davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I file a dispute in the regards of incorrect items on my credit report. I was ask to give 40 days which has been well over the grace period asked.
Consumer complaint received 2021-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax : XXXX ATTENTION PORTFOLIO RECOVERY ACC #  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-20
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: EQUIFAX, INC. (PA)

The Equifax security breach is a horrible act of neglect on their end, and being affected by this has caused me to waste hours of my personal time in an effort to see if I 'm affected ( at best ), and may result in personal damages to my financials ( at worst ).
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gravamen Asset Management Group LLC (NY)

A family member received a call asking for me, but by my maiden name that I no longer use. My family asked who they were speaking with, but they would not identify themselves. They only provided a phone number with a docket number to call back. When I received the message I called the number and was transferred to a civil litigation department and spoke to someone named XXXX XXXX. He informed me that I had litigation again for a debt from XXXX Bank. I informed him that the information he had was not valid and he proceeded to tell me I was lying. He told me that he was going to sue me, garnish my wages, and take my tax return and stimulus check from me. I told him he was threatening me and it was illegal. He then told me he didn't need to talk to me anymore and hung up the phone. I called back and spoke with his supervisor XXXX XXXX who told me that he would speak to him and apologized for his behavior. I called back again to confirm the company name, and the person who picked up the phone refused to provide the company name and hung up on me.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/2020 a collection reported on my credit report. 
A Letter sent was sent me, PortFolio Recovery Associate added a derogatory mark on my credit report. Per XX/XX/XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, Portfolio Recovery Associate has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Federal Adjustment Bureau, Inc. (OH)

On XX/XX/2019 a collection was reported on my credit. 
No Letter sent were sent to me, FABCO added a derogatory mark on my credit report. Per XX/XX/XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, FABCO has violated my rights as a consumer and I am requestion legal action to remove this account immediately.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with HSBC back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the XXXX credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (CA)

I applied for a loan modification with Chase Bank on XX/XX/XXXX as our ARM is set to increase from 3.375 % to 8 % on XX/XX/XXXX. I sent secure messages via the Chase website on : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX. I have called Chase more than 12 times in XXXX, XXXX & XXXX. Today, XX/XX/XXXX, I was on the call for XXXX minutes when I was disconnected. Chase keeps claiming that I have not uploaded the documents they asked for, but when I get a representative on the phone, that person is able to find the documents on the Chase portal. 
I receive conflicting information from different representatives ( one says I need to pay a fee for mortgage modification, the next one says I don't. One says I need to pay for an appraisal, another says that I won't be charged ). Chase is delaying and obfuscating this process which will force me into default. I can not get ANYONE at Chase to look at our file and process a loan modification. I need help from the CFPB before we are in default and our credit is adversely affected from Chase 's mismanagement.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

ERC was not the owner of this debt. I paid this debt in full with XXXX the owner of this account on XX/XX/XXXX. Confirmation number # XXXX. I was told by the resolution supervisor XXXX that the account was owned by XXXX and by paying the account in full the collection from ERC would be removed from my credit report as ERC is a 3rd party collection agency and NOT the owner of the account.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a fraudulent auto loan reporting on my credit that I did not apply for nor give anyone else permission to do so. I have never conducted business with this particular company under no circumstances. Someone apparently has gotten a hold to my personal information and took it upon themselves to conduct frivolous activities. I have reason to believe that I am a victim of identity theft based on the evidence I have gathered.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Bureau is reporting a 90 day late in XX/XX/2018 on ( XXXX/Dept of ED ). 
How can this account be 90 days late when it was on time the month prior. This is an inaccurate reporting. Please remove the 90 day late from my credit file and update this account to open, never late.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I have reached out to Ally Financial on a number of occasions. They have not applied the 2 missing payments of {$400.00} to my account : XXXX. I have sent the facts from my bank report and the representatives/managers in the asset recovery department are disconnecting my calls without resolving the issue. The dates for the missing payments are XX/XX/XXXX and XX/XX/XXXX. The outstanding balance is incorrect and they are reporting inaccurate information to the major credit reporting agencies.
Consumer complaint received 2017-09-20
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. (FL)

I have filed multiple complaints against XXXX and Equifax regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently re-disputed the results of a previous dispute. I am finished disputing and want to go to court with all three major credit credit bureaus. The three are siding with the creditor rather than validating an official Federal document i have provided them showing the creditor either took advantage of my accident in XXXX by continuing to debit my monthly payments for a year on the lease car i was not driving or the 3 bureaus are posting false and misleading information to the general inquiries about my report. 
I returned the lease car on XX/XX/XXXX, The proof of that statement is on the Federal odometer reading document. It states very clearly the auto was returned to the dealership on XX/XX/XXXX. why does the creditor report last activity as of XX/XX/XXXX. They either debited my account for 1 year after the car was returned without my knowledge and then realized there was a mistake and deleted it XX/XX/XXXX. Why would I want to make payments on a car for a year after I returned it in XX/XX/XXXX when I was not driving it. 

Either that or all 3 bureaus are up to there previous tactics which they paid fines up to XXXX XXXX dollars to the Federal Courts in several states for providing false and misleading information regarding individual credit reports about thousand and thousands of individuals like myself. I was at there mercy then and still am. Now I am tired of dealing with them and my Attorney would like to see all 3 in a XXXX County courtroom in front of a judge to check the accuracy of there reporting. I have called them and I have emailed them and they will not provide me with a name, address, city and state to have them summoned to go to court I guess since Im not a creditor that pays the bureau to provide information whether it is correct or not means the the bureaus that are being paid will present the information whether or not it is correct I want to get this settled once and for all and then publicize the results and let other people know how they are getting ripped off by the 3 agencies XXXX XXXX
Consumer complaint received 2017-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NV)

This is not a duplicate complaint. In XX/XX/XXXX, i filed a complaint with cfpb ( Complaint # XXXX ) regarding my unsuccessful attempts to get PayPal to close my XXXX husband 's account and send me a check for the balance left in the account ( {$690.00} ). PayPal did respond to that complaint with a letter and a check. The check was made out to XXXX XXXX and the bank refuses to cash a check made out to a XXXX person. In a letter dated XX/XX/XXXX from XXXX XXXX XXXX, Operations Counsel, he noted PayPal had received my letter of XX/XX/XXXX,  requesting closure of the account and a check for the balance. He stated PayPal never received documents required to close the account. He seems to have missed the paragraphs in my letter in which I wrote of my repeated unsuccessful attempts to forward the documents by the FAX number given, and request for assistance in getting the documents to PayPal. 

In XX/XX/XXXX and XX/XX/XXXX, I made repeated attempts to reach XXXX XXXX. I left messages on his phone ( XXXX ) and his cell ( XXXX ) asking for assistance in getting a check issued in my name. I go no response. I wrote a letter on XX/XX/XXXX. Again -- -no response. See attachments.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Monday, XX/XX/XXXX I called to apply for a Bank of America Merrill+ Visa credit card and was told that my application required further review. I called later that day to follow-up and see if I could speak to someone about the application and they went through all of the disclosures over the phone and said I was approved for a {$5000.00} credit limit. I asked to move over {$7000.00} from an existing credit card account to increase the new credit card limit to {$12000.00} and that request was also processed. I saw the new credit card appear in my online banking list the next day and I was told that the card would be mailed out immediately. Two days later, I get a call from Bank of America to tell me that the credit card was no longer approved and that they were closing the account. I was confused because I was told that the application was approved and was given the credit limit. The manager XXXX XXXX went on and tried to explain that the application should not have been approved because I had enough Bank of America credit cards. I offered to close one of them in exchange for leaving the new Merrill+ card intact. I had not violated any of the terms and conditions of the offer of credit or even had a chance to use the new credit card, so it 's unclear if the justification that Bank of America provided for closing the account is sound or even legal. The application reference number is : XXXX
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (NM)

I initially filed a complaint with consumerfinance.govXXXX and following this TCF/Chemical Bank did close my loan on XX/XX/XXXX, but did not refund the overpayment or reach out to me with any type of communication. I sent a follow up email to customer service at TCF Bank : '' I am writing to bring your attention to an outstanding credit on this account that is still due. This property was sold on XX/XX/2020 and the payoff check was cashed by TCF bank on XX/XX/2020. 
I have reached out to TCF customer service multiple times and although no formal response was ever provided, the loan was finally closed with posting of at least a portion of the payoff check on XX/XX/2020. 
After the loan was closed, my TCF account shows a reversal of the previous mortgage payment + extra principal payment from XX/XX/2020, however, to date this reversal has not been credited to my bank account. 
As the attached ledger of my account and posted ledger of both my TCF account and bank account clearly show, TCF Bank still owes me {$1400.00} Im not sure if it is still possible to credit the {$700.00} to my XXXX account but as it has been over a month since the sale of the property and over 10 days since TCF Bank closed my loan, I am asking for your immediate attention to this matter. Please send a check for the outstanding balance {$1400.00}. If I dont receive clear evidence that the credit due has been sent to me by XX/XX/2020, I will follow up with a new complaint to the Consumer Financial Protection Bureau. Thank you in advance for your immediate attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Cell : XXXX '' I also attached both my TCF loan status and my own checking account status showing that my last payment had not been credited back as indicated on the TCF status. It has been a long time since I paid off this loan and at this point I am asking for your help in reaching out to TCF/Chemical bank to immediately send me a refund for {$1400.00}, the amount I have overpayed to close this loan. Thank you in advance for your help. 
XXXX XXXX