davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On my XXXX, XXXX and Experian Credit reports the collection tradeline XXXX XXXX/XXXX XXXX, acct no ending XXXX, Orig creditor XXXX XXXX XXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. XXXX, XXXX, & Experian are reporting the wrong date of first delinquency. They report XX/XX/2017 my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.
Consumer complaint received 2021-09-30
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)

On my XXXX, TransUnion and XXXX Credit reports the collection tradeline XXXX XXXX XXXX acct no ending XXXX, Orig creditor XXXX XXXX XXXXXXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. XXXX, TransUnion, & XXXX are reporting the wrong date of first delinquency. They report XXXX XXXX my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

MBA LAW XXXX XXXX XXXX, XXXX, TX XXXX Has been sending me collection notice in the amount of {$1300.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IA)

On XX/XX/2021 I sent a letter to MIDLAND FUNDING LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Direct Recovery Services, LLC (CA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I lost my job due to COVID, I have had an Express Clothing Store Credit card for years and now very behind on payments. COMENITY BANK has not only tried contacting me but they are also calling my mother-in-law, whom lives in a different state not listed on any of my financials. My XXXX year old son, during school hours. They are not only requesting to get my contact information or questions about my whereabouts, they are telling them details of my debt and the legal implications if I dont call. I never gave them permission to discuss anything with anyone. They are leaving messages as if they were calling my phone..messages directed to me and not them.
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services of Iowa Inc. (IA)

On XX/XX/2021 I sent a letter to CREDIT BUREAU SERVICES OF IOWA , INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

As of XX/XX/XXXX Portfolio Recovery Associates, LLC has been contacting me by phone & mail, telling me that I owe them {$760.00} which I never borrowed from them nor anyone else. They say that they had bought this debt from XXXX XXXX which i already proved that it was a case of identity theft & that there weren't anyway that this debt was of my own actions. I was incarcerated for almost 2 decades which started in XX/XX/XXXX. The said debt had started in XXXX & i didn't get released until XX/XX/XXXX. 
Again, i've already proven this fact to XXXX XXXX w/ my release papers. This is an unlawful act on part of XXXX XXXX as a seller of a debt that resulted from identity theft, & an unlawful act on part of Portfolio Recovery Associates, LLC as buyer of such debt.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Month of XXXX Ive called capital one to get a secured card removed from credit report Month of XXXX I sent a letter Month of XXXX I called and reported as fraud Month of XXXX I called again Month of XXXX I called to dispute again
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On my Equifax, XXXX and XXXX Credit reports the collection tradeline XXXX XXXX/XXXX XXXX, acct no ending XXXX, Orig creditor XXXX XXXX XXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. Equifax, XXXX, & XXXX are reporting the wrong date of first delinquency. They report XXXX XXXX my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Our homeowners insurance carrier is cancelling our insurance coverage as a result of PennyMacs erroneous vacant/abandoned property status reported to our insurance carrier. The residence was being rebuilt after the XXXX XXXX, however, all building stopped in XXXX  when PennyMac refused to release additional insurance funds held in their restricted escrow. The loss of the XXXX homeowners coverage will have catastrophic financial and XXXX XXXX for us as senior citizens.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OR)

I am reporting this complaint because back on XX/XX/21 i placed an order online which macys overcharged my credit card by not charging for the sale price and charged me with the original price instead. I then proceeded to call macys and ask why they charged for the original price when they online said that the items were on sale? they told me that they would adjust the price once the items were shipped. So I went ahead and waited for the items to be shipped hoping that they would adjust the price, to my shocking surprise they did NOT ONLY NOT ADJUST THE PRICE TO THE SALE PRICE BUT I NEVER RECEIVED ANY OF THE ITEMS THEY CHARGED ME FULL PRICE FOR. I THEN TRIED TO CALL THEM AND ASK THEM TO REFUND THE MONEY THEY CHARGED MY CREDIT CARD. HOWEVER, THEY DID NOT REFUND THE ACCOUNT AND KEPT CALLING ASKINGME TO PAY FOR THE ITEMS I NEVER RECIEVED. THIS IS THE REASON I AM FILING THIS COMPLAINT. I RECENTLY RECEIVED ANOTHER LETTER IN WHICH THEYRE THREATING ME TO CONTINUE TO ADD INTEREST CHARGES AND ALSO REPORT ME TO THE CREDIT COMPANIES AND SELL THIS ACOUNT TO COLLECTIONS, AS WELL AS PERSUE LEGAL ACTIONS. PLEASE HELP ME WITH THIS UNJUST AND UNFAIR AND ILEGAL ACTIONS MACYS WANTS TO PERSUE AGAINST ME. THANK YOU.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc. (CA)

On XX/XX/2021 I pulled my credit report to see a collection account from Kingston Data & Credit with a balance of {$1600.00} listed. I have absolutely no knowledge of this debt or company. On XX/XX/2021 I drafted a validation letter, not to be confused with a verification. Requesting they provide me with competent physical evidence that I had any legal obligation to pay their company. On XX/XX/2021 I sent my validation letter out via USPS Certified mail, after tracking my letter I see the company received it on XX/XX/2021. Under the FDCPA laws Kingston Data & Credit has failed to responded to my validation letter in the legal allotted time which is 30 days of receipt. Kingston Data & Credit has also violated my consumer rights under the FCRA & FDCPA by continuing to report negative information to the credit reporting agencies causing a detriment to my personal credit while in the process of disputing this information. This debt is now unverifiable.
Consumer complaint received 2024-04-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (TN)

My husband and I went under contract on the purchase of a home located at XXXX XXXX XXXX XXXX TN XXXX on XX/XX/XXXX. This home purchase was based on using the VA Loan Assumption through Freedom Mortgage loan # XXXX. 
The process had been terrible and awful from the very beginning with delay after delay in getting the process started. 

XX/XX/XXXX we FINALLY received an email from a loan processor ( XXXX XXXX ) requesting a few additional documents, which were sent as requested immediately. Said email from XXXX stated " Once all documents are in, I will be submitting the application to the Underwriting Department. They will complete an Initial review for Conditional Approval. Underwriting turn around is 30 Business days ( not including Saturday and Sunday ) to pick up the application for review. 

When we have Conditional Approval, the Underwriter will list out the documents needed for Final Approval. I will reach out to you to go over the documents needed. When I receive those document from you, I will work to submit the application back to the Underwriter to review for Final Approval. Underwriting turn around is 30 Business days. ( not including Saturday and Sunday ) '' We have been going in circles with them as they keep coming up with excuse after excuse on documents they need. It is now XX/XX/XXXX and we still have no idea when we will be closing. This feels very deliberate and intentional of Freedom Mortgage to not want to have the loan be assumed because it is a lower interest rate so their is no incentive for them. The seller of the home and I are BOTH military veterans and are absolutely disgusted with how this is being handled. Their hold music/message boasts about supporting military and first responders but this is far from the truth. I want this resolved and I want answers on the intentional delays.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (FL)

On XX/XX/2024 at XXXX I called Axos Bank to inquire about atm fees and to get more information about international transactions. A rep initially accessed my account but did not know what she was doing and sounded lazy over the phone as if she was sleeping. When I asked her about the atm fees she did not know what to say and I was skeptical. I asked to speak to a supervisor and she cut me off and rerouted the call. I called again about at XXXX and spoke with XXXX a supervisor but also she gave me the wrong information and did not know about atm fees. She was telling that international fees I had to pay but when checking my account there was a credit of {$5.00} refund for an international fee I just did in XXXX. I don't know if this refund was a courtesy or a fee that was refunded. Anyways she told me atm fees were refunded at the end of the month but that is not true. Because my atm fees are refunded almost immediately. When I questioned her she got snappy and did not want me to talk. I requested a call from a supervisor but nobody ever gave me a call. Axos bank used to have great customer service but now is terrible nobody knows anything and reps hanging up the phone on you and giving misleading information. This bank is going down the drain and others are stepping in to take in the unhappy customers. I don't like when reps are rude and don't know their job. Also a request was made for a supervisor to call back but it never happens. Maybe is a way for the rep to refuse the call. Also XXXX told me that atm withdrawals can only made from certain atms and to look it up. But since I opened my account I was told that i could withdraw money from any atm and the fees would be refunded and that is how it has been. I withdraw cash from any atm. Now as far as making deposits I just found out that Axos cut access to most banks so things changed. Before I could make cash deposits at XXXX XXXX  but recently just found out not available and other banks as well. I was never told this by Axos bank and it would have been helpful to pass this information to consumer and not mislead u. So some features that this bank started with in the beginning such as great customer service and all other benefits, now are being erased and are not available anymore. I want to know more information about international atm fees and also what banks i can make cash deposits. I had to make this complaint because it seems your reps don't have an idea what they are doing and don't want my call to be cut off or dropped from an unhappy customer service rep.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OKCoin USA Inc. (AZ)

My complaint is with XXXXXXXX XXXX and OKCOIN. I was contacted by a salesman from XXXX XXXX, who sold me a subscription for {$190.00} back on XX/XX/2022. I paid it with my XXXX credit Card. In XXXX he call me again and told me that subscription was no longer being offered and he had been trying to refund my money. He connected me to a XXXX XXXX who could help me. XXXX asked me to log onto my computer and he could transfer me the money. I told him I wasnt giving him my Bank Infomation, he said he didnt need it. When XXXX tried to transfer the money, he claim he sent {$9800.00} into my account. Then he claimed he sent my {$200.00} onto a OKCOIN account. He transferred {$9800.00} out my saving account into his own account. I went into XXXXXXXX XXXX @ XXXX XXXX XXXX XXXX XXXX Az. XXXX and they told me their was nothing they could do. I filed a compliant with the Atty. General Office and the XXXX # XXXX, XXXX Police Report # XXXX.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING reported to three credit reporting agencies a debt that was not mine. It was a result of identity theft. I was able to get this deleted from two agencies. I struggled with my credit scores because of this inaccurate and incorrect reporting.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (NY)

Starting on XX/XX/XXXX, someone used my debit card/made a skimmer of my card and made several withdrawals at different XXXX around XXXX, NY and XXXX XXXX , NY area . On XX/XX/XXXX the the first fraudulent claim was made, unbeknownst to me. I called discover customer service workers on the XXXX, after my card was blocked when trying to pay for a co-payment at XXXX for medication. The worker at this time did not tell me the reason behind my card being blocked. I was not aware that my card was recently used somewhere in XXXX NY, while I was trying to make a purchase in XXXX, New York. I was told, my card was blocked because of the address at a nearby XXXX ( a food place near the XXXX ). This is a recorded conversation that can be verified. My card was unblocked, and I was given a courtesy adjustment from Discover amounting In {$35.00} dollars for this error. This is a direct admission of guilt/error on their part. Had I been told the actual reason my card was blocked, I couldve put an immediate stop after the first withdrawal, and the person wouldnt have went on and continued to withdraw from my account 3 additional times. On XX/XX/XXXX, I attempted to use my card, and again, I was blocked from using it. This is when I was informed that my card had once again popped up in XXXX, and was being used to withdraw money, while I was in XXXX. I immediately froze my card and reported this to the fraud team and was sent a new card. I sent discover multiple documents showing that I was never in XXXX, New York for the month of XXXX, or during the times my care was being used. I took screenshots of all the locations my XXXX was pinged to for the weeks leading up until the fraudulent withdraws was committed. On the dates the thief withdrew money In XXXX my location shows I never left XXXX, New York. I submitted documents showing on XX/XX/XXXX, I was in XXXX receiving XXXX XXXX XXXX, while my card was showing up in XXXX. I sent all of my locations for this day and they all placed me in New York. I cant be two places at once. XXXX location services uses outside GPS, WiFi, Bluetooth and hotspots to ping mobile locations, which I have no control over. So, if my phone shows I was never in XXXX than obviously I was never in XXXX, New York. If my phone location shows I was near my house at the time money was being withdrew from my account, obviously I was near my house.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX  XXXX XXXX XXXX  / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

This is another COMPLAINT to notify you of unknown record on my file. When I reviewed my credit report, I was confused by unknown information appearing on it. It is very important to keep an accurate credit file. There is BANKRUPTCY that was NOT MINE.. I contacted the Florida XXXX Bankruptcy Court located at XXXX XXXX XXXX United States Courthouse, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX Phone number was XXXX regarding this matter. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble! Thank you. 
Bankruptcy XXXX  XXXX-discharged US BKPT CT FL XXXX Filed on XX/XX/XXXX  Reference number : XXXX ; Discharged XXXX : Bankruptcy Filed on XX/XX/2021 Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX  Reference number : XXXX
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

Used to have my mortgage payment to XXXXXXXX XXXX XXXX XXXX they sold it to pnc and pnc bank making a hard time to take a payment I dont know what to do I tried XX/XX/XXXX to make a payment so I got a person and explain it cost XXXX dollars or simple to do it by the automatic system so I follow the instructions but couldnt get true Would appreciate to to switch back to XXXXXXXX XXXX XXXX XXXX there was so simple