davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

THIS IS A NEW COMPLAINT BASED ON Portfolio Recovery Associates LETTER DATED   XXXX   XXXX   XXXX   ATTACHED.
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Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}. Portfolio Recovery Associates, LLC and the seller Creditor   XXXX   XXXX  , who failed to provide proof of debt, as to the electronic purchase from   XXXX   XXXX   to Portfolio Recovery Associates.
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Portfolio Recovery Associates, per the attached letter dated   XXXX   XXXX   XXXX   did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
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Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Portfolio Recovery Associates, did not prove it paid {$2300.00} to   XXXX   XXXX  , as they failed to provide proof of debt via copy of the electronic purchase from   XXXX   XXXX  . Their letter dated   XXXX   XXXX   XXXX   is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
Consumer complaint received 2022-09-07
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. (GA)

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX XXXXXXXX Account number : XXXX has violated my rights. 
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.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (AZ)

M & T Bank, reported me 30 days past due .I believe they have a duty as a lender to contact customer when theres a problem with payments .I was never contacted .They said they had no numbers to contact me, then they say we only had a work number? then they say didnt have consent to call only other numbers .All 3 of my numbers are clearly on crredit app ... .home, cell and work .I have had same numbers for over 18 years, no changes .Then they say only had consent to call work? What that would be last numbe ranyone would want them to call.I beleive they didnt call so they could pile up late charges .Bad PRACTICES!! I would like a record of when I gave consent to call work and gave no consent to call home or cell .If they cant provide that, I want negative rating removed from my credit. This what they say the reason was for never contacting me in almost 9 months there was a issue with my account .Makes no sense, remove negative rating.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma (MT)

XXXX XXXX automatically filled in my direct deposit information to my credit karma account ( they are a connected entity I believe ) though my credit karma account was deleted months ago. I tried to contact credit karma and they gave me the run around to close my support request only to contact me a day later to offer help which has gone no where. They have my tax refund and will not give it to me.
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (NE)

XXXX XXXX 2017 Amount : {$800.00} Received an offer via mail from Big Picture Loans for an {$800.00} loan. When I applied online, I immediately received a phone call from an agent representing Big Picture Loans. This agent had me on the phone before the loan application was complete, and persistently instructed me to hit complete for the loan while not disclosing the loan terms. This agent, nor the application process or acceptance process, failed to inform me that the APR was 664.6513 %, nor did the agent inform me of bi-weekly repayment for the loan. It was n't until after the loan was completed that I had access to the " Truth in Lending '' form from this company. Due to all of these factors, I feel I was falsely given information in selecting this loan.
Consumer complaint received 2022-01-07
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. (GA)

On XX/XX/XXXX I sent transunion certified mail ( tracking # XXXX ) they received the mail XX/XX/XXXX. The mail consisted of a notarized letter from myself that I am aware that I am being violated pursuant to 15 us code 1681b any reporting agency may only furnish a consumer report with written permission of the consumer and that I never gave them permission to report my information. I sent them a cease & desist notice demanding that they remove all collections, charge offs, negative remarks late payments and clear all my balances to PAID in FULL. I also sent an affidavit of truth and a demand that I am paid {$1000.00} for EACH violation. Transunion received my disputes XX/XX/XXXX and sent back the return receipt XX/XX/XXXX but has not responded to my demands, paid me for my violations, or made any corrections and or changes to my credit report which is a violation of my consumer rights.
Consumer complaint received 2017-06-05
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: EQUIFAX, INC. (GA)

On   X/X/2017 ,  Equifax received my certified request dated   XX/XX/2017 .  The request was to investigated several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15 U.S.C. 1681g, I   requested disclosure of documents recorded and retaine d in their file ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Equifax of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.
Consumer complaint received 2022-03-03
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. (MD)

I was looking at my consumer report before I apply for a new house and noticed inaccurate and fraudulent account on my consumer report. This is ruining my life, I am unable to apply for certain things due to the inaccurate information on my account. My identity was stolen, and it is pretty scary knowing that someone has misused my information without my knowledge or authorization. This is making my life XXXX.
Consumer complaint received 2017-10-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SUNTRUST BANKS, INC. (MN)

I applied for a loan on XXXX with XXXX, a division of SunTrust bank. They rejected my application and said they would disclose the reason within XXXX hours. I never rec 'd this letter. I filed a complaint with the CFPB shortly thereafter. SunTrust-XXXX XXXX proceeded to respond with a letter dated XXXX stating the reasons for XXXX 's rejection. My XXXX score on XXXX was XXXX, verified by XXXX. XXXX reported it as XXXX, a fraudulent score based on this back dated letter based on the complaint they rec 'd. They also indicated in the letter that I had delinquent accounts, of which I have XXXX currently. XXXX XXXX and XXXX responded to my complaint as a TOTAL and COMPLETE lie! Again, I rec 'd no such letter or email from XXXX indicating the reason for their rejection. I rec 'd numerous acceptances of the same loan from the same credit bureau- XXXX of which the score was XXXX, NOT XXXX as XXXX XXXX about.
Consumer complaint received 2015-08-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I have tried unsuccessfully to do a home mortgage modification with Green Tree Servicing. I have submitted all the documentation multiple times and confirmed that the documentation was successfully submitted only to have the company come back and say that they closed the loan application because of lack of documentation. In the last instance, they contacted me and I requested my representative to contact me as she already confirmed that she received everything. In XXXX weeks and XXXX messages later, I still have not gotten a callback and I found out that she closed the file again. This seems systematic or just general incompetence.
Consumer complaint received 2015-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (MI)

EVERY DAY we are receiving a telephone call from the United Collection Bureau ( telephone number ( XXXX ) XXXX ) which is a computer generated call and contains a pre-recorded statement to hang up if the call is being made in mistake. We do not want to receive this call, can not stop it, and do NOT owe anyone any money and should not be subjected to this telephone harassment!
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (CA)

I was contacted by XXXX XXXX XXXX, as a reference for someone else. The person gave me an address of where he lived when he was XXXX XXXX XXXX. I did n't know him then. I felt like I was being badgered by XXXX different people over a debit that is not mine. XXXX phone number is XXXX
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (IL)

Regions bank reported to the credit bureaus that I was 30 days late for a payment of  XXXX  that was due on  XXXX   XXXX . They reported this on  XXXX   XXXX  How is   XXXX   XXXX  considered 30 days late! I was going to make a payment on   XXXX   XXXX   specifically to avoid the delinquent reporting.
Consumer complaint received 2015-08-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NM)

Fifth Third Bank completed only one of 5 requests for transfer of funds with bogus reason. Charges fees for each transfer & commits the petty fraud of not providing the service, being a not-yet-ready for the Big Leagues of XXXX, where major fraud can be committed with impunity -- -5th Third, still only a junior partner in ruling the corporate criminal state. 
" This is to notify you that the external transfer request referenced below has been canceled due to service is currently not available for the selected accounts. ''
Consumer complaint received 2024-02-16
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. (GA)

XXXX - During the XXXX and XXXX XXXX XXXX merger, my contact info was lost on my loan account, resulting in negative credit marks. 

On two occasions, XX/XX/XXXX and XX/XX/XXXX, payment issues caused payments not to be processed. XXXX only contacted me after the payment was 30 days past due and typically after receiving a notification from credit monitoring that my account was past delinquent. 

In the most recent occurrence, the mortgage rep confirmed again after my account was updated in XX/XX/XXXX, my account did not have phone or email information on my mortgage account, preventing late payment alerts on or around the XXXX. It's not till after the payment goes 30+ days that the issue is handed over to a different department that XXXX finds my phone number. I have a total of 12 XXXX accounts, I have banked and have had a Mortgage with XXXX for 20+ years, and have never had these issues until the merger. 

I currently have four mortgage accounts and two HELOCs with various banks, and I have no issues with processing payments or receiving phone calls. Yet, XXXX keeps losing my account contact information.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (TX)

I had terminated a phone contract with  XXXX  at the end of   XX/XX/XXXX   or beginning it  XX/XX/XXXX . The account showed as derogatory in my credit. However, I recently checked my credit and I believe the account was purchased by convergent and my account was re-aged to  XX/XX/XXXX . I never agreed to the re-aging.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?
Consumer complaint received 2022-03-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (VA)

Auto payment went through late, to avoid late fees, use website through Hyundai Motor Finance to pay again for XXXX. One Month later it is not reflected on finance statement for XX/XX/XXXX or XX/XX/XXXX. Now I am passed due by 19 days with no resolve, and currently out of {$380.00}, even though it was processed. 

XX/XX/XXXX Contacted Hyundai Finance, work with customer service, no resolve XX/XX/XXXX, Hyundai collections called stating I am pass due called customer service right after call from collections explain situation no resolve, wait 3-5 business days XX/XX/XXXX, called back no resolve, file a Complaint with XXXX. 
XX/XX/XXXX, called customer service again, still no resolve, told it was escalated XX/XX/XXXX called back no resolve again XX/XX/XXXX I was contacted by XXXX XXXX at XXXX, ( XXXX XXXX ) I was told to email my bank statements and also told that there was a glitch on their system with payments, I explain that I was not notified, and was told Money applied to billing was refunded which I didnt received. I explained that I would like my money to be applied to my loan and also would like any interest incurred by the mistake from their system to be fixed and also to fix any negative credit damage from their faulty system. 

XX/XX/XXXX Contracted by XXXX XXXX from XXXX XXXX told not to not accept resolution on XXXX and that she was going to close the matter, told her I dont understand how you can close it due to the problem not being fixed. 

XX/XX/XXXX Still no resolve, passed due again for the month of XXXX now.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

1.TrustedID with Equifax send alerts and you can not get any information from them and have to call the regular number. For the third time after being on hold over 25 minutes someone answered and before I could say three words hung up. I do not have unlimited time to continue to be on hold forever and never get the situation resolved. 
2. The TrustedID person gave me a phone number to make sure my report was frozen and I called it only to find it is a non-working number. 
3. PLEASE do not let them send a pat response like that have previously with out even looking into the problem. I WANT A RETURN PHONE CALL FROM A RESPONSIBLE PERSON AT EQUIFAX!!! It is the very least they can do at this point.
Consumer complaint received 2017-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NY)

After a year of help from a non profit organization I was filially giving a modification on my montage, after all three trial mod payments were made in a timely fashion the bank denied the modification. There reason was lack of paper work despite serval communications that we had wi th the mortgage specialist. I am putting in a complaint because I feel I did everything they asked of me and was  still denied
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have requested that Experian provides me with the method of verification used to investigate my dispute per FCR  A 611 ( a ) ( 6 ) ( B ) ( iii ). They refuse. I have documentation to support this blatant disregard of the FCRA by Experian I dont believe Experian actually investigated my dispute and that 's why they refuse to provide me with the method of verification.
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This is a repeating problem that I have when disputing with Experian. I had some ID theft on my credit and when I have disputed in the past, they give me the same exact response refusing to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii )
Consumer complaint received 2017-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

XXXX   XXXX ,  2017  -  XXXX   XXXX  - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt.  <P/>  XXXX   XXXX ,    2017  -  XXXX   XXXX  - Person came to door asking for me and if I lived there. Friend told him to leave.  <P/>  XXXX   XXXX ,  2017  -  XXXX   XXXX  - Person came to door, striking it forcefully and loud ly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my saf ety ). My friend, who was likewise concerned, asked this person to identify himself.   Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My  friend (   XXXX   XXXX   XXXX   XXXX   ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him  " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.
Consumer complaint received 2016-04-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (IL)

I entered into a long term repayment agreement with Avant on XXXX/XXXX/XXXX and I made regular payments according to the schedule. 

Avant scheduled a payment for XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX ( the actual date I made the payment ) and then deactivated the payment plan. 

I tried since XXXX/XXXX/XXXX to get them to reinstate the payment plan but instead on XXXX/XXXX/XXXX they offered me a settlement for {$2500.00}. I accepted the settlement so that I could be through with Avant but they then reported that I missed a payment for XXXX XXXX and XXXX XXXX when that was not the case. They are also reporting that the account was charged off when it was settled.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (VA)

CREDIT CONTROL LLC has failed to validate debt on XX/XX/2022 I sent CREDIT CONTROLL a debt validation letter and in response they sent billing statements which is not sufficient evidence of indebtedness. I will send a 2ND and FINAL request for proper debt validation which is to include but not limited to a written itemization of the finance charge, the OFFICIAL initial contract bearing consumers signature, a written itemization of the amount financed and the amount owed; also I demand an audit trail for the account/debt in question
Consumer complaint received 2017-06-05
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)

I placed a call to  XXXX  and experia n In rega rds to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to  XXXX  and experian they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX   2017  ).