davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (GA)

I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX  XXXX XXXX, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from AMERICOLLECT ( original creditor is XXXX  XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

Well Fargo has continued to report an account that does not belong to me. I have filed countless disputes through the CFPB for wells fargos lack of communication and failed progress to remove this fraudulent account from my credit reports. This account reflect that I am an authorized signer for a car loan that I never sighed for.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony has charged us late fees for numerous times even though we have send our payment way before their due date. We have confirmed with our bank that payments have always been sent at least 7 days before due date. Synchrony continuous to process the payment late and adds late fees. This is the only card we have had such bad experience. We always pay all our bills on the same date and have never seen such erroneous charges in late fees and interest rate on account that is on 18 months no interest. We have send them proof our payment has been sent to they on the XXXX of the month and the delay in processing of the payment is on their end. They do not post our payment until after the due date ( XXXX of every month ). Bank has no control how long Synchrony takes to process the payment once they send the payment to them!
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

My name is XXXX XXXX XXXX XXXX. 
My home was sold a sheriff 's auction for delinquent taxes. 
I live in XXXX XXXX, GA. 
I paid redemption and have Quick Claim deed. 
Taxes are up to date. 

I requested in writing for mortgage company, PHH mortgage loan servicing/XXXX mortgage to file claim for funds in excess to satisfy security deed. ( once in XXXX and second in XXXX ). My loan is in my maiden name XXXX XXXX XXXX. 

County states once security deed is satisfied, I can claim remaining funds minus processing fees. 

My issue is mortgage company is not filing claim for funds. Once 5 year period has lapsed, excess funds become property of the county. I will also be responsible to pay remainder on loan. 

Is there any protection as the owner has for mortgage company to make claim to the excess funds? 
Any Assistance is greatly appreciated. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Good afternoon, I recently checked my credit score through XXXX  and became aware of an account I did not recognize. 
XXXX  reported that I owe {$1700.00} to Midland Credit Management. 
I called Midland Credit Management and informed me that I had an account with XXXX XXXX  XXXX through XXXX XXXX and that they were a collection agency. 
I told the person I spoke to, that I have never opened an account at XXXX XXXX  XXXX therefore I do not recognize this charge and to please remove it immediately from my credit report. This person told me that I had to contact the law firm handling the case and refuse to provide me more information. 
It seems someone XXXX have opened a fraudulent account using my name at Bass XXXX XXXX and I was not aware of it. 
Thank you for your help. 
Regards,
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

I was granted {$20000.00} from the HAF grant program to keep our home from going into foreclosure. They agreed to receive the HAF funds when they went through the onboarding process, held on to the money for over 2 months, never applied the funds, then rejected the funds & returned them. They stated because I have arrearage in bankruptcy & the {$20000.00} would not settle that amount, they would reject it because they have no way secure the balance. I stated multiple time to them that the bankruptcy balance is secured, my trustee makes those payments & the {$20000.00} was to go to post petition arrearage not the bankruptcy. I have been working with the AHEAD program & they have been unable to get a straight answer as well. 
They received the {$20000.00} grant money on XX/XX/XXXX & returned the funds on XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

All of these accounts are closed and they are still trying to collect a debt from me that should completely be gone : I do not own any of those company cards at all and I would like them to be removed off of my credit completely.
Consumer complaint received 2021-07-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I called Equifax to remove the consumer statement that I did not write or authorize Equifax to put on my Credit Report. Equifax refused to remove the information immediately and instead forced me to call them multiple times. Each time I called they were not able to verify me. Then when I did get an agent on the phone, I was forced me to provide my private information over an unsecured phone line. Equifax required me to state my full Social Security Number, Full Address and my Full Name. Then after providing this information correctly the agent required me discuss information about four creditors I had on my credit report. After completing this process the agent then without my permission repeated all of my personal information out load over the phone for anyone to hear around her or anyone who may be monitoring my phone from outside my home. Equifax is engaging in abusive behavior and requiring American Citizens to provide private information about themselves over unsecured phone lines in order to correct errors that are on our Consumer Credit Reports. Equifax is creating a security breach by recording the information which could be sold or used to expose my private information. Please require Equifax to verify American Citizens in another way in order to protect our privacy. Equifax has already violated our laws and must not require our Citizens to release our private information over unsecured phone.
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Auto Finance received a {$2700.00} payment on XX/XX/2021. However, my list of transactions states that Capital One received the payment on XX/XX/2021. I've called Capital One numerous times to have the date corrected. I shared the XXXX tracking number with Capital One and have a recording of a Capital One representative stating that my list of transactions would be updated within the hour to accurately reflect the date. Capital One refuses to update the list.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

on XX/XX/XXXX I paid my COMENITY Jcrew card account in full ( {$650.00} ). I then was charged interest on my account and was not recieving my bills ( the statements we being sent electronically to an email account that was no longer being used ) and since I had paid off the account, I did not realize that I was being charged interest and subsquently late fees. On XX/XX/XXXX I recieved a paper notice in the mail that notided me that my account was past due and I immediatly paid my account balance of {$29.00} ( this was the interest and late fees that had accumulated over the time since my payment in full ). I have tried to speak with COMENITY about this and the only recourse the have provided me was to file a complaint. Please help-this is clearly a mistake and not an intential effort to not pay my debt. I paid my account balance.
Consumer complaint received 2023-02-07
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. (CT)

My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from Equifax, XXXX, XXXX XXXX. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXX XXXX  XXXX ) - Reporting on XXXX XXXX XXXX I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX  ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX  ) Equifax : XXXX ( Received XX/XX/2023, XXXX XXXX XXXX I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WY)

I have submitted over 10 dispute letters to XXXX XXXX and equifax over the last 2 years and also asked for the creditor to seize all communications with me and the credit agencies according to 15 usc 1692 c and the creditors keep calling me and also reporting inconsistent inaccurate information to XXXX XXXX and equifax.also I've notified the creditors and the XXXX  equifax and XXXX that they are reporting inconsistent incomplete inaccurate information on my credit report.i am attaching a credit report feom today XX/XX/year> from smart credit and highlighted all of the inconsistent information being reported. When ever a credit report is not reporting XXXXpercent accurate information concerning the individual about whom the report relates.these accounts are the result of idenity theft and fraud and i demand to block the following accounts within 4 business days pursuant 15 usc 1681c-2.also the dates of activity opened dates closed dates dispute status are all inconsistent across all 3 credit agencies.i am no longer liable for the following accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am also attaching the ftc report # XXXX and the idenity theft Affidavit as proof that im a victim of identity theft.
Consumer complaint received 2020-10-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My HEL account has been closed for year but Bank Of America never filed a Satisfaction of Mortgage. Ive been calling and calling and now Im having a problem closing on my house.
Consumer complaint received 2022-09-21
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$8500.00}
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). 
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( XXXX ) the false representation of XXXX XXXX XXXX the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. 
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Consumer complaint received 2022-07-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (IL)

On XXXX XXXX I had purchased a used XXXX XXXX XXXX  at XXXX. When I was at XXXX I was told that Ill be able to refinance my vehicle after a year of having the car if I choose American Credit Acceptance. So I decided that it was a good idea for the XXXX XXXX being my first car. I have been having problems with the car such as the car spinning out of control and also the car had problems starting and also the pipe under my car busted, when I took the car to XXXX they told me that it was nothing they can do about it which resulted to me having to come out of pocket for a new pipe and also I had to buy a new battery when I was told the battery that come in the car was just replaced and new. I also had XXXX care where if its anything wrong with the car I can go to them for service but I never was able to use my XXXX care do to them refusing to help me with the problems the car had, the only thing that XXXX was able to refund was the pipe. Now with American Credit acceptance I was able to pay for the car until XXXX came about i lost my job and I had to start job hopping and I wasnt able to pay the car note so I called American Credit Acceptance and they told me that I wasnt able to refinance my vehicle so I was having trouble paying my car note and any money I came across I was giving it to them the best I can. On XXXX XXXX I was on the express way and my car spin out of control I informed American Credit Acceptance and XXXX to let them know what happen and I couldnt get any help from either company. I tried to pause payments due to the car not being able to drive and I was also denied that, I asked American Credit Acceptance if I was on any list of getting my car taken and I was told no just for them to come pick up the car the next day I also made an appointment at XXXX XXXX to see if they can help me with the car but I wasnt able to get there due to them coming to get the car.