insufficient funds financial hardship during COVID, Capital one then closed the business account and personal account. I did not owe any money at all on the personal account ending in XXXX because I deposited {$500.00} for a security deposit and additionally received a merchant credit of {$840.00}. Capital one has fraudulently claimed the {$500.00} security deposit as money owed to them and is actually charging me interest and late fees on my very own money I entrusted in them. This card was initially {$500.00} secured credit card but due to a merchant crediting me {$840.00} the secured credit line was {$1300.00}. Capital one has taken these funds and claimed as their own further charging interest and fees on MY OWN MONEY. In the process have desecrated and maligned my entire financial history Ive tried to rebuild due to their fraudulent reporting and illegal charging throughout a pandemic. Ive requested for over a year now to rectify this
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

THIS IS NOT A DUPLICATE- I am submitting this formal complaint regarding the unlawful debt collection practices and improper credit reporting by Portfolio Recovery Associates , LLC ( PRA ). Over the course of the past several months, I have been diligently trying to resolve this issue through multiple disputes with the CFPB. However, despite my efforts, PRA continues to furnish the same invalid information, failing to address the legal violations surrounding this account. 

As of today, XX/XX/year>, I have once again received the same documentation from PRA that I received a few weeks ago, following my previous complaint filed on XX/XX/year>. The information provided by PRA continues to prove that : The debt is time-barred under Louisiana law : The last payment on this account was made more than three years ago, and thus the debt is now past the prescription period for collection, per Louisiana Civil Code 3494, which establishes a three-year statute of limitations for open accounts. Despite this, PRA insists on pursuing collection, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA 807 ( 5 ) ).

No Final Demand Letter was sent : In violation of Louisiana Revised Statutes 9:3527, XXXX XXXX  did not issue a final demand letter before charging off and selling the account. The only correspondence PRA has produced is a letter of sale, which is insufficient under Louisiana law.

Premature Charge-Off : The account was charged off two days before the due date, which is improper and violates the terms of my agreement with XXXX XXXX  XXXX This premature charge-off means the account should not have been sold to PRA in the first place.

Despite the clarity of these violations, PRA has continued to assert that the debt is valid, providing the same unsubstantiated documentation in response to each of my complaints. Their failure to address the factual and legal issues surrounding this debt, and their ongoing attempts to collect, are not only frustrating but also unlawful. 

I have submitted a formal dispute through Portfolio Recovery Associates dispute email and have attached documentation.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Service Finance Holdings, LLC (FL)

On XX/XX/XXXX I got a personal loan with Service Finance Company LLC for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX. 
During the Deferral Period : 1. Late Notices will be disabled.

2. Late Fees will be disabled. 
3. SFC will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster. 
4. Payments will be suspended and added to the term of the Loan. 
5. If your Loan is a Promotional Loan, the remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires. 
6. Billing Statements will be suspended.

7. Interest will continue to accrue during the 120-day period.

8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.

9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect. 
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call Service Finance Company in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru Service Finance Company has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.
Consumer complaint received 2021-07-21
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: Experian Information Solutions Inc. (IA)

I sent a dispute letter to Experian pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2021-07-21
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. (TX)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2021-07-21
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. (IL)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Made a purchase with an online clothing store on XX/XX/2021. Order was delivered the following month. Items delivered were not the same as advertised on the clothing website which made me look up reviews on the website. I discovered that the website has mislead numerous customers with their false advertising and that they have also not given full refunds for items purchased. I made a claim with my financial institution and they said they would examine it and get back with me with the final settlement. On XX/XX/2021, I received a notification that my financial institution was unable to pay back the money charged from the fraudulent business.