davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I requested a copy of my credit reports and noticed that this company was reporting an inaccurate debt on my report. I sent a letter to this company on XX/XX/XXXX asking them to verify this debt owed as mine. I received a letter back, which they failed to verify anything, instead Portfolio Recovery sent me a list of charges or an itemized bill of what I alleged owed. As shown on the statements that I were sent for XX/XX/XXXX, this is NOT my name NOR is this my address. I clearly indicated my information on the first letter. 

I was confused as the originally creditor was XXXX XXXX. 
When did Portfolio Recovery become a bank or a lender? 

On XX/XX/XXXX, I sent a follow up letter, once again demanding validation of this alleged debt that I owe this company. I received a response, that stated that any further disputes would not be looked in to as they have already verified THEIR information to be accurate.
Consumer complaint received 2016-08-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (CT)

I attempted to make a payment arrangement with Paypal Credit earlier today, XXXX. The rep I spoke with stated no arrangement/payment plan is available at this time, they have all expired. I was not aware of any plans to me prior to them expiring, the last XXXX I was made aware of through a message from CFPB is an amount of around XXXX for three months, bringing the account current. However, the rep informed me this plan has also expired. She was also made aware of some fraud charges made from an XXXX, a jewelry site. A XXXX with a similar name, XXXX XXXX, placed these orders using my name as it is similar. I use a middle initial, S, he does not have or use XXXX. My full legal name is XXXX XXXX XXXX. Please advise Paypal Credit I can pay a minimum of XXXX for the three months, despite the fraud charges.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (IL)

I am unaware of this debt.I didn't have an opportunity to dispute or access the debt prior to being reported to my credit file. If in fact you believe that you gave me proper written notification, please send me a copy of the certified return receipt bearing my name and signature as proof of delivery. If you can not produce these documents then you have just violated me under 12 CFR 1006.34 ( A ) ( 1 ) ( I ) ( B ) .I will be requesting immediately deletion of this account from my credit file.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been disputing a particular account since XX/XX/21. And since that first letter was sent, I have followed up with four more letters regarding the same account. The last letter that I sent, I requested a method of verification as within my rights according to the FCRA. I have yet to receive a response describing the method of verification. Beyond that, I have sent letters that have gone unanswered prior to this last letter as well. I feel like my request to have this account be removed is being ignored. I have stated several times in several letters that the account in question is appearing as an open account, yet it a collection/chargeoff. That is not possible and it is completely inaccurate. I have a right to have a credit report that is accurate and complete. This is a violation of my rights and are completely being ignored.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

From what it looks like on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were accounts opened with XXXX XXXXk. I DID NOT open these accounts at all! I want this this is ruining my credit and how i can open up an account also it looks like someone opened up an account at citizens bank as well on XXXX/XXXX/XXXX I had my wallet stolen but I dont get how they opened my account like this! 

I have tried to talk to them and they wont do anything about it. I just keep getting bills to pay it. I am not paying anything that i dont owe!
Consumer complaint received 2015-08-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

Santander XXXX lender who never proved they owned my loan is not making harassing phone calls to me 3 years after the last payment if a loan in which I satisfied fully. The have n't been in contact with me in three years and have taken action with false reporting on my credit report.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from XXXX XXXX XXXXXXXX , TD Bank , and XXXX XXXX . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.
Consumer complaint received 2017-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Disputes were sent to Transunion on XXXX XXXX, XXXX asking them to validate the debts by providing proof that these belong to me and are reporting correctly on my credit report. Transunion responded by sending updated credit reports stating that the debts had been verified, however did n't provide proof of how they came to those conclusions.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One 's current TV advertisement is deceptive in that the terms and conditions for opening an account ( i.e. the fine print ) are not legible in that they are written. In white font on light ( gray ) background. This is obviously a UDAAP violation with clear intent.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (LA)

On XX/XX/2017 I purchased a home near XXXX XXXX, XX/XX/XXXX. Standard Mortgage Corporation required that we escrow both taxes and insurance. At closing we prepaid a year 's insurance premiums ( {$1100.00} for homeowners insurance, plus {$1400.00} for flood insurance ). 

Now XXXX XXXX says they have not received any payments from Standard Mortgage and if they are not soon paid I will have to pay the premiums all over again, this time directly to XXXX XXXX. 

I have sent an email to Standard Mortgage and talked to XXXX XXXX in Customer Service when she called me today. She is not sure whether the problem is with Standard Mortgage or with the Title Company that did the Closing. I know that, per the Closing Documents, I paid the funds to Standard Mortgage, and therefore that is who should make the payments. XXXX XXXX has the correct address for Standard Mortgage 's Escrow Department in XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Stenger & Stenger, P.C (IN)

Stenger & Stenger have contacted me in regards to a debt without supplying my signature that I owe this debt or validating this debt. I would like to seea ny original documents with my signature in regards to this matter. I have disputed this with the credit bureau and this claim of debt owed was removed from my credit. I have now received a civil wage garnishment on a debt from 2009 and again have not been supplied with any information that this is valid. They are now using threatening tactics. This is not a fair practice to me. They are now contacting my place of employment and other contacts that I have not given permission to do so. CASE # XXXX with XXXX County Indiana has been closed and they are still threatening action. They are trying to threaten on an invalid debt past the statutes of limitation.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture of the account with the inaccuracies.
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

I contacted Regions on XX/XX/XXXX through the customer service line regarding a payment that will soon be withdrawing from my account. I notified the representative that I 'm worried about a payment that will hit the account soon and that it would overdraft the account. The Regions representative notified me that since the payment has n't hit the account yet, there would n't be any overdraft fees. She also notified me that if the payment does decide to hit the account, then all I have to do is make a deposit before the payment post. So late Friday XXXX XXXX, the payment for XXXX hit the account but did n't post yet. I had 4 pending transactions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and chairs that were pending but the funds were already taken out of the account leaving me with {$45.00} in available funds. When the XXXX payment hit on the XXXX, it made the account become overdrawn and XXXX XXXX and XXXX to savings posted. So I went to the branch in XXXX and spoke with a representative named XXXX. She notified me that I should n't have been charged on my account and told me that I will have to contact customer service since her branch was n't the one that opened the account. So I contacted Customer service and they were able to credit back {$18.00}, but told me to contact my local branch in Alabama to get the rest of the funds refunded. When I contacted the XXXX Alabama branch on Monday XXXX XXXX, the representative did n't honor the agreement and told me that I was misinformed by all the other representatives that I spoke with. This is really upsetting when all the other representatives are on the same page, but the branch that opened my account is n't. Now I have an overdraft fee for {$72.00} on my account that should n't be there and I feel like I was lied too.
Consumer complaint received 2019-10-26
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. (NC)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2017-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I 've recently downloaded the XXXX XXXX app where I can borrow money and pay when I get paid. On the app it is still saying that they do not have verification of when I got paid so I can not cash out for a payday loan because they are unable to communicate with my bank the State Employees Credit Union
Consumer complaint received 2017-10-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Fein, Such, Kahn & Shepard, P.C. (NY)

In XX/XX/XXXX, Fein, Such and Crane, LLP began a Foreclosure on my property for XXXX. Records obtained from XXXX indicated that the loan was signed off on in XX/XX/XXXX. I believe that false documents are being used in court. I think that I am the victim of foreclosure fraud and robo-signing. Most court documents include sensitive information that has been blanked out. Fein, Such and Crane have been accused of committing foreclosure fraud and robo-signing documents. Fein, Such and Crane and XXXX have refused to validate my debt. Fein, Such and Crane, LLP has recently changed their name to XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-10-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Go Capital Holdings, LLC (GA)

Hello, My name is XXXX XXXX I have been in touch with XXXX from XXXX. XXXX set me up with a payment arrangement and told me to call when ready to pay. The arrangement date was set for XX/XX/19. About 4 days before the XXXX I contacted XXXX and left a message for a call back but no call back was received. I called again but no answer. I was told to call to do payment Over the phone but none of my calls have been returned. 

I did not want to file a complaint, I just did not know how else to get in contact with the company. 

I was left with only phone number and not a direct email.
Consumer complaint received 2019-10-26
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. (NC)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2021-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Hello I'm in XXXX county Georgia. I used to get a separate bill for storm drain charge which is a utility to maintain the drains. Now the county assessor is including it on the property tax bill. Can they do this add it to tax bill so lender collects enough in escrow to pay it. I have a fha loan. They sent a letter and this will take effect this year tax bill which.comes out this month.

XXXX County is who is putting on tax bill as a separate line. Spoke to mortgage company they pay whatever total is on the bill. They don't separate it out.
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I was offered a loan modification after a brief period of employment ( 6 months ). The only problem is that Chase did not credit all my payments from before I notified them I was unemployed ( which was 60 days before I was late on any payments ) nor did they credit my payments made during the loan modification process. This means my new loan beginning " loan amount '' was too high. I tried to clear it up with the Executive Office Customer Service Rep but " XXXX XXXX '' was not able to explain the math computation. We went over it for a few months and she had to go back to me for clarification but never was able to. 

I then was provided XXXX XXXX, Customer Assistance Specialist and he agreed to send me documentation and then set up an appointment with an Underwriter who will explain the math. 

I was bullied and threatened into signing a loan modification that Chase fully knew was inaccurate. Chase 1 ) over charged me for a new loan by starting the loan balance too high 2 ) charged me two years of taxes, putting those costs into a 2nd subordinate loan when I was only out of work for 6 months and had paid my taxes via my escrow account and had enough funding in my impound account to cover my taxes. This meeting with the Underwriter never happened. Every time I contact Chase, 1 ) I can not reach assigned rep XXXX XXXX 2 ) he may call me once and I miss his call and he never calls back until I call again for months. 

I would like Chase to Gove over the loan modification math computation showing they have credited all my payments, I would like an accounting for my tax impound account, I would like my account corrected and the loan modification docs the forced me to sign under duress of the threat of foreclosure be cancelled and reissued correctly in a timely manner.
Consumer complaint received 2018-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Cognition Financial Corporation (IN)

I have private student loan with XXXX XXXX XXXX XXXX. As of last XX/XX/XXXX it was with XXXX a collection agency. I was paying on it every month. I Called XXXX to continue my scheduled payments and they said XXXX had taken it back. I have not heard from XXXX. I have called XXXX they couldn't find my account, they sent me to XXXX XXXX XXXX, they couldn't find my account. Next they sent me Recovery Specialist Cognition Lending. This company could not find my account.So inXX/XX/XXXX I received 2 tax forms, a XXXX  with the Interest on my loan and a XXXX, Cancellation of Dept. Well there is still a balance of XXXX  on the loan. This is not a good thing. I am still responsible for this dept.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

After making a purchase with my XXXX XXXX XXXX credit card on XX/XX/XXXX for {$43.00}, I paid the purchase off as well as any late fees in full on XX/XX/XXXX which amounted to {$100.00}. The company continued to charge my account interest and late fees without notifying me of any activity on my account. I had not made any purchases using the card after the initial charge on XX/XX/XXXX. This is because the company had failed to send me a bill for that charge or any information about how to pay off the card, which is why I accrued late fees and did not pay until XX/XX/XXXX. I was weary of the company 's credit policies and decided to no longer use the credit card I had with them. Regardless, the company continued to charge me these late fees and minimum charges without notifying me of the charges on my account - their records show no indication that I ever received any information regarding these charges aside from ONE bill that finally came in XX/XX/XXXX to the amount of {$89.00} which was a result of the minimum charges and late fees that they had been charging my account. The company has acknowledged their mistake and said that they would report the error to credit agencies for the month ofXX/XX/XXXX However, this has been going on since XX/XX/XXXXand my credit has suffered since then at no fault of my own. I would like the false delinquencies, starting XX/XX/XXXX, to be removed from my credit score. The files I have attached show the account statements proving this fact. For the statement of XX/XX/XXXX, it is clear that I made no purchases but the company still charged me minimum and late fees.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This complaint to BANK OF AMERICA for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WY)

Im writing again, hoping you can contact Wells Fargo and get them to properly review my loan for assistance options. I submitted my application for assistance well before their stated cut-off, and have been diligently supplying follow-up information as requested. In spite of my active review, they have not removed my sale date, which I have been informed is in direct violation of federal foreclosure laws.

To summarize again how I got here, I took a new job in XX/XX/XXXXof 2016. But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less.