davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024, XXXX PORTFOLIO RECOVERY Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It XXXX Concern, Firstly, upon receiving your correspondence dated [ Date of Correspondence ], I carefully reviewed the information provided. However, it became evident that the documentation failed to sufficiently validate the existence and legitimacy of the alleged debt. Per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I am entitled to request validation of the debt, including proof of its origin and the right of the creditor to collect such debt. The documents provided by Portfolio Recovery did not fulfill these requirements.

Furthermore, it has come to my attention that I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). According to this regulation, consumers are entitled to dispute the validity of a debt within a reasonable timeframe after being notified of it. However, I was unaware of the existence of this debt until receiving your correspondence. Consequently, I was deprived of the opportunity to exercise my rights to dispute the debt within the specified timeframe. 
In addition to the lack of validation and opportunity to dispute the debt, I must address the issue of notification. Your assertion that proper notification was provided raises concerns. I request that you provide evidence of such notification, specifically a certified mail receipt with my signature acknowledging receipt. Without this documentation, I remain skeptical of the claim that I was properly notified of this debt. 
It is imperative to remind Portfolio Recovery of the regulatory obligations and legal consequences associated with debt collection practices. As per recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ), Portfolio Recovery has been ordered to pay substantial penalties for illegal debt collection practices and consumer reporting violations. This underscores the importance of adherence to the law and fair treatment of consumers. 
In conclusion, I demand that Portfolio Recovery cease all collection activities related to the disputed debt until proper validation is provided and I am afforded the opportunity to dispute it in accordance with applicable regulations. Failure to comply with these requests will result in further action, including but not limited to, filing complaints with the appropriate regulatory bodies and seeking legal counsel. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (PA)

I had sent a verification request to this company and to date they have yet to respond. In the dispute letter I listed the items I need in order for me to verify it. See attached. West Lake claims that I owe them a debt and that they have suffered a loss from when I " purchased '' the vehicle however when I requested The Book Entry Securities ( also referred as uncertificated securities or paperless securities ) and the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss they never responded. This is false and deceptive collection practices. Additionally, they reported an additional account on my transunion consumer report and that account has the same account number, balance and collection status except that it is being reported as a mortgage clearly showing that they are willing to violate the Fair Credit Reporting Act as well. See attached exhibits. If this agency continue violating the procedures and requirements of both Fair Debt Collection Practices Act and Fair Credit Reporting Act, I will seek legal action as they are falsely sharing information on my consumer report thus defaming my character.
Consumer complaint received 2021-09-12
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. (MA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (HI)

In 2017, I went through a financial hardship. I sought help from many financial institutions. I finally found a company, Freedom Debt Relief ( FDR ). I was promised that through their sister company that all my debts would be consolidated & paid off. That never happened. Anyways, I joined there program complying with their requests : I closed all my accounts & had {$690.00} withdrawn automatically from my checking every month to the present. 
After many months, all my accounts were charged off. FDR reassured me that it meant nothing. They told me my credit score would drop a little, but after six months it would start going up, again. They told me not to apply for anymore credit. Little did I know at the time how those charges offs would affect me in the future. I was never informed that I was liable for those charge offs to the Internal Revenue Service ( IRS ). 
Even though the accounts were being settled for less than owed, I was paying FDR 20 % of the full amount of each enrolled credit card & personal loans. Also, I had to pay the settled charge off amounts to the IRS. So, not only are the creditors able to write those charges off to the IRS, they still get to collect the settle amount. Win-win for the profitable creditors. 
Meanwhile, I have to struggle to work just so I could payoff all my financial obligations. I have not missed any payments in the last 48 months. Yet, I still can not even get a simple XXXX XXXX or XXXX credit card, because I have derogatory information on my credit report which has to remain on my credit report for seven years.
Consumer complaint received 2020-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (KS)

I have repeatedly requested a correct accounting of all payments and interest on my loan. Recently I received a statement from Navient that incorrectly accounts for principal and interest paid on this account. As a result I can not determine the accuracy of their numbers. I have been making payments that are larger than the requested payments. An example of this is the period from XXXX toXXXX ( the last they listed on the statement they sent me in XX/XX/2020 ). During this period I paid {$10000.00}. During this period there is no change in the principle balance. I have calculated my interest rate and more than half the payment should have been applied to principle. 

I am requesting an accurate accounting for this loan that shows Payment made and date Interest charges Any other charges When I received this statement I called them and they assured me this statement was correct. I can not see how this is possible because I have made payments that are larger than the payment indicated on my statement every month. 

It is a shame that I have to make this complaint but I feel that my requests for an accurate accounting for this loan have been ignored and that the documents they have provided demonstrate fraud on their part.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

XX/XX/XXXX and XX/XX/XXXX after making a payment to be applied to my mortgage I get these messages that state : On XX/XX/XXXX, $ XXXX was received for PNC mortgage ending in XXXX. Funds intended as a mortgage payment are applied when a full monthly payment is received. 

And it's my understanding the according to regulation the payment must be applied when received. 

https : //www.consumerfinance.gov/rules-policy/regulations/1026/10/
Consumer complaint received 2020-07-13
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. (NY)

I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my report.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (WI)

My current credit report is showing that I have a Target Credit Card open that has never been used. However, I have never had a Target Credit Card. Target can not find any card under my name and is refusing to remove the card from my credit history even though they can not find a card registered under my name. Because I have never actually had a card with Target I do not have the full credit card number with which to reference what is showing up on my Credit Report. I would like Target to remove the credit card they have listed on my credit report as they have no history or documentation of me ever having had a card with them. Even though I do not have any outstanding balance this card is negatively affecting my credit.
Consumer complaint received 2024-03-16
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: Exeter Finance, LLC. (TX)

We traded our car, and we authorize the dealership to only do wine, credit inquiry, and they did XXXX. Please remove them immediately, because now my credit went down almost XXXX points. 
The dealership says they can not do anything, and that they didnt realize, that they were trying to find us the best possible rate. They say theres nothing they can do. Im extremely upset because he took me years and years to be my credit. Please remove all the credit Hits/inquiries for an auto loan. Thank you very much.
Consumer complaint received 2021-02-26
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: Experian Information Solutions Inc. (SC)

I entered into a settlement agreement with XXXX XXXX XXXX through their third party debt collector XXXX, XXXX in the amount of {$3800.00} to settle the full debt of {$15000.00}. There is a current balance on my credit report for the difference,XXXX, when the balance should be {$0.00} reflecting a settled account. I have attempted to dispute this three times with no success with Experian. There is a one day delay in payment granted by XXXX XXXX XXXX XXXX to pay the same amount for the account to be resolved ( letter states XX/XX/21, approved to pay on XX/XX/21 which was completed ). XXXX XXXX XXXX XXXX has resolved the account and showing a {$0.00} balance. XXXX XXXX XXXX is reporting a balance of XXXX balance on my credit report.
Consumer complaint received 2019-05-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Chase failed to disclose that there would be an additional lien on the title of {$42000.00} after paying a extended amount of payments over time of the span of XXXX  to XXXX. 
After XXXX paid each month for 30 years. Stii have to pay additional {$42000.00} to have clear title. 
Did not discover this information till I attempted To refinance the house. 
PREDATORY BEHAVIOR
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OR)

I have disputed certain information on my credit report with Equifax - apparently filing these disputes with people who are in customer services positions overseas ... Either they could not understand what I was saying or they were not listening. At any rate after a month of working with Equifax I had a bigger mess on my record than prior. Shortly after that I had a horrible accident and have been ill since that date only now am I able to redirect my attention to address theses issues : The following were all listed on my Chapter XXXX Bankruptcy ( filed XXXX ) - were discharged as debts and should not show on my credit report. Court says I no longer owe these bills - therefore they do not exist - all were listed on the bankruptcy. 
1st issue - XXXX XXXX XXXX for XXXX XXXX assigned XXXX for {$36.00} - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report.Should be deleted. 
2nd issue - XXXX - ( XXXX ) assigned on XXXX - removed this information when they received the dismissal by the Bankruptcy Court - in speaking with the person overseas whom I could not understand I was asking if this had been removed and they said it was no longer listed on my report. Without my asking and without my knowledge this person disputed this bill thereby requiring a respoce from XXXX XXXX - thus what had been dropped from my credit report now shows again - thanks to the incompetency of the Equifax employee. 
3rd Issue - Merchants XXXX of XXXX - date assigned XXXX ( incurred XXXX - XXXX XXXX ) - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted. 
4th issue - Judgement dated filed XXXX - XXXX XXXX - case # XXXX - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted.
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (VA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : 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 2020-06-27
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: Experian Information Solutions Inc. (GA)

These accounts DO NOT BELONG TO ME!!! 

XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$460.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  Opened XX/XX/XXXX Balance {$500.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$830.00} XXXX XX/XX/XXXX Balance {$400.00}
Consumer complaint received 2015-05-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (LA)

On XXXX XXXX, 2015 I was in an accident where my car was totaled by the other party. The insurance company as well as I have been requesting documents from Ally Financial to send so they are paid. I have called every other day since finding out that car was totaled and what was needed for the insurance company to issue payment. Ally has sent the documents twice with the wrong information which is baffling to me because I was on the phone when the Ally rep repeated the correct amount to the insurance agent. I, along with an insurance representative spoke to a representative for Ally on Tuesday, XXXX XXXX, 2015 and we were told that it could be another week before they receive the proper documents. This alone poses another problem because interest is accruing during this process and my Gap insurance ca n't payout until the insurance company pays and the insurance company ca n't pay until they receive the proper documents from Ally. This has been frustrating and very time consuming with the numerous calls that have been made and the wait times to speak with someone. In addition to the documents being delayed an insurance rep and myself spoke with an Ally representative on XXXX XXXX, 2015 who knowingly lied about faxing documents and saying they would be received within an hour. The Ally rep was caught in the lie when the insurance rep asked her to verify the information and she could n't. This has made me believe that Ally is n't interested in closing out this account and surely not in a timely manner.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IN)

I closed my XXXX account on or around XX/XX/2024. XXXX generated a final bill on XX/XX/2024 with a due date of XX/XX/2024 in the amount of {$530.00}. 

TSI sent a debt collection letter on or around XX/XX/2024 demanding {$530.00}. 

Unless I'm mistaken, a debt collector should not be reaching out and demanding payment until at least after the debt is actually due. Furthermore, the full amount was paid to XXXX  on or before XX/XX/2024.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NM)

I received an email supposedly from XXXX XXXX charging me {$400.00}. I have never purchased antivirus. 
XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ago ) to XXXX, XXXX : me Thank you for your order, Here is your details INVOICE ID Product Details XXXX XXXX XXXX XXXX XXXX Security Order Summary INVOICE NUMBER : XXXX Issue Date : XXXX XX/XX/2022 Finish Date : One year from Start Date Payment Mode : Auto debit from account Status : Completed Item Title Quantity Total XXXX XXXX XXXX XXXX Security ( XXXX ) XXXX {$400.00} USD Sub-total {$400.00} USD XXXX XXXX Total {$400.00} USD If you wish to not to continue subscription and ask for a REFUND then please feel free to call our Billing Department as soon as possible. 
You can Reach us on : XXXX ( XXXX ) ( XXXX ) XXXX - Sincerely, Billing Department
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I have a loan with US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and US BANK with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-06-25
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. (FL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX, 12 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-22
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: CITIBANK, N.A. (OH)

CITIBANK NA., BEST B Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX - XXXX Inquiry : XXXX XXXX, XXXX XXXXelephone Companies
Consumer complaint received 2021-02-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc. (TX)

This is my second approach to resolving this matter with Carmax. I sent a debt verification letter and they only responded with the contract. Pursuant to 15 USC 1692g, I am to be supplied with 5 items. Carmax has failed to supply all 5 of these items. I have also informed Carmax of SEVERAL FDCPA violations. The items I sent them they have sent back with a stamp that says returned. Carmax mentions not accepting the documents as payment. I was not attempting to pay. I am demanding proper validation of this debt. None of the information that i asked for was completed. Everything was completely ignored. I am feeling like I am being bullied and taken advantage of. I am a federally protected consumer and Carmax consistently violates my consumer rights and ignores me when I envoke my rights. I have attached the documents that I have sent to them. I am the original creditor and this debt was paid for when I gave my " credit card '' number to them.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have reached out to Equifax over 10 times, trying to gain access to my personal credit account and to place a security freeze on my personal account. Each time I contact Equifax they advise me to send proof of my SSN, name and date of birth. I have provided this information over and over. Over 6 months ago, I just want access to my personal credit account and I need a security freeze placed immediately to avoid fraud. because my account is blocked at the equifax.com website they will not allow me to submit the request to freeze my credit