davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery has three debts that are not mine. I have asked for the purchase agreement multiple times and they have tired to 2 weeks ago to garnish my gases on one the was over the statue of limitations, they have changed the dates and the amounts of debt that they say I owe. I have paperwork from XXXX XXXX, stating that in the investigation that was made, they found that this account was not mine, and it was to be removed and deleted off all my credit reports. XXXX is the only credit report that shows I have no collection due to again them trying to change the dates from XXXX to XXXX when they purchased the debt. I have communicated with both the debts before they were bought, and they both Say the last payment was made, in XX/XX/XXXX and with a totally different balance than what they have on their accounts, there is one account that the people went bankruptcy, so I am not able to speak with them, but the name is not my name my last name and they will not change anything. I dont understand why we dont have more rules for these agencies or help for the people that they are trying to push around
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX/XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper 's ( Nationstar Mortgage LLC ) claims they are legally required to only accept cashiers checks of wire transfers to pay of a mortgage. I requested to pay off a loan with a remaining balance of XXXX with a personal chaeck and told them I was willing to waint until the check cleared for the pay off to be finalized. I also told them that my financial instituion requirres me to travel to a distant branch office to obtain a cashiers check or wire transfer. I explained that my health and the current covid crisis prevents me form such travel and entering the branch office. 
I even aslked them to cite the law that is the pretext for not accepting personal checks and they referenced the feeral laws requiring institutions that requie reporting of 10000 transactions. When I pointed our that this law is a reporting obligation no t a prohibition, they then admitted that the restriction is a Mr. Cooper 's policy. 
My first complaint is that Mr. Cooper ; s continues requiring me to pay interest on a loan that I have made every reasonable effort to pay off. My second complaint is that Mr. Coopers is not making reasonable efforts to accomodsate cutomers affected by the Covid crisis.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ProCollect, Inc. (NV)

On XX/XX/2024 I sent a dispute letter to ProCollect stating that I have to date received any proof that I owe their company any debt and requested that they forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If they're unable to provide me with the proper proof then they must stop attempting to collect this alleged debt and remove it immediately from my consumer report. If they continue to claim I owe a alleged debt that they can not confirm with proof ( original alleged contract bearing my signature ) then they will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

They have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts I gave them up to 30 days to respond and informed that i will file a complaint with the XXXX  which I did. ( see attachments below ) On XX/XX/2024 I made a complaint with XXXXXXXX Case ID # XXXX ( see attachment below ) stating I am not liable for this debt with Pro Collect, I do not have a contract with Pro Collect, they did not provide me with the original contract as I requested. Please remove from my credit reports. And since the complaint has been filed the company has responded twice on thus far, still demanding this debt of {$980.00} be paid in full from original creditor ( XXXX XXXX  ) over the phone by credit/debit card. Procollect claimed they will mail proof of the debt to me on XX/XX/2024 and I haven't received such proof still. 
I responded on XX/XX/2024 informing them once a debt has been sold to a 3rd party collector, the creditor can no longer collect on that debt. XXXX XXXX  sold my debt to a collection agency ( ProCollect ) without my consent, I disputed this and no longer have to pay this debt. Pursuant to the Fair Debt Collections Practices Act 15 US Code 1692 I also informed them Pro Collect is not licensed in the state of Nevada to legally collect any debt, according to nmlsconsumeraccess.org ( see attached PDF for proof ) It is illegal to be sued for failure to pay debt because the contract with the original creditor was a contract of adhesion. Contracts of adhesion are considered unconscionable and are not enforceable. UCC & 2-302
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-04-29
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. (FL)

Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, XXXX XXXX XXXX XXXX pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

Please help me XXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (FL)

Im getting repeated phone calls from a XXXX XXXX collector I don't recognize. Or Know that I owe a debt to. The Company has not been leaving voice mail messages as I let it go to voice mail. They did finally send me a SMS message that stated this : " XXXX XXXX Please Contact XXXX immediately in regards to your CASHNET account that has been placed in our office. This is an urgent Manner ; please contact us for settlement or new payment arrangement offers. Please call XXXX Refer to XXXX. This communicate is from a debt collector. Text STOP to opt out. " Sent SMS on XX/XX/year>.
Consumer complaint received 2020-08-19
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. (NE)

I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (CA)

Keep getting repeat emails from Resurgent. I have no idea what the debt/collection is about, it's not mine. Called them on XX/XX/2024 and got nowhere. They want personal information that i won't give out over the phone.
Consumer complaint received 2018-06-14
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: EQUIFAX, INC. (TX)

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX, and Capital One have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 

Hard Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-to-date info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, XXXX, showed up in 2 data  breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX XXXX, originally incorporated in the state of XXXX, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses, all of  which was used as part of an enormous spam operation. Once, de-duplicated, there were 393 million unique email addresses within the exposed data. Not Disclosed The name of this breach hasn't been shared publicly yet. This usually means it's part of an ongoing investigation, or the site could be considered controversial ( and it's hidden to respect your privacy ). Either way, your info is still exposed and you should take steps to protect yourself.
Consumer complaint received 2020-04-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MD)

In XX/XX/XXXX, we signed and agreed to a loan modification with our then current mortgage company, XXXX XXXX, to reduce our monthly mortgage payment from {$2400.00} to {$2100.00}. In XX/XX/XXXX, XXXX XXXX transferred our mortgage loan to LoanCare , LLC ( XXXX XXXX XXXX ) without our approval or consent. We received a letter from XXXX stating that the transfer will not affect any of the terms of our loan, however, our monthly mortgage payment has since increased to {$2200.00} and continues to increase every few billing cycles. Also, LoanCare , LLC imposes late fees after the XX/XX/XXXX of every month and charges payment fees to pay by phone or pay online. We currently have approximately {$570.00} in fees owed to LoanCare , LLC. 

We have tried to reach out to LoanCare , LLC and they said will not retract the fees and they will not return our calls about the monthly increases. Also, we called XXXX XXXX and since they no longer service our loan, they would not help. We are deeply troubled by the effects of what has happened in the last 12 months and are seeking to get this resolved and/or receive restitution. 

We believe XXXX XXXX AND LoanCare , LLC should take responsibility for manipulatively changing the terms of our mortgage loan. During the modification with XXXX, when we agreed to lower the payment, we were 6 years into our 30 year loan, but the modification of the loan started a new 30 year life of the loan.So we had lost 6 years of our loan term to modify to a lower payment, only to have the loan be transferred to LoanCare , LLC in which they increased the monthly payment and imposed more fees. I think this is unethical and irresponsible of any mortgage bank entity.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/2020 my XXXX XXXX account was compromised and this resulted in my XXXX account being charged. When I went to dispute the charge to Wells Fargo I noticed there wasnt an option to do so. Due to me not using my Wells Fargo account any more the balance was {$0.00} and this charge caused an over draft.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

Upon learning of a fraudulent account opened under my name, I contacted Wells Fargo multiple times. In person at a branch and over the phone and Wells Fargo continues to allow fraudulent activity! 
I have filed paperwork with Wells Fargo I have filed paperwork with credit bureaus and police departments. 

There is an internal worker of Wells Fargo that is assisting with the fraud under my name. Not only have they continued to contact me but my information in system has been changed also!
Consumer complaint received 2020-04-29
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (PA)

On XXXX XXXX i deposit a check through the drive threw. {$1300.00} and XX/XX/XXXX through mobile app, i deposit {$1300.00}. on XX/XX/XXXX, key transfer a automatic {$1000.00} to my XXXX XXXX account. XX/XX/XXXX check for {$1300.00} was a charge back. ( which I didn't find out about until XX/XX/XXXX. ) XX/XX/XXXX {$300.00} transferred to my XXXX account. XX/XX/XXXX XXXX overdraft fee charged me 2 times. XXXX  XXXX XXXX returned item charges 2 ntimes XXXX XXXX XXXX charge back fee. XX/XX/XXXX I deposit money back into the account. Spoke with a key employee at the 1800 number and local branch. Both said they could do nothing. and coulld not gaurentee anymore charges would be charged to my account. I was told to call local manager on tues XX/XX/XXXX. I did and she couldn't help me either. I asked For just no double charges and she said no. 1 key bank - this isn't the first time I recieved charges when I don't believe it was my fault. I was scamed this time with a myster shpopper scam. 2 mystery shopper scam. thank you XXXX XXXX XXXX
Consumer complaint received 2020-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MT)

In XXXX of XXXX I locked my credit report and received a letter from Equifax describing how to unlock the credit. They have changed the process without noticing me and now I find out that I am unable to unlock report without sending them additional information and wait an unreasonable amount of time. They were unhelpful on the phone today ( XX/XX/XXXX ).
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group (OH)

I sent a certified USPS letter to Account Adjustment Bureau ( letter attached ) requesting items from the to prove the validity of this debt. They say I owe them {$4000.00} and have inserted this item on my XXXX XXXX Credit report on XX/XX/2019. 

I have no knowledge of this debt and needs to be removed immediately from my credit report as under the fair debt collection act while being disputed for unfounded collections. 

Is Account Adjustment Bureau even licensed to collect debts within my state?
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NV)

I have a loan with XXXX/XXXX. 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, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX.
Consumer complaint received 2024-05-10
Product: Credit 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. (TX)

I have a merchant who was authorized to provide a service to replace my tire on the side of a highway and they did not provide this service. Instead the towed me to a tire store to pay for the tire replacement and they are charging me {$460.00} for a tow - even though XXXX has a cap on how much they can charge ( which is considerably below the {$460.00} fee that chase refuses to dispute ). 

Chase is very difficult to deal with in this issue due to me " clicking approve '' for the tire replacement service being approved- which wasn't what the company provided as an output. Chase and this vendor are XXXX!!
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I cant even explain all this OK what happened was this my account was in the positive I didnt even have a card because I told them they were unauthorized charges and then I got a new card my card was in the positive and then I got a new card I havent use the account since that. The new card came and Im - {$120.00} then I havent use the account since then then all of a sudden its now - {$550.00} then today it was XXXX some dollars it doesnt make any sense and Ive lost hundreds of dollars on this Chime account and I need help and I dont know how to get a hold of anybody Ive contacted them and I get no reply