davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: North State Acceptance, LLC (NC)

I fell behind on my car payment which in my paper work states my payments are due on the 14th. I lost my original job because of Covid and I have being playing catch up on bills because Covid is limiting jobs. My creditor repossessed my vehicle after 30 days and are abusing my credit. They show up to my job and curse at me because of being behind for only 30 days. Which is my first time in the tenure of having the vehicle. I can barely keep my phone on let alone eat on a daily basis by kicking out this kind of money and still get repossessed
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$760.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX Balance Owed : $ {$780.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : $ {$780.00}
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ZARVAD III S.A. (SC)

On or about XX/XX/2018, I found myself in financial distress. I foolishly logged into the XXXX XXXX website and requested an online payday loan. I was matched with www.mypaydayloan.com. I completed the application for a {$300.00} loan, then changed my mind and contacted this company to revoke the application. They deposited the funds despite this request. I left it alone figuring a company linked to XXXX XXXX would be reputable. On XX/XX/XXXX, my first payment was deducted automatically from my checking account in the amount of {$90.00}. I logged on www.mypaydayloan.com to check my documents and found I could not access anything. Because that triggered my instincts, I revoked the ACH authorization. This " company '' then began threatening me. I emailed this company on XX/XX/XXXX, XX/XX/XXXX asking for a mailing address and requesting that the threats cease. This " company '' continued to refuse to provide a mailing address and demanded my debit card number. I requested a mailing address AGAIN on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX , the " company '' again refuses to provide an address. I requested again onXX/XX/XXXX. They again refused. I requested again. On XX/XX/XXXX they disclosed that they are in XXXX XXXX. On XX/XX/XXXX, they threatened to sue me for {$25000.00} if I did not remove complaints I filed against them. I again asked for an address. I need help. I have attached all email correspondences.
Consumer complaint received 2019-01-03
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. (MI)

My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1100.00}. 
XXXX XXXX/XXXX XXXX XX/XX/XXXX Balance : unknown XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

PennyMac continues to knowingly engage in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower requesting a loan modification. 

PennyMac received within 37 days prior to the scheduled foreclosure sale of XX/XX/XXXX, a completed application with supporting documents. 

Penny acknowledged receipt and never provide any missing documents letter to date.

PennyMac is claiming that they stopped the foreclosures sale of XX/XX/XXXX, to review the mortgage assistance application. This is totally false. PennyMac played no role or part in stopping the sale of XX/XX/XXXX. 

I confirmed, the Sheriffs office received " NOTHING '' in writing from PennyMac or its legal representative to stop the foreclosures sale of XX/XX/XXXX. The Sheriffs office has no written records of PennyMac making any efforts to stop the foreclosure sale of of XX/XX/XXXX. 

I personally had to go to the Sheriffs Office on XX/XX/XXXX, in order to make the request to adjourn the foreclosure sale and have attached proof of my efforts. 

The attached letter from the Sheriff 's Office confirms, I stopped the sale of XX/XX/XXXX and not PennyMac or it's legal representatives Therefore, PennyMac is still engaging in the prohibited practice of dual tracking and never properly reviewed my mortgage assistance application, which was sent to them on two separate occasions and prior to the 37 days prior to the scheduled foreclosure sale of XX/XX/XXXX, and new foreclosure sale date of XX/XX/XXXX.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My account was closed after I deposited a check into my account. The check cleared after 7 day bank processing time. However I had no access to my account once I realized chase had closed it without even a notice. I now cant access my funds!!
Consumer complaint received 2019-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

Paid my first trial payment on XX/XX/XXXX as payments are due the first of every month beginning XX/XX/XXXX until XX/XX/XXXX. Discovered that XXXX did not post payment until 2days later, also my mortgage was sold to XXXX from XXXX and I disputed my balance amount due to unethical handling by XXXX and XXXX XXXX disregarded me. My mortgage balance should not exceed XXXX. I would like my mortgage to be affordable and I want XXXX XXXX   to be fair
Consumer complaint received 2018-08-24
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX. I made an online purchase @ XXXX XXXX website for additional checked bags for the amount of {$300.00}. 1st checked bag {$0.00} + 2nd checked bag {$100.00} + 3rd checked bag {$200.00}. according to airline policy. 

at the counter ( airport ) we had only a total of 2 bags to check in, one free and the 2nd for {$100.00}, we were informed by the employee that there will be a refund of {$200.00}, to contact the credit card company AMEX to issue the refund. 

on XX/XX/XXXX opened dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX : answer : A letter or email detailing the resolution of your inquiry was sent to you on XX/XX/XXXX on XX/XX/XXXX reopened the same dispute XXXX and realized that the credit card company still does not understand what happened, they thought the charges were for extra weight. 
was informed that they would request records of the total checked bags or excess weights. since the airline companies refund customer service cant be reached by phone, only through there website, and the website did not allow the claim to be filed. 
XXXX XXXX  had only sent two Unclear and Unreadable pages that did not clarify a thing but was considered solid proof for AMEX to cancel my dispute three times. 

please note that after the 3rd attempt and speaking to a manager by the name XXXX (XX/XX/XXXX )  dispute XXXX were we requested additional information, AMEX took it on its own within 12 hours to close the dispute for the 3rd time. 

all that was done by XXXX XXXX is to be unreachable and send two unreadable pages. 
AMEX Gold Card Holder with {$190.00} membership fee X 2. 

all documnetation are available upon your request.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX SS # : XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by XXXX XXXX XXXX I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Status inconsistant across Credit Bureau 3. Most Recent Adverse Rating inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6. Payment History inconsistant across Credit Bureau.

Based on these violations, I request that you remove this account from my credit report. I have already contacted XXXX XXXX XXXX and requested that they remove the account, they refused to do so. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly, XXXX XXXX
Consumer complaint received 2019-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

IN REGARDS TO : PORTFOLIO RECOVERY ASSOCIATES ; XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX The account your company is reporting to the credit bureau is troubling that is not mines. 
I've sent numerous letters to the furnisher disputing the account listed below, but they have verified the account as accurate with the credit bureau XXXX. 
CAN THEY actually DO THIS? VERIFY AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 
PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 
I AND MY ATTORNEY AWAIT YOUR RESPONSE. 
Im also requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was charged - off.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

In XX/XX/XXXX, I opened a Chase Ink account for my XXXX XXXX, XXXX XXXX. I wanted to compound the points we had earned on our Chase Sapphire card with the XXXX points I would earn after spending the required amount on the Ink card. 

We received the card. We spent the requisite amount. We received the XXXX points. We then stopped using the Ink card and resumed using the Sapphire card. 

In mid-XXXX XXXX, we logged in to Chase Ultimate Rewards and discovered that the Ink card was no longer on our account. The Sapphire card was there. The Chase Freedom card, which we also never use, was there. But the Ink card was gone, and with it, the XXXX points we had earned. 

In mid-XXXX  XXXX I called Chase Customer Service twice. They informed me that the account was closed in XX/XX/XXXX due to inactivity, and that in XXXX, we were sent a letter that the account was closed and that we had 30 days to use or lose our XXXX points. We did not receive that letter. After speaking to a supervisor, I requested that any correspondence documenting Chases intention to close our account be re-sent to our address. We still have not received anything. Chase certainly has our mailing address, as weve been receiving and paying our Chase bills for many years. 

On XX/XX/XXXX, on the advice of the Chase Customer Service representative I spoke to, I wrote to the Chase Executive Office to request that Chase return the XXXX points we earned to our Chase account. There was no reason to close the account ; we were not delinquent on any payments, and we did not even have the opportunity to pay the yearly fee. We still have never received any letter or other communication indicating that our accountand the points with itwas vulnerable to being closed. 

In that letter, we asked XXXX to respond within a week of receiving the letter or we would report this complaint to the CFPB, which we are now doing.
Consumer complaint received 2018-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Modern Adjustment Bureau (CA)

Why is XXXX XXXX a debt collector employed by Modern Adjustment Bureau , INC, a California Corporation # XXXX, trying to collect 1 ) a debt paid to Dr. XXXX , the owner of the debt, in full about 5 years ago and 2 ) why is XXXX XXXX maliciously and illegally attempting to collect a debt in violation of California Civil Code of Civil Procedure, Section 337. California has a 4 year statute of limitation and the debt was incurred on XX/XX/XXXX and paid in XX/XX/XXXX. 

Also, in violation of FDCPA, violating sections 105, refusal to cease contact with me after I asked Ms. XXXX that for as long as she lives on this planet, I DO NOT want to contact with her via mail, fax, telephone, calls at work, on my cell numbers? Ms. XXXX, identified to me as an employee of Dr. XXXX, to whom the debt was owned and paid in full. She mislead me and falsified the fact.
Consumer complaint received 2021-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a 609 validation letter to TransUnion on XX/XX/2021 I also submitted a validation letter to Transunion and XXXX on XX/XX/2021 I haven't had a response within the 30 days required for an investigation I've also sent non-response letters to all 3 bureaus I've also included documents which I sent the three bureaus thank you
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NJ)

I have been trying to remove this {$620.00} debt XXXX original creditor, from my credit reports for the last 3 years as this debt does not belong to me, when continued letters of correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, and now with Source Receivables XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Management requesting documents to establish validity such as signed contracts, signatures, what services or equipment was obtained, tangible evidence neither XXXX or Source Receivable Management the present collection agency have not sent me acknowledgement of the requested documentation, nevertheless while in dispute status this still is reported to all the credit agencies, and the original creditor sold the debt to the above collection agency, and has continued to report a balance owed. Thats double the damage and is not permitted, Under the Fair Debt Collection Practices Act, debt collectors must send the consumer a written notice of the debt within 5 days of initial contact with you which never happened.
Consumer complaint received 2019-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery Systems sent me a letter dated XX/XX/XXXX which I just received today XX/XX/XXXX. This is not a refusal to pay a debt, but a request for validation of the said account. Which I have asked for repeatedly over and over again. As per my conversation with one of your representatives ( that i recorded ), I requested that she send me ALL the information about this account so that I can dispute it, I have no knowledge of this account. You have not complied. She warned me that if this debt was verified using my name and Social Security which you already have, that you would still considered this to be my bill. I am sending an official request in writing for ALL records of this account, so that I may do my own investigation. Send me ALL documentation you have, other then when the account was opened and when you received this account from XXXX XXXX XXXX, and by ALL information I am asking for payment records as well as detailed billing of the account. Your letter is somewhat confusing to me, Did you purchase this account, Was it assigned to you to collect, or was it transferred to you? I would also like that documentation as well. Also I would like proof that you are licensed to collect a debt in the state of NY. At this time I would also request that any correspondence to me be done by mail only.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I went to kohls. I spent XXXX dollars. The lady working asked me if I wanted to open a credit card. She said I would save 35 % on my total purchase. I told her for 35 % on XXXX bucks. It is worth it. So I agreed. She then ran my information and after I was approved she scanned her coupon for opening the account. I saw XXXX dollars taken off my total. I said to her, 35 % of XXXX is not XXXX bucks and she said I dont know what happened. She asked another cashier and the other cashier said most the items I was purchasing does not qualify for the 35 %. Well, the lady who opened my account said. Sorry I didn't know about the exclusions because I'm only seasonal help. I did not have my credit ran to save XXXX dollars. I was livid about it and especially not being disclosed all the information about opening the card. I asked to speak to a manager and they said there is nothing they can do. I also called corporate and they said there is nothing they can do about me getting the 35 % percent off as promised. I should not be liable for the whole amount charged to the card. I have been scammed for opening a credit card and they are acting like it is no big deal.
Consumer complaint received 2019-01-03
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. (AL)

After requesting and receiving the Credit report that I wanted, I discovered that I could not Log-Out of the webpage ( see attached screenshot ). After calling the credit reporting company 's listed phone number, the representative told me that I should just close the computer window. When I told her of my security concerns with only shutting down the browser window, the representative proceeded to describe that I ( as the consumer ) was the one responsible for clearing out my Personal Password from my browser. This is not acceptable!! 

Therefore, I contacted the CFPB with this particular complaint.
Consumer complaint received 2023-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

XX/XX/2023 city of XXXX XXXX approved me for {$20000.00} mortgage assistance. They said in order to get the funds my mortgage company Cardinal Financial would have to complete a vendor form, w9 and direct deposit form. I made contact with Cardinal 30 times thus far about forms being completed and as of today the forms are not completed and i feel like Cardinal Financial is refusing payment on the account while money and funds are being exhausted with the city of XXXX XXXX and if they dont recieve infomation i will loose the money
Consumer complaint received 2020-09-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX open dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX   OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and a written letter stating I was a victim of Identity theft.