davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Attempted to dispute with collection agency. Information on all 3 Credit Reports does not match. Date on XXXX is XX/XX/XXXX, XXXX ; no info and XXXX ; XX/XX/XXXX. XXXX shows placed for collection, while XXXX and XXXX don't show any info. 
Date last active on XXXX shows XX/XX/XXXX, XXXX no info and XXXX XX/XX/XXXX. How can there be a 2 year gap between 2 bureaus and no info for XXXX. I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately. As it has a detrimental effect on my credit and due to the fact it is not reported accurately, it should be removed.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX, XXXX Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/2021 i filed a complaint with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports twice after it being removed which are XXXX, XXXX and XXXX that do not belong to me which appears to be fraud with a past due balance of {$580.00}. 

I've never done business with PORTFOLIO RECOV ASSOC or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, DOB or any personal information. 

PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from Capital one with a name similar as mine and trying to force me to pay for an account i never open, I called and ask them to send me a copy of documents with my signature or a copy of my drivers license/social card they have on file, because there are a lot of identity theft going on and i need those documents they are using to match me with the Fraud account so i can file a police report. When i ask for that info the lady hung up on me. 

i called back and a male guy picked up, and when i ask for the same information, i was told " We don't need to provide you with anything, you owe this and need to pay us '' XXXX removed this fraud collection account on XX/XX/2021 and PORTFOLIO RECOV ASSOC added right back on XX/XX/2021
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

My significant other wrote me a check from his credit union ( XXXX XXXX ) to my bank ( BECU ) and for some reason my bank did not recognize the check, flagged it as possible fraud and put it in their financial crimes department. I tried to mobile deposit this check XXXX, my card declined repeatedly on XXXX and I reached out to the bank that same day where they informed me that my check was flagged and they have locked my entire account. I now have not had access to my credit card, debit card, or mobile banking since XXXX and it is now XXXX. I have called BECU almost every day since the lock was put on to try to get this resolved and at least get my bank account unlocked because I have bills and expenses to pay. They are refusing to unlock my bank account until the check has either been returned or passed through to my account. I have repeatedly told them I don't mind if they hold the check but I need my bank account and cards unlocked so I can pay my bills and they have refused. I was able to withdraw cash on XXXX by driving down to the XXXX XXXX XXXX XXXX after a long wait and process so that I am able to purchase necessities but the bank is still refusing to unlock my card. I also had my boyfriend call his bank to see if they could do anything to speed up the process but they were unable to do anything until whoever handles checks on their side processes that to my bank. It has now been a full week since I have not had access to my money and despite calling repeatedly I have not gotten any updates on the process other than it is " not done yet ''. They have completely locked me out of my own money and I can not access any mobile or online banking as well.
Consumer complaint received 2021-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (TX)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by AMERICAN EXPRESS . I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act by AMERICAN EXPRESS on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by AMERICAN EXPRESS took adverse action against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. AMERICAN EXPRESS are now civilly liable to pay me for the damages.
Consumer complaint received 2021-06-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I sold my home and paid off the existing Va. loan with Freedom Mortgage on XXXX-21. I submitted the change of address at closing and with my post office. Freedom Mortgage allegedly sent my escrow refund for {$2400.00} to my old address. I never received the check and contacted Freedom Mortgage on several occasion 's. I has now been over a month and a half and I'm told it will still be over a month before they will send me my funds by check. Freedom Mortgage refused to wire me the funds and will not return my phone calls. Please help! 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (NC)

I have a loan with Lendmark Financial Services. My payment is due on the XXXX. I had to change apartments due to mold & constant violence & then the snow storm hit, which left me flat broke. I inform the lender of my situation and that I could make the payment on the XX/XX/XXXX. Their agent " XXXX '' told me that was unacceptable and they could not take the payment then ( the payment would not have been 30 days late ) ->harassing phone calls and letters started. Then On the XXXX they called me for the payment..?? This is harassment by predatory lender, either you want to work with me or not. I have taken steps in retaining an attorney to mediate the matter, but in the meanwhile I need for the harassing phone calls to cease. According to the law as long as the know where I am at all times, the constant phones and harassment should not be happening. I see why the state of NY sued lendmark. I have been thru enough with this company, they have warn on my peace of mind and faith in fair business practices. I have placed complaints on AND with this company before. In my findings its has been the only way the I and others have received any fair result. The previous complaint I had placed, went well the headquarters/main office were fair and I had no problems this is just on the local level where problems arise. I can no longer afford this loan which I have explained several times, the interest rate of 29 % is taken a toll on me financially especially with last series of events and now mentally. I did not give a closing statement to that complaint b/c I knew i would still be faced with more problems later on. Not just my opinion hundreds of people have & are going thru the same thing.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (WA)

My account with credit karma was locked for receiving a paycheck from my live in girlfriends employer. Credit karma insists the situation has been escalated and i will be contacted. There has been no contact and they refuse to divulge how to get in contact with the department that handles these matters
Consumer complaint received 2022-12-17
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CO XXXX Balance : XXXX XXXX XXXXXXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2021-11-15
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: Experian Information Solutions Inc. (NY)

I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. XXXX XXXX XXXX is in violation of 15 usc 1692g as they have failed to validate the account they and EXPERIAN, XXXX and XXXX are reporting while defaming my character. FDCPA 807 misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.
Consumer complaint received 2023-02-21
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX  XXXX XXXX XXXX Balance : {$6500.00} ; XXXX   XXXX XXXX XXXX Balance : {$0.00} ; MI XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

i got behind on my mortgage payments during covid 19 but was lucky enought to come up with the money need ed to get my mortgage current in XXXX of this year and made two payments totally over XXXX dollars to freedom mortgage in two separate payments, i have been talking with the company about the missing payments and sent proof of payment to them two separate times and yet my mortgage still shows delinquent and i can not seem to get any traction to get the problem fixed. just seem to get the run around and they have promised to get it taken care of for weeks, but after countless phone conversations i have decided to up the ante.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Morris & Parnters, PLLC (NY)

Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. 
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.
Consumer complaint received 2021-11-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (NJ)

CHRYSLER CAPITAL VIOLATED MY CEASE AND DESIST LETTER 15 USC 1692C ( C ) BY SENDING ME A POST CARD HARASSING AND THREATENING ME THAT THEY WILL REPOSSESS MY PROPERTY. THEY ALSO VIOLATED 15 USC 1692 D IN RUINNI MY REPUTATION WITH PUTTING A LATE PAYMENT ON MY CREDIT AND THE THREAT OF STEALING FROM ME. 
ALSO 18 USC 8 STATE ALL MY DEBTS WERE ASSUME BY THE UNITED STATE SO HOW DO I OWE THEM A DEBT
Consumer complaint received 2020-12-12
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. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

XXXX. I am the manager of a Mountain America Credit Union ( MACU ) Checking Account # XXXX. It is a business Checking. 
XXXX. The business stopped operation in mid of XXXX. I requested closing of the account after business closed. 
XXXX. MACU told me that I can not close the account because it had XXXX owners. I do not know how to contact the other owner since the business closure. 
XXXX. There was a ACH charge of {$99.00} on XX/XX/XXXX on my account. 
XXXX. I called the MACU on XX/XX/XXXX questioning the charges. I was told the ACH can only be disputed within 24 hours. I was provided by MACU a phone number to call the company that charged the account. It is XXXX. 
XXXX. I called the number provided. The other end told me they are not the business I looking for. And they got such calls all the time. The other end told me it is a scam. 
XXXX. Called MACU about the scam. They refused to credit my account.
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On XXXX XXXX, I made a complaint towards Portfolio Recovery Associates LLC on the issue false statement or representation. On XXXX  My debt total was {$3200.00}. I spoke with a representative who stated they can bring the payment down to {$2400.00}. I replied I could not pay that amount but, I could pay {$1800.00} right now to close out the account. Portfolio Recovery came to a decision and agreed on the {$1800.00}. I provided my debit card information and the representative began reading the disclaimer ; however he stopped and put me on hold for about 25 minutes. After the {$1800.00} was taken out of my account, he stated that the Assistant Vice President declined my offer. At this point I was provided false information. I called Portfolio Recovery back and another representative told me I had a balance of {$2800.00}. I was given different amounts from Portfolio Recovery. 

On XX/XX/, arrangements were made to settle my account for {$2400.00} making the following payments : Payment of {$900.00} due by XXXX, Payment of XXXX due by XXXX and Payment of XXXX due by XXXX My debit card information was provided again to make automatic payments. 

I received a signed Request for Satisfaction/Certificate of Service letter from Portfolio Recovery Associates LLC that requested the courts to mark the case as paid and satisfied, and dismiss any and all post judgments actions, etc. This letter let me know that my debt for Portfolio Recovery Associates LLC. is Satisfied. However, I get a notification about my credit that my debt with Portfolio Recovery increased to {$5000.00}. Portfolio Recovery took that {$1800.00} from XX/XX/ and applied it to {$3200.00}. I did not receive a written notification pertaining to change. Portfolio Recovery is still attempting to collect debt I no longer owe by calling me repeatedly. 

An agreement was made and arrangements were made to settle the account for {$2400.00} by making 3 payments that were taken out of my account automatically after providing my debit card information. 

I have attached supporting documents.
Consumer complaint received 2021-11-15
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (FL)

I initially had a mortgage open with AmeriHome Mrtg. At the beginning of my home purchase in XXXX. As of XXXX XXXX my account was transferred to XXXX / XXXX servicer and AmeriHome mortgage was dropped off my credit report. As of a couple months ago AmeriHome mortgage has reappeared on my credit report now making it seem as if I have two mortgages open although I have not been with them nor made a payment to them since XXXX of XXXX. I only have one single family Home and one mortgage. AmeriHome mortgage should not be reporting on my credit. I have been dealing with them all morning today XXXX XXXX and it seems theyre giving me the run around on getting in contact with their claims/ dispute department. Ive tried faxing the claim over and it was unsuccessful, I tried opening the claim online as directed yet Im unable to login although I reset my password and login credentials. Ive called all morning and am being told different directions each time. I tried emailing them directly and as they were going to give me the email The phone call got disconnected. Im just looking to get them to stop reporting to my credit report since Im no longer with them and its inaccurate and effecting my credit.
Consumer complaint received 2021-11-15
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: Experian Information Solutions Inc. (AL)

Experian has failed to remove this inaccurate account from my credit report. I do NOT owe XXXX XXXX any money nor was I ever late. My insurance company settled the balance, and this account was NEVER LATE. Delete this account from your database because it is harming my credit worthiness and preventing me from obtaining new credit.
Consumer complaint received 2022-04-11
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: Self Financial Inc. (PA)

XXXX XXXX XXXX XXXX, Acct. # XXXX allowed someone to use my identity to open up an account. 
It has damaged my credit, and ruining my life. 

They refused to delete account from all 3 major credit bureaus.