davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I had account with XXXX and I called them before I move but they billed me after I moved then I called them they said they will fix it but they didn't .they have conversation record you can ask. But finally falsely they reported to Equifax XXXX. But Equifax also updated that
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PR)

HI, PAYPAL. 

WOULD YOU PLEASE ENABLE THE OPTION FOR WITHDRAW MY FUNDS BECOUSE I WAS WAITING FOR ALONG TIME. 

OR IF I CAN GET MY ACCOUNT BACK I WILL APRECIATE YOUR HELP. 

MY FIRST COMPLAINT WAS XXXX you said my money are going be avaliable XX/XX/XXXX MY ACCOUNT IS XXXX XXXX
Consumer complaint received 2016-11-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a car in XXXX and got a loan fm Capital One. 5 months later ( XXXX ) I receive a letter indicating Capital One will share my personal information ( soc sec #, income, account balances ) with their affiliates. If i choose not to share, I need to contact them to opt out, which I just did. When I spoke to the rep and asked whether my social security information had already been sold to third parties since my loan started 5 minths ago, he indicated yes that information has been sold. My question is " is n't it illegal to sell people 's social security numbers ''? It increases fraud, and I do n't think companies should profit off of selling other 's confidential information without their consent. 

The rep said now that I contacted Capital One, they will stop selling my information for marketing purposes, but it 's too late. They aold my information to a third party, and now that third party will likely sell to another party. Capital One is in ore than the loan business. They are using it to take other 's confidential data and profit off it. Meanwhile, I have the concern of identity theft. I think there should be laws to punish companies that share people 's confidential data without consent. I would like to know where the CFPB stands on this issue and what are my options at this point? My info has already been shared with many I 'm sure. Had they sent me the letter in XXXX, when I got the loan, I would have opted out. They waited 5 months and after they have already sold my information to send me this letter. Shady, very shady company.
Consumer complaint received 2015-12-31
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates reported a XXXX XXXX Account which they bought from XXXX XXXX to the credit bureau as not settled. I am making monthly payments to PRA since XXXX 2015 after acknowledging to them that this was indeed my account. I checked my XXXX credit report and saw a collections by PRA showing as not settled. Why would you report this to a credit bureau when I was not late on my payments. In fact you get it right away because my bank sends this electronically to you. As of today, XXXX XXXX, 2015 the full amount of {$34.00} has been electronically sent to PRA by my bank and this is the final and last payment per our agreement. I want PRA to remove that record in my credit report as not settled for {$35.00} which is not only the correct amount but false information. You made it appear that I was not making payments to you for this account. and I am asking you to remove this in my credit reports.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

The company started calling me about the debt back in XXXX XXXX XXXX. I asked them to mail a bill to me so I could pay it as opposed to paying over the phone. They claimed they did, but I never received it. I asked them to update my address because they had the wrong one. They said they would mail another one to the updated address. I still didn't receive a letter. Next time they called, I verified the address I wanted them to send it to. Turns out they had sent the letter to the original address again, not the updated one. So I reverified the address that I actually needed the bill sent to. I finally received it in XXXXXXXX XXXX XXXX  By this point, I've accumulated more interest debt. I believe their lack of follow through to send a letter to the correct address on time is the reason my debt is more than it should be. I will happily pay the ORIGINAL amount owed, but the collection company failing to update my address even when I specifically called to update it is responsible for the delay and interest accumulated.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Portfolio Recovery Associates, LLC ; here is the list of their unlawful collection practices. 

1. They claim ownership of debts that other collection agencies also claimed to own. 
2. When asked to verify ownership of said debt, they provided to me fake/false documents to establish ownership of said debts. 
3. They have called me repeatedly after I have sent them certified mail requesting all communication be through mail only. 
4. They " re-age '' claimed debts on my credit report. 

Dates of activities : XX/XX/2015 - current day. 

Actions by Portfolio Recovery Associates - hundreds of phone calls from XXXX to present day, falsified records, dates, and reporting on credit report. 

Actions by myself - variety of certified letter mailings to Portfolio Recovery Associates requesting VALID PROOF OF OWNERSHIP AND TITLE OF DEBT, disputes to credit reporting agencies, and many hours of research. 

Summary : junk debt buyers can not simply claim to own a debt without proper LEGAL proof. They also can not " investigate themselves '' when a question of validity comes in to play. This company has violated the FDCPA in multiple ways. 

*** Proof is not a letter the junk debt buyer creates themselves**
Consumer complaint received 2017-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I purchased a truck and then returned it to the dealer. The dealer then paid off the loan with Capitol one and the check was deposited by Capitol on on XX/XX/2017. Capitol one is still showing an outstanding loan for us and indicating that we have a payment due XX/XX/2017. I have talked to XXXX different people at Capitol one and they do say they have received the check but it is in a different department and they do not know why it has not been sent to the loan department. I do not understand why it is taking so long for them to post this check to this account and show it closed. Our credit is now being put in jeopardy. Please Help.
Consumer complaint received 2019-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

I've never had a problem receiving statements and have always paid my mortgage on time since XX/XX/XXXX when I purchased my house. My mortgage was sold to " My Loan Care. '' I have not been receiving statements despite my numerous calls into the company saying that I'm not receiving statements. And since the payment was behind I couldn't log on to access my account. 

On XX/XX/XXXX the company sent someone out to my house to tape a notice on my door that stating that someone had " inspected '' my house and that they deemed my house was abandoned and vacant. No one inspected my house. I have surveillance cameras that cover every side of my house. My lawn is perfectly kept, my landscaping is professionally done. I reviewed the footage on my cameras and a guy pulled up, never rang my door bell and just taped a notice on my door, got back in his car and drove off. There was another letter stating that they had a " confirmed person of interest '' in my property. I called the mortgage company immediately. They stated that my house was going to go into foreclosure the next day. My mortgage had just turned two months past due. I immediately paid the balance in full and then later learned that information was false. During that call I explained that I'm not receiving statements. I confirmed my email address, my cell phone number and every other piece of contact information. They had all of the correct information. 

On XX/XX/XXXX I called the mortgage company again because I had yet to receive a statement or any communication from them. They assured me that my statements would be emailed to me and again, I confirmed my email. I never received any statements from them. 

On XX/XX/XXXX I went to bed around XXXX XXXX I had let my dog outside before going to bed and there were no notices taped to my door. I got up at XXXX XXXX the next morning to let my dog out and there was a notice taped to my door. I reviewed the footage and the mortgage company had someone tape the statement to my door at XXXX XXXX It was the same statement that someone had " inspected '' my house and that they deemed my house was abandoned and vacant. Again, no one inspected the exterior of my house. 

On XX/XX/XXXX I came home from traveling and the same two statements were taped to my door. When I called the mortgage company they said they are mailing me the statements. I told the lady that yet again, I reviewed the footage and I felt this was harassment. No one is inspecting my property. I have the footage. I really just want someone to mail me my statements. Any time there has been a pass due, I immediately pay the entire balance in full. I WANT to pay my mortgage, I'm simply asking for a statement, a phone call ... something. During this phone call I learned that I'm being charged {$80.00} every time my property is " inspected. '' The company offered no resolution.
Consumer complaint received 2019-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (GA)

I applied for a loan modification which was temporarily approved for 3 mos. The payments were being submitted as agreed. I attempted to make the 3rd and final payment but it was declined. Caliber Home Loans stated that they discovered a title lien on my property. I advised  them that it was not me. My temporary modification was revoked. I did my part and reached out to the lawyer offices and XXXX XXXX XXXX XXXX XXXX. All companies involved agreed and stated that it wasn't me. However, Caliber Home Loans didn't take the time to investigate or contact anyone. They wanted me to produce a letter from a law firm stating the above. The law office in turn stated that for legality purposes they couldn't produce a letter since I wasn't a client and the mortgage company is well aware of this fact. The law office stated that all Caliber needed to do was call them to verify that I was not the person listed in the judgement. I resubmitted several loan modifications and an appeal which was denied. I was only given the option for a short sale or deed in lieu foreclosure. At this point, my home is about to foreclose simply bc of an error and someone failed to do their job. I'm currently working with a law firm who has verified that the lien isn't mine and helping me with some options.
Consumer complaint received 2016-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I get repeated automated calls from a collection agency for someone else, and they wo n't stop. The phone they are calling on is a business line provided by my employer, and it 's possible the person they 're looking for is a previous employee. However, they wo n't quit.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I asked transunion and XXXX to be compliant with federal tax code, to which they havent with regards to my complaint.Under article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. 
When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force transunion and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking trabsunion and XXXX do the same.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MO)

I have previously filed a report to you about this company. The company told me that they would get back to me with information regarding this debt. They never did. The complaint filed with you was closed. I assumed the matter was closed as I do not owe this debt. 

On XX/XX/2019 I received an email from XXXX XXXX of Caine & Weiner asking me to pay this in full and threatening to report this on  my credit. 

I have replied once again that I do not owe this debt. 

I feel like this company just wants to keep sending these emails with the hopes that I will eventually just pay them. They have offered no proof that I owe this debt.
Consumer complaint received 2019-04-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have sent multiple letters to Experian disputing validation for an account they are reporting on my credit report. Experian has not provided me with any proof of validation, but instead just sent me a letter stating they have completed their investigation and no change was made as to the reporting status. I sent more letters stating that they are violation of FCRA Section 611 and that proof a validation and proof from the investigation is to be provided to me if asked or requested. Experian still sent me the same letter as before stating that they have completed their investigation and no change in status and that they have validated the information to be correct. Again I asked for proof of validation and Experian failed to provide me with any proof. I waited approximately 30-45 days between each letter. I gave Experian ample enough time to complete a thorough investigation and Experian has not been able to provide me with an documentation from any of their investigations. I then decided to call Experian and spoke to XXXX in the dispute department, who would not give me any other identification, who stated that Experian does not have to provide any proof of validation or any documentation from any of the investigations they have done from my disputes. XXXX stated that Experian does not have to tell how they validated any of the information and all they are required to send to the party disputing is only the results of the investigation with no documentation supporting their outcome. According to FCRA 611 ( 6 ) ( B ) ( 3 ) ... '' If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information to the telephone number of such furnisher, if reasonably available ''. I have given Experian a reasonable amount of time to provide me this information and they have failed to do so. I strongly believe that Experian is using the XXXX  XXXX to validate my dispute. I want my dispute to be upheld and expect Experian to delete the entity from my credit report as no proof of validation has been acquired. The entity itself has not even been able to provide me with validation, therefore how can Experian have validated something that the entity itself can not even validate. Experian is not providing valid and effective investigations into my dispute.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MA)

Chase Slate credit card services, I have been a member of this credit card for at least 15 years, I NEVER MISSED OR MADE A LATE PAYMENT ON ANY OF MY CREDIT CARDS, HOME MORTGAGE OR ANY OTHER BILL IN MY NAME. THEY NEVER PUT THE INTEREST RATE ON THE FRONT PAGE, KNOWING MOST PEOPLE ARE SO BUSY IN TODAY 'S DAY AND AGE TO LOOK ON THE SECOND PAGE, AS I DISCOVERED LAST YEAR I WAS BEING CHARGED THE OUTRAGEOUS INTEREST RATE OF 28 % AND I HAD A CREDIT SCORE OF XXXX. I CALLED CUSTOMER SERVICE AS TO ASK WHY ( WITH ALMOST A PERFECT CREDIT SCORE ) WHY I WAS BEING PENALIZED WITH SUCH OUTRAGEOUS INTEREST RATE WHEN I HAVE EXCELLENT CREDIT????? OF COURSE THEY HAVE ME SOME LAME EXCUSE TO TRY TO JUSTIFY THEIR TOTALLY UNETHICAL PRACTICES!!!! I CHALLENGE ALL PEOPLE IN THE ENTIRE USA TO BOYCOTT ALL CHASE CREDIT CARDS AND SERVICES!!!! WAKE UP AMERICA AND BE HEARD!!!!!
Consumer complaint received 2023-05-09
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. (FL)

The company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-05-09
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-09
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. (CA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.