davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX
Consumer complaint received 2016-06-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc (FL)

I traded my vehicle in on XXXX XXXX 2016, and a payoff check was sent overnight via XXXX for the payoff amount. 
Harley Financial AKA XXXX XXXX then labeled my account PAST DUE and still refuses to record the full payoff check to my account so they can add fee 's and costs along with damaging my credit in the process because they claim the pay was received.
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company basically likes to steal from people. They are still reporting me on collection when I have informed millions of time that the account that is open under my name, was open as a result of identity theft. I contacted them last week to let them know again, and tried to find a possible solution to my problem, and the representative that took care of me over the phone told me that the account was a result of a XXXX card. I wasnt even aware of that. I find this very weird because I was approved for a XXXX card having them reporting me on collection. When i checked my credit report, it said that he original creditor for this account was XXXX bank nevada. Nothing makes sense to me. They dont even know what they are doing and what they are charging me for.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

For years now XXXX has violated privacy laws. XXXX and XXXX BOTH have FINALLY COMPLIED and have removed blocked deleted the furnishing from LEXIS NEXIS which is FROZEN by the way ; LEXIS NEXIS DOES NOT HAVE FIRST HAND KNOWLEDGE nor the CONSENT TO USE NON PUBLIC INFORMATION!!!! 

NEITHER OF YOU HAVE SIGNED SOCIAL SECURITY XXXX FORM XXXX and you are causing XXXX IN THE LIBEL!!! 

REMOVE THIS XXXX!!! 

THE COURTS DO NOT FURNISH DATA SO YOUR DISPLAY IS MISLEADING AND FALSE REPRESENTATION AS YOU PURPORT THE CLERK OF COURT HAS SHARED NON PUBLIC INFORMATION WITH YOU WHICH IS DECEPTIVE TO SAY THE LEAST!!! 

AND YOU ARE MISINFORMING THE PUBLIC YOU ARE GUILTY OF AGGREGATE IDENTITY THEFT!!!! 

COMPLY COMPLY COMPLY XXXX!!!
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (IL)

On the XX/XX/XXXX I applied and got approved for the American express platinum card that came with the bonus promotion promising XXXX membership rewards points after spending {$3000.00} within first 90 days ( see attached document 1 ). 
On the XX/XX/XXXX American express took XXXX membership rewards points away from my account ( see attached document 2 ). I received email explaining that my points were taken away and claiming that the points have been earned in inappropriate manner????? ( See attached document 3 ). 
I have called American Express to inquire about points adjustment, the agent stated that the points were clawed back because I have closed the card, and there is no way to get points back. I informed agent that there is nothing in Terms and conditions about removing bonus points if the card is closed. Next Agent helped me file claim/inquiry with American Express regarding the XXXX points adjustment. After speaking with XXXX at American Express Membership rewards department, she informed me that the qualifications were not met to receive bonus. 
When adding all my purchase minus fees and adjustments, and returns my total spends for first 90 days was {$3300.00} ( see attached document 4 ). 

Please add my purchase manually and deduct the fees, adjustments and returns and you will see that my purchases in first 90 days well qualify me for the XXXX bonus points. 
There were no fraudulent transactions and points were obtained in good faith. 
I honestly think this is computer error and it can be corrected if reviewed correctly.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Inquires not authorized being reported on credit report XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (ND)

Company has attempted to call me every day for over a month, and has also reported delinquent account 3 times in the past 2 weeks in an attempt to force me to pay the amount they say I owe. This is excessive and damaging.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I submitted a dispute on XX/XX/XXXX Equifax dispute Confirmation Number : XXXX It has been past 30 days and I have not been notified that the dispute was complete. 
The dispute was in regards to a XXXX account. I am disputing late payments on this account for the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-05-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

cfpb, Portfolio Recovery Associates have been on my credit report for quite some time now reporting an alleged debt of {$650.00}. I have sent them debt validation letters several times requesting " original account-level documentation '' and it went unanswered. Completely ignoring my request as to the validity of this debt. 

Portfolio Recovery Associates is also reporting to the XXXX, XXXX XXXX and XXXX credit bureaus as " Late '' and also protruding themselves as a " Factoring Account Company '' rather than a Collection Agency in their true name. " Factoring Companies '' are companies that buy corporate accounts receivables that are not past due. I XXXX XXXX is not a business and did not factor any receivables as I have no receivables and no relationship with this business. Portfolio Recovery Associates are calling themselves a factoring company and not a Collection Agency, giving themselves automatic rights to report a collection as a revolving credit card account thus allowing them to report late payments and report the account as open rather that closed.
Consumer complaint received 2015-08-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (PA)

I am more than angry that an additional payment to my chase visa got arbitrarily split rather than where it was intended to go. I sat on the phone for 30 min XXXX with a rep who told me that in a very small window ( 3 days ) I could direct and make an extra payment to the highest balance. This did not happen. When I finally demanded to speak to a supervisor, XXXX XXXX, he had no idea why the amount was instead directed to two balances rather than the highest. He also had no idea how the amount of the split was calculated. He did n't know " what algorithm was used ''! Instead he kept saying that 's how Chase decides to do it. What kind of customer service is this?? Further, how is this transparent to the consumer?? How does Chase just decide what to do with my payments?!
Consumer complaint received 2022-02-14
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-10-19
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: Debt Recovery Solutions, LLC (CA)

I checked my credit report and saw something in Collections that said debt recovery solutions. I have never had any thing in collections. The amount says {$310.00} and that it was opened this year. I never pulled out a loan this year, nor have I even been able to get accepted for one. Someone must have stole my information online which is weird because I cant even get approved for a loan with how low my score is. I have no idea how this happened. Its fraudulent. I never opened it.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

XXXX, contracted with Penny Mac, which is in XXXX, CA and is not an institution, but a whole sale, only. This Penny Mac is a servicer and has been my nightmare since, XX/XX/2009. They have committed the following against me ... forgery, theft, threats, extortion, threats to foreclose, destroying the church checks, false allegations, mailing me a fake check, etc. They are savages and predators and extreme action needs to be taken. Again, I submitted another church check for {$240.00} for XX/XX/XXXX and my check for XX/XX/XXXX and my check cleared and they are claiming I did not pay for XX/XX/XXXX, either. Now they have me in foreclosure, due to their repercussions. The church is devastated, as this goes on every year and I have to battle with this Penny Mac. XXXX, is totally responsible for everything that has occurred against me. Then to top it all, now I receive a bill for two cents. Let them try to collect. The check for XX/XX/XXXX is the XXXX check. All they do is destroy the evidence. This is a yearly ritual with them. 

The rage, depression and the migraines that these predators have caused me has been endless. I could go on and on. This has been years of XXXX. The only services that are offered, which are none, are blood on their hands and they speak with fork tongue. 

The are anti social and savages and their are numerous law suits against them. 
Today, I open my mail and after a month, they have the audacity to mail the church check back and now they want me to send them certified return receipt monthly? In their nightmare, they will. I have been in contact with legal and we will see them in court. The war is not over.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MT)

I have a XXXX XXXX XXXX credit card issued by BarclayXXXX. On XX/XX/2022, I contacted XXXX XXXX XXXX Barclay Card for the second time regarding the XXXXXXXX XXXX XXXX gift cards I was to receive as part of my rewards points were not available to me. I had previously contacted them regarding a physical {$25.00} gift card I had not received. BarclayXXXX did NOT replace the missing gift card and refused to do so. They only signed me up for e-gift cards. The gift cards that show on my account are NOT available to me for use because their website requires an authentication code be texted to my mobile phone. When I click the button to request the authentication code, an error appears. I called BarclayXXXX on XX/XX/2022 to request they fix the error with their website so that I could access my e-gift cards. I was told it would take 15 days to research the issue and I would receive an email. BarclayXXXX did NOT contact me to resolve this issue. I again called BarclayXXXX today, XX/XX/2022 to request an update. XXXX answered the phone and determined she would not help me. I was then transferred to XXXX who determined he would not assist me. I was then transferred to another department ( care, I think ) where I was promptly disconnected. It is clear to me BarclayXXXX  has no intention of providing the XXXX XXXX XXXX gift cards I am owed which is deceptive advertising ( and theft ) for the XXXX XXXX XXXX credit card program.
Consumer complaint received 2023-04-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In 2019 XXXX is reporting that my account was not in deferment. For the entire year of 2019 I was in some form of forbearance or deferment. The report also shows me being 90,120,150, and 180 days late which does not add up. This is on all three credit bureaus.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (FL)

I made a purchase to an online company called XXXX XXXX from XXXX in XXXXXXXX XXXX XXXX, a couple of days after the purchase, I contacted the seller and I got no response either by telephone or email, I thought this was a little suspicious so I contacted the credit card company Affirm to have them cancel the purchase about a couple of days later, the purchase went from pending to completed and Ive contacting affirm the credit card company Affirm, its been almost 3 months now since the purchase and affirm keeps telling me theyre still investigating, below is the credit card companies information. 
Thank you XXXX XXXX Affirm 's corporate headquarters are located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CT)

in XX/XX/XXXX i received a statement indicating payment of tax bill for XXXX for XXXX XXXX XXXX that was under lease though i purchased it outright in XX/XX/XXXX from KIa Motors Fiance in amount of {$630.00} so I paid it via check # XXXX on XXXX and it was cashed by them. I then received a tax bill from Citoy of XXXX indicating that no taxes for XXXX was paid and since I own the vehicle I had to pay via check # XXXX before my registration was cancelled. I contacted Kia and was told to send all paperwork to their Tax Abatement office so they may refund my {$630.00} and that was on XXXX. I never heard back and sent a follow up letter on XXXX and still nothing. I phoned them again on XXXX and they said they need the registration which the bank took when i purchased the vehicle and my registration shows myself as owner not Kia Motors Fiance like before. They demanded me to pay taxes for XXXX yet they never paid the City of XXXX and I had to pay them for same vehicle and same tax year. They fraudently took {$630.00} and I am willing to sue them as I have supplied all required paperwork showing amounts, cashed checks, tax bills, vehicle vin numbers etc that much up XXXX wish to file a complaint for blatant consumer violations
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VALLEY NATIONAL BANCORP (NJ)

Valley National Bank holds the mortgage on my condo at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Loan number XXXX. ( Valley National Bank, XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX ). I am not sure if it is a conventional or FHA mortgage. 

Valley Bank converted to a wholly new computer system in XXXX, XXXX, which created an interruption of banking services for several days. At the same time, they switched from one loan servicing system to another for mortgage loans. Since the conversion, the due date shown for my next mortgage payment is wrong ( what is showing on-line and on the hard copy statements they mail to me ). It appears as though they did not credit one payment, though on the few occasions I have been able to reach a person in the mortgage dept. they have assured me that my records are correct and I am not late in any payments. They dont know why the on-line and statement records are wrong. Because of the system conversion, Valley was unable to produce a normal statement for a 3-week period spanning XX/XX/XXXX to XX/XX/XXXX. I made my normal monthly mortgage payment to Valley on XX/XX/XXXX. I think this is the root of the problem. For whatever reason, this payment, which covered the XX/XX/XXXX due date, did not result in the bank rolling the due date of the next payment forward to XX/XX/XXXX. I have since made additional mortgage payments, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX but, as of this writing, it appears on their end that I owe a payment for the month I already paid. I do not. They issued a statement to me on XX/XX/XXXX showing that I missed the XX/XX/XXXXXXXX  payment. I want this records keeping corrected. It is very disconcerting to pull up my on-line banking records and see that a loan payment is overdue when it is not. Ditto when I receive a loan statement in the mail that is incorrect. At what point is the bank going to insist that I am late in paying my mortgage and levy a penalty?
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

As of XX/XX/2021, a debt account was initiated in my name. I subsequently made a request for verification of said debt, inclusive of the original agreement, in order to ascertain the veracity of the original creditor and underlying debt amount exclusive of any ancillary charges. 

Regrettably, despite the request being lodged, I was not furnished with the aforementioned documentation. In light of this, and given the frequency and persistence of the debt collector 's communication attempts, I proceeded to engage a representative of the aforementioned entity and forcefully articulated my demand to cease and desist with the communications. 

Furthermore, I expressly communicated to said representative that I had previously solicited verification of the subject debt, but to no avail. As it stands, the entity has my correct contact information on record but has yet to provide me with the requisite documentation to validate my purported indebtedness. 

In sum, given the lack of evidence of the debt, the absence of due documentation to substantiate said debt, and the failure to meet legal deadlines with respect to furnishing requested documentation, I vehemently maintain that I do not owe the debt in question.