davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hi, Portfolio Recovery Associates, XXXX Claims they have sent me letters for a debt I owned 2 years ago. I never received any communication for them informing me of this debt. No mail no phone call no nothing from them. A few days ago I received a notification from XXXX XXXX stating that my credit had dropped by 28 points due to Portfolio. Once I logged in I saw Portfolio and I got very confused cause I've never heard of this business before and neither have I ever spoken to them. I'm extremely upset about this because Portfolio didn't even notify me of this matter and I got attacked on credit score for it. I had to call myself to verify what the debt is about and what the debt is once my credit report got updated. I had to be the one to reach out to figure out what the report on my credit score was. One we figured out I settled the account and I paid it off and now it's all clear and settled but it's still showing on my credit report. It's a closed matter but for whatever reason they still didn't updated my credit. 

I tried contacting the company all day and no response and no pick up. I left an email with all the info for the payment that has been made and hopefully I'll get to hear about it then but I doubt it cause this seems to be a pattern with portfolio not just with me but other clients who I have read negative reviews on different reporting sites. I want this payment and the closed matter updated on my credit score especially since they are totally messed up for not even notifying me of this debt. 

I only found out about this debt in XX/XX/XXXX and it's XX/XX/XXXX now and It's already paid off and we settled it. I was on top of this and I need them to be on top of this also. I called last week to ask to speak to a manager and I asked him why I've never received communication about the debt weather its phone or mail and he couldn't ' even answer me as to why that happened and went to on to continue talking about totally something else disregarding whatever I had asked. I will be visiting legal options for this fraudulent activity. I do believe creditors need to notify you as soon as the debt is owned by them and I've never received such notification from Portfolio. 

I want my credit report to be updated since I have paid the full amount we settled all at once and this account is now closed. The final payment has been made. Debt creditors usually buy debts for pennies for dollar and they still don't do things right now. I didn't even receive an apology for never notifying me and they couldn't give me an expiation as to why this happened. I reach a bunch of reviews online from different costumers experiencing the same issue. 

THE BALANCE AS BEEN PAID OFF IN MY END AND I WANT THIS REMOVED FROM MY CREDIT ASAP. THIS DEBT IS PAID OFF. UPDATE MY CREDIT RIGHT AWAY THIS MATTER IS CLOSED AND SETTLED.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX XXXX!
Consumer complaint received 2018-04-14
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. (FL)

XXXX and Equifax Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from XXXX or Equifax. 

Equifax is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with Equifax several times, with the information still remaining on my credit report.
Consumer complaint received 2021-12-07
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To : CFPB Consumer Financial Protection Bureau Regarding Bank of America I called Bank of America on XX/XX/2018 to tell them that I had just noticed some fraud charges on my checking bank account, for the past several months each month since XX/XX/2018 there was {$150.00} being taken out of my checking account in XX/XX/XXXX and XX/XX/XXXX there was {$120.00} each month being taken out for a total of {$700.00}. I informed Bank of America that I did not authorize those payments, the person who took my claim said she was going to credit me back the money I also ask them if I need to do anything else for my claim they said if there was more information needed I would be contacted. They messaged me a letter thru my bank account on XX/XX/2018 stating that my claim had been denied. I called the bank and asked why it was being denied if I never authorized those payments, they said to send in more information and they would further investigate that claim. I faxed over and emailed the copies of the police report and a print out of the fraudulent companies website. I checked my account today XX/XX/2018 and Bank of America took out of my checking account the {$700.00} they had issued a credit for on XX/XX/2018. 
I called Bank of America and the person who answered was very short and rude saying I should have never had gotten credit for this claim and they weren't going to do anything to try to resolve my problem that my money was gone. They kept on repeating that the Federal government doesn't require them to protect my checking account number that the Federal government only requires them to protect my debt card. 
I feel like as big of a bank Bank of America is they should protect my bank account totally not just my Debit card. I do not feel like they even tried to help resolve my problem. Someone stole from my bank account and the bank did nothing about it. I asked them to give me the information of the bank who stole my money so I could give it to the police so maybe the police can do something about it, but they rather protect the bank/people that stole from me than help the police try to prevent these things from happening to people. 
This money was stolen directly from my checking account and Bank of America should protect their customers.
Consumer complaint received 2019-08-28
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. (NY)

I need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Account address ID # XXXX, has violated my rights and is incorrect. 

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 an account with my written instructions.
Consumer complaint received 2020-12-14
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX XXXX XXXX )
Consumer complaint received 2019-08-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am writing because Equifax is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 
I am NOT requesting for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : XXXX  XXXX/XXXX/XXXX I do not even know which one is the company, I have 3 different names on this alleged account that claims {$2100.00}. This account is unknown and was not validated. 
XXXX XXXX XXXX ( XXXX ) claims {$170.00} account is unknown, and was not validated Please provide me with the following as an investigation by Equifax to validate these claims : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed including MY SIGNATURE to pay what you say I owe on these accounts ; Provide a verification or copy of any judgment if applicable
Consumer complaint received 2022-06-12
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. (NJ)

I have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IN)

Credit Karma I Had Fraudulent Activity Happen In my account and I contact credit karma and let them know the situation sent them all documents from the incident that occurred with Proof! and a Police report dates times everything Credit Karma Frozen My account, And my direct deposit from my employer is going into this account it's been over a Month and they won't release the freeze on my accounts I call every day and customer service tells me the Higher Up department has my case and the Only way to contact them is through Via Email I Repeat I Call Everyday and each time I call they quote unquote I am Escalating your information to the XXXX XXXX where they have your case because the cases is in XXXX I ask them please can my account be unlock and they state they can't see my file because my case is under review I've been called a lier, and been disrespected and discriminated by an employee a customer service or could've been higher up I don't know however I'm just asking for my account to be unlocked I complied with everything asked of me but they're not complying at all dates start XX/XX/2022 to Current with no Updates and no emails I have all supporting documents and each email of Repeat it information asked from them if they can unlock my account and still do their investigation it would be Greatly appreciate it I've been ever so stern about this situation I'm getting upset and All Call Say They Are Recorded..I Keep Getting The Run Around I Need To speak to Anyone Other then Customer Support they are all XXXX and you can't understand nothing they're saying.. Credit card needs to be sued And investigated They are a Scam...
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

This is not my debt. When it was opened, it appears that I was only XXXX XXXX XXXX. I have no knowledge of this account. I am including a copy of my birth certificate to prove my age.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On Thursday XX/XX/2019 I had received 2 different letters dated on XX/XX/2019 from the HSBC Bank to inform me my checking account will be close on Friday XX/XX/2019. By exercising their right for rules for consumer Deposit Accounts. 
Second letter was my credit line account has been terminated ... 
I try many times call XXXX numbers to know the reason with details to defend myself of innocence of what triggered the company to close all my accounts. Only answer was I break the rules for consumer Deposit. 
I had 9 years of relationship with the Bank never had problem of late payment of my credits Line and never use the full potential of the credits few months ago they raised my credits line ... I never on 9 years overdraft my checking account, plus I had security checking account if was ... 
Only Deposit I have on this checking account are my direct deposit from my employers.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scott Fetzer Financial Group Inc. (OH)

In XX/XX/2019, I purchased a XXXX  molecular hydrogen water machine from XXXX XXXX as I was approved to be member of a case study which they failed to honor ( not my main concern ). My concern is when I learned that the machine wasn't performing at advertized specifications of 6ppm of molecular hydrogen verses the 1.5ppm as I tested personally with a titration technique. I contacted them with no reply for weeks. The device, also began later to emit a foul order which is indicative of mold. I contacted the company again and the CEO XXXX XXXX answered, he basically wasn't concerned and told me I'm wrong. I'm a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, I'm well aware of how to maintain a water system and how to conduct a titration method to determine levels of an analyte. The system isn't safe. XXXX promised that quarterly service would be conducted which is completely false as well as I've learned from a social media group that I've recently joined. No filter replacements nor UV lamps are offered through the company website, which no water filtration system can be viable long-term without either replacements. I'm well aware numerous others have filed a complaint against XXXX or UCFS through this office so I'm basically following suit. I'm requesting XXXX accept a return of the XXXX XXXX system and return the loan they brokered through United Consumer Financial Services. I received a letter however from the lender today date XX/XX/XXXX instructing me to not attempt a return of the device to the manufacture ( XXXX ) as this well not relieve me of the financial obligations. I don't understand why I can't return the machine and attempt to have XXXX return the borrowed amount. The reason I'm reaching out requesting assistance is, I do not have the financial means to absorb a XXXX dollar loss of a machine that is probably refurbished ( not new as advertised which explains how it became moldy in less than 90 days of possessing it ). If the device was under {$500.00} then I wouldn't expend the energy but I'm responsible for a loan of XXXX, that XXXX arranged for a poorly made machine. I greatly appreciate the assistance of this office. I'm understandably upset with UCFS the lender, I've never encountered such a situation. If they wish to take possession of this non-functional machine, I'll gladly pursue that option but I don't wish to make payments on a device that isn't functional. On an additional note a suit has been filed against XXXX by another lender XXXX XXXX ( another financial institution XXXX used ) in the state of Georgia. My desire is that UCFS follow that course not harass it's XXXX victims. 

My sincere thanks in advance XXXX XXXX
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

Hello, I just spoke to Chase, ( XXXX ) regarding a debit of {$140.00} from my account. According to XXXX, I was advanced money for the child tax credit,. Chase charged me XXXX XXXX. On that day I made a deposit of {$450.00}. So, for this transaction I have incurred {$180.00} in fees? According to chase they gave me the full access of {$500.00}, and this warrants a total of {$180.00} in fees? This is almost 40 % of the tax credit eaten up by fees
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WY)

A mortgage escrow statement dated XX/XX/2018 ( see attached file ) posted to my online mortgage account on that date. The statement indicated a escrow surplus check in the amount of {$600.00} would be mailed to my address. It never arrived. On XX/XX/2018 I phoned Nationstar Mortgage dba Mr Cooper mortgage to inform them that I had not received the check. The representative said a new check would be issued and mailed. That check never arrived either. On XX/XX/2018 I called once again. The representative said the reissued check was mailed on XX/XX/2018, but would reissue another check. Then the representative transferred the call to a supervisor. XXXX the supervisor ( employee number XXXX ) suggested both previous checks may have been sent to the mortgage property address rather than the mailing address the mortgage company has had on file for years.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I opened a account with XXXX XXXX in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It  still appears with the credit bureaus after 7 years and I contacted XXXX XXXX XXXX on XX/XX/XXXX they stated it would be removed from my Transunion and XXXX   bureaus but it has not yet been deleted.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Lending Club Corp (PA)

XXXX credit card and I received a card with micro chip in the mail. 
2.XXXXcompany made aware on XXXX 3.XXXX XXXX account opened in my maiden name which I haven't used in over 20 years-XXXX they were made aware the account is fraudulent. 
4.XXXX-mastercard account-I could not contact anyone on the phone about this one. 
5.XXXX debit card=Someone opened this under my first and middle name-reported XXXX 6.XXXX debit card=came with someone elses name on the card-I called and made then aware I didnt open this account. 
7.XXXX bank account-debit card with chip came in mail-made aware on XXXX 8.XXXX XXXX opened a bank account in my name-I made them aware on XXXX 9XXXX XXXX-bank account opened in my name-made aware in XXXX 10.XXXX XXXXXXXX XXXX XXXX opened a bank account-called -made aware XXXX
Consumer complaint received 2019-09-09
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. (NY)

XXXX XXXX is reporting the account as charged off with XXXX as XX/XX/XXXX on one report and XX/XX/XXXX on another. Its also reporting a payment on XX/XX/XXXX. Its been updated falsely in XX/XX/XXXX. Aside from reporting the account as charged off theyve sent the account to collections. ( See attachment ) Please delete account immediately for false reporting.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (NJ)

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in a timely manner.