davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX I was served papers saying I was being sued by Portfolio Recovery Services in the justice court XXXX XXXX XXXX county texas On XX/XX/XXXX I appeard in precint 4 court and meet with Judge XXXX, Porfolio Recovery Services representing attorney XXXX XXXX. We agreed to a one time lumpo sum payment to settle the case of {$2000.00}. The {$2000.00} was paid on XX/XX/XXXX and notification via email was sent to XXXX XXXX. Again, The {$2000.00} was to pay the case in full. 
On XX/XX/XXXX I reached out to the XXXX XXXX law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and asked why I havent seen an update in my credit report, they verivied they received payment in full and that I would have to contact Portfolio Recovery Services. I then reached out to Portfolio recovery services and they verified that they received the payment and that my credit report would be updated as they are still reporting that I owe them the remaining balance of {$710.00} I waited and watched for 6 months for my credit report to update with accurate information. I called Portfolio Recovery services on XX/XX/XXXX and they informed me that they needed more time to update the credit report with accurate information. I also have emails trail with attorney agreeing to settlement and notification that I paid the {$2000.00}. 

I believe they have had enough time to do their reporting correctly and accurately. The collection agency should report zero balance and settlement reached.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NJ)

The Servicer : PH Mortgage Corporation of XXXX  XXXX N.J. phone ( XXXX ) XXXX had the XXXX XXXX assigned to my property located at XXXX XXXX XXXX XXXX, N.J. XXXX on XX/XX/XXXX. There is no XXXX XXXX in XXXX N.J. and I need to know why an investor would be involved since my original XXXX purchase mortgage from XXXX XXXX XXXX XXXX ( HCSB ) The XXXX mortgage was current from XX/XX/XXXX to XX/XX/XXXX when it was allegedly refinanced and paid off by NJ Lenders who have no proof of payment to XXXX no release of lien, no satisfaction and no record of discharge.
Consumer complaint received 2019-03-23
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. (MO)

I have been enrolled in XXXX  full time since XX/XX/2016. XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX are both reporting that my student  loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in XXXX  full time. I have disputed the two XXXX XXXX XXXX accounts and the two XXXX XXXX XXXX XXXX accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment   from XXXX. 
I have contacted XXXX  and XXXX XXXX XXXX XXXX and both have told me that they will not change how the loans are reporting
Consumer complaint received 2018-05-04
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: Rocket Mortgage, LLC (MI)

Quicken Loans. 
I was online looking at refinance rates and I filled in my name on their website, once I got to the following page where they wanted information from me to run my credit score I closed the window and didnt complete it. This was over a year ago and they have been doing hard inquiries on my credit 2-3 times a month ever since. 
Ive called them to stop but they keep asking me for important information that I dont want to give them and they simply refuse to do anything. On top of that I am bombarded with their sales calls which Im not sure how they got my number. There are thousands of stories about this when I search for it and I cant get them to delete me from their system even though I have no business with them whatsoever. 
I have had the credit companies remove some of the inquiries but I cant keep up with them. 

Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX   XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry TransUnion XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX  XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Recoveries, Inc. (TX)

A woman by the name of XXXX XXXX has posted my mailing address as hers and may possibly consuming my personal mail. 

Most recent mailing to my address and " returned to sender '' is from the following address : National Recoveries, XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2020-07-28
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. (NJ)

On about XXXX, 2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.
Consumer complaint received 2018-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Navient received payment in full on XX/XX/XXXX. They did not apply until XX/XX/XXXX. They are now sending a generic letter about when check clears. Please it has been 10 days the checks have cleared and still they are refusing to release co-signer and admit the payments are in full. Still getting invoices even though with -0-. These loans should have been included in Chapter XXXX, they continued billing interests and false reporting, yet I paid them ( when probably I should not have per recent cases Bankruptcy and Private Student Loans ). They mishandled my Federal Loans and Private Student Loans. Modifying the interest to make it impossible for me to pay it  down continuously raising the interest at their whim.. So, I had to find a way to pay in full. Even then they are still refusing to admit these are paid in Full and send a Paid In Full pay off letter making up a story about check clearing. Please the loans are settled and should indicate as such. They should reflect on website, CRAs and stop invoicing me and co-signer.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (MA)

I received a email from Paypal concerning there was a XXXX purchase in my name with invoice and Paypal logo saying I was going to be charged XXXX $ and I sent the payment there was a help line number XXXX so I called and women pick up saying yes im going to be charged but they and there hacker 's that have access to my account and they can stop the payment and the hacker 's then she said download a app called XXXX and she ask for codes to send her and then she walk me three some steps threw the app then she asked if I have a online checking account to make sure it's secured I said so I went on it to check it then she said do you have XXXX XXXX  I said yes then she ask to check that I did then she sent me a text with a bunch of numbers she ask me copy paste that then on my XXXX XXXX  she said go to XXXX and put XXXX amount in to see if the hacker 's are there to its a reaction play to see if the hacker 's are going to take the amount I adding I said again are sure this isn't coming from me as cash she said then she kept saying no it not coming from you kept pushing saying there going to take my money I need to fo this pushing me and threatening my checking accounts my money going to be gone because of the hackers so I send it then she ask too go to from and to paste the text messages she ask she sent then I went on online account while she was on the phone I seen there was XXXX $ dollars pending I was angry I went back and forth about I just want my money why did lie and do this to me please give me back my money over and over she said ok calm down its not going go threw its just a set up to see if the hackers are going to try to take the fake pending money threw XXXX then I said I don't want to do this I don't need your help please stop the pending of my money she ok she can stop it and and ask me if I still have the app anydesk open I said no why she said download it again so she can get me my money back I said no please I just want my money back she ok and started threatening me my going to be gone if I don't stop yelling and she hung up I called back talked to different people they said it's going to return back in checking account in 30 minutes then I called back so once else said 24 hours I was very angry then went to my bank to explain the issue
Consumer complaint received 2020-07-28
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. (KY)

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE AND UNKNOWN INQUIRIES ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 AND 604 IM   DEMANDING THE REMOVAL OF THEM
Consumer complaint received 2020-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I am having a issue with the Branch Manager ( XXXX ) that sent my account to the Fraud Department and closed my account without any explanation. I was questioned about my XXXX XXXX Loan for that was approved and funding by the SBA. I was only able to access a small portion of my loan funds and then my account was froze for no reason. My account # XXXX. I feel they are being XXXX and biased. I have never been treating like a criminal like this ever before in my life. My loan was approved and the funds were sent to the account without any issues. So how is it Chase can steall my money that I have to pay back on this SBA Loan.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (NV)

I have tried to get I. Touch with someone to help me get this information off my credit report and out of fSYNOVUS BANK / FIRST DIGITAL CREDIT CARD database and nobody would assist me because I could not confirm the account information. I came back from my XXXX, as I am XXXX XXXX  and found this company as well as several others on my credit report at the time I went to refinance my home and they advised me I had recent adverse information and it didnt make any sense due to me not being here. Long and behold I have multiple fraudulent addresses as well as phone numbers and accounts opened in my name and some on my credit report and some not. I have never opened or authorized anyone to open a first premier account at all. And I would appreciate this company promptly resolve this and remove me off of their database and off of my credit report. They are the only company that has still not done so. And this is my last resort before I am forced to take legal action as this is my life and well being on the line. I fight for this country I do not need to come home and fight for my livelihood also because a fraud account was allowed to open in my name. Remove me from your system and off my credit report. XXXX.
Consumer complaint received 2022-07-22
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: JPMORGAN CHASE & CO. (FL)

On novemebr XXXX I purchased an item to be shipped by XXXX for {$470.00} using my chase credit card. I just found out the company went out of business today on XXXX XXXX and chase will not assist me with getting money back. Credit card companies have no liability in this country it appears
Consumer complaint received 2022-02-18
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. (PA)

Hi, my name is XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called 2 weeks later to follow up XXXX said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for XXXX said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called Experian and they just flat out lied and said that they don't see it on my file and they would investigate but it takes 90-120 days. I have now read all that I can regarding identify theft and I now realize that the BIG 3 bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all 3 Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (TX)

I am a victim of identity fraud and I will like to freeze my report and remove all inaccurate information from my report. 

My Correct name is : XXXX XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I was charged for a product that I bought through a XXXX ad that I never recieved. The company was shut down and their ads were removed due to fraud. USAA would not credit me the fraud charges back.
Consumer complaint received 2022-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My father passed away in XX/XX/XXXX and I purchased his home from the estate in XX/XX/XXXX. 

During the estate process, the bank, Fifth Third Bank, never sent a bill for the HELOC. Not once. For over two years. There was no bill to indicate this debt existed. 

Fifth Third Bank did not engage with the estate process. Had they engaged with the estate process, we would have known this debt existed. 

Fifth Third Bank also made a mistake on the mortgage document and the mortgage modification agreement. They listed the incorrect property on the front page but got the legal description right on the addendum. 

Before I purchased the property, I called the recorder 's office to see if there was a mortgage on the property. They said no, because they only looked at the front page. Had Fifth Third Bank gotten the correct property address on the front page of their mortgage agreement, we would have known the debt existed. 

So I purchased the property for cash and then the bank sued for foreclosure. I did not get title insurance on the property because my father owned it for over 50 years. 

The bank 's attorney says the three mistakes made by the bank are irrelevant because they got the legal description right on the addendum. They intend to take the property in foreclosure.
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I have paid this debt with XXXX when I had an account with them. I never received an initial contact letter with CCS Collections and when I called them I could not get a hold of anyone to talk to. I disputed the debt on my credit report, but they began credit reporting without my ever having an opportunity to ever dispute the debt or show them that I paid this debt with XXXX. They need to remove the tradeline from my credit report immediately. I can not get a hold of anyone at the company to even explain my situation. I have mailed a dispute letter, but I literally have no way to communicate with them. This is nefarious and completely deceptive. How do you even dispute a debt is invalid if you can't talk to a human being when you call the company?!?!
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On my last correspondence with XXXX XXXX for account XXXX, I clearly requested for the said account to be validated properly. I do not have any knowledge of this account and I am practicing my rights to request for a debt validation. More than 30 days had already passed and still I haven't heard from them and did not receive any proper validation for this account. I believe that this is a clear validation of FCRA and FDCPA.
Consumer complaint received 2018-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed (TX)

XXXX XXXX is listed on my XXXX Credit Report ( XXXX ) three times as an installment loan. It is also listed on XXXX ( XXXX ) as an installment loan three times. It is also listed on my XXXX credit report ( XXXX ) three times as a credit card. This creditor can not verify that the following debt is mine. I have never signed anything with the company. The Company has varying account numbers and varying account types on the report. The company can not validate this debt is mine and accurately posted to my credit. I am requesting XXXX XXXX remove all three credit listing to be removed from all three credit bureaus.
Consumer complaint received 2018-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (OH)

My wife it called to make a payment and inquired about why could not access the account online to make payments was told needed an email address did that still could not access the account online so my wife set up for them to do auto-pay on the account have not heard anything until XX/XX/2018 from a debt collector and on my credit report shows it as being closedand late
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I have contacted XXXX XXXX on numerous occasions for the debt they are claiming to be verified. Unfortunately I was not provided with no validation documents. I submitted certified letters each time I requested the debt validation to XXXX XXXX. I did receive a credit card statement but no actual copy of a document verifying the debt and it was longer than the 30 days time period. I have been sending debt validation letters since XX/XX/2017. They did contact me by phone in XX/XX/2017 threatening to take me to court and I requested for them to mail me all valid correspondence in the mail but they did not provide me with anything. This account is being reported negatively on my credit report but they are not upholding their duty by providing me with any documentation.