davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. PORTFOLIO RECOVERY ASSOCIATES, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor. PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts PORTFOLIO RECOVERY ASSOCIATES, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AZ)

On or around XXXX/2015 received call from this company ERC stating I owed XXXX on a XXXX XXXX cable bill. I thought company sounded suspicious so I told them that I would not pay over the phone with them but I would call XXXX XXXX and pay them.
I was later told by rep. for ERC that I should have paid ERC. and so now it reflex derogatory mark on my report and score which I 'm trying to repair. Can you help get this mark of report?
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (TX)

Went to XXXX XXXX, they told me I had 6 months free interest. The interest amount is outrageous. When I called XXXX XXXX XXXX, they stated I do not have 6 months free interest. This is a huge XXXX issue and a lot of junk fees. I am requesting they honor what they have said. 

Furthermore, I spoke with XXXX in Customer Service who is suppose to be a manager. It was the worst call every. Very unprofessional. You can tell they deal with upset customers everyday. They are on defense at all times.
Consumer complaint received 2018-09-30
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: Snow and Sauerteig LLP (IN)

Today is Sunday XX/XX/XXXX My name is XXXX XXXX. Current address XXXX XXXX XXXX XXXX XXXX, IN XXXX with a Mailing Address of XXXX. XXXX XXXX XXXX, IN XXXX. 

I have tried for more than a year to have Credit Bureau 's along with previous Creditor 's and ( UNAUTHORIZED ) Collection Agencies CORRECT/DELETE entries on my Credit Files due to VIOLATIONS of the FCRA, FDCPA, HIPAA OF XXXX, along with RISA AND the MVISA statutes to name a few. 

Not only are these " creditors ' in violation, but the " Credit Bureau 's '' as well. Even though I I have provided documented facts in the past, they maintain their records are accurate without providing verifiable proof of qualification. 

One of the many dates does go back, at least, to XX/XX/XXXX. 
I AM TIRED OF these companies CIRCUMVENTING the LAW!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (OH)

I have disputed it with the company and all the credit bureau and had it removed and the company keeps adding it back and refuses to give information on what the account is, what it is owed for, why they keep adding it back so that it stays a new delinquent. They are commiting fraud!
Consumer complaint received 2020-12-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

We have been struggling during COVID 19. We took our mortgage company 's forbearance help. My husband was told by one of their agents that after the forbearance that our balance would be put on the end of our loan. That was not the case. 
We extended our forbearance to avoid foreclosure and we started paying our monthly payments during the extended time. I was told by an agent that we could do a streamline while in the extended forbearance. I can not find a loan servicer that can do a streamline for us due to the inaccuracies on our mortgage statement and the fact that we are in a forbearance. On my payment history, it shows we have been paying our mortgage since XXXX. On my mortgage statement it shows that we haven't paid since XXXX and delinquent which loan servicers go off of the mortgage statement. 
During the extension, I applied for mortgage assistance and was denied all of the programs except a short sale. We owe a little over {$7000.00} and can not come up with that money all at once. We are going to lose our home to these scammers.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: EQUIFAX, INC. (FL)

I believe some one is getting credit cards in my name I don't have any credit cards in my name so if there any credit cards on my credit report open at this time they're not to me someone has stolen my identity and is pulling credit cards in my name
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I signed up for a credit report from Transunion on XX/XX/XXXX upon request of my landlord XXXX XXXX and was unknowingly opted into a XXXX $ credit screening service. I have been charged XXXX $ every month since and did not realize. Transunion did not spell out clearly that this would be an incurred monthly fee and I am seeking reimbursement for these fees.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NV)

I opened a Chase Amazon credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX ( unknowingly to me at the time ) took it upon themselves to automatically update the new Chase Amazon card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the Chase account after the balance had been paid. In my mind, the Chase card was zero balance and not currently being used by me. What is even more unfortunate is that Chase never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called Chase a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.
Consumer complaint received 2018-09-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Mobiloans, LLC (FL)

I have been made aware that this company is not licensed in the State of Florida to make payday loans. This company is also issuing payday loans with interest rates that could violate State of Florida and Federal usury laws.

I have requested my original loan document from this company and they are refusing to provide it. Instead they have provided where I applied for a loan and the paperwork about cost and fees. I have sent them several letters asking for my original loan documents to this date. I have not received them. This could be a violation of the truth and lending act.

Also they have listed this illegal loan on my credit history with XXXX and XXXX XXXX.

I want the loan removed from XXXX  and XXXX XXXX and any other credit bureau they may have listed it on.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

In XX/XX/2018, I went to a XXXX 's store in Downtown XXXX XXXX and made a purchase with my XXXX XXXX XXXX credit card. The sales associate asked me if I wanted to upgrade my XXXX   card to a XXXX XXXX XXXX XXXX credit card. I asked her if the upgrade would result in having one or two credit card accounts with XXXX XXXX and she told me that the XXXX credit card would merge into the XXXX XXXX resulting in only one account. I agreed to the upgrade under the belief that I would have only one XXXX 's account. Several days later, I received a letter from XXXX 's informing me that my application was denied because I was attempting to open a second store credit card account ; this was confusing to me because I was told that I was not opening a second account. A few days later, I received the XXXX XXXX XXXX XXXX card in the mail. I called XXXX 's and asked if both accounts would merge into the XXXX XXXX XXXX XXXX like the sales associate told me. The customer representative told me that they were no longer doing upgrades that resulted in only one account and that I now would have two accounts. Additionally, XXXX XXXX own website states that an upgrade to an XXXX XXXX account results only in one account : XXXX   : XXXX % XXXX. I told them that I was misled to believe I would only have one account, and that if I would have known I was opening two accounts, I would not have upgraded to a XXXX XXXX XXXX XXXX. I did not agree to two accounts. Now, I am concerned that if I close one of the accounts, my credit score will be adversely affected, as that's usually the result of closing a credit card account. I also submitted a complaint via the XXXX XXXX customer service website, and never received a response. I just got off the phone ( second call to XXXX XXXX customer service ) and filed yet another complaint. Thank you for your help.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/year>, {$260.00} was withdrawn by Venmo for a business going by the name of " A Mercahnt. '' I did some research into this transaction but found nothing in my records for this amount. After filing a dispute with Venmo, the company told me the charge was legitimate. Additionally, Venmo refuses to tell me the real name of the business or of any individual associated with its ownership. 

From my limited knowledge of XXXX financial law, Venmo can not withdraw money from my bank account for an anonymous business and is required to inform me of the real name of the company or affiliated individuals. 

I ask that the {$260.00} be returned to my bank account. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Insight Management Partners, LLC (AL)

This company reached out to me and I was unavailable to talk. Later that afternoon, my father called me and said that someone called him looking for me and had used profane language and called him out of his name. I got the phone number from him and realized it was the same gentleman I'd spoken to earlier in the day. For awhile, there was no additional contact. I then realized they'd been calling my house phone but I am typically in meetings and do not answer. 

From there, I answered another call and requested that the company contact me via mail and stop usage of phone calls. The associate then got nasty with me. I told them I would be reporting them and then hung up. 

Today XXXX XX/XX/21 XXXX, I received another phone call and told the person on the phone that I would like them to stop calling me and hung up the phone. They immediately called back. 

This company uses abusive language, calls entirely too much, and had no business calling my father and cursing at him when they'd spoken to me.
Consumer complaint received 2017-09-19
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. (OH)

on XXXX XXXX, 2015 I received a credit monitor alert stating I was 30 days past due on a auto loan payment ... ..I called my credit union for explanation, and they told me there was no late payments and no referral of late payment and it was the fault of transunion credit bureau for an erroneous late payment post .... I called transunion and they told me XXXX XXXX XXXX XXXX made a 30 day late payment notice ... ..I filed a complaint with your agency, and they referred it to the national credit union assoc ... ..after an investigation by the ncua, XXXX XXXX sent me documentation that the loan was never delinquent and was never reported as such..however, the late payment remains on my credit report and 44 points were taken off my score
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

I was in the furlough program with my mortgage company BB and T and have never been late on my mortgage. i paid off my mortgage and now it shows i am 120+ days late. i have tried to fix this with bbt but they havent helped. i am now trying to get another mortgage and cant because of this mistake by bbt on my credit. I also went into a XXXX branch and they told me to call XXXX XXXX. everyone wants to blame the other. now i am left with no mortgage and this cares act was supposed to not let this happen. I need help
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

I have been trying to get a Deed in Leiu from them since XXXX 2015. They keep sending me the same paperwork to fill out and nothing gets done. Every few weeks they send me a letter telling me I have a new account rep and the process starts over. I have had XXXX different people tell me they were sending the Deed in Leiu form for me to sign the property back over to them but they paperwork as never arrived and the new accout rep does n't see notes from all the people I have talked to before. The loan was forgiven in my bankruptcy but they are just giving me the run around and constantly harassing me.
Consumer complaint received 2024-03-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (KS)

We submitted an assumption packet on XXXX XXXX, XXXX. The buyers called and verified all the documents required were recieved. Mr. Cooper confirmed this request. Then I called Mr. Cooper to verify they had all the documents. They also confirmed this. We waited for a response from them and periodically called to get updates from them with no success. After almost a month, XX/XX/2024, the buyer called and received word that Mr. Cooper closed the assumption case and stated they didn't have all the required documents. We verified on multiple instances over the month and they refused to notify us of any issues. They refuse to reach out to us for any information as well. They reopened the case shortly after on XX/XX/2024. I called back today XX/XX/2024 because they told me no updates would be provided until XXXX business days after the request was submitted. I found out they never sent the required documents for the process in the first place and never tried to correct the issue in the process. Now they are telling me the standard process takes XXXX months but, they are not staffed to handle the current workload in the assumptions department so expect XXXX  months. Something needs to be done about this because it is completely unrealistic to expect the sale of a home to take this long.
Consumer complaint received 2022-08-12
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 2023-01-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

My wallet was stolen out of my car awhile back. I immediately reported it to the police once 1found out. I believe 1 could be a victim of identity theft as i had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle.

To whom it may concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you. Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? 1 heard that if you can't provide proof, these accounts must be deleted. Well want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation and provide me with verification of these accounts. Please investigate the following accounts and remove them if anything IS missing or not correct on them.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX the irs deposited XXXX dollars stimulus payment onto a prepaid american express serve card that i had no clue about. I thought the funds wered deposited into a closed bank account. I put a payment trace on the XXXX and didnt get the results until XX/XX/XXXX. I located an account from the transaction id given to me by the irs On On XXXX XXXX the funds were depleted to {$1.00} balance. I live in florida and have never been to california and thats where ALL the transactions occured and the total balance was depleted in 4 days. I notified serve customer service. Also account protection team. Spoke with supervisors etc ... Was sent a link which was a declaration of fraud form that needed to be filled out. Keep in mind. I didnt ever have possession of the card nor did i even know about it till XX/XX/XXXX but i was being told i needed to give detailed information about transactions that were to be disputed. Which i completed in detail as best as i could. I emailed and i faxed copies which were confirmed to have been received. I was told on a recorded line that my funds would be credited back to my account on the XXXX. I looked today and there has been no change. I called them back again and was told that things were still being investigated and i woukd receive an email with a decision in the future. Not more than an hour later i got an email saying my claim was denied. This is absolutely outrageous. This is a form of strong arm robbery. Something needs to be done about this. Im sure this is haooening to many other people. Thabk you.
Consumer complaint received 2021-04-06
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: LEXISNEXIS (WI)

bankruptcy being reported on credit report, I asked XXXX  and XXXX  to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. XXXX  and XXXX stated that Lexis Nexus provided them with this information I contacted lexis nexus and the rep told me that Lexis nexus does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to fix this issue with each credit bureau, Transunion, XXXX and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (OH)

Per the credit reporting company an individual credit card was opened using my name and social security number. 

BB & T XXXX, NC opened XX/XX/20 no balance as of XX/XX/20 credit limit {$15000.00}