davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Changed my address with usbank ReliaCard on XX/XX/XXXX, they in turn locked my card, without telling me. I called on XX/XX/XXXX, was told to fax drivers license and change of address card, I did, called again on XX/XX/XXXX, was told too dark refax I did, called again on XXXX was told it takes 5 days to read fax, I waited, called again, was told it takes 7-10 business days to read fax, I wIted till day 10 ( when I received a letter in mail from card services in XXXX Fl saying change of address was processed on XX/XX/XXXX ) they told me we still need to read fax, it could take 7-15 businesses days. Here I sit, 19 days later with no access to my funds. They did not protect me or my account when someone changed routing info back in XXXX and stole XXXX dollars from me, but they lock my card because I change addresses
Consumer complaint received 2017-08-01
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. (AL)

I have several accounts in which I paid for less than the full amount in which I was sent form XXXX. XXXX, XXXX XXXX, XXXX, XXXX, and these accounts should n't be on my credit report I 've tried on three occasion to dispute these charges but XXXX XXXX and Equifax wo n't budge only saying that they are verified in which they are not
Consumer complaint received 2016-08-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Whenever I have a credit card someone uses it and the balance gets out of hand. The ending balance is usually twice the purchases I made and these include fees and interest. On all my credit cards I asked the companies to provide a reconciliation statement, how much principal, how much interest, how many fees and not one company gave me a statement. XXXX is notorious for identity theft. I tried working with these companies when the balances shoot up and use my skill in accounting ( took a college class ) and they WANTED me to ruin my credit. XXXX is behind this, I believe. We bought our house XXXX XXXX XXXX, XXXX XXXX with perfect credit and XXXX told me I had to go to XXXX of XXXX. They stood looking into our room and said, " This is very unusual, '' and managed to take over my accounts for the rest of my life. They have some kind of credit watch on my accounts and whenever I get a card they use it. Now I am hearing from Portfolio Recovery Associates on the phone every day. They call and do n't leave a message. This time I got the person 's name and number. I want to send them my phone bills for a year for this harassment. I pay for my phone and not for them for their business, crooked as it is. They should be arrested. Just now, XXXX XXXX a woman called just after XXXX. She said her number was XXXX. I want to dispute this on my credit report because the only way I knew to stop the identity theft was to stop paying my accounts to stop the thieves, thus ruining my credit.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malen & Associates, p.c. (NY)

I am receiving frequent and repeated calls from a robodialer during lunch and dinner. At one point even being called around XXXX XXXX. the calls are from multiple random numbers and have multiple random messages with each call. The automated dialer will call three or four times and come from multiple different numbers.
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NC)

LoanCare LLC is illegally holding my escrow funds. After paying XX/XX/XXXX taxes due of {$3500.00}, as of XX/XX/XXXX, they are illegally holding almost {$8000.00} in escrow funds. I have repeatedly contacted this company in writing and by phone. I have talked with supervisors. The companys employees are complicit in this illegal activity, as I have been disconnected, and told a variety of lies and excuses as to why they can not process my request. I have consulted with an attorney, and have confirmed this activity on LoanCares part is illegal. I will also note their rating and reviews on XXXX  are horrific.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Went on the website to try and make a payment on my account and it was closed. Chase Bank said that someone tried to make a payment on the account already and it was therefore closed. I 've been with the Chase since 1999 without ever being late. Please help me resolved this issue. I would like to resolve this issue by getting the accounts back open.
Consumer complaint received 2018-03-30
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: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/2017 All listed below are the rest of the agencies that ran a credit report without my authorization from XXXX XXXX XXXX. One agency was able to prove that another person was using my Social Security number. Other agencies I have contacted have resolved this matter except these agencies listed below.

Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no clue about these agencies and sure enough never got a letter from these places to why they are on my credit report. All dates leads back to XXXX XXXX XXXX ran on the same day.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc. (NV)

Continue to get phone calls and letters threating legal action from  Collection Bureau  of  the Hudson Valley.   XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . Phone #  XXXX . The listed creditor is  XXXX  which advertised a scam service in my area offering internet and TV services they could not provide. They offered 30 free service at no charge or installation fee and cancellation at any time. I cancelled the service after 2 days because it was not what was advertised and did not work at all. I returned the hardware myself on the 3rd day and got a receipt. Notified  XXXX  that the service was not what what was advertised which they admitted saying that they  may  have the advertised service in my area ib years to come.  XXXX  agreed there was no charge for trying the service.   The collection  Bureau   of Hudson Valley is operation a fraudulent scam and I demand that you stop them and penalize them with monetary damages at the very least.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : COLLECTIONS XXXX XXXX  XXXX XXXX XXXX XXXX {$100.00} not mine XXXX XXXX XXXX  XXXX  XXXX  XXXX {$990.00} not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2018-03-30
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: AES/PHEAA (NY)

I was late/not up to date with my student loan payments for a period - 90 days. A deferment/forbearance was granted and applied retroactively covering the time frame i was late on my payments.

Section 623 of the Fair Credit Reporting Act governs the responsibilities of furnishers of information to consumer reporting agencies. Specifically, Subsection 623 ( a ) ( 2 ) imposes a '' [ d ] uty to correct and update information. '' This deferment has changed TWO things. First it has brought the account up to date and current on payments. As a result the account is no longer delinquent.

Second and most important the lender 's records now show that my account is current on payments for the periods that include previously reported delinquent periods. Now this is key. It is important to note that as of now with theupdatedinformation your account is current with the lender. It is no longer delinquent because the deferment was applied retroactively.

As a result the furnisher of information has a duty under Section 623 ( a ) ( 2 ) to provide thisupdatedinformation to thecredit bureauand credit bureauis obligated under Section 607 ( B ) to report thisupdatedinformation on the consumer 's credit report.

XXXX   agent tried to argue that i was in fact late therefore that information is accurate. However i reminded him of their obligation pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information.

XXXX failure to understand that their current records show that the periods that were initially reported as delinquent are no longer delinquent due to the retroactive deferment.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Professional Debt Mediation, Inc. (TX)

on credit report its says XXXX XXXX XXXX which I have never lived or been associated with at all I lived in the apartments next door XXXX XXXX and they refuse to answer anything or delete it my next step I will be pursuing legal action if this is not removed within 30 days
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

PayPal denied my claim AFTER negotiating a full refund. I bought a product via a XXXX ad that was misleading in its advertisement. I initiated a resolution with PayPal when the seller ignored communication. The resolution through PayPal resulted in the seller agreeing to a 100 % refund, upon receipt of the item. The item was shipped back via XXXX in accordance with PayPal 's instructions. I was unable to upload the tracking info due to a mysterious 'login error ', but the package was delivered prior to the deadline. After the deadline had passed, I was mysteriously able to log in again, and provided the tracking info, but PayPal had already closed the case. I have requested an appeal of the timing of the decision, but was told that the item never arrived. The tracking number shows delivery, so PayPal must have believed the word of the misleading seller. Interesting.
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 — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

XXXX the XXXX XXXX I opened a dispute, they said they changed my account to being in forbearance, I called them and they stated that they didnt see why it would be coded as that but they couldnt corrected it right now. I am trying to buy a home and I cant because of this terrible mortgage company. I feel as if they re retaliating against me for contacting CFPB and XXXX  because of their tactics. I asked to speak to someone that can make decisions and they WILL NOT LET ME speak to anyone else. Also when my mortgage was bought I had a XXXX dollar inspection fee from them to which was charged before they owned my account. This company is like dealing with a little child I can not get any information from them to help. I have not given written consent nor verbal consent to put account into forbearance as I have been paying my mortgage. This company has to be stopped they are messing with myself and many other families.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

A purchase was made to XXXX in XX/XX/XXXX for a XXXX XXXX tour while vacationing in XXXX. The tour guide never showed up! I filed a complaint with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX when I pulled my credit report I saw that on my XXXX credit report Chase was listing my credit card as " Delinquent ''. I have NEVER missed a payment and always paid my bill earlier, and make MULTIPLE payments per month. I called and was told that they were n't listing it as delinquent but that I had a claim open. I confirmed I have a claim open but it was due to a transaction NOT a credit reporting. I was told they would notify XXXX and the call ended. In mid-XX/XX/XXXX I received a notice from Chase Card that they appreciated me validating my claim for XXXX was accurate. I NEVER confirmed it was accurate cause it was NOT. I called back and was told that since it was closed by the specialist it would be re-opened and I would receive a letter in 3 days. It has now been a month. I am furious and disgusted with this type of treatment. The charge from XXXX in the amount of {$72.00} is not valid because I never received the tour as the tour guide never showed up. On top of that, you all are reporting me as delinquent when I am not, and never have been!
Consumer complaint received 2017-08-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I submitted a Pay As You Earn Repayment plan for my loans on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I submitted proof of income via regular mail shortly thereafter. The servicer in question, FedLoan Servicing, has not put me on this repayment plan even though they claim I am eligible. To have my application for XXXX considered, the servicer told me via phone last week, I must make a $ XXXX payment. I can not afford to do this! Since talking to the rep over the phone, the amount the servicer is requesting was increased to {$2200.00}, when my monthly income is only {$1600.00}. I am a full-time employee of the federal government and I have been trying to get on a reasonable payment plan so I can qualify for XXXX XXXX XXXX XXXX. 
Please note that I have other outstanding student loan debt with XXXX, XXXX, and XXXX.
Consumer complaint received 2020-09-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Partners, LLC (CA)

Received mail from a P.O. Box from XXXX, MI Saturday XX/XX/2020 that stated 'Driving License Suspension Request/Claim Settlement Offer ' from Recovery Partners LLC ( Arizona company )  stating I did not have valid insurance or provide valid proof of insurance on my vehicle during an minor auto accident which occurred XX/XX/2020. The statement made by Recovery Partners LLC is  absolutely FALSE. Recovery Partners LLC notice of claim settlement stated I owe {$2000.00} and they will contact the DMV of residence I live in ( CA ) to have my license suspended. Recovery Partners said if I pay now to resolve the settlement in full of {$2000.00}, they will give me a 'savings ' of {$680.00} or pay full amount at {$2700.00} by payment plan. 

Accident has already been settled by my insurance and her insurance early XXXX ( XXXX Select-the company that said Collections Agency they are collecting debt on behalf of ). I had insurance and have all proof of insurance. Both insurance companies have already taken statements and the case has been closed. I did not receive any estimates from collision companies, cases/judgements, subpoena to appear about accident, or any contact from the other party in accident or their insurance XXXX or anything regarding further actions involved in said accident stating the specific amount that Recovery Partners LLC states that I owe. I recieved a final case closure/determination notice from my insurance XXXX and other party insurance XXXX sometime ago early XXXX, nothing stated any amounts owed or anything of that nature. I did have insurance at the time of the accident however and have evidence to prove such. 

I will be contacting her insurance XXXX Monday XX/XX/2020 with the claim number provided by Recovery Partners LLC to ask if this is true and if they work with Recovery Partners LLC and why didn't I receive additional info in regards to any amounts owed or due.
Consumer complaint received 2020-06-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac Loan Service has the mortgage on my VA Home Loan. I applied for a VA refinance loan on my home ( at the VA rate reduction refinance loan ). It has been over 42 days from date since I had submitted my VA Home Loan refinance application. 

PennyMac title and escrow company that is handling the closing of my VA Home Loan refinance application request the following documents from me to close escrow : 1 ). Owners policy of title insurance from the title company who handled your purchase. 2 ) Certificate of completion from the builder. 3 ). Warranty of completion. 

PennyMac have the mortgage of my VA Home Loan. I have experience a problem with my loan application with the escrow company who is handling the refinance of my VA Home Loan ( mortgage ).
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.
Consumer complaint received 2018-03-30
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. (TX)

IM A VICTIM OF ID THEFT, THERE ARE SEVERAL ITEMS ON MY REPORTS THAT IS NOT MINE OR I HAVE ANY KNOWLEDGE OF, I HAVE MY POLICE REPORT SENT IN ALONG WITH MY COMPLIANT FILE, PLEASE REMOVE IT ASAP ... ITS AFFECTING MY CREDIT. I CAN BE REACH AT XXXX ( CELL ) I CAN BE REACH AT ANYTIME ..POLICE REPORT NUMBER # XXXX XXXX ALSO SENT HARD CARD OF POLICE REPORT TO CREDIT COMPANY
Consumer complaint received 2018-07-11
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: JPMORGAN CHASE & CO. (IL)

I recognized that XXXX XXXX submitted unauthorized inquiries my credit for finance 16 times on XX/XX/2018. 

Chase Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger. 
I spoke with XXXX on three occasions and asked that XXXX XXXX remove the inquiries. 
I Contacted Chase Auto finance. 
They refused. 
It was very unfair that they did that. It lowered my credit score by 200 points.
Consumer complaint received 2023-01-28
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

The company PHOENIX FINANCIAL SERVICE is reporting to the credit bureaus that I owe debt on three accounts ( Account # XXXX, XXXX, XXXX ). I sent Phoenix a letter requesting validation and proof of the debt on XXXX XXXX, 2021 but I have not heard anything. They are still reporting that I owe even though they haven't provided me with any information nor have the responded to my letter. I do not believe the debt they randomly put on my report is mine. 

This is causing me undo stress and frustration. It is also impacting my ability to get lower interest rates. I have attached a copy of the letter I sent them.