davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates , LLC is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (DC)

The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX on behalf of XXXX. XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ).
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Medical Data Systems, Inc. (SC)

I was contacted by Medical Revenue Service on my job about 2 weeks ago. Advised representative to not contact me on my job. On XX/XX/2017 XXXX called my job. I contacted them back and spoke with XXXX, told him to please do not call my job.. He stated that when they receive a new bill that 's what they do. Because they do n't know not to call.But he did waste time telling me about the old bills. XXXX said, the time I waisted to tell him not to contact my job, I could of taken out my debit card and pay these bills. Started yelling at me, that I needed to pay my bills and I was n't listening and he will disconnect the call.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX B XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

They did not send me my full escrow balance after I refinanced, they literally sent me a check for XXXX bucks, when I had {$5000.00} in my escrow account. According to my Amerihome account, they sent me the full escrow, which they did not. Secondly, they deducted a {$200.00} mortgage premium payment AFTER the loan was paid off. So, they actually owe me {$5200.00}, because they already deducted XXXX premium in XXXX and the mortgage premium for XXXX was already paid at closing. Of course, they don't even have anyone I can speak with regarding this matter, their reps insist that I send an email, which I did, however they literally take 30 days to respond to them. Therefore, it will be quicker for me to take this up in small claims court, which I will do if this full check in not in my possession by the end of this week. I have uploaded a screenshot of my escrow balance, as well as the check they sent me.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hi there, Sub : XXXX XXXX XXXX XXXX  XXXX causes trouble for my personal checking account. 

XXXX has been my bank account for many years. The recent merger and move of my accounts to XXXX XXXX  has been fraught with problems. For a start XXXX XXXX  has high charges for maintaining an account with them. 
I am trying to close the account. The related problems I face unable to close cause great mental duress. I am unable to contact any customer service personnel to speak or go to a branch, since they closed the branches near me. 

Their customer service help line is non existent. I spent more that 3 hours listening to music. I am anxious that they will keep charging me a maintenance fee for no service. 
Please assist me in closing this account. 
I will be glad to provide additional details as required.
Consumer complaint received 2016-11-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates has reported an alleged debt with XXXX bank, with whom I have never done business, on all three credit bureaus. They never communicated with me ahead of reported the alleged debt, nor have they provided a means to contact them, never gave me an opportunity to dispute this debt prior to placing it on my credit reports, or otherwise. Further, when I disputed this with the credit bureaus, they fraudulently confirmed this debt to the credit bureaus, despite this not being my debt. ( As I said, I have NEVER done business with XXXX in the past ). There are multiple violations of the FDCA, to my understanding, and I must insist they remove these fraudulent reports from my credit report immediately. I refuse to contact them directly, because in my research, Portfolio Recovery Associates has repeatedly asked the alleged owners of debt to " verify '' information such as name and address, which PRA does not have, in order to say, " well, our information matches, this is your debt ''. Thus, I summarily refuse to interact with the perpetrators of institutional fraud! 

I had suffered identity theft several years ago ( to wit, I still have a fraud alert on my credit bureau reports ), and I can only guess that this is Portfolio Recovery Associates trying to extort money from me as a result of that identity theft.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

I was send to collections because of two unpaid medical bills I received a while back. 
I received the bill late because the post office was slow due to the pandemic and also they sent it to the wrong address. These medical bills was paid. I had XXXX in 2020 and had received more than one medical bill. Hospital, doctors, surgery and so on ... once I received the bill in question, I thought it was part of the other ones. I ended up paying it but they sent me to collections and my scores decreased by XXXX points. They have two different accounts on my reports with the same amounts of {$130.00} totaling {$260.00}. I need these removed from al three credit reporting agencies. I work for the Government and can not have a low score. I never had any collections in the past and my scores was over XXXX. Now it dropped down to XXXX. Also with the CaresAct collections are not allowed to report negative accounts due to the pandemic. Read below!!! 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. 

The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act. 

The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2019 I receive a letter from Portfolio Recovery Associates, LLC alleging that I owe them a debt for {$6200.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( PRA ) LLC any amount please show agreement that I owe. ( PRA ) LLC receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

THEY SENT ME A SUMMONS TO SUE ME IN CIRCUIT COURT AND I TRIED TO EXPLAIN TO THESE PEOPLE THAT IT WAS NOT MY DEBTTHAT SON HAD DONE THIS AND WOULD THEY SEND MY A COPY WITH MY SIGNATURE ON IT SHOWING I HAD MADE THE PURCHASE AND THEY SAID THEY DID NOT HAVE TO THAT IT WAS ALREADY VERIFIED.
Consumer complaint received 2020-10-17
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. (TX)

The Accounts on my credit report XXXX  XXXX XXXX  XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX are fraudulent account i will attach an FTC report to this complaint and a copy of my identification and a bill with my current address
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. Collections West, Inc. (CO)

I have made several attempts to obtain documents validating this debt from US Collections West. This debt is not valid, & I am not responsible for charges. US Collections West is being uncooperative and unhelpful in getting this resolved. I 've also gone as far as to reach out to the owners of the XXXX that managed the complex this debt derived from and have not received any assistance from them either. I 'm being held hostage credit worthiness-wise by this invalid debt and this is hindering my ability to rent or purchase a home rendering me practically homeless yet no one will help me resolve this.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have sent several letters to Equifax disputing items on my credit file that do not belong to me. The Inquiries was XXXX of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.
Consumer complaint received 2020-04-09
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. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Columbia Recovery Group LLC (OR)

On my XXXX it shows Columbia recovery group has an open account in collections for me for XXXX XXXX apartments. The account was discharged and satisfied from bankruptcy. It is still open and affecting my credit score.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

XXXX has listed the same account on my credit with different balances. 
Paid off - Balance {$7100.00} Balance updated XX/XX/XXXX Original balance -Nissan Motors Acceptance Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$7100.00} Original balance - Then they have the same account listed with " XXXX '' balance Balance details Paid off - Balance {$0.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan I have disputed this several times and nothing as been done to fix the items
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC (VA)

I have a car loan with GO Financial, which I had set up on auto pay. I paid my bill early using their XXXX service. The transaction went fine and my card was debited the correct amount. Upon returning to my account page, it told me the payment succeeded and that my account wo n't be charged again until XX/XX/XXXX. This morning, I find that is not the truth. They debited my checking account for the car payment a second time. You can see on my account page that this is the case. I called this morning to let them know they had billed me a second time and to ask they refund the second payment. The gentleman on the phone acknowledged he saw the two payments. He offered to apply the second payment to XXXX or as an additional payment. I told him that I wanted it refunded to me. I was then told that it would take three weeks to process my refund. When I asked for a tracking number, I was placed on hold for nearly ten minutes. The agent came back on the line now saying that I needed to provide bank statements showing that the payment had been debited, and would not give me a tracking number for my refund request. I asked to speak to the supervisor, and she told me that I needed to prove the money was debited from my account -- even though their website clearly shows both transactions.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

( 1 ) The quick and dirty is my house was foreclosed on in XXXX. In XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XXXX, in part, because I was still on XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XXXX this year, in XXXX XXXX, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.
Consumer complaint received 2015-08-31
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (IN)

I have asked for written correspondence from Performant Recovery instead of all the phone calls, which is handling my student loan. I contacted this company about a repayment plan on my student loan, ( but I was still sending {$30.00} per month ). I 've faxed and mailed XXXX now to XXXX XXXX all the information needed to arrange payment since XXXX 2015 only to receive phone calls from from another agent from Performant Recovery. Stop calling and put it in writing. In the meantime Performant Recovery keeps adding fees to the account. Is this fair?
Consumer complaint received 2015-09-26
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (SC)

co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions.