davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (CA)

I have no knowledge of this debt collector. I have asked them to provide me with a purchase agreement from their company and they have failed to provide it. I have been harassed on numerous occasions day after day by this company and have asked them To stop. It has been removed in the past and they keep adding it back to my credit profile.
Consumer complaint received 2019-11-26
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: AMERICAN EXPRESS COMPANY (CA)

A charge of XXXX on my business card for an event that I paid for on XXXX XXXX 2019 for a business XXXX of XXXX event party that was never done by the vendor which I disputed and was told by American Express they dont care I have to pay it which is horrible experience thats why I used my card so I have security but American Express wants me to pay for something I never received and it was an authorized user on my business account that used the card I have excellent credit my credit line is for XXXX and they closed my account without any reason declining to give information its like they are doing it on purpose to ruin my business they issued me the credit than removed it and wont give any reason please if you can assist me in resolving this issue I would greatly appreciate it
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (TX)

To Whom It May Concern, I am writi

ng to formally dispute the validity of a collection account that has recently appeared on my credit report. The account in question is listed as 5058 with a current balance of {$470.00}, and it is negatively impacting my credit score. Upon reviewing my credit report, I discovered this account, which I believe to be fraudulent and inaccurately reported. I have never entered into any contractual agreement with Online Collections GRVL nor have I ever received any services or goods from them.

I am requesting a thorough investigation into this matter to verify the accuracy of the reported information. Please provide me with the following details : Verification of the debt, including the original creditor 's name and contact information.

Proof of any contractual agreement or documentation that supports the validity of this debt.

Documentation showing that the collection agency has the legal right to collect this debt.

Furthermore, I would like to bring to your attention that under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information on my credit report. The presence of this fraudulent account is damaging my creditworthiness and could potentially affect my ability to obtain credit in the future.

I kindly request that this matter be resolved promptly. Please investigate this dispute and remove the fraudulent account from my credit report as soon as possible. I also request that you provide me with a written response detailing the results of your investigation. 



Thank you for your immediate attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NY)

I see Spring Oaks capital LLC on my XXXX  report for {$650.00}. I've tried disputing this twice and nothing happened. When I looked this company up online, I came across XXXX. When I searched Spring Oaks Capital, I saw that they were banned from collecting debt in the state of New York where I reside. I have no idea who these people are or what they want or how they got my information.
Consumer complaint received 2024-10-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NVR INC. (NY)

In XX/XX/XXXX, I toured a model home at XXXX XXXX, in XXXX XXXX. I liked the home, and inquired on the price and mortgage payment estimates to see if I was qualified to purchase a new build townhome. I've never purchased, or owned a home before. 

XXXX XXXX, is my sales rep who assisted me at the time. She gave me some estimates on pricing and I went home. XXXX contacted me within a few days to let me know that if I'm interested, I need to put a deposit of {$5000.00} and sign a contract. I submitted the {$5000.00} to NVR portal, and signed the contract. 

XXXX let me know that an additional {$20000.00} was required for XXXX money. So I uploaded {$20000.00} in XX/XX/XXXX. During this time I worked with the builder 's lender to secure a mortgage. I was given an estimate for 5.625 % fixed FHA XXXX for XXXX points costing approximately $ XXXX. At that time, the builder was offering $ XXXX in incentives to use their lender. 

I spent months awaiting a pre-approval, which ultimately never came. I inquired with XXXX on what happens if I'm not approved. She assured me everything would work out, and referred me to another " preferred lender '' XXXX XXXX. I started working with movement mortgage simultaneously with NVR, as instructed by the builder XXXX XXXX. Ultimately, movement mortgage never issued a pre-approval, and stopped contacting me. 

At some point in the mortgage process in XX/XX/XXXX, NVR called me to say that I would receive a denial, but not to worry as it was a formality, and that they were working diligently to get me approved. 

I received a call in XXXX from XXXX XXXX that my incentive was being increased to $ XXXX, a document was sent requiring my signature affirming this increased incentive. I signed the increased incentive document. 

I received a conditional approval in XX/XX/XXXX, which included paying down credit card debt, and explaining activity in my accounts, which was done. 

The original scheduled closing date was XX/XX/XXXX. This was pushed back by the builder 's request due to delays with utilities. The next date was XXXX which was also pushed back by the builder for utility delays. the closing was then scheduled for XX/XX/XXXX by the title company XXXX XXXX XXXX. However, the walk-though was scheduled for XX/XX/XXXX. Closing was rescheduled for XX/XX/XXXX, which did not happen because I haven't been fully approved in underwriting, which I was told on closing day when I inquired to confirm if we were closing. 

I've been asking the builder and NVR mortgage for the next steps since closing on XX/XX/XXXX has happened. I have not received an approval from the lender NVR, and when I ask about the XXXX money, I'm referred to the builder XXXX XXXX, which is also NVR. 

I've been sending emails inquiring about the XXXX money and haven't received any money or response, or approval or denial of a mortgage. {$25000.00} which I put up in good faith to purchase, with no mortgage, no house, no guidance.
Consumer complaint received 2024-10-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Accounts, Inc. (ID)

Some of CFPB 's automated fields do not accurately reflect my complaint. 

This phone call took place on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

And I do not expect to collection agency to respond either appropriately or seriously to this complaint. An unethical debt collector ... who could imagine?! But I write this for the benefit of others who may have the unfortunate experience of dealing with them and to have a written record of my own experience with this company. And to make them aware that they sit well outside CFPB compliance -- which, of course, they already know. 

While contacting the debt collection company, I attempted to make notes about everything said on the call so that I could accurately reference the call should I need to in the future. 

When I asked for a supervisor, the collection agent LIED and said that they had no supervisor. The original lender later confirmed to me that this was a lie and there was, in fact, a supervisor who was on the floor for escalations. I even confirmed this by looking at the collector 's website. 
When I asked for a reference number on the call, they refused to give me one. 
When I asked for the employee 's number so I could again reference the conversation at a later date, the employee hesitated then made up a random number. When I asked them to confirm that this was in fact their employee number they admitted that they had lied and made it up. 

Multiple lies and diversionary tactics accumulated in one call. And the collection agency expects you to believe anything they say... 

I attempted to contact and deal with this collector in sincerity and good-faith and was met with XXXX. For those reading this public complaint, remember the wise words of a certain XXXX philosopher, " Stay safe ... and trust no one. ''
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is showing that I have only made one payment on my account XXXX showing only one payment done back in XXXX of XXXX  Balances are incorrect the Credit Bureau is XXXX XXXX the second account with XXXX XXXX is account is XXXX and it has balance of {$3200.00} last report was on XX/XX/year> in which we are in XXXX and it has my credit score low in which I am getting a mortgage and it is affecting me in my loan paying a lot more due to the incorrect amount on my credit with Experian, XXXX, XXXX too needs to be corrected asap.
Consumer complaint received 2024-10-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (PA)

I HAVE A HOME OWNERS CLAIM THAT SHOULD HAVE BEEN SETTLED WHY FREEDOM IS IN THE MIDDLE OF THIS IS BEYOND MY IMAGINATION THEY WANT IRS W9 FOR CONTRACTORS AND ARE TRYING TO HOLD FUNDS UNTIL JOB IS COMPLETE NEVER EVER HAVE I HEARD OF THE MORTGAGE COMPANY HAVING TO ENDORSE A CHECK MADE OUT TO MYSELF AND THEM AND THEN SEND ME A SEPERATE CHECK FOR THE AMOUNT THIS CLAIM WAS PUT IN IN XXXX EVERYTHING IS SETTLED EXCEPT FOR WITH FREEDOM THEY ARE HOLDING UP THE ENTIRE PROCESS
Consumer complaint received 2024-10-09
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: PENTAGON FEDERAL CREDIT UNION (PR)

This is my 3rd attempt with XXXX to solve this situation XXXX are reporting inaccurate late payments and incomplete credit information. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information .The following information therefore needs to be investigate immediately PENTAGON FEDERAL CR UN XXXX I respectfully request for the 3rd time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last 9 month, or the last two years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, to be provided within ( 15 ) days of the completion of your investigation.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I'm unaware of this debt. I wasn't given an opportunity to to dispute this debt. didn't receive any proper notification in regards to this debt. If you feel you've given me and or sent me the proper notification regarding this debt please send me a certified copy of proper notification and receipt with my name on it and signature. also provide the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

RE : JEFFERSON CAPITAL SYSTEMS LLC opened : XX/XX/year> ( XXXX mos ) Account status Open Balance : {$310.00} Open balance {$310.00} Open balance Has been disputed by consumer previously for inaccuracies such as reporting as an " open balance '' which is not compliant with FACRA, they are also reporting a Balance amount and failing to provide a valid debt contract this is considered to be inaccurate reporting and must be removed
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (IL)

Chrysler Loan # XXXX Hello, I have had problems for over XXXX year with Chrysler Capital accepting payments on the phone from me. I co-signed for my son. I had no idea that he was bouncing payments. 
So, for the last year, they restricted not only his account but also my account. I was forced to make payments for a fee only with my debit card. On XX/XX/year>, I called to make a payment and was told that I would need to go into XXXX XXXX and could no longer make payments via my debit card. At no time were any of the bounced payments made off of my account. I was forced to pay a fee in addition to making a payment
Consumer complaint received 2024-10-09
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 (NY)

I CONTACTED COURT OF RECORD WHO HAS INDICATED THAT THEY DO NOT SHOW A RECORD WITH MY NAME, ( PLEASE SEE ATTACHED ) I CONTACTED CREDIT BUREAUS WHO CLAIM THAT LEXIS NEXIS HOUSES THIS INFORMATION. 

DISPUTED WITH LEXIS NEXIS WHO SAYS THEY GOT INFORMATION FROM PACER. 

COURT SAYS THEY DON'T PROVIDE ANY INFO TO BUREAUS OR CREDIT REPORTING AGENCIES. 

XXXX NEEDS TO REMOVE FROM THIER FILES PER XXXX, AND FDCMA REQUIREMENTS DUE TO MY PRIVACY AND INACCURATE INFO REPORTING. 

PLEASE SEE ATTACHED RESPONSE.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XXXX XXXX my husband was having issues with his gaming pc. He called an unknown company and was given to a XXXX XXXX who tried to scam us into giving him {$3000.00} out of my account bc my husbands account was in the negative. XXXX stated that only {$30.00} was supposed to be entered and he entered {$3000.00} by mistake. I then stopped everything and called XXXX bank USAA as a XXXX something were to happen. Mind u we ended the call and unplugged my home network, changed my login password and his password etc so that this guy couldnt access anything. Well USAA put a fraud alert on my account then blocked my card, my mobile app and now my online access. I have {$760.00} in that account that XXXX cant access. They told me after the first review that they would no longer render services to me and my account would be closed and I would receive my money in 60 days. I then asked for a re-review and it was supposed to be up to 7 days and it is now 10 days ( XXXX XXXX ) from the XXXX of XXXX when I asked for the second review. They are still stating that I will not receive my funds for 60 days after the review is complete. I need that money for bills and household items. This is my livelihood they are now withholding.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This evening, I discovered inaccurate accounts on my credit report, and I have no idea why they're there. When I checked my report as I typically do, these discrepancies suddenly appeared. I attempted to refresh my browser, thinking it might be a glitch, but the inaccuracies remained. Therefore, I am requesting a thorough review of the documents I've sent to prevent future worries.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS USA, INC. (SC)

I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact, you believe ya 'll gave me proper notification then please send e the certified receipt with my signature on it stating I received it.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received correspondences from Portfolio Recovery Associates , LLC. One dated XX/XX/year> for {$400.00} ( Account Number XXXX ) and the other dated XX/XX/year> for {$940.00} ( Account Number XXXX ) On XX/XX/year>, I sent a letter requesting that Porfolio Recovery Associates, LLC ( hereinafter " PRA '' ) validate the debt that they are attempting to collect in multiple correspondence sent to me via mail. I requested information regarding the alleged debt, how it was obtained, proof of ownership as well as how it was obtained. 

On XX/XX/year>, I submitted a complaint with the Better Business Bureau ( " hereinafter BBB '' ) stating that PRA did not provide the requested information as required by consumer laws and therefore the collections should be completely deleted from my report. 

PRA responded through BBB and said they would investigate and follow up. 
I then received a letter from PRA dated XX/XX/year> asking for account information regarding the debt. 

I then sent a notices to BBB and stated that PRA 's failure to validate the debt they are attempting to collect on is in direct violation of Fair Debt Collection Practices Act and therefore these accounts must be permanently deleted from my credit report
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I am requesting a method of verification. I am needing a description of the procedure that was taken for this company to state the accuracy of this account. I need a method of verification and documentation that XXXX, XXXX, and XXXX has on file that states that this information is indeed one hundred percent accurate and correct? Who did you interview regarding the disputed items? Please provide this information to me by email XXXX or by mail XXXX XXXX XXXX XXXX XXXX TX, XXXX within 5 days or remove this account and delete it immediately. 
Acct # XXXX Midland Credit Management XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  MI XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (AR)

a year ago I filed a dispute with my bank current and after filing that dispute they declined it after I told them that it was unauthorized so I had to make an appeal which they ended up denying as well so now I made another appeal after a year of the first dispute and was hoping that you guys could help and I also didnt even have a XXXX XXXX  set up at that time
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC. (NC)

Failed to provide consumers copies of signed authorizations : Enova initiated recurring electronic fund transfers from consumers bank accounts without providing the consumer with a copy of a signed authorization identifying the particular bank account that the consumer had authorized for such transfers, in violation of the 2019 order. Also, the account was re-opened then closed again without my knowledge, the amount listed as owed lowered showing Enova in error after they stood by their claims on here, and re-aging debt by reopening an old account to show me missing an additional payment on credit reports without my knowledge of the account being re-opened.