davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Repeated calls to cell number and landline two to three times a day at either number. No message is ever left on voice mail. Letter written to Portfolio Recovery on XX/XX/XXXX to cease and desist calling both numbers. Email sent to XXXX on XX/XX/XXXX to stop calling each number. Calls are made from all over the United StatesXXXX, NY, XXXX, CA, XXXX, MS XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX CA,  XXXX, NJ, XXXX XXXX XXXX CA, XXXX XXXX XXXX CA etc. 
Saturday, XX/XX/XXXX call came into cell from XXXX, MA, Yesterday XXXX, OH, today from XXXX, CA  from # XXXX call to landline today at XXXX from XXXX This has been going on for several weeks and I do not owe anyone any outstanding debt and have received nothing in the mail to indicate I owe any funds to Portfolio Recovery or any of their subsidiaries.
Consumer complaint received 2019-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (GA)

They're trying to get me to refinance. I told them I wasn't interested we were going to sell but they continue to call a couple of times a day. An example of calls per day is!. Call at XXXX XXXX   XX/XX/XXXX 2. Call XXXX pm XX/XX/XXXX 3. Call XXXX pm XX/XX/XXXX 4. Call XXXX XX/XX/XXXX 5. Call 3 XXXX XX/XX/XXXX 6. Call XXXX XX/XX/XXXX 7. Call XXXX XX/XX/XXXX 3
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

Hello, I currently hold a Chase Freedom XXXX card, which offers rewards on general purchases at a rate of 1 %. Sometimes, though, Chase offers a 5 % reward on certain categorical purchases. From the months of XX/XX/XXXXthrough XX/XX/XXXX, it offered 5 % cash-back on gas-station purchases. 

On XX/XX/XXXX, I purchased a {$200.00} gift card at XXXX, whose primary form of business is the sale of gasolines. Indeed, I have earned 5 % rewards at XXXX through Chase Freedom before, when Ive purchased gasoline at their pumps. This time, however, Chase assigned me only 1 % for the purchase. 

When I asked Chase to explain why I earned the lower amount ( rather than 5 % ), several Chase customer service agents told me that gift cards are not included. That would be sensible, except that they have been unable to point to any language in the credit card agreement that would support their conclusion. When I pressed them, they repeatedly quoted policy and ultimately shared with me the following : What types of merchants are in the 'gas stations ' category? 
A. Merchants in the gas stations category sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category ; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies. 

The language is available at : https : //www.chase.com/index.jsp? pg_name=ccpmapp/shared/assets/page/Online_Rewards_FAQ The above language, however, does not dispose of the matter. It merely defines merchant, which would include XXXX as a gas station. When I wrote back and explained that to them, I added that that I was frustrated by their inability to show me any language that supports their position. I then was told not to write them again. Instead, they want me to begin the process over again by calling into customer service ( despite that I had already spent time writing and responding to several emails ). 

At this point, my main complaint is that Chase is not fulfilling its promises regarding my card. If it has legitimate reason for not applying the 5 % cash-back rewards, it should point to the appropriate policy language. It has not done so. I fear it is engaging in a bait and switch tactic. Perhaps they are doing this to many other unsuspecting customers. 

Please help. 

Thank you, XXXX-XXXX XXXX XXXX-XXXX-XXXX
Consumer complaint received 2018-10-01
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: EQUIFAX, INC. (AL)

I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and XXXX XXXX showing on my credit report on XX/XX/2018. I asked for Equifax, XXXX, and XXXX to please validate this information with United States Bankruptcy Court XXXX District of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX District of Alabama stating they do not report this information.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I had fraud on my account, my bank is wells Fargo, i received information about my card being used without my permission so I logged in, looked through my statement and found fraud on my account so I opened a claim. i filed the claim on XX/XX/XXXX over 10 days had passed and the temporary credit wasn't posted to my account like wells Fargo claims they do so I just let it roll through, then my claimed was denied saying that all the transactions were valid because my pin ( personal identification number ) was used. I called wells Fargo and had to explain to them that I hadn't used my card and the person who was helping me kept saying that the research proved I was the one using it, then he said that I had given this person permission to use my card to make these purchases and that the bank wasn't responsible for returning my money the total amount on this claim is XXXX, then I had to file 2 more claims that instantly got denied the following day after filing them so here I am taking the next steps having to use cfpb to file a complaint hoping to get my money back because wells Fargo wont take responsibility for fraud on my account. and the employee who was on my call wasn't listening to me hung up on me because I kept saying that there was fraud on my account and it was their responsibility to take this further and return my money. then I had to further explain that after i did my own research to see what was used not every transaction was used in a store that some were used online where my pin ( personal identification number ) wasn't necessary so how could all the transactions be verified by my pin and his response was still they are not responsible.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

I have tried repeatedly to freeze our credit report account with Equifax. 

I first applied on line on XX/XX/18, but at the end of the process, I was told a pin would be sent to me, without which they could not freeze the account. No pin was sent. 

I then called them on XXXX on XX/XX/18, and after answering over a dozen security questions going back to addresses and accounts we had decades ago, I was told I had failed to answer his questions and had to verify my identity by sending them a large number of documents. Since I had answered all his questions to the best of my ability, I asked which I had failed so I could look them up, but he refused to tell me. At this point, I asked to speak to a supervisor. 

We then went through all the same questions again, with the same result. I felt that sending them the documents they requested was unduly cumbersome and uncalled for, and so I refused to send them, saying that I would file a complaint with the CFPB. 

I believe that Equifax is deliberately obstructing our ability to freeze our account as they are required to do by law and request that the CFPB investigate their obstruction.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation (IN)

COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS FOR CONTY TAX BILL DATED XX/XX/XXXX. THE S.O.L EXPIRED ON XX/XX/XXXX. CEASE COMMUNICATIONS OR BE SUED IN CLASS ACTION.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hello ser, Thanks for the consideration and time, the company is paypal.. Paypal placed my hard earned money on temporary hold even after giving them and providing them with all the necessary documents required.. Am trying to provode for my XXXX XXXX XXXX family, and i can't do that with paypal obviously trying to scam me, and take my hard earned money. My paypal email is XXXX and amount being placed on hold is XXXX $ that i worked hard to get.. Please do something about it, please
Consumer complaint received 2022-12-18
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. (MD)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAROLINA FINANCE, LLC (NC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the CAROLINA FINANCE LLC and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (PA)

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MO)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-02-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (LA)

I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact national recovery. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with XXXX XXXX XXXX some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against XXXX XXXX XXXX or did I run into a financial hardship. 

I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.
Consumer complaint received 2017-10-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (KY)

Back in XXXX of this year, my husband and I met with XXXX XXXX to discuss a home loan. We were very clear at the time that we did not want to do escrow. XXXX assured us that this would n't be an issue due to down payment were putting down. We advised him that we anticipated closing to be XX/XX/XXXX. We were told that we would get weekly calls updating us on the status of our loan. This never happened. The only contact we had once the initial documents were requested was initiated by us. We received notice from our realtor that we were to close on the house we were selling on XX/XX/XXXX. My husband contact XXXX and he advised that we were on track to close on the home we were purchasing that day also.He made the same statement to our realtor. However, on XX/XX/XXXX we still had n't been given a closing time for the home we were purchasing. Our realtor advised us there was an issue with the lender. Again, we had not been contacted. We contacted XXXX and he stated that his processor had failed to complete some needed documents and that we were n't going to be able to close until XX/XX/XXXX. On XX/XX/XXXX, we were sent over a closing statement showing escrow. We contacted XXXX and he stated that this " had to be listed '' but that we were not set up to do escrow. When we got to closing on XX/XX/XXXX, the attorney for the closing ( XXXX did not come ) had paperwork stating we were doing escrow. At this point, we had already paid for our house insurance in full. He stated that we could be reimbursed for this. In regards to the escrow, he stated that we would need to speak with XXXX. Since we had spoken with him two days prior we went through with the closing, we were homeless by this point, we were under the impression this was simply a paperwork error that could be fixed. Now we are being told that he is n't sure he can fix it. He admitted that it was a mistake on his part but is n't sure it an be fixed. I have made three attempts to contact his supervisor and have n't received a response and we have n't heard anything back from him.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. 

2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. XXXX XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, XXXX XXXX always continued to make his payment with fail. 

3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to XXXX XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for XXXX XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead XXXX XXXX received agreement in mid to late XXXX. Upon receiving XXXX XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with XXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. 

XXXX XXXX XXXX XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of XXXX XXXX for the delayed return. 

5 ) When XXXX XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. 

6 ) PHH Mortgage stated they would review and except Final modification once again ; however what PHH Mortgage did was place a new sale date in system for XX/XX/XXXX. 

7 ) PHH Mortgage waited until XX/XX/XXXX to once again deny the Final Modification previously signed and executed correctly. PHH Mortgage did this to keep the position of foreclosure sale date in place for XX/XX/XXXX. 

8 ) PHH Mortgage then suggested to send in new RMA application which they were going to fax and never did. PHH Mortgage stated they would postpone sale date due to the errors on this file ; confirmed by Customer Relations team agent XXXX ID # XXXX of PHH Mortgage. PHH Mortgage has not suspended or postponed sale date.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

us dept of educatio in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 us dept of educatio I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion is Criminally liable for willfully and knowingly committing a violation ( 15 U.S. Code 1611 ) in publishing XXXX XXXXXXXX and XXXX late payments on my consumer report. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to XXXX XXXX XXXX XXXX XXXX XXXX transactions or experiences between me the consumer and the person making the report. XXXX XXXX and XXXX  is the person making the report. My transactions are my payment history for an alleged debt. See definitions. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX  XXXX and XXXX may not, directly or through any affiliate, disclose to a nonaffiliated third party, that is TransUnion any nonpublic personal information, unless XXXX XXXX and XXXX provides or has provided me a notice that complies with section 6803 of this title. I did not receive a notice from XXXX  XXXX and XXXX, regarding disclosure of my information to TransUnion. 
15 U.S. Code 1681  ( a ), As determined by Congress, TransUnion is violating the accuracy and fairness of credit reporting of my information. TransUnion is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy. 
Due to TransUnion negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this has done harm to me and my Family. XXXX XXXX and XXXX has no standing to report a late payment to TransUnion, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by Congress.