davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I DISPUTED ACCOUNT ON MY EQUAFAX CREDIT REPORT AND RECENTLY THE ACCOUNT WAS DELETED OFF OF MY CREDIT REPORT. GRANITE STATE MANAGEMENT WAS A CLOSE STUDENT LOAN ON MY CREDIT REPORT AND IT WAS A PAY AS AGREE ACCOUNT ON MY CREDIT FILE. THE REASON WHY I DISPUTED THIS CLOSE ACCOUNT IS IT WAS REPORTING A WRONG DATE FOR DATE OF LAST ACTIVITY ON THIS ACCOUNT. IT WAS REPORTING XXXX XX/XX/XXXX DATE ON THIS FILE. I MADE MY LAST PAYMENT ON THIS ACCOUNT IN XX/XX/XXXX WHEN IT WAS TRANSFER TO ANOTHER OFFICE. THE DATE OF LAST ACTIVITY NEEDED TO BE UPDATED TO SHOW THAT THE LAST ACTIVITY DONE ON THIS ACCONT WAS IN XX/XX/XXXX NOT XXXX. THIS ACCOUNT WAS CURRENT TILL IT WAS CLOSE BUT ACCORDING TO MY CREDIT REPORT IT SHOWS LAST ACTIVITY WAS XX/XX/XXXX. SO I CALLED GRANITE STATE AND THEY SENT ME A PAYMENT HISTORY OUT ON THE ACCOUNT AND I SENT THEM A FAX OF THE ISSUE WITH THE ACCOUNT. A WEEK LATER THE ACCOUNT WAS DELETE OFF OF MY FILE BUT GRANITE STATE SAID THEY SENT UPDATE TO EQUAFAX TO GET THIS ACCOUNT UPDATED / EQUAFAX SAYS GRANITE STATE REQUESTED TO HAVE THE ACCOUNT REMOVED. GRANITE STATE SAYS THEY DIDNT ASK TO REMOVED THE ACCOUNT,. THEY ASK ABOUT DOING A CONFERENCE CALL WITH EQUAFAX AND EQUFAX SAYS THEY DONT DO CONFERENCE CALLS. THIS ACCOUNT NEEDED TO BE UPDATED AND I ASK IF EQUFAX SENT ANY INFORMATION REGARDING THIS ACCOUNT TO THEM AND THEY SAY THEY HAVENT RECEIVE ANY DOCUMENT. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE. THIS ACCOUNT IS A CLOSE INSTALLMENT LOAN CLOSE IN XX/XX/XXXX AND IT NO DUE TO COME OFF TILL XX/XX/XXXX. I HAVE DOCUMENTS TO SUPPORT MY CLAIM. ON A EARLIER CREDIT REPORT IT SHOWS THE CURRENT DATES ON THIS ACCOUNT BUT A COUPLE OF FILE SHOWS DIFFERENT DATES. I WOULD LIKE EQUUIFAX TO SHOW GRANITE STATE MANAGEMNENT THESE DOCUMENTS. I WOULD LIKE BOTH OF THEM WORKING TO GETHER IN GETTING THIS RESOLVED
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

TRANSACTION DENIED : Throw the baby out with the bath water. On XXXX i drove XXXX miles from my rural home to do a much needed quarterly provisioning. I made multiple substantial successful transactions on my Capitalone card. At my XXXX major stop my purchase was declined. To the clerk 's dismay, i had to abandon a bevy of groceries. I then called Capitalone from the store to inquire. They claimed fraudulent activity. ( By days end and XXXX further calls to Capitalone, i ascertained no fraudulent activity. ) Once back home XXXX hours later i found an email sent at the time of this transaction from Capitalone asking me to verify this declined transaction. This i attempted once home XXXX hours later, but their security vendor, XXXX 's, link looped endlessly. This loop thwarted my verification of a valid- albeit declined - purchase. Calpitalone 's reps asked me to verify my identity by answering a cell fone call. I stated repeatedly that i had no cell phone and no alternate land line for a verification call. When they emailed me what was ostensibly a link to upload my driver 's license, their security vendor, XXXX 's, link looped endlessly. Another thwart. They claimed no problems on their end, when i asked. Their so-called verification was thwarted again. Finally i was given a FAX number and a post office box with which to send copies of my driver 's license. XXXX to 10 days without access to my credit card is unacceptable. OPINION : Shutting down my account in the name of fraud - where there is none- is excessively zealous. I support rigorous security measures that actually thwart crime. I had been given no advance warning that traveling XXXX miles to the nearest shopping center would set off their alarms. Especially since i'd been doing it for decades .... as an audit of my accounts would have revealed. All of the purchases i made were well within the range of years of earlier, non fraudulent transactions to the same stores. Was something stated in the too fine to read print? If i'm to be penalized for not having a cell phone, or making repeat visits to the same vendors, then at least give me due warning. I'm happy to phone ahead whenever i leave this remote area to make a provisioning run.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXX bank was the original creditor. XXXX XXXXXXXX bank charged my account off XX/XX/XXXX. LVNv bought the account in XX/XX/XXXX. I filed a dispute with all 3 credit bureaus in XXXX of XXXX. In response XXXX  XXXX bank was removed from all 3 credit reports. XXXXXXXX XXXX XXXX received full balance owed to them of XXXX XX/XX/XXXX. At my request the account was suppose to close. I was told once my payment processed it would close. XX/XX/XXXX I tried to log in XXXX XXXX XXXX website and couldnt. I assumed the account was fully closed. XX/XX/XXXX I checked my credit report and seen I had an outstanding balance with XXXX XXXX XXXX. I called them. Me and the representative went over the charges. I disputed 5 charges ranging from {$60.00} to XXXX dollars. XXXX  XXXXXXXX XXXX told me that it would take 60 days to investigate. I called them XX/XX/XXXX to get an update. The representative told me that no dispute was filed. He assured me he would file the dispute for me on XXXX XXXX and was told it could take up to 60 days. I called them XXXX XXXX and was told that the account was closed with XXXX balance, only to find out they sold the account with positive balance to LVNV without investigating my disputes. Now LVNV believes I owe them {$1700.00}. Ive requested statements from LVNV and they refuse to send them. They claim they only have the last months statement. Which only shows the current balance.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NY)

during travel to XXXX we purchased train tickets for a portion of the travel. the train was significantly delayed and took 2x the promised amount of time. The merchant 's website outlines that trains are equipped with air conditioners and other amenities which our train was not. After the delay was announced we were not allowed to get off the train to look for alternative transportation methods and were held on the train without air conditioning for over 8 hours. we attempted to leave the train multiple times and were denied. I filed a complain with the merchant that the service was not delivered as promised through Chase. however, the company sided with the merchant for reasons that merchant refused to provide credit. Considering i was denied option to leave the train and/or cancel my service AND merchant has outlines quality of service that it provides, i believe my rights as a consumer were impeded. Additionally, it took Chase since XXXX to respond to this issue which seems very extensive.
Consumer complaint received 2015-10-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (CA)

Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor Target/XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

This is in addition to my initial investigation with Toyota Motor Credit that is still in process.. THIS IS A SECOND COMPLIANT.. MY FIRST COMPLAINT IS STILL IN PROGRESS..On XX/XX/2016 my account was reported 30 day late to the credit bureau. I contacted Toyota and spoke to a number of representatives in the call center and a manager who indicated my payment was made via the automated phone system prior to XX/XX/XXXX date of the following month. However, due to XXXX holiday and the company being closed, the payment was posted after the 30 day mark. I disputed this information indicating not only was my payment made within the correct time period but it was not 30 day late and there had to be a system error. I escalated this issue and was advised that the internal system indicates when the date posted ( not made ) and therefore the reporting was correct. I have never been marked as 30 day late and certain the payment was n't late. I was also advised by representatives in the phone center and also a manger who indicated the date the payment is made is the date that is used when reporting a payment. I continued to dispute the information with the Toyota and they continued to advised they had no error. Since that time my information has been reported to the credit bureau incorrectly and XXXX major credit bureaus ( XXXX and XXXX displayed the information differently ). Hence, there is a error within Toyota 's system. That occurence has been and should be documented on my account as that issue is has not been fully resolved. I 'm requesting the 30 day late reporting be removed, and someone take the time to due the leg work to investigate the issue. Just because your system is reflectingsomething is not a indicator that there is no error. To simply go into a person 's account and see what is reported is not looking into the issue. Check to see when the payment was actually made, when it was reported, why was it reported late, how was it made..etc ... Again, the issues with credit reporting continues to validate there is a error with Toyota 's internal system. The 30 day marker needs to be removed. My account number is XXXX.
Consumer complaint received 2022-02-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXXXXXX XXXX XXXX  that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus 6 times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXXXXXX XXXX  in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.
Consumer complaint received 2015-05-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

( Below is the last correspondence I sent to the company ) This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response dated XXXX failed to provide me with validation and instead asked that I provide you with information. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ 1,000If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within XXXX weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency. 

If you fail to remove the account, I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The California Attorney General 's Office. Thank you and I look forward to resolving this most expeditiously.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (NC)

In XX/XX/2021, I was had found a car online for a company name XXXXXXXX XXXX XXXX. This company has sent me all the information for the vehicle, as well as videos of such, the title and their business information. They had a dealer license and everything seemed legitimate. The East West Bank was the bank they provided me with for the money transfer to pay for the vehicle and its delivery. This bank account was a business account. To be able to open a business account you have to have all your business paperwork. So I assumed this was a legitimate business. I sent XXXX dollars to this account and I was scammed. The dealership was a fraud and the bank refuses to provide more information. This bank gave them a platform to steal from me. The police cant seem to do anything. I have lost XXXX and no one is responsible. I do not understand how a bank can be a route for such actions and open business accounts to fake businesses.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2020 I sent a certified letter to Portfolio Recovery Association Account No. XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX XXXX is continuing to sell debts to its companies XXXX of which is NCA ( National Credit Adjusters ) so as to make it appear that they are following a decision recently not to collect any more debts or sell them to other debt XXXX. XXXX XXXX has different departments. XXXX and XXXX for NCA so they will not be caught again collecting debts in their name which XXXX XXXX but actually this is their company too.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance  on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to  the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

My new mortgage company, Penny Mac, misplaced many of my mortgage monthly payments. The payments were placed onto my mortgage escrow account instead. It took countless effort from my part to finally have Penny Mac acknowledge their mistakes. Penny Mac fixed the mistakes made to my account, however, they reported me late to the credit bureaus and have not taken action to correct this matter with the bureaus.
Consumer complaint received 2020-10-16
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. (GA)

On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account No. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (UT)

I am confused. I had to pay my XXXX payment twice to you guys and now you want me to pay XXXX in three days. What is going on? I need someone to call him. 

Also XXXX XXXX dispute, he has not paid me. I want to continue with the dispute .I also not the leasing contract as proof.