davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I've been taking the proper steps to fix my credit report for, months & yet they still have an account still reporting to my credit report : PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX I'm overwhelmed with confusion and frustration on why it's still reporting to all bureaus ; this debt was unfamiliar, and despite my requests for validation under consumer protection laws, their response was evasive and non-compliant. They had sidestepped the regulations meant to safeguard consumers, ignoring my rights to verification and transparency. It's been more than 30 days and all they say is they have updated everything and nothing gets changed from my dispute process on my credit report.
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Under the doctrine Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Portfolio Recovery Associates on a matter that pertains to my credit. I have been a victim of fraud. I sent Portfolio Recovery Associates a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Portfolio Recovery Associates to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Portfolio Recovery Associates and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Portfolio Recovery Associates You can not because this is not my debt nor do I owe Portfolio Recovery Associates anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM PORTFOLIO RECOVERY ASSOCIATES NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XXXX XXXX has had this in my credit for more than nine years, violating my rights. They sold the debt to a company that keeps treating me and saying bad words on my phone, saying they will stop when I pay. They also said they don't care that this is more than nine years, and I will pay. I don't understand if it is seven years ; they can do nine and still treat people. They violate every right, and no one listens. I disputed numerous times, and there was no response, neither erasing only threats.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (MI)

XXXX, XXXX, & Sagestream continue to report incorrect information on my consumer report my name is XXXX XXXX And my address is XXXX XXXX XXXX, MI XXXX there should be no other names or addresses listed on my consumer report.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

XXXX, LexisNexis, & XXXX continue to report incorrect information on my consumer report my name is XXXX XXXX And my address is XXXX XXXX XXXX, MI XXXX there should be no other names or addresses listed on my consumer report.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states u have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am not liable for this debt of {$480.00} with PORTFOLIO RECOVERY ASSOCIATES, PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ID Analytics, Inc. (TX)

XXXX, XXXX, & Sagestream continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other names or addresses listed on my consumer report. I have repeatedly asked that these consumer agencies update and provide a new report immediately and I have not received any information.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

XXXX, LexisNexis, & XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXX  TX XXXX there should be no other names or addresses listed on my consumer report. I have repeatedly asked that these consumer agencies update and provide a new report immediately and I have not received any information.
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Activehours (GA)

I signed up to receive my direct deposits a few days earlier. They are supposed to take what I owe and give me the rest. I owed {$310.00} and they took my entire check ( {$1300.00} ) and never gave me a single XXXX.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OR)

I had credit card debt with XXXX XXXX. I never received notification from Midland Credit stating that they took over this debt from XXXX XXXX, Nor have they even tried to contact me. They sent this to their attorneys who have recently have XXXX complaints from me on this matter about how this bill turned into an XXXX credit card debt that was originally a little over XXXX. If this debt is truly over XXXX, they need to send me the bill of sale of this information or an itemized letter showing exactly as to how this has been turned into what it is. Including the interest they added onto it. 
They never let me dispute nor even talk to them before they sent it to their attorneys office who is just as crooked as this company is. They had their attorneys sue me regarding this matter. I was never served by anyone and then the next thing I know it I received a garnishment. They attorney 's have all ready taken over XXXX bucks over the time frame. This debt should be considered satisfactory and paid or is this company that greedy? If they expect me to sit quite over this matter they have another thing coming. I know they expect people to not know their rights and is why they and their attorneys have had many class action lawsuits against them. They have me under XXXX XXXX which was my maiden name. Not only that I was in the process of a XXXX situation at this time.
Consumer complaint received 2024-07-25
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (UT)

I have a checking acct with XXXX XXXX XXXX, one of the services is having your credit report checked as a service. This is through a credit reporting agency ; I looked through the reports and Midland credit had their name on my report WITHOUT my knowledge for XXXX dollars, I asked the credit reporting agency to take it off, they did not and said the amount was right, I have been fighting this for months with the same answer, Now XXXX XXXX is on my report as well. I would like these XXXX taken off my credit report. 

Can you help in this I am in a XXXX XXXX so can not go out to fix this myself.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to dispute the validity of the debt associated with the accounts reportedby XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you haveprovided the required validation. Any failure to comply with this request within thestipulated timeframe may result in legal action, including but not limited to a lawsuitfor violations of the FDCPA and FCRA. Please be advised that I am aware of my rightsunder the FDCPA and FCRA and will not hesitate to pursue legal recourse ifnecessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLUMBIA BANKING SYSTEM, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I lost my home in the XXXX XXXX ' fire on the XXXX XXXX in 2020. 
I contacted Umpqua Bank to start a construction loan in XXXX of 2020 ( XXXX XXXX XXXX XXXX ). 
I'm currently in dispute with XXXX, the construction company we used to rebuild the home. They've charged me an additional {$35000.00} price increase for missing a 120 day price lock in which I had no control over. 
I have requested documentation from both the lender and builder to justify why I should absorb this cost when I was not at fault for the delays. I have not received the correspondence I have requested. 
I was issued plans and paid a deposit to start work on XX/XX/XXXX of 2020. I feel mislead in the documentation I was asked to consent when the conditions of the contract where met on my end.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

I received 12 phone calls from a # while I was at work on XX/XX/XXXX. The final call I answered after I got home. The person described themselves as WellsFargo questioning a charge on my acct for {$110.00}. Asked if I accept or decline this charge. During this time I checked the back of my debit card and the number calling matched the one on my debit card. So i figured it was XXXX. They asked for my pin I felt comfortable because I thought it was customer service. They said I'm going to send you a 6 digit code read it back. I did. He said ok. I asked what this charge was for he asked if I had XXXX pay. I did not. I asked why my acct was on XXXX pay he had no idea but said to watch my bank acct and if i see any questionable charges I can file a claim. I though this weird they wouldn't freeze my acct but said no need because no money was actually taken. 2 days later I noticed an email from the bank saying my password was changed. I was unable to log in immediately ingot another email stating my balance went from {$1600.00} to {$1.00}. And a 3rd email saying I made a travel plan. I was looking back and saw an email saying my debit card was added to XXXX pay. Which I did not do. I immediately called wellsfargo the same number on my card they filed a fraud claim for me. Asked if I had given anyone my card or pin. I said no I explained what happened two days before. They said I was scammed. It was not them calling. I sent all the emails and calls screen shots to wells Fargo. They have denied the claim x2 stating that if it was fraud the person would have overdrawn my acct they didn't k ow how much money I had. I tried to explain that they did know because they changed my password on my bank acct and could see how much was in there. They made 2 purchases at the XXXX XXXX. Totalling just over {$1200.00}. I have been on the branch and filed a claim and appealed the denial they keep saying there is no evidence of fraud because the acct was not over drawn that someone had access to the balance. I explained they changed my password and could see what I had so of course it wasn't overdrawn they knew. I swear I did not make these purchased I own an android not an apple phone. I have tried everything to get my money back the bank keeps saying there was no fraud. Despite someone calling me 12 times from a fake XXXX customer service number. Please feel free to call cell with any questions. XXXX. Please help me. I am a healthcare worker struggling to pay my bills they took my whole paycheck and I have bills to pay. They won't work or listen to me. My hair dressers mom had the same thing happen fake call they instantly returned her money. So why am I having so much trouble fighting for what's mine?
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

A couple months ago, around XX/XX/XXXX, I received an email about a CoinBase account with my email on it. I tried signing in and it would not let me reset my password or text my phone. 

I tried getting hold of CoinBase to have them delete this account by email, chat, and phone. 

Email did not get a response. The phone call had a robot that hung up on me. The chat had robot questions and did not send me to anyone. 

Yesterday XX/XX/XXXX at XXXX XXXX I got a message that the phone number changed on my account that I am not familiar with. I am attaching that email to this complaint.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Debt Recovery Solutions, LLC (MO)

i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says Debt Recovery Solutions,, open on XXXX ..i got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on my credit i have tried and tried to dispute this account, but no luck XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting 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. (HI)

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Website Email XXXX XXXX XXXX XXXX  Contact us Advertise here Help Terms of use Pr
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Dear Consumer Finance Bureau, I am writing to file a complaint regarding an uncashed refund check from Chase Bank that has not been resolved despite multiple requests for reissuance. 

The details of the check are as follows : Check Number : XXXX Check Date : XX/XX/year> Check Amount : {$99.00} Issued to : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This check was a refund for the annual fee of my Chase credit card ending in XXXX. The check was voided within 90 days of issuance because it was never cashed. I have requested Chase Bank to reissue a new check on multiple occasions over the past few years, but they have failed to address my request or send a new check. 

I kindly ask for your assistance in this matter and request that Chase Bank be urged to resolve this issue by promptly reissuing the check and mailing it to me at the address provided above. 

Thank you for your time and attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Sent written and email letters which I have proof of an ongoing conversation with myself and Navient about the predatory agreement I was forced into. Asked for an income driven repayment plan and they actually raised the amount that I owed on the overall balance and hiked up the interest rate. Also they dont and said they will not help me any further for repayment plans and they dont offer XXXX XXXX XXXX any grace. XXXX arent paid good but I love the job and it helps me feel good helping other, but I shouldnt have to choose pinging my credit and missing out on a meal to eat due to I have to make unruly payments with the little money I received with paying rent. Please do a deeper search especially in my case I will hand all communication from both parties myself and Navient about how unjust they truly are.