davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I am writing to advise you that I am a victim of identity theft. The following account was opened fraudulently and is not mine : THE HOME DEPOT Account Number : XXXX I have tried to fix this with The Home Depot and am not getting any responses. This is preventing me from getting the credit I deserve.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AR)

This complaint is against Sears MasterCard and the refusal of that company to remove an unauthorized and contested charge. 
Details : 1. On XXXX XXXX, XXXX I made the mistake of enrolling with a company called XXXX, headquartered in XXXX. 
2. The fee for a 2-year enrollment was {$290.00} and was paid for with the Sears MasterCard. 
3. The account number for this card is : XXXX. 
4. After enrollment with XXXX I received a " Paid Invoice '' document stating it is for " Membership ( 2 Years ) which is attached as an exhibit to this complaint. 
a. I believe this receipt was mailed to me using the US Postal Service. 
b. No other document was received. 
5. Nothing was received stating any of the " Terms and Conditions '' of membership especially as relates to cancellation or re-enrollment for any services. 
6. No notification was received from XXXX as to a yearly fee of {$99.00}. 
7. No communication was received from XXXX whatsoever. 
8. When I received my Sears MasterCard statement for XXXX, XXXX the amount of {$290.00} payable to XXXX was shown. ( See the pdf file attached which contains documentation related to this complaint. ) 9. The {$290.00} charge was not disputed as I had authorized its payment. 
10. The XXXX XXXX statement for the Sears MasterCard showed a charge of {$99.00}. 
11. The amount of {$99.00} on the XXXX XXXX statement was not authorized. 
12. I called Sears Account Inquiries at XXXX to dispute this charge and to advise this was not an authorized charge. 
13. XXXX made an unauthorized charge to this account. 
14. The XXXX XXXX statement from Sears MasterCard shows a {$99.00} credit to my account. 
15. The XXXX, XXXX statement from Sears MasterCard shows a {$99.00} debit to XXXX. 
16. Sears MasterCard sent a letter dated XXXX XXXX, XXXX advising they could not " ... .recover the funds on this charge ... '' for reasons stated. See the XXXX XXXX Sears MasterCard statement in the document submitted. 
17. Shortly after I received the XXXX XXXX, XXXX letter from Sears MasterCard I again called to protest this charge and to demand it be rescinded. I had not authorized this charge and was not notified that the {$99.00} would be charged to me unless I took action to stop the charge. 

The documents attached as a pdf file are those referenced in the narrative above. 
I repeat, the charge of {$99.00} assessed by XXXX was not, repeat not authorized and I demand it be removed permanently. 
This is the second time I have had great difficulty with Sears MasterCard refusing to remove unauthorized charges. 
Please see that Sears MasterCard credits my account for the {$99.00} and does so on a permanent basis.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM  at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time, with the exception of a 30 day late payment in XXXX of XXXX. 
2. The age of the account 3. The account is closed 4. Shows account status as " Paid '' After XX/XX/XXXX there is NA payment history, the account is closed. Please remove from credit reports.
Consumer complaint received 2015-05-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates are attempting to collect on a debt that i do not own. They have continually called my home phone and my place of employment to attempt to collect on this debt. they have not provided any proof this debt belongs to me.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Ocwen sent an escrow analysis stating we needed to pay {$410.00} for a shortage ( even though by their own paperwork we had a {$0.00} shortage on our mortgage this past year ) I mailed the check, it was received and documented by the post office, cashed with in the time limit set by the company, even so our mortgage payment was increased to the level as if we did n't pap the shortage. When I called to find out why it was increased - I was told I needed to call again after the payment was made to request a new escrow analysis. Why? you did XXXX told me I was short and I paid it. I want the overpayment refunded to me and the monthly amount corrected.
Consumer complaint received 2016-01-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates contacted me on XXXX XXXX, 2014, Via XXXX MAIL, telling me to pay them {$840.00} for XXXX XXXX account number XXXX. Concerned, I called them the following day on XXXX XXXX, 2014 and I Paid them the full amount they requested immediately, assuming they had correct information. 
After that, upon inquiring about it directly with XXXX XXXX, it became evident that the account was in error and XXXX XXXX subsequently & Immediately deleted their negative reporting of the account from all three Credit Bureaus. I have tried repeatedly to contact Portfolio Recovery and they are still reporting it despite it being deleted from the original debt holder, XXXX XXXX. 

PLEASE help me. Portfolio Recovery has turned out to be an extortion company that got money from me and is still reporting an account that was in error from the original holder, XXXX XXXX. 

Best regards- XXXX XXXX
Consumer complaint received 2016-10-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NY)

The collection agency is reporting an account status/payment history to XXXX. For example, it notes my payment status as late and has been doing so since 2014. The history section of this history includes 30, 60, 120 days late and the monthly late payments continue to negatively affect my score. 

I called experian to have this removed an told them that collection agencies are not allowed to include this fraudlent information on my account and they said no and pressured me to not submit saying " it would n't get appoved anyway '' and that this was not a law. 

I know that 30/60/90/120+ lates are ONLY in regard to lates on the Original Creditor ( OC ) account. The reporting codes available to Collection Agencies only allows them to provide monthly updates to the Credit Reporting Agencies ( CRA ) as to the current account status as open ( unpaid ), paid in full, paid for less than the full amount, paying under terms. or deleted. 

I want this erroneous/fraudulent/unlawful information removed from my report. They also are reporting this account is " 1-Month '' term and CA 's are not supposed to code that entry that way. 

CA Name : Calvary Portfolio Services
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC. (FL)

I pulled a copy of my XXXX Credit report and found a listing from this company as collection item for {$770.00}, original creditor XXXX. I already paid a debt to this company for {$160.00} paying off a collection account. This {$770.00} debt is not mine, I have never received any statement from the original creditor or Gold Key credit. This violates federal law.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation (WA)

Broke lease after I found out that the apartment was full of black mold and was causing illness. tried to resolve issues with the apartment complex to no avail. Made complaint with housing authority submitting medical documentation of pulmonary complications to no satisfaction. remaining financial responsibility turned over to collection agency that will not provide statements, and continue to charge interest on original amount. I have endured great stress and financial difficulty in finding housing because of the breaking of the lease. I am a XXXX living on a limited income and these practices are causing great hardship.
Consumer complaint received 2015-10-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CA)

AES now holds most of my private loans. They refuse to send one statement with all of the loans and loan amounts on one statement. Instead I get a series of confusing and contradicting information. They also will not help me to navigate the pursuit of discharge because of my XXXX, I continue to ask by phone and in writing for straightforward instructions on the discharge process.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX a consumer report with information furnished by Experian was disputed. Experian expressed that they would contact the companies reporting the information and instructed them to review and verify the accuracy of the information, provide a response and update their records / system as necessary. Based on the response from the companies Experian deleted some but not all of the disputed information leaving alleged certified information determined by the companies furnished on the consumer report despite the verification/ certification from the consumer. XX/XX/XXXX another consumer report was investigated with finding of disputed and inaccurate information furnished on the report which has caused damages to the consumers financial reputation and credit worthiness. The consumer was denied credit extension for family and household purposes due to the inaccurate furnishing.
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX 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 2015-11-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (IL)

I obtained loans through XXXX being service through American Education Services, which I entered repayment in 2008. My original repayment agreement stated a repayment term of 10 years. Recently, I requested a foreberance for 1 month where I noticed that the term had been expanded to 155 months. Further, they have used the forbearance as an opportunity to reset my repayment term. I did not request this and it provides them with an extroordinary interest payment windfall. This needs to be looked into as none of it has been authorized nor has notice been provided in any loan documents during the disbursement process.
Consumer complaint received 2016-10-07
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing , inc, employee XXXX XXXX has threatened to seize Property at XXXX XXXX XXXX, XXXX, PA XXXX without cause. This company has also failed to validate any debt owed on the property. I XXXX XXXX, President of XXXX XXXX settled Debt and Civil claim of the Property with the original servicer XXXX, terms settled under the Mines and Minerals Act.
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (VA)

I have sent a letter to this firm on a debt to XXXX, XXXX XXXX XXXX XXXX XXXX. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of XXXX.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX, I attempted a transfer from my US bank account to my XXXX one via Wise ( formerly Transferwise ) for an amount of {$680.00}. The transfer was not successful, and the platform does not have a customer service phone number, so I contacted my US bank to report the charge as unsuccessful. My US bank reclaimed the charge and I stopped using the platform. 

In XXXXXXXX XXXX XXXXXXXX, I received an email from the platform that I owed these funds because the transaction had gone through, and I owed them this money. I then went through the process of trying to send the money through XXXX ( another transfer app ). I tried this multiple times with no success, and maintained contact with Wise personnel, showing them this. They said I must transfer from a US banking app, however, my bank does not have an electronic transfer option, and I live abroad in the XXXX. 

I maintained contact with Wise until XX/XX/XXXX, sending the payment they asked for. Each time I was informed they had not received it, and when I asked for further details on the address of their company for the transfer, or another option of payment, they responded with the same information. 

On XX/XX/XXXX, they emailed me saying they had closed my account. Without an open account, it is impossible to contact the customer service, so I no longer had the option to communicate with personnel. 

Throughout XXXX I emailed the company trying to fix this payment issue, and I received a response saying they would respond in a few days. I would never get a response except to file a claim, which I also attempted to do. However nothing was possible, it would revert me back to the start page of the website or I needed to have an active account to receive assistance. 

Today, XX/XX/XXXX I received an email from Wise saying that their debt collection agency will be in touch in the next few days to claim this " overdue debt. '' I am writing to express my frustration to the way this was handled by the company, particularly if this debt collection agency charges high fees on the overdue payment. I will include screenshots of the emails, dates, and attempted payments for clarification.
Consumer complaint received 2019-02-24
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: EQUIFAX, INC. (SC)

I became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XX/XX/XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, Equifax, Experian, and Transunion of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to Darcy ( 06-30-00 ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
Consumer complaint received 2015-05-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STATE FARM BANK, FSB (CA)

I opened a credit card with state farm, i should say my mother did but it was in my name and meant to start building my credit. Unfortunately, life got to my parents and i guess they used my credit card to pay for some things. Also, this was when I was XXXX and had n't dealt with bills or any kind of payments, they used my card I did n't. So, with that being said I did n't find out until later, about a year later I would say, that it was written off because they could n't pay for the fees and the total itself. Now I am struggling to get anything whether it is a credit card or a car loan or even a cheaper down payment on my apartment. If it is at all possible It would help me immensely for my credit. I am an honest hard working adult now, pay my bills on time, and am very responsible. It pains me that something so small is affecting my growing credit and halting my progress. I do not have the money to pay the entire amount, if need be I can pay a minimal amount but it would be a world saver for me if this could be taken off.
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX 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 2016-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Hello, I am levying this complaint against SPS ( Select Portfolio Servicing ), as they are a loan servicer apparently acting on behalf of my actual note holder, in which they keep secret. 
My wife and I are in a state of stagnation with SPS, we have been pushing for a loan modification with SPS since XXXX 2016, we have been more than compliant. 
We have submitted every document they asked for multiple times. 
SPS has engaged in a relentless and classic form of stonewalling, and as they do so they are causing a serious financial dilemma for my family, as we have only been able to afford to pay the principle and interest. Here 's the scenario ; they 'll ask for a document, telling us that this is the last document they need, we always comply, then we here nothing, they go dormant. we contact them asking for the status of the modification, they 'll ask for some document they already received from us. 
SPS has a team of phone answering personnel who run interference for the so called underwriters, whom they claim are the problem ... they will never let us speak to the underwriters, Never! 
I have literally begged them for an viable answer, they know were sinking fast, so there must some sort benefit for them not to comply with us. Please help! I know we ca n't fight them alone, And I know we wo n't last like this. 
Currently with the payment were making the escrow is not being met, and its getting worse. I told this to SPS, they usually reply ; sorry ... 
PLEASE HELP US..
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Account # XXXX XXXX XXXX XXXX I have called the creditor ; XXXX at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time, with the exception of a 30 day late payment in XXXX of XXXX. 
2. The age of the account 3. The account is closed 4. Shows account status as " Paid '' After XX/XX/XXXX there is NA payment history, the account is closed. Please remove from credit reports.
Consumer complaint received 2016-07-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC (IL)

I continue to get calls from XXXX with Premium Asset Services in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.
Consumer complaint received 2016-02-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CURO Intermediate Holdings (CA)

They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.