davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Recovery Service Incorporated (CA)

XXXX  / XXXX XXXX is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent XXXX a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from XXXX stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from ARSI, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

XXXX has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (NV)

The account should have been closed due to the company having the property. Going through my credit report I noticed that my balance is {$18000.00}, but my starting amount was {$3000.00}. The company has continued to draw interest which is against the law. Also XXXX  has that I have all late payments but XXXX  has that I have on time payments. Which means both credit companies are supposed to be accurate.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

I XXXX XXXX called first premier about a charge off account on my credit for the amount of {$610.00} i advised them that this account does not belongs to me. I was advised by a XXXX by the name of XXXX employee number XXXX. She said I cant ask to recall the account and that they cant do anything about it. Well i feel as a consumer my rights is not protected please help.I also sent a letter to verify this debt 30 days ago with no response
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC (OK)

Enhanced Recovery Co L XXXX XXXX XXXX XXXX FL. XXXX Collection opened XX/XX/2020 {$1200.00} Enhanced Recovery is not a license business in the State of Oklahoma, therefore, they can not lawfully report to the credit bureau, XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (TX)

Please see the attached dispute letter that was sent to your agency 2 months ago. You have failed to complete an investigation into the accounts mentioned in the dispute letter. There are 3 accounts reporting on my credit report that has no record of when the account was opened. How is this complete and accurate information if I can not fact check an account that you are reporting to my credit report. It has been well over 60 days since I sent your company a letter and these unverified accounts are still reporting. XXXX and XXXX have removed this account. I am demanding the following accounts to be removed within 7 days due to negligence and many FCRA violations : XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX
Consumer complaint received 2021-03-23
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: CITIBANK, N.A. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was deleted from my credit report from all 3 bureaus back in XXXX. 


" If you discover that an old debt has reappeared on your credit report as a new account or contains inaccurate information about its age or status, it might be because a debt buyer " parked '' the debt on your credit report, or re-aged the status of your debt. These debt collection practices might be illegal.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates began reporting a collection debt to my credit report as of XXXX XXXX for the amount of {$450.00}. 
I sent my first written debt validation request on XXXX XXXX and my 2nd validation request on XXXX XXXX via USPS Certified mail. I recieved a response letter dated for XXXX XXXX. Their response was limited to a copy of a billing statement for the alleged original creditor. Dispite several requests for substantial proof of validation as well as 3 rounds of debt validation request and a complaint of noncompliant to XX/XX/XXXXandXX/XX/XXXX Portfolio Recovery Associates has yet to provide me with verifiable proof that I'm responsible for this debt. They have continuously ignored my requests to provide a copy of a contract with the original creditor with my written signature on it as well as my request for them to provide Agent 's names and ID numbers, proof of licensure to collect a debt in my state, proof that the debt is within the statute of limitations to be collected and evidence of how they came to the amount they say I owe. Portfolio Recovery Associates is in violation of the FCRA and has continuously violated my rights as a consumer by reporting inaccurate, unverified and derogatory information on my credit reports, effectively damaging my credit score and limiting my opportunities as a consumer.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

XXXX hold on funds Impersonating Bank Representatives Scam of funds and contact numbers Funds verification PNC BANK XXXX XXXX XXXX PNC/XXXX  Check Deposit {$3500.00} XXXX XX/XX/2021 XXXX XXXX XXXX Account
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XX/XX/XXXX account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.
Consumer complaint received 2021-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have Home equity loan ( fixed ) Shellpoint Mortgage Serving. 
It clearly states on the letter datedXX/XX/2021.That I am on a Forbearance plan. 
Loss income due to COVID-19. I Only have Social Security and Unemployment ( that may end soon ) They will not extend the Forbearance because I have Income. 
I stated I am not working and Social Security in NOT working income Income being my Social Security and Unemployment ( which may end soon ) I ask to defer my past 13 payments. They said I would need to pay off 10 payments and they will defer the 3 months. ( I do not have that kind of money ) The rep stated that the investor rules would not allowed deferment because of my Lates ( I said under the CARES act you can not count miss payments as Late ) I ask to speak to a supervisor and she said it be 24 -48 hours
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I contacted all three credit bureaus to validate this debt. XXXX XXXX did not reply to the debt validation request. This debt is beyond the statute of limitations to collect and will reach XXXX to report in XX/XX/2024.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (FL)

I have been using the Robinhood app to purchase stocks. I was happy with the service until an issue with account being freezed occured. They required a photo id be uploaded to able to sell and trade stocks again with a restricted status. I supply this and asked questions, its been almost a week with no answer to all questions asked. What else is needed? I am suffering by not being able to buy or sell while this servicing error prolongs potential. Also i wanted a summary of the porfolio totals and to see if any fees were charged. I asked as well if there are paper statement that can be mailed? No answer to these questions to date, as the freeze lingers.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC (FL)

Debt was incorrectly filed and was not filed in a timely manner with the Veterans Administration. VA denied claim for those stated reasons. Debt if for my Brother, who passed away on XXXX XXXX. Informed agency of this, and that I am the executor of his estate. This matter is prohibiting me from closing out my brother 's estate with the probate court, due to it being filed as an outstanding debt. The debt was not file correctly with the responsible agency, resulting in it be denied. Collection agency is now trying to collect against my brother 's estate for a debt that he was not responsible for. Two debts for hospital emergency room treatments. XXXX XXXX XXXX XXXX XXXX, AL XXXX in the amount of {$2000.00}. XXXX XXXX XXXX XXXX XXXX, AL XXXX in the amount of {$1400.00}. My brother was a XXXX veteran which both agencies should have file claims with the veterans administration. Debt collection company refuses to assist in this matter to resolve this issue so that I can close out my brother 's estate with the probate court. Spent 96 minutes on a three way call with collection company and VA to resolve issue, with agent from collection company became rude and offensive. XXXX XXXX XXXX XXXX. Collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mn XXXX XXXX.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Dear sir or mam LoanCare XXXX XXXX mortgage continues to mis apply my payments. I have contacted the company multiple times and have submitted 2 previous complaints to the CFPB. Please referee the two following cases for specific detail on this on going issue. - XXXX XXXX My payment amount was changed due to escrow need, I changed the amount to meet was is expected. When I reviewed the payment for XXXX, it was misapplied again. Loancare was only able to process my payment correctly for three months. 
I sent a request to correct this issue once again. This error has continued to occur 10 plus times.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC (FL)

An account with XXXX XXXX represented by Pheonix Financial Services XXXX XXXX XXXX XXXX Indiana ( XXXX ) was paid as agreed with pay to delete per settlement. The account still reports on Equifax. Already disputed with the original creditor and they stated they have already reported the account to be removed and it still has not been removed.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to Transunion in regards to a dispute and the fraudulent accounts and benefits on my credit profile.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

I messaged PayPal today, XX/XX/2021 because I continue to receive an error when trying to transfer money from PayPal to my bank account. They responded that this is a known issue, gave me some general things to try ( clear cache/cookies, try a different browser, etc ) nothing work and they basically told me they added me account to the ticket thats open but have no clue when it would be fixed or how I can get my money.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (VA)

XX/XX/2021 direct deposit was made to card.com, with XXXX XXXX  for XXXX. I requested a new card and change of address. They immediately changed address but requested proof of address 10 days later, thus new card was delayed even still now. Card.com requires 16 numbers of card which is closed account. Called Bank, they said if I want check call card.com support to send check. Received new card but someone ordered another card on their end. They don't have 2 request from me for cards, only one. No one disputed this. They made 2 mistakes which caused delays. One was not accepting the Virginia XXXX driving record with current address, and ordering another card. Now they say they can not activate new card because i have to wait for other card I didn't order, meanwhile I have new card no good to me and my money will lay dormant to me. When I called card.com supervisor AV, I'd # XXXX at XXXX on XX/XX/2021 said she couldn't help that I had to wait for other card. This is totally Incorrect and shouldn't be tolerated where it will clearly inconvenienced a consumer for minimum of 30 days in 8 days from today. XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Hello, I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called 911 thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you. 

For reference my payments are around $ XXXX/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go. I am in the process of trying to speak with a supervisor with Fifth Third Bank to help resolve this matter but I was directed to this website. 

Thank you again for your time. 

Best, XXXX
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

I disputed this Xfinity account last year directly to all three major bureaus and it was removed because it couldn't be validated. It later appeared on my credit report but was listed by Southwest Credit, a different collection agency from the first. I have mailed dispute five letters certified/return receipt but still have not gotten what I've requested which is the original written contract between myself and Southwest Credit or between myself and XXXX. They are supposed to remove the account from all three credit bureaus if they are unable to produce this information. I mailed the first 3 dispute letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021 ; They sent back billing statements showing a balance of {$370.00} which does not validate that I opened the account. The fourth response they sent me stated my dispute was frivolous or unsubstantiated because " The dispute is substantially the same as a dispute previously received '' and " The dispute was reasonably determined to have been prepared by a credit repair organization ''. Neither of these reasons make sense. I sent the dispute letters myself but don't understand why they aren't complying even if a credit repair company sent the dispute letters. It looks like they are stalling to avoid following federal law, which requires them to produce the original signed contract or remove the negative account. I have yet to hear back after mailing my fifth dispute on XX/XX/2021 once again asking for the signed contract. They still have a couple weeks to reply the information requested.
Consumer complaint received 2021-03-22
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: CITIBANK, N.A. (WA)

Citi Bank for the past year has charged my checking/Savings accounts a monthly fee when all accounts had a combined total that was higher than what Citi Bank stated for " FeeFree ''. Citi Bank did not return the money that they illegally took from my accounts.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Penny Mac is refusing to remove my PMI and finding various reasons to do so.

I have repeatedly asked for this to happen based on the fact that my ltv based on current market is way above what is required to remove PMI.

Penny Mac continues to hold me XXXX. 

I paid for an independent appraisal last year And they held my money and now just returned to me without any comments for the reason. Nor with any interest for keeping it. 


They have stated that I had a late payment for more than 30 days and that was not accurate. I called them and they informed me that was not the case. 

They said they would do an appraisal and during Covid I requested a drive by and not internal and they took {$150.00} and just now returned the {$150.00}.
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

THE CREDIT REPORTING CONFRIMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. THEY HAVE HAD NEW ACCOUNT IN MY CREDIT REPORT UNDER INVESTIGATION FOR OVER 6 MONTHS AND HAVE REFUSED TO UPDATE THE ACCOUNT THE STATUS OF THE INVESTIGATION AT ALL. THEY HAVE ALSO ADDED AN ADDITIONAL ACCOUNT TO MY CREDIT REPORT FROM THE SAME COMPANY AND HAVE MADE UP ACCOUNT OPENING DATES AS WELL AS MAJOR DELINQUENCY DATES. THE ACCOUNT THAT HAS BEEN UNDER INVESTIGATION FOR OVER 6 MONTHS IS ACCT # XXXX.