davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates , LLC has sent numerous mailings to me for an alleged credit card debt ( s ). Portfolio Recovery provided the following XXXX ( XXXX ) account numbers for these alleged debts : XXXX and XXXX Portfolio Recovery has admitted that the Statute of Limitations for these alleged debts has long-since expired. Portfolio Recovery has admitted it can not sue me for these alleged debts. Portfolio Recovery has admitted that the 7 year Federal Reporting period to credit reporting agencies has expired. 

Notwithstanding, Portfolio Recovery has repeatedly reported the XXXX alleged credit card debts to all XXXX major credit reporting agencies. 

Portfolio Recovery has no legal standing and no legal remedy to be contacting me for any reason. Portfolio Recovery has admitted against its own interest that the Statute of Limitations for the collection of this alleged debts has expired. 

Any and all communications to me from Portfolio Recovery amount to nothing more than the knowing, willful, intentional and repeated, illegal " harassment '' of me.
Consumer complaint received 2022-02-16
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. (TX)

About XX/XX/XXXX, I enrolled in TransUnion consumer online access account. 

I found errors in my information, and when I try to submit a request to correct the information, or to request a credit freeze, the website returns an error, and prompts me to call TransUnion at XXXX or their XXXX XXXX at XXXX. 

I called several times over the first week of XX/XX/XXXX. I was told that my profile had an " error XXXX '' associated, which would require manual processing. Each time that I called, a representative scheduled a " call back '' for me, which never happened. I was finally able to request transfer to their " XXXX XXXX XXXX Department, '' and the representative told me that I could expect a call back within XXXX days of XX/XX/XXXX. That also never happened. 

I called yet again the last week of XX/XX/XXXX, again insisting to be transferred to the " US Special Handling Department. '' That time, the representative told me that the " error XXXX '' will be resolved from my profile over the next week, so check my online access again after a week. That, of course, did not work. 

XX/XX/XXXX. I just called again, and a TransUnion representative told me that my account still has " error XXXX '' associated, and that there are no records on my account of any of my previous calls, any of the promised callbacks, and any resolution to this problem. The case given to me is # XXXX. 

I am XXXX consumer against the giant TransUnion credit reporting agency. I have no other resource or recourse. Please help me with this. 


Thank You
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I processed a wire using HSBC online banking, on XXXX XXXX, 2016, in the amount of XXXX. The beneficiary of this wire was XXXX XXXX. The payment was for a flight to XXXX that was taking place on XXXX XXXX. The funds were deducted from my account, but on XXXX XXXX, XXXX informed me that they had not yet received the wire transfer. I called HSBC immediately and learned that the wire was being held due to them needing more information. I was told that I would need to reach out to my account manager, XXXX XXXX, who is based at the XXXX XXXX XXXX XXXX branch. Since this payment was urgent and I was unable to reach XXXX XXXX, I had the wire processed from another account at a different bank. This payment went through immediately. When was finally able to reach XXXX XXXX, I requested that he have the funds returned to me, as I had already made the payment from another bank. He told me that he would let the wire department know not to process the wire and to refund my account. He informed me that it could take up 3 days to receive the funds. 

After 3 days, my account had still not been credited. I reached out to XXXX XXXX, who in turn sent me an email with the branch manager, XXXX XXXX, asking me several personal questions about a flight that had already taken place. I did not understand why they would need to ask questions about a wire that I was no longer sending. I explained that I only want my money back, but after several emails back and forth, with XXXX purposely avoiding my questions, I answered the questions presented, since XXXX insisted that this would be the only way for me to get my money back. That was on XXXX XXXX. It is now XXXX XXXX, and my account has still not been credited. 

XXXX emailed me today, stating that my funds will be " blocked and reported to XXXX. '' How is it that a bank can do this? I do not want the wire to be processed, I have already taken the flight and returned. I only want my funds put back into my account. This is theft and a bank should not be able to get away with this.
Consumer complaint received 2022-02-16
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I have applied for a credit card three times in the past nine months. After the first application I discovered inaccurate information reported by XXXX. 
The 2nd application resulted in inaccurate information reported by Experian. 
I requested a copy of my credit report from Experian and was informed that there was insufficient credit history to provide a report. 
But when I applied a third time I was then again denied because of " outstanding debts, '' The lending institution, XXXX XXXX XXXX provided XXXX account numbers associated with its report alleging bad credit. 
Both of these accounts are with XXXX XXXX Bank with which I have NO association. 
However, XXXX XXXX is listed as an authorized user. I have never applied for, nor received ANY credit from XXXX XXXX Bank AND as a matter of fact have been denied a credit card three times now. 
I have submitted fraud alerts with both XXXX and Experian. For some reason the online system with all XXXX agencies would not allow me to proceed. I also too have submitted a request to XXXX. 
With each correspondence with any and or all of these agencies I have submitted copies to the CFPB. 
I would appreciate any assistance that can be provided in clearing my good name and credit status.I strongly suspect that I have become a victim of identity theft and am working closely with all credit reporting agencies, the Consumer Financial Protection Bureau, XXXX XXXX, and the Social Security Administration to clear my good name and credit report.
Consumer complaint received 2015-12-23
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (TX)

The Williams and Fudge is trying to collect a debt from the school XXXX XXXX of XXXX. I do not owe that money because the XXXX XXXX schools are being shut down due to multiple accounts of predatory lending and usage of high - pressure tactics to increase enrollment. Over half of these schools are already closed.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

XX/XX/XXXX i contacted my mortgage company XXXX ( PHH/Ocwen ) XXXX to remove my escrow account from my loan. They sent me the form requesting the removal i completed it & faxed it to them XX/XX/XXXX they stated it would take 10 business days to complete request.. Upon speaking to multiple reps & a supervisor ( XXXX # XXXX in the Escalation Dept ) I was informed they declined the request because my property taxes are due in 30 days.. My property taxes are usually due XXXX & XXXX of every year.. not only is XXXX more than 60 days out but I CALLED the XXXX XXXX TREASURERS OFFICE ( XXXX ) XXXX gave my pin number and the rep stated ALL XXXX XXXX TAX BILLS ARE DELAYED AND WONT BE GOING OUT UNTIL APPROXIMATELY XX/XX/XXXX after not getting anythg resolved with supervisor i emailed their Ombudsman Dept ( XXXX ) with complaint about the issue.. i need them to remove my escrow MY BILL IS NOT DUE WITHIN 30 DAYS, I AM WAY LESS THAN 80 % XXXX on home.. i want my escrow funds including any cushion amount being held to be refunded to me.
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

On  XXXX   XXXX ,   XXXX  ,  Portfolio Recovery Associates,   LLC made a settlement offer to settle a debt. The original creditor was   XXXX   XXXX   XXXX   XXXX   and the credit card debt balance was {$5200.00}.  Portfolio Recovery Associates, LLC , the debt collection agency on behalf of   XXXX   XXXX   made an offer in writing and mailed it to me offering a savings plan that I could mak e 1 P ayment of {$4200.00} and SAVE {$1000.00}. Your account will be considered Settled in Full after your final payment is successfully posted. Your first payment must be received NO LATER than :  XXXX / XXXX /  XXXX   I mailed a check to  Portfolio Recovery Associates, LLC  for the amount of {$4200.00} along with the settlement offer and my agreement to their settlement terms. My settlement terms were that the debt for the account would be considered settled in full like they offered and there would be no future collection of the debt.     I mailed the check and agreement to their settlement terms by USPS priority and it was delivered to an individual on  XXXX   XXXX ,   XXXX  . That same day  Portfolio Recovery Associates, LLC  cashed the check. In  XXXX ,   XXXX   I observed on my credit report that there was a collection balance for the amount of {$1000.00} and the collecting agency was  Portfolio Recovery Associates, LLC . I disputed this telling my credit reporting agencies that this debt was settled and paid.  Portfolio Recovery Associates, LLC  also disputed that I owed this debt while fraudulently withholding information from the credit reporting agencies that they had offered to settle my debt. Instead, they shared credit card statements from   XXXX   XXXX    stating this debt was mine. I do not disagree this credit card debt was mine. However,  Portfolio Recovery Associates, LLC  made a settlement offer and is not closing collection accounts as settled in full on my credit report when I agreed to their terms and made a payment in the full amount requested in the time frame requested. They are illegally reporting false information on my credit report to all three credit bureaus,  XXXX ,  XXXX , and  XXXX .     I have attached copies of their written settlement offer to me, a copy of the check I sent to them, a copy of my agreement to their settlement offer, a copy of the USPS Priority shipping label, a copy of the delivery notice, a copy from my bank showing they cashed the check, a copy of their dispute, and a copy of original credit card statement.
Consumer complaint received 2023-04-16
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ...... has violated my rights 15 U.S.C 1681 sec 602 A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

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 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc (MT)

XXXX sent a bill that was the size of a post card, mistakenly was thrown away. Received call about debt, immediately paid XXXX once outstanding debt was realized ( paid XX/XX/2016 ). Have since rudely and aggressively been bothered by National Service Bureau to pay this debt which has already been paid. Have contacted XXXX 3 times and they have claimed to resolved this on their end, however, phone calls do n't cease and National Service Bereau keeps calling and forcefully telling me I need to pay something I 've already paid. I 've advised them to refer to XXXX, but they keep calling!
Consumer complaint received 2022-02-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (TX)

In XXXX of XXXX when we bought our home our mortgage with escrow was {$1300.00}. In XXXX of XXXX we got a check for {$3700.00} because they charged to much in the last year for taxes. Starting in XXXX of XXXX our new mortgage was changed to {$990.00}. Now this month we got a notice saying they did not take enough through the past year and we now owe a surplus of {$5600.00}. That amount is to be taken out over the next XXXX months because of their XXXX in not taking out enough every month for our escrow that is their job to keep up on that. Now our mortgage for the next year has almost doubled going up to {$1800.00}. When I call Veterans United Home Loans to see what happened or if anything can be done the only thing I was told is that they submitted a form for our taxes to be assessed again and if those number come back right then we are just screwed and have to deal with it and pay that mortgage for the whole year. That makes it very tight for our family for the next year because this company did not do their job and XXXX us and doubled our mortgage.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Financial has called  several times attempting to collect a time-barred debt that has since expired past the  Statute  of Limitations. The debt indicated was from  XXXX   XXXX  for the amount of {$2500.00}.     They have indicated falsely to me that it 's not a time-barred debt, and have also falsely indicated a wrong statue of limitations.     I was called several months ago and told them this, and told them not to call me anymore and they repeatedly have and have implied they can sue me for this.     This evening I was just called by a "  XXXX   XXXX  '' whose supervisor he said was "  XXXX   XXXX  '' and repeated these claims.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

The homeowner has been trying to get a loan modification since XXXX/XXXX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XXXX/XXXX/XXXX WaMu was acquired by J.P Morgan Chase Bank , N.A . I have applied 3 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XXXX/XXXX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XXXX XXXX, XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. 

On XXXX XXXX, XXXX a decision was granted to homeowner for Recission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XXXX/XXXX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to XXXX account # XXXX : the homeowner is not aware whos account this is? 

A new Statement of Foreclosure was sent to homeowner of XXXX/XXXX/XXXX. 

The homeowner has ordered a XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX, XXXX also show strong known robo signer participation in XXXX documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : JP Morgan Chase Bank NA, This CFPB complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION.
Consumer complaint received 2016-09-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial (WA)

I got a loan through spotloan and paid them almost triple what I owned. I called and said how come my bill goes up every month even though I made payments to no answer was given. I told them I 'm done paying cause it 's not right to charge false fees and then found out it was illegal for them to operate in washington state and they still tried to collect and even sold my loan off. No after paying almost XXXX grand they want another XXXX for a XXXX dollar loan. This is extortion and flat of theft. I want them to leave me alone and realize the state of Washington does not recognize them as a legit buisness and per RCW law it is illegal to collect. I was honest and paid back what was owed but it was never enough for them. I 'm done trying to be bullied and harrased into paying more
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MI)

I purchased a credit report from Experian for {$5.00} and got it with no problems. However for XXXX months afterward I was charged {$19.00} for credit monitoring which I never asked for. Called the company and requested a full refund and they would only credit me with XXXX months charges. Moral of the story is read the fine print on these forms because even the credit agencies will cheat you if they can get away with it. Case # is XXXX
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (OH)

I ca n't get ahold of experian I never agreed to a monthly credit monitoring and they have charged me XXXX for 6 months and I want my money back. I was misled by them. I thought my credit report was free. I was able to log in and cancel my membership. I do n't get a paper statement from my bank so I never checked it. I am so mad!!! 

Thank you XXXX Ohio
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have repeatedly disputed my XXXX 's XXXX account reporting information with Experian. They continue to state that it remains because the company validated it as correct as a Chargeoff. However I have received multiple communications from XXXX  disputing this stating that they are reporting it correctly as a BK Chapter XXXX Discharged item with 0 lates, etc. If XXXX IS reporting it correctly to Experian, why does Experian continue to not update my report correctly? Everytime XXXX 's 'fixes it ', a month later it 'defers ' back to the WRONG status which costs me points on my credit score for the wrong information as well as the ability to obtain credit from other lenders who see this hit to my report.
Consumer complaint received 2016-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

Payment was submitted to Navient and I received confirmation number. Payment was never taken out of the bank account. Navient have said the payment could not be processed, and it was rejected. No reason was given for why the payment was rejected ( insufficient funds, wrong account number, expired card, etc ). No communication was given about the payment not being able to go through. I was not informed until the next time payment was called in.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

Navient has been calculating my interest wrong on my student loan. The initial capitalization of my interest was wrong. Then, wrong several other times between stages of repayment. I have paid over {$2000.00} on a {$3000.00} loan that has not moved at all. I 've been reviewing my payments and things do not add up.