davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc. (MN)

I received a letter from Professional Credit Analysts of Minnesota ( PCA ). The letter tells me that I have failed to make arrangements on Acct # XXXX for XXXX XXXX XXXX with a balance of {$950.00}. The letter asks me if I would agree to a voluntary wage assignment. 

I have no accounts with XXXX XXXX XXXX  XXXX XXXX MN. I asked what the loan was for and proof of my signature. They told me they would have to " request '' this information. 

PCA said that my SSN and birthdate were on this loan. I have asked them for proof of the loan and proof of my signature on this loan. 

What if someone received this letter and didn't know their rights? They'd automatically pay this. Who does this to someone? 

When I got off the phone with PCA I called XXXX XXXX XXXX XXXX XXXX MN and they told me they have no accounts for " XXXX XXXX. '' How did my name, SSN and birthday get attached to this loan and why is PCA saying I owe this money and asking me to agree to a voluntary wage assignment?
Consumer complaint received 2021-01-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (IL)

I have a federally backed loan by XXXX - a government owned company division of HUD. 

I submitted all requested information to apply for modification. The servicer, Gregory Funding, says that they did not receive all my paperwork. I have resent them. They will not confirm receipt. 

I sent via email which I have a copy of. Their preferred method is to have customer log into account and upload the documents directly. When you do it this way, there is not a record of the submittal created. I am at a loss on how to proceed. 

Moreover, I requested a CARES ACT forbearance due to being impacted by COVID 19 and my loan being backed by XXXX, a Federal company and division of HUD. The servicer refused.
Consumer complaint received 2021-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (FL)

To whom it may concern : I have had a regular amortized installment loan through One Main Financial ( XXXX XXXX, Illinois ), for approximately {$7500.00}, for about 2 1/2years. I subsequently requested to refinance a little over a year ago, in order to pull additional funds out, and was advised by the loan representative that all terms would remain the same throughout the life of the loan. After a little over a year of paying $ XXXX  monthly ( automatic withdrawal ), approximately {$6000.00}, I realized that the outstanding principal balance had only been paid down by approximately {$450.00}. Needless to say I was shocked and reached out to the branch immediately on XX/XX/2021. I spoke with the branch manager and was advised that the program the loan was initially under was changed from a typical amortized loan into a Daily Simple Interest ( DSI ) loan. The aforementioned program/product ( bait and switch ) was never disclosed by the loan representative at the time. Disclosures were signed under the impression that all items remained the same, as stated by the branch representative. These types of business practices are the epitome of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and Fair Lending/Servicing violations in which " significant '' financial injury was caused for monetary gain by the institution. Please conduct a thorough investigation into these entities, which are basically stealing from hard working citizens, and switching consumers into loan products similar to a payday loan. A formal complaint will also be filed with the XXXX, State Attorney General, & FTC as well as commencing litigation.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (CA)

Have found a buyer for my loan. XXXX, my account with them XXXX. However US Bank will not let me sell my car to them because I am not purchasing a new car from them. US bank will not take the check from XXXX for full amount owed. Please help me
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

I have an PayPal credit account I which I started back in XX/XX/XXXX. I purchased 4 coats from XXXX totaling {$300.00} to {$400.00} dollars well they have an money back guarantee and so does PayPal in other words if your unable to get your monies back from ebay you can then reach out to PayPal and they would start an claim. I went back and forth with the seller on eBay and just decided to start a claim. I was advices by PayPal to returned all three items that was sent to me and once shipped I sent proof of shipping and tracking to XXXX the sellers as well as PayPal as instructed. I had to pay {$52.00} each for two of the coats that totals {$100.00} that the seller suppose refund as well and {$35.00} for the third with a promise to receive all shipping fees once items has been received This all happened back in XX/XX/XXXX so now being it was shipped back to XXXX somewhere and the COVID happened Ive been trying to track my packages that I shipped back and been trying contact eBay and PayPal for assistance but could never reach anyone. So its XX/XX/XXXX I finally get to speak to someone at PayPal for them to tell me they dont see the transaction in my account but I still a balance that I have to pay for the 3coats no monies have been returned to my account and I know they received their items. So I dont what to do because Ive been paying off my account for a year and the balance is still the same. Ive paid {$140.00} last month and no lower balance
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

For two years I have been trying to get Capital One and XXXX XXXX to leave me alone. Neither has shown proof that I owe the debt in question. I have complained to them, to the credit bureaus, and anyone else. Even CFPB. To no avail. I was being charged for internet services after I discontinued service because XXXX or whoever they were then, did not take account that I PERSONALLY returned the box on question. Literally. I was evicted. I did not live there and I had service with them, through my mom, at home. Why on earth would I keep a box, when I had a box and access to it already at home? Doesnt make sense does it. Now when I told them that, they told me they dont have a record. How am I to blame that they dont have a record of return? I havent had their service or that box since I moved out in 2018. They send the debt through a different company each time. It is categorically unfair they can continue to charge me, even though, they cant produce any evidence that I didnt return it. I asked them to check the cameras. I was there. I asked them to check my card the day I returned it. It was a restocking fee. They say it didnt happen. Regardless of what they are saying, I do not have anything of theirs anymore. I was in a promotional period allowing me to cancel. They are using this device as a means to get my to pay something I dont owe. I refuse to pay for their error. Now, capital one is ridiculous because they refuse to discuss the matter of the closed card over the phone. However, when I went in they gave me an internal document that SHOWED the account was paid in full. I went in physically to the Uptown location in XXXX. That same day, they were robbed at the counter. I say that only to say there is a recording of me there discussing this issue with them and they admitted it was paid in full internally but since it was already submitted to the debt collection agency, it is up to them to remove it. HOW!?!?! XXXX  and all the other investigator arms of credit bureaus dont investigate. They do not ask anything of the companies. They take their word and service account poorly just to make sure they have some money to be made themselves. My credit account has been frozen since 2018 because that was the only way to get them to see these occurrences are unusual. They removed one, of the two, separate companies asking for money for XXXX but if one didnt have a claim to the money, the other shouldnt either. As far as capital one, who knows, maybe they in bed together? Idk. I do know I dont owe them anything. I even mailed the document to XXXX  and the others in 2018. I was told there isnt a record of anything. Yet, they responded to all other mailed in dispute forms. The credit bureaus should be working to help people out of these times. Not be in cohorts with the companies attempting to put low income people lower on the totem pole. This is not right.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute to Transunion, XXXX, and XXXX  well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (MS)

I have reached out to you on several attempts regarding this alleged debt and have affirmed to you on those attempts that this company, Mountain Run Solutions, has acted unethically by attesting that I owe them money and that I have an open account with them. This is false and I have proof from the original creditor, which is accompanied with this letter. 
I took the liberty and asked the original creditor to assist me with the appropriate documentation after I explained to them that this creditor ( Mountain Run Solutions ) created a fake balance to try and force me to unlawfully pay. Mountain Run Solutions also lied about having reached out to me in XXXX via U.S. mail. This is blatantly false and I showed you that it was false by providing you a name affidavit and proof of address. 
Attached, you will see the itemized statement/payment history from the original creditor. You will also see the true date of delinquency as well as the dollar amount that was owed seven years ago, which was {$420.00}. This account is over 10 years old! Not only that, Mountain Run Solutions misrepresented the amount owed to benefit them as well as dates. This is an immoral and unethical practice amid a global pandemic! 
Mountain Run Solutions may have purchased a debt from a creditor that I dealt with over 10 years ago, but I did not sign any contracts with Mountain Run Solutions and again, they are falsely claiming that I owe them {$960.00}. The date of delinquency began in XXXX and was consecutive. This collection violates the laws of the FCRA and XXXX  is being complicit by reporting an erroneous account and not adhering to the refutable evidence that I have provided for nearly a year now.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 ( a ) states I have the right to privacy 15 U.S.C 1681 section 604 ( a ) section 2 states a consumer reporting agency can not finish a account without my written instructions
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!
Consumer complaint received 2024-02-26
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: ENCORE CAPITAL GROUP INC. (LA)

I going through a divorce and was trying applying for a place to live when I discovered this collections. I reach out to dispute and proof of this collection never received info. Instead a false payment of a {$1.00} was added to the account as if I had made a payment and I clearly did not. Requesting immediately removal of fraudulent account.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX : {$1200.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I paid off the 2nd mortgage on my home. Bank of America received the funds on XX/XX/2020. I have applied and been approved for a HELOC with another financial institution to consolidate debt. I am unable to complete this transaction due to Bank of America not yet sending the Lien release paperwork to my county. I have called the Lien release customer service 43 times, to no avail. All I am asking is for them the send the lien release to my county clerks office. This document was generated on XX/XX/2020 and was allegedly sent to my county on XX/XX/2020. My county has NEVER received it. I have requested to have this sent to my county office on four occasions. I have requested to speak to a manager or a supervisor on five occasions and they schedule a time to call me back with a 2 hour window and I have NEVER heard back from a single one. ALL I want is for them to do what they are supposed to do nd send the lien release to my county. Thank you in advance for your time.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TN)

It took almost three months for Frontier to find a missing payment the last time this happened back in XXXX of XXXX. Now it has happened again. I made a payment of {$1000.00} to my Frontier account on XX/XX/XXXX and now Frontier is saying they did not receive it as of XX/XX/XXXX. I have attached proof of payment from my bank showing the online payment, I contacted Frontier and told them about the missing payment and they said it could take up to two statements to rectify the problem. That is unacceptable. The Frontier Case # is XXXX. 

I made another payment of {$1000.00} on XX/XX/XXXX. Please make sure that Frontier does not confuse the two payments and that a payment for XXXX and XXXX are both made in the amount of {$1000.00} each.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

FCRA section 609 ( 2 ) request for you to to provide me with the following information with in 15 days why was the public record deleted from my credit file and added back to the credit report! you must contact the original furnisher of this public record not some 3rd party vendor like XXXX or pacer! 
Please review your public information on your credit report dated XXXX And I quote this section include public record items Equifax obtain from local state and federal court through a third-party vendor XXXX XXXX this is a violation of the FCRA you must obtain information as to why was the public record removed and added back to the report from US bankruptcy court case ID XXXX clerk of Court address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone number XXXX I have asked you a least 25 times and you havent provided not 1 thing remove this from my report ASAP
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILYXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late RemoveXXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra vioilations RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX fcra violations not mine
Consumer complaint received 2021-01-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (NC)

I entered into a consumer credit transaction with XXXX XXXX on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved, the finance charge in this case being in the amount of {$11000.00}. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction but all charges have not been included in the finance charge.. In my knowing that the finance charge is the sum of all charges, I was not expecting any bills from Bridgecrest LLC or anyone else. However, on XX/XX/2020 I received a bill from Bridgecrest in the amount of {$390.00}, and they have sent me a bill every month since then XXXX attempting to collect a debt that I do not owe, which is a violation of federal law 15 USC 1692f ( 1 ) which states that the collection or the attempt to collect of any amount is not permitted. I have sent both parties ; XXXX and Bridgecrest an Affidavit of Truth stating the facts of the violations committed against me along with exhibits, Ive also sent them a Cease and Desist demanding civil liability remedy for violating my consumer rights, as well as an invoice demanding payment.
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC (NE)

On or about XX/XX/20 I was contacted by Recovery Partners LLC form XXXX XXXX XXXX XXXX, AZ XXXX They stated i had verbally agreed to make a payment to them for something that i did not do. I informed them that i was not going to pay them and to leave em alone. They have since then sent paperwork and phone calls harassing me. I am a XXXX Vet on on XXXX and XXXX.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I logged in to pay my bill in XXXX, while sick with COVID, and apparently I didn't submit the payment all the way through. I am sure Comenity/XX/XX/XXXXcan see that on their end. I was issued a Late fee of {$29.00} & Finance Charge of {$4.00}. 

I went to use my card, it was declined, so I went online, made the payment & called on XXXX to ask for the fee to be removed. XXXX said first time goodwill adjustment was only for {$15.00}.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (FL)

Despite several request, to send a written statment, reflecting the reasons for closing my accounts, Citibank has failed to send such of letter.
All the informations that I have so far, are from the bank employees.
***I WANT TO HAVE A WRITTEN STATEMENT FROM CITI BANK, STATING WHY CITIBANK HAS SUDDENLY CLOSE MY TO ACOUNTS.
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****THIS WAS NO ACCIDENT.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Consumer ID ; XXXX Bank Of Ameria XXXX Routing # XXXX Account # XXXX I never commited fraud on this account. i would like to settle this and remove this from my bank history so that i can open up a bank account. There is no balance due. i opened this bank account for direct deposit and was never able to use this account. 
Bank name ; XXXX XXXX. Routing # XXXX Account # XXXX I have no knowledge of this account. I never banked with XXXX. i would like this account settled and removed from my reports and history. 
i am a victim of identity theft which was reported to the irs. 
XXXX XXXX. no knowledge of any account with them. 
XXXX XXXX. no knowledge of any account with them. 
i would like more information on how to dispute this accounts and get them removed from my banking history.