davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

After months of aggressive calls from this Portfolio Recovery who is collecting on behalf of XXXX XXXX XXXX XXXX I decided to give them a call, quite a few calls in attempts to resolve and satisfy. Their customer service is so bad, unethical and just inappropriate from being hung up on to practically threatened on calls I finally asked them to cease and desist once they sent claim to Attorney XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX XXXX CT. Between these two companies they claimed to have served papers to an old address which would have notified me of a court hearing. I found out about a judgment made against my wages from my employer, that was my first notice. I have since reached out to both Portfolio Recovery & Attorney XXXX office offering to satisfy account and they kick me back and forth. As a result of losing my job years ago this is one of 3 debts I have been working to resolve. This being the ONLY company I can not communicate with. Currently I have a garnishment for one of the 3 debts that will go on for the next 1.5 years.  Since Attorney XXXX office was awarded garnishment to my wages their wage execution will not start until possibly XXXX. After numerous attempts of offering to satisfy account and settle, Attorney XXXX office refused any offers since the execution of wages was approved. I filed motion to modify and took them to court on XX/XX/XXXX and advised them I never was notified of court hearing to make any argument but was willing to discuss any settlement to be done. I explained to the court that I never received or was served and the judge instead was asking the plaintiff attorney to help him understand the process once the garnishment is in place. None of this made sense. Now here I am, having had my credit already tarnished the last 4 years at least, trying to clear this debt which by the way was partially disputed with original creditor prior to any collections but neither company will allow me to do anything to resolve. What sense does it make for us to wait and sit on a debt for the next two years until my current garnishment is done to then get paid at {$10.00} per month for the next 5 years when I am more than willing to offer atleast 50 %. The 7 year statue will kick in before they are even done being paid. This company is a disgust and the attorney representing them, just no way to communicate with people. I am unsure how to expedite the settling or satisfying of this debt. This is morally wrong on every level. They refused to remove disputed and unauthorized charges and also refused to settle on any level even when I decide to pay against what I know I do not owe. Keep in mind I was NEVER served any court notice. Who would choose to not show up to a court hearing.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANS UNION IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. MY XXXX XXXX XXXX CREDIT CARD AND XXXX CREDIT CARD BOTH SHOW INCORRECT BALANCES AS WELL AS CREDIT USAGE. THE BALANCE ON THE XXXXXXXX XXXX XXXX CARD IS {$3.00} AND THE BALANCE ON THE XXXX CREDIT CARD IS {$3.00}. THE USAGE IS SHOWING XXXX XXXX. THIS INFORMATION IS INACCURATE AND I AM UPLOADING DOCUMENTS AS PROOF.
Consumer complaint received 2020-03-28
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. (IL)

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX XXXX & Experian along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report.
Consumer complaint received 2020-03-28
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. (IL)

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX TransUnion & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report.
Consumer complaint received 2024-01-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Finance of America Holdings LLC (TN)

To whom it may concern, My grandmother passed away in XXXX 2023 leaving a reverse mortgage. The reverse mortgage company was very difficult to work with however we finally managed to pay the loan back. They gave us a payoff amount of {$170000.00}. We secured the a new loan and wired funds to the company on XX/XX/. The reverse mortgage company received the total amount requested and released the lien on the property. On XX/XX/ we received a check stating that we overpaid by {$830.00}. The check was made out to the wrong person and the mortgage company is refusing to reissue the check with the proper name of the person. Please help me.
Consumer complaint received 2020-03-16
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. (TN)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-03-25
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: ENCORE CAPITAL GROUP INC. (PA)

MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$620.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I already filed one complaint with the CFPB ( COMPLAINT ID XXXX ) and will be adding this new complaint against the same group ( CITI BANK ) who sent this most recent letter adding more unethical practices and malicious behavior to the former complaint. Additionally, I be taking this to both LOCAL and NATIONAL news channels as CITI BANK has further made unethical and malicious practices against a customer during COVID-19 PANDEMIC who has a perfect payment history with them. Moreover, I am looking into things that I can do with my on staff attorney about any ambiguous clause CITI BANK may think they have where they can ask me to bring forth a payment that is roughly 60x ( YES 60X ) my minimum payment. I have NEVER had a PAST DUE amount with CITI BANK in 10+ years. 

Details : CITI BANK is demanding I make a {$12000.00} MINIMUM PAYMENT which is absolutely not a legal business practice or within my terms for a personal revolving credit line where my current balance is roughly {$18000.00}. My MINIMUM PAYMENT of {$510.00} in XXXX and was not only made in-full ON TIME but I actually paid {$1300.00} which is 3x what was required. 

CITI BANK is making unethical business practices during a STATE OF EMERGENCY and forced a credit line closure thereby withdrawing liquidity from the consumer market. CITI BANK forced debt collections and pre-mature Credit Card debt collections to customers who have 10 years+ of perfect payment history in addition to withdrawing liquidity to the market is absolutely tortuous and almost criminal considering they are being BAILED OUT yet again for not running a clean balance sheet. 

This is all in response to my {$13000.00} payment I placed a hod on when CITI BANK decided to tell me they were going to arbitrarily reduce my credit line once the payment was made. Again, pulling liquidity from the consumer market. I decided to revise my payment and pay {$1000.00} and they closed my account and are now demanding I pay them {$13000.00} as a minimum payment a month later. NOT LEGAL at all. 

They appear to be trying to use the clause in the XX/XX/2020 letter related to " past due '' amounts and new balances ( letter included in this complaint ) however, I was NEVER past due and in-fact overpaid and have always overpaid above minimum payments so their letter is arbitrary and a blatant threat to a customer.
Consumer complaint received 2020-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Comerica (AK)

I am social security number XXXX receiving social security XXXX benefits under the United States of America social security administration since XX/XX/XXXX. 
The purpose of this complaint is report theft by Direct Express Payment Processing Services with advertising address of XXXX XXXX XXXX XXXX XXXX Texas XXXX in the months of XXXX to XXXX of year XXXX ( estimated {$1500.00} ).
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I am still without refund for the taxes paid on the phone for a mere {$63.00}, which I have initiated a dispute on my Visa card for that account charged on the basis that you charged me for something that I dont have and you should have never charged me. From what I have been told. You are only to charge taxes on a lease phone plan and the plan even though it was supposed to be a lease was setup as a payment plan. So therefore, you charged me taxes you were not supposed to.
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P. (IL)

I requested my free credit report at XXXX XXXX XXXX and noticed that they had me for Placed For XXXX XXXX XXXX XXXX XXXX XXXXXXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX opened XX/XX/XXXX Date Reported XX/XX/XXXX I don't know what is going on but this account does not belong to me and its affecting my credit. I need this account to be removed if they don't have anything in writing by me or signed they need to remove this immediately from my credit report that includes from all XXXX XXXX XXXX XXXX Im checking my credit report and writing letters to dispute accounts. I do not recognize as well and sending them notorized and mailed certified as well. I ask please to investigate and have XXXX XXXX Removed that account once again does not belong to me. I also noticed that they have me at XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/XXXX I never lived at that address please have this as well removed from my credit report thank you.
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (PA)

On XX/XX/XXXX, our city was declared a disaster area and my job was shut down for an undetermined amount of time but, for at least 2 weeks. I contacted Dovenmuehle and asked if they had any programs that would assist us during this time. They asked me to write out a hardship letter and scan and email it back to them. I attempted following up 2 times within a week an a half and the 3rd contact with a representative, I was told that they would have a decision for me the next day, but they didnt know how I would get that response. Two days later, I had not heard anything by phone or email so I attempted to call loss mitigation again. They have a recording stating they are not taking calls and the call is disconnected at the end of the message. They leave no option to leave a message. I attempted to email them and get no response and no automated email even telling me whether the email was received or not. Today XX/XX/XXXX, I checked my mail and receive a letter stating no decision, but telling me that because I asked for assistance options, they may have an appraisal done AT MY EXPENSE. I have always made my payments on time and I am current and up to date on my loan. I have no way to contact this company and I feel I am being taken advantage during a national pandemic. I want to know the decision on the forbearance and if they are not assisting me in anyway, then I want to know that they will not be ordering an appraisal that I would have to pay for. Charging me money during a time I am forced to be out of work and trying to make ends meet is predatory and disgusting.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX and XXXX says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.
Consumer complaint received 2023-03-09
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: TD BANK US HOLDING COMPANY (CA)

This is my 2nd time or 3rd time fileing a complaint on td auto finance As stated before. Td auto finance is report in accurate information on my experian credit report. I'm requesting td auto to remove account off my experian report asap. I know account is gon na self come off XX/XX/XXXXXXXX as fcra allows 7 years has passed since last payment was made. I want this off asap. 

I went to court to tell Judge that the attorneys for td auto finance didn't serve me. Judge ordered default Judgement to come off my record. I do now owe td auto the amount showed on my credit report. The car was repo years ago. Delete this now td auto. 

I'll see u in court XX/XX/XXXXXXXX for our conference. Also td auto. I'm not collectible as I'm getting on social security. I have blood XXXX. And I'm not working So please do the right thing. Leave me alone and take off account off my credit report
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Has illegally listed an account on my credit reports. I have never entered into any agreement or received any services from this company. They have bought a file which has been illegally re-aged after previous collection agency removed it from my credit due to aging off and I have disputed this with the three credit bureaus due to them aggressively and maliciously continuing to report this account it has affected my credit rating and I have endured undue stress and ruined my credit rating.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-03-28
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: F.H. Cann & Associates, Inc. (CA)

They took 3 years of Federal refund away from me. Would like my money back!! Even this year with all of Corono Virus going on. I have no job! They are crooks!!
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-03-28
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: VALLEY NATIONAL BANCORP (PA)

Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit XXXX, XX/XX/2019 Villy na bk, XX/XX/2019 2019
Consumer complaint received 2020-03-16
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. (CA)

I have been shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.
Consumer complaint received 2020-03-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Housing & Financial Educator (NC)

I paid them XXXX to stop foreclosure XX/XX/2019 and I call the bank and the last contact was in XXXX it is now XXXX and they are starting forclosue again and have a sell date
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

I received a Payment Offer letter in the mail from AMSHER COLLECTION SERVICES INC with payment plan options for an alleged balance that is not mine and that I do not recognize. There is no information on this flyer that states how to dispute the alleged debt. This is the only mailing I ever received from AMSHER COLLECTION SERVICES INC. 

On XX/XX/2024, I requested verification of the alleged debt from AMSHER COLLECTION SERVICES INC. Specifically, I requested a copy of the final bill for the amount AMSHER COLLECTION SERVICES INC alleges I owe. AMSHER COLLECTION SERVICES INC never responded to my request, nor did AMSHER COLLECTION SERVICES INC provide verification of the debt or the alleged owed balance.

AMSHER COLLECTION SERVICES INC reported this alleged debt to the credit bureaus and it has negatively impacted my score by nearly XXXX XXXX. AMSHER COLLECTION SERVICES INC never provided me with information on how to dispute this alleged debt and never verified I owed the debt, which is against the law. 

Thank you for your help. XXXX XXXX
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc. (VA)

The company and I agree to a payment of XXXX when the car was repossessed I paid {$500.00} was going to pay in payment for the repossessed fee will be applied every month and I needed to pay XXXX extra a month. now they are reporting on my credit report that I am XXXX days behind with a XXXX balance I tried to talk to them to correct this and they still have not my car was damaged in the repossessed process and they still haven't done anything.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4.  XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-03-16
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. (FL)

I Would like to make a complain about being a victim of identity Theft I check my Credit and I Notice that there are Accounts that I did Not Authorize these Accounts was not open by me. 
I needs these accounts Removed From My Credit thank you
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One credit card. 
I reported non shipment for the order I placed on XX/XX/2020. 
Initially the CC issued the credit, but then revoked it without explanation. 
The order was never shipped, the seller does not reply to my messages. The bank is in violation of the federal law that allows me not to pay for the order not received.