davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am a consumer, a natural person. My rights have been repeatedly violated by Portfolio Recovery XXXX, XXXX. I have been HARRASED REPEATEDLY by THEM especially after filing a CFPB complaint. I do not owe the alleged debt! I have sent them repeated letters and was even summons to court on XX/XX/XXXX which I attended. I told them that I do not owe the alleged debt to Lawyer XXXX XXXX who WAS Not cooperative at all and I was given another date to appear in court for XX/XX/XXXX. On XX/XX/XXXX I received a letter from their XXXX Department stating that I did NOT APPEAR in court which is not TRUE which is a violation of U.S Code 1692e ( 10 ) this is a deceptive means to collect the alleged debt and a violation of 15 U.S. Code 1692e ( 5 ) they can not threaten me telling me I am in default when I was in court on XX/XX/XXXX! I am attaching both documents. THIS IS HARASSMENT according to 15 U.S. Code 1692d! 
This company has caused me nothing BUT Stress and has made me ILL. I have an XX/XX/XXXXXXXX and as a result of this abuse and unfair practices, I have had to get on medication after years of not being on any. 
Further, more I am alleging that the attorneys at Portfolio Recovery all private lawyers pursuant to 28 USC 3002 1 ( B ), I do not believe they are even authorized in accordance with section 3718 of Title 31 to conduct litigation for the collection of debts on behalf of the United States. If they are, I need them PROVE IT! 
I had to create a separate report because there is no option to add information for an existing case.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

on XX/XX/XXXX I submitted a 30 day notice to vacate XXXX XXXX Apartments. I was on a month to month lease because the other tenant had left the unit leaving me to pay the rent alone. I advised the landlord XXXX XXXX that i would continue to pay the rent as agreed until I find a cheaper place to live In which she agreed and placed me on a month to month lease originally i was paying XXXX and a month to month went up to XXXX. I paid this amount from XX/XX/XXXX until my last payment on XX/XX/XXXX and submitted my notice to vacate XXXX XXXX proceeds to send me an eviction notice email on XX/XX/XXXX when i was no longer in the unit because my vacate notice i advised that i was moving out the first week of XXXX XXXX My deposit was kept and i return the keys to the unit the eviction notice was not valid because i took all the proper steps as stated on my month to month lease and i gave notice of vacate
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

On XX/XX/XXXX I applied for a loan with Cardinal Financial Company and I had delivered all of the supporting documents they required within 2 days and any additional documents they requested within hours of their requests. After 4 months of several extensions to a lock rate, on XX/XX/XXXX, I received a request to sign a final extension that notified me that the lock status has expired. I left messages for the transaction coordinator to call me to discuss the XXXX extension and I have yet to receive a call back. Little over a week later on XX/XX/XXXX, I received a notice my loan has been denied. Since that letter I have called and left messages and sent emails requesting an explanation, because I believe my loan was denied due to their failure to extend the lock rate any further. I have sufficient cash to request a smaller loan, I have very high credit, and significant income and I believe rather than deny my loan, Cardinal could have discussed alternatives had they called me. Recently I spoke with another salesperson at Cardinal who deals with borrowers with weak financials, etc to look into why I was denied and to discuss alternatives. He later informed me that he doesn't understand why he couldn't get any information on my loan and when he elevated it to upper management he was reprimanded for inquiring. He mentioned that the response was strange. Since Cardinal 's failure to return my calls and to discuss alternatives, interest rates have increased over 1 point more then my original lock rate. Had Cardinal responded within a couple of weeks I would have had the opportunity to find another lender and not be facing higher loan costs.
Consumer complaint received 2022-01-29
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. (GA)

Due to the the pandemic, i wasnt able to work because i contracted COVID. Called my creditor and advised them of the situation. Creditor adivesed me that i was going to be place on a deferral from XXXX to XXXX when i viewed my online banking and credit report i seen that i was past due in XXXX, but the rep told me my payment wasnt due until XX/XX/2021 advised creditor, failed to investigate the matter and this gave affect my refit score
Consumer complaint received 2022-01-29
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. (GA)

Due to the the pandemic, i wasnt able to work because i contracted XXXX. Called my creditor and advised them of the situation. Creditor adivesed me that i was going to be place on a deferral from XXXX to XXXX when i viewed my online banking and credit report i seen that i was past due in XXXX, but the rep told me my payment wasnt due until XX/XX/2021 advised creditor, failed to investigate the matter and this gave affect my refit score
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

Enhanced Recovery Company put a collection on my credit report preventing me from getting access to credit.

Enhanced Recovery Company placed a collection of {$170.00} with no payment history on my credit report XX/XX/2019. 

Enhanced Recovery Company ( XXXX ) XXXX
Consumer complaint received 2022-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (LA)

I been trying to use my us bank reliacard for unemployment i been trying to set up and load for 2 days. We are totally broke and will be till fri which is 6 days away I tried sending transfer over phone, atm app deposit, filing for benefits
Consumer complaint received 2022-08-18
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. (MD)

Equifax, XXXX XXXX, XXXX, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

I recently obtained my EXPERIAN CREDIT report and noticed that they are reporting inaccurate Information in the personal Information section. To protect me from possible fraud and to diminish speculation, below is my accurate Personal Information : NAME : THIS IS MY LEGAL NAME : XXXX XXXX XXXX. 
EXPERIAN needs to delete any other references to Names, as they are not mine and I have never used any of them. 
ADDRESS : EXPERIAN has to make sure that my Address is listed correctly. My address should read : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Hawaii XXXX EXPERIAN needs to remove any other Address and Name Information they are currently reporting, as they are not accurate and could lead to possible Indentity theft and/or fraud.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MD)

Commenity Bank opened up three credit cards dating back to XXXX, XXXX. I never applied for this card, not did I ever receive it. Another account was open in XX/XX/XXXX. I did apply for that card. The third card was open in XX/XX/XXXX and I did not request that card. I already had a XXXX XXXX card, but was having trouble using it. So they went ahead and opened up a new account I didn't authorize. Currently, I have two active cards, but the one from XXXX was done without my knowledge. Commenting Bank also opened up another card, without my knowledge for the store XXXX. They are using internal data to open up cards without my knowledge.
Consumer complaint received 2022-01-29
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. (SC)

I recently filed a dispute with Experian in XX/XX/XXXX asking them to remove inaccurate information on my credit report.The 2 accounts that I asked to be removed were reporting inaccurate dates, amounts and account numbers on Experian and XXXX. The dispute results from Experian came back verified as if no real investigation was even done and obviously no investigation was done because the account ( XXXX ) came back as accurate but displayed Charged off from XXXX XXXX XXXX, 2 on time Payments after XX/XX/XXXX ( XXXX XXXX ) then back to CO status until XX/XX/XXXX. Experian did not do any investigating
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC (NJ)

APEX ASSET MANAGEMENT : XXXX OREGON XXXX XXXX XXXX, XXXX, PA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1300.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (AZ)

I opened a PayPal account about 3 years ago with my email XXXX. when I attempted to use this account recently and since I didn't have the same phone number I was having issues. I created another PayPal account and I contacted PayPal and let them know. Now I have roughly {$900.00} dollars in my account and they limited my account. I submitted all the documents requested and they told me 72hours or less I would revieve access. I waited the 72hours and now they are telling me another 72hours. I Sold these products on ebay because I need the money. My family is struggling due to covid and I being out of work and I can not afford for them to continue to tell me to wait.
Consumer complaint received 2022-10-08
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX, XXXX - # XXXXXXXX XXXX  XXXX XXXX, XXXX - # XXXX XXXX. XXXX XXXX, XXXX - # XXXX XXXX XXXX - # XXXX XXXX - # XXXXXXXX XXXX  - # XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently received a copy of my XXXX consumer report and I noticed a third party collection agency on my consumer report. this company is in clear violation of the law. Pursuant 15 U.S. Code 1692c.
Consumer complaint received 2022-01-29
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. (FL)

Once again and after multiple attemptscI find this agency incapable of maintaining accurate adctibely information. After applying for a loan the bank received a credit file alert requiring they contact me. In effect they were locked out without my prior approval. Interestingly my account gets hits DAILY by unauthorized banks, lenders, and others without any so called protection or lockout which drives my credit score and everyone 's down. Shamefully and documented, this alert, which I never authorized, was removed and reported months ago, multiple times through the CFPB AND direct contact HERE WE ARE AGAIN months later. It is a confirmation of the CFPB INEPTNESS AND THE CREDIT AGENCIES AND SYSTEM. FRANKLY, AND BY EXPERIENCE AND VIA HUNDREDS OF UNRESOLVED COMPLAINTS. MY ONLY BELIEF is this entire system a giant scam perpetrated on the American people to keep them subjugated financially. TO BOOT I EXPECT mind you a letter advising me they have no notice, to remove what I never placed and until they get such it will remain on. Pathetic is too kind axword to describe them
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

I purchased US Bank prepaid Mastercards # XXXX, XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XXXX XXXX and discovered that money has already been stolen from these cards in XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Consumer complaint received 2022-10-08
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. (PA)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One : As of today is claiming that I owe them, The account stated that its a charge off which mean the creditors already received a tax break to this account so there shouldnt be a past due amount reporting to my credit file. Not only that the inaccuracy reporting to my credit file is hurting my credit file the reporting inaccurate balance, open and reported dates, This ground for removal. The account was a secured credit account which mean money was given to capital one to secure the opening account which was {$200.00}. They states I owe them but how if that possible when I never took money from capital one. Plus I was never notified attempt to collect debt they just flag my account. This account was close due to misleading charges and fees with this bank service. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

In XXXX XXXX my mortgage company was sold to Mr. Cooper. Before it was, I had an agreement with my company that as long as I was making the payment every month, they would not penalize me for an owed amount from the past. I filed bankruptcy two years ago and wanted to keep my house. I owed {$8000.00} and they agreed to keep it to the end of the loan. When Mr. Cooper took over the loan, they put it on the front of the loan and considered me more than a year overdue. When I asked them for a modification, XX/XX/XXXX, they told me I did not need to give them any information. About a month later, they denied me say they could not adjust the interest or principle. The funny thing is they never asked me for anything, but sent me a letter saying they got the " borrower response package '' I sent them. Next I tried to refinance, but no other company will refinance me because Mr. Cooper says I am a year behind. I tried to refinance with Mr. Cooper. I called and emailed at the beginning of XXXX. I received information that someone would be contacting me soon. I never heard from anyone even though I tried again to contact someone. Last week, I received a letter from a legal company saying I owe the full overdue amount and the full mortgage amount. Basically, this appears to be a foreclosure letter. My husband called Mr. Cooper today, they told him they would have someone call me about refinancing, " again '', and that most likely they won't because now we are over {$8000.00} behind. It almost feels like all of this was planned from the beginning. Like they have wanted to take my house from the start. They are crooked and a bunch of fraudulent people. Nothing they have promoted to me has happened and nothing they promised has happened. I was told the phone number I had was my loan specialists, but it is just a main operator phone number. My so called loan specialists never answers the phone. I was also promised that they would do everything they could to help, they have done nothing but said no from the start. I am going to lose my house, have no place to live or for my grandchildren to live, and it is all because of one crooked mortgage company.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

Hello, My name is XXXX XXXX XXXX.It ALL STARTED BETWEEN XXXX AND XXXX ON THIS COMPANY XXXX XXXX TRYING TO COLLECT A PAYMENT OF OF CABLE BILL I NEVER APPLYIED FOR OR EVER HAD RESIDENCE AT THE HOME WHERE THE CABLE WAS TO BE SET-UP. HOW THEY GOT MY INFORMATIOIN IS BECAUSE I DISPUTED MYSELF ON THEIR WEBSITE AND FILLED OUT A IDENTITY THEFT APPLICATION WITH THEM THAT SOMEONE AT THAT RESISDENCE FRAUDULANTLY USED MY NAME. I XXXX XXXX XXXX CALLED THEM NOT OR USED ANY CREDIT CARD NUMBERS TO GET THEIR SERVICE OR THEIR PREPAY BY CREDIT CARD PROGRAM THEY HAVE THAT WILL AUTOMATIC TAKE MONEY OUT OF MY CREDIT CARD. I TOLD THEM I NEVER LIVED AT THAT HOUSE OR ORDERED NOTHING FROM THEM I HAD MY OWN PLACE OF THEY WITH CABLE. I TOLD THEM THE ORIGINAL PERSON WHICH USED THEIR CELL PHONE AND CREDIT CARD MADE THE PURCHASE OF THAT CABLE FOR HIS USE NOT MINE. THE CREDIT BUREA AND THE COMPANY ITSELF INVESTIGATED AND NEXT THING I KNOW XXXX XXXX  WAS DELETED FROM MY CREDIT REPORT NUMEROUS TIMES OF SOMEONE BEING PERSISTANT ON MAKING ME PAY FOR SOMETHING I NEVER CALLED FOR NOR USED. AND I HAVE NOT SEEN THEM ON MY REPORT SINCE.NOW ITS 'S XXXX AND I RECEIVED NOT A BILL FROM THE ORIGINAL COMPANY I SO CALLED OWE AND THEY OR WHOMEVER OF THIS COMPANY AGAIN HAS WITHOUT WARNING OR ANY NOTICES PLACED ME TO THE CREDIT COLLECTIONS CALLED CONVERGENT AND THIS IS THE SAME COMPANY THAT WAS DELETED AND THE REST WHOMEVER KEEP PLACING TO THE CREDIT COLLECTIONS. I AM TIRED OF THIS AND I AM TIRED OF THIS SCAM AND THIEVERY OF GETTING MONEY OUT OF ME OF SOMETHING THAT DONT BELONG TO ME. NOW, THEY TRYING TO COLLECT XXXX FROM ME AS A DISCOUNT FROM A XXXX CABLE BILL THAT I SAID IS NOT MINE .PERIOD.PLEASE HANDLE THIS FOR ME. AND INVESTIGATE WHY I AM BEING HARRESSED SO OF SOMETHING IS NOT MINE BY THIS COMPANY OR COLLECTION AGENCY FOR WHICH I ALSO SPOKE TOO LONG AGO.IT 'S BEEN A ALMOST 2 YEARS OR 1 1/2 YEAR THEY HAVE NOT BOTHERED ME AND BEEN DELETED FROM MY CREDIT REPORT UPON NUMEROUS INVESTIGATIONS AND HERE I GO AGAIN WITH THESE PEOPLE. I AM ANGRY AND VERY TIRED OF THIS XXXX, NOW.HELP.SINCERLY XXXX XXXX XXXX.
Consumer complaint received 2022-12-05
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. (TX)

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 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 The above account were created without my knowledge