davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX  and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is Portfolio Recovery. I do not believe that I owe this company or the original creditor which is XXXX XXXX. On XX/XX/XXXX I sent Portfolio Recovery a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XX/XX/XXXX. It is my opinion that what they sent me was not " validation ''. The company failed to send me an original contract between me and the original creditor, all they sent me was a statement and a letter from the original creditor that states that the debt had been transferred to their company.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (ID)

Fay Servicing 's XXXX customer service number is not listed on their customer service portal. There is a way to message them using their own messaging service, but no email address listed or no phone number. 

If you XXXX " Fay Servicing Customer Service Number '', you can find their number on their website ( not their customer service portal where customers actually manage their loan ). Upon calling their number, an automated voice tells me the figures of my loan. No option to speak to a real person. 

This seems to be a pretty common loan servicing practice. Just giving customers the XXXX when they attempt to get an actual human on the phone. 

It's pretty obvious none of these companies want to talk to the mortgage holders.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On Friday XX/XX/2022, " XXXX '' reached out to me on XXXX XXXX to purchase an item I had listed on XXXX XXXX. He agreed to purchase it and then tried to pay me through XXXX but it wouldn't go through because I didn't have a " business account ''. I got an email from " XXXX '' explaining I would have to send him {$300.00} and I would get the {$300.00} refunded as well as the {$70.00}. I wanted to back out, but felt guilty because he said he already lost the {$70.00} and in hindsight none of this makes sense/ I suspected it was a scam earlier on, but that guilt and good faith got the best of me. I sent him the {$300.00} with proof and then got an email saying I'd need to send an additional {$500.00} and when I asked " XXXX '' about it, he provided a different email for me to send the money to which made me snap out of it because I could not possibly reason why he had two separate XXXX accounts I would need to pay. As soon as I realized, I called Chase to file a claim and once I did so, proceeded to let XXXX know that I knew it was a scam. I received a notice from Chase today ( XX/XX/2022 ), that there would be no action taken. 

I've attached the conversation with XXXX, the email thread with " XXXX '', and the letter from Chase saying that my claim was resolved with no action.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

file against the XXXX major buraus transunion/ XXXX XXXX if the bankruptcy courts does not report to the XXXX major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the XXXX major credit buries. lexis nixes have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX  XXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on December 1, 2007. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FactorTrust, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  I want these accounts removed from report no more reporting
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS LAW.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report, I have found numerous inaccurate account that do not belong to me. I want to ensure that that the reporting is true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, have listed above and below be removed immediately as are not accurate and untrue.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS LAW.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

CAPITAL ONE BANK USA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CAPITAL ONE BANK USA along with a notarized affidavit claiming fraud. CAPITAL ONE BANK USA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CAPITAL ONE BANK USA to close their files which have any information with my name & social on it ...
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (ID)

University Accounting Services with XXXX University is threatening collections and reassignment to the Department of Education on a loan that was repaid in XXXX - I was in a car accident, had competing medical bills, and went into default on the loan while away from school - I was required to pay the loan in full with a collections agency ( XXXX XXXX XXXX  ) prior to returning- I did pay, XXXX lifted the financial hold so I was able to register and finish - I received no contact from UAS until XX/XX/XXXX, threatening reassignment - I have contacted XXXX and XXXX XXXX XXXX, both of whom have confirmed the loan was paid - UAS refuses to drop the charge of XXXX. They claim not to work with XXXX XXXX XXXX, even though the account information at XXXX XXXX XXXX directly matches the account information from XXXX ( too many digits to be coincidence ). XXXX has contacted UAS to confirm the loan has paid, but XXXX will not budge- This is unequivocally fraud - I have no idea how many other students could be affected by similarly predatory and fraudulent accounting
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (TX)

Credit karma claimed I was pre approved for a credit card and after application I was denied. Credit karma claimed that I was approved for a credit card as well and after I filled out the application I was denied. This has happened multiple times throughout the past two years.
Consumer complaint received 2019-01-30
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

For the past 4 months, Navient has been reporting delinquent to all credit bureau on my student loans. However, I was placed in a payment plan back in XX/XX/XXXX for the amount of {$220.00}. I made a payment the day of the agreement to bring my account current. For the past 3-4 months, Navient has withdrew the amount of {$220.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For those consecutive months, I've been getting hit with negative points on my XXXX. I called to investigate and supposedly I was kicked out the program and arrangement I had made but yet money was still being taken out my account. My question is why would they continue to take money out my account if I was taken out the arrangement that was made for the {$220.00}? So I decided to STOP all payment to Navient until the issue is solve. Either way my XXXX is suffering. I think it's unfair and bad business practice. The whole point of me making the payments is to help my cripple credit score in the first place. So unfair!!!
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (WA)

I made flight reservation with Chase travel. At the time of booking, chase offers basic economic class and main cabin with 2 price tiers. And the difference between these 2 options is seat assignment. Therefore I paid extra for main cabin for seat assignment. After I requested seat. I received confirmation email from Chase for flight. However, the day before my departure, I got another email from airline with different seat assignment. I tried to coordinate with chase but they said seat assignment is not guaranteed and refuse to refund the extra I paid.
Consumer complaint received 2022-09-01
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. (CA)

I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS LAW.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (FL)

On XX/XX/XXXX I sent letters to Harley Davidson and XXXX XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XX/XX/XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are  affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. Harley Davidson is still reporting this account as open on XXXX even though this account was paid off in XX/XX/XXXX. Both Harley Davidson and XXXX are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. XXXX received and signed for a certified letter on XX/XX/XXXX and Harley Davidson sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Consumer complaint received 2018-05-24
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. (PA)

Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from XXXX  and experian. For a bankruptcy. That should have been removed. It has been removed from my XXXX credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.
Consumer complaint received 2022-09-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (OK)

I do not qualify for the two repayment programs that Sallie Mae offers. These programs are the Graduated Repayment Period and the In-School Payment Assistance. I've tried chatting with them, this just gets me a bunch of pre-filled answers that I don't qualify for the programs but I can speak to someone during regular hours, in which I am attempting to speak to them during. My two loan payments are in the amount of {$150.00} and {$120.00}. I can not get help from my co-signer ( this is my spouse ). We make less than XXXX a year. However because I do not qualify for either of the two options I am XXXX. The school that I received the loans for is under investigation for defrauding ( XXXX rebranded themselves as XXXX ) and they pushed me to get this loan while I was waiting for my Pell grants and FFSA to go through. If I did not get the loan, I would not start in time, nor would my Pell Grants and FFSA cover the cost of attending. I have these under investigation with the Department of Education. However, because these two loans were private I can do nothing but just stop paying and hope they are willing to do an agreement at a later date. We do not have the credit to get refinanced. Because we are XXXX, there is nothing we can do, but hope that if we stop paying that they will be nice. I have capitalized interest applied in the amount of XXXX applied in XXXX of 2022 on both individual loans, during the Covid loan deferment period. As well as accrued interest starting from the original date of the loan until today ( will be additional days as well ), there was no pause on this either.
Consumer complaint received 2020-09-15
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. (MO)

XXXX XXXX XXXX - XXXX is reporting a debt on my credit file that I do not owe. This debt is erroneous and I can not believe this is still reporting on my credit file. 
This debt was paid years ago and it needs to off my credit.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Total Card, Inc. (OH)

Total Credit Card issued to husband, XXXX XXXX XXXX in XXXX was included on his XXXX XXXX bankruptcy in XXXX. 
They THREATENED to have my wages garnished. 
My husband and I were not even together in XXXX. We got married XX/XX/XXXX. 
I also filed a XXXX  XXXX bankruptcy in XXXX. 
We have both added our numbers to the do not call registry. 

This is in so many ways fraudulent activity. 
Please investigate this 'litigation ' company ( could not get the name of it from the caller ) numbers included : XXXX & XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XXXXXXXX XXXX  2020, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world  cause me to missed a payment on my capital one credit card in XXXXXXXX XXXX 2020. I didn't know i was penalized on my credit report for this late, I tried calling capital one today to have this removed and they refused to help me.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have atttached backup of my complaint. XXXX my escrow balance was {$660.00} Nationstar Service . Nationstar became Mr. Cooper. We paid full escrow {$160.00} for 8 months {$1900.00}. Mr. Cooper no longer transparent on escrow balance on statements. Mr. Cooper without my authorization paid home insurance bill twice with 2 different amounts. I called up and opted out of escrow. Then they in error just opted out of RE taxes so I called again and said all was opted out. Finally got full opt out but now they are not refunded the monies due us on the escrow balance they were holding.and refunded only {$190.00}. Contacted them again and the people that look at the account have no knowledge of the balance they are holding just the current year analysis and never look at beginning balance. They claim they sent a check of {$110.00} XX/XX/XXXX but we never received it and I asked what address it was sent to and he couldn't answer and just said that is all the balance left in escrow. I show they owed prior to the refund of {$190.00} they owed {$280.00}. You can never talk to anyone who knows anything about basic accounting. Did Nationstar not transfer all the monies to Mr Cooper? Who knows But they still owe us a total of {$280.00} as we never received the check they claim they sent {$110.00}. There is no way to look at the account and see what they are doing. Nationstar was always transparent with the escrow account. What do I do now? I wrote them a letter complaining but all they did was sent a letter acknowledging they receipt of my letter. There should be a full audit of this company
Consumer complaint received 2020-09-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Yes, this was me disputing your non-compliance. So, I am sending it again so they can publish it on the government websites. I also am including a copy of my driver license and utility. That I have mail to you 5X but you keep reporting it been updated. I have also included a copy from the FTC. What I sent to XXXX XXXX XXXX about identity thief.I have been dealing with this issue for sometime. With Experian, XXXX and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will kill you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX  to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items  must be removed that are listed below. ( I have attached the letter I sent to XXXX  requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX  didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX  deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is XXXX XXXX all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a homeless veteran.