davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC. (TX)

I have an account with Prosperity bank. The bank keeps taking out outrageous overdraft fees and its causing a financial strain in my life. I have never heard of being charged {$140.00} for a overdraft. Then each day they still charged me different amounts of overdraft charges. I dont know how they expect me to pay it all back when they keep charging me. They even went as far as putting another overdraft charge on a transaction that happened the day before but I had got my payroll check this morning so I was not in the negative.
Consumer complaint received 2022-09-28
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. (AL)

This item XXXX XXXX account is inaccurate because there are reporting late payments when I actually the paid on time for that account. 

Late payments were report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Equifax. I made payment to Badcock on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I call W.S. Badcock in XX/XX/XXXX when I first noticed the errors on my account and the company made corrections on my account to show the payments was received and the account was current. The corrections can be seen on the XX/XX/XXXX to XX/XX/XXXX statement along with the past date amount is {$0.00}. This is the second time this company report inaccurate on my credit report. I file a dispute with EQUIFAX ON XX/XX/XXXX Confirmation number : XXXX and on XX/XX/XXXX Confirmation number : XXXX. Equifax failed to remove the inaccurate late payment report on my account. I have filed a third dispute on XX/XX/XXXX Confirmation number : XXXX. EQUIFAX failed to remove or correct the inaccurate on my credit report.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Regional Acceptance continues to report to XXXX wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, Regional Acceptance reported my balance as {$12000.00}, according to XXXX. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, numberXXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called XXXX directly, and they stated they had not received any report from Regional Acceptance since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from Regional Acceptance which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (MI)

I will continue to file complaints to the CFPB until my complaint is resolved. 
Submitting an answer back to the CFPB of we received your complaint, Thank you. Shows how very unprofessional this company truly is. 

So again, I will continue filing complaints at this point forward not only to the CFPB, but now to the XXXX and state attorney generals office until this debt is removed off my credit report for failure to validate this debt as requested several times. Clearly you are violating the FDCPA laws. 


This past August I filed a complaint with the CFPB against Pro collect. I have never at any time received a representation letter from this company, a bill in the mail and furthermore, a chance to dispute this account. Instead, Pro collect has placed this on my credit report with no explanation to get me to pay the bill. Our apartment had numerous issues during our four and a half years of renting including MOLD, ( I have pictures ) water coming in thru the walls in our master bedroom, and a water heater they tried to fix over 10 times in a 2 day holiday period which flooded our laundry room ( had we not been home, it would have created a very serious issue ) Below is the response from a procollect representative that has failed to resolve these issues I have listed, provide a bill to me whats so ever as stated in her response, and finally, allow me to file a dispute in writing. As you can see in the representatives response, there is no resolution on any of my concerns, the representative just list how to make payments. 

Procollect received the consumer 's account from our client XXXX XXXX Apartments on XX/XX/XXXX. The consumer owes a balance of {$2100.00} for ( RENT/LATE XXXX XXXX XXXX XXXX DEP XXXX ). The consumer 's dispute has been noted and the account has been updated. On XX/XX/XXXX, the consuner contacted Procollect and was made aware of the debt. The consumer provided Procollect with his attorney 's contact information at that time. Procollet contacted the consumer 's attorney on XX/XX/XXXX. The consumer 's attorney indicated that he needed to contact the consumer and he would call back. Procollect will mail proof of the debt to the consumer on today XX/XX/XXXX. I apologize for any inconvenience this may have caused. Procollect will only communicate with the consumer 's attorney. The consumer 's attorney may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX. The consumer 's attorney may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer 's attorney has any further questions they may contact me, XXXX XXXX, directly @ XXXX ext XXXX. Thank You
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

Convergent outsourcing attempting to collect on behalf of sprint. I have requested on multiple occasions over the course of a few years for validation proof. They have refused to validate the debt to me. I've disputed multiple times and request the validation method from the investigation through the credit bearus and still never recieved any validation. It's not right for this company to destroy my credit for years when they have failed on multiple occasions to provide validation.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX account opened Received letter saying a lien was placed on my house and credit was reported on XXXX 15 day past due bill which I called and spoke to multiple people to let them know I was in the XXXX  I have medical records that can prove all of that. They continue to call and threaten my credit and home. I have paid the account up to date plus an extra payment. I called to ask how to resolve this lien issue the company informed me that they only have one call center and that they could not provide me with any information or phone numbers to contact anyone above the person I was speaking to and I could call and call but would not get any further information or contact from anyone other than him and the agents at this call center. The loan was a home improvement for XXXX. Again Ive paid in full but I XXXX XXXX XXXX XXXX XXXX XXXX  which I tried explaining to them and they basically disregarded all my concerns and issues. And wont help me in speaking to anyone that possibly could and I was XXXX  from XXXX until XXXX in the XXXX  so it wasnt that I left with no contact but there was little I could do. Also if medical numbers or my medical team or XXXX  need to confirm my dates I can release certain information to you. I find it disturbing that a company would treat me this way. Thank you for your help
Consumer complaint received 2022-10-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALTERRA GROUP, LLC (NV)

I applied to this mortgage company because they say closing the gap. Helping XXXX  own properties after turning all documentation requested. I called the phone 3 to 4 times before receiving a disturbing call stating who is this and why did you call this number. Oddly I was speaking a representative from legacy home loan but couldnt have known that if she did not address herself. After that disrespectful correspondence I received and apology and tried to complete the loan. But the representative was upset as anyone would for my complaint and return stated I was ( disrespectful ) and the company closed my loan? As my professionalism isnt a part of apply for any loans.
Consumer complaint received 2022-10-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IN)

During the height of the pandemic, I lost my job after disclosing I was pregnant and requesting to continue my work from home. I was denied the right to work from home and terminated instead. Since then, I struggled to stay afloat supporting my XXXX daughters and myself and have requested to have my private student loans put on hold and Ive been denied by XXXX on numerous occasions. I filed for XXXX XXXX bankruptcy in XXXX and my student loans were included in the bankruptcy proceedings. I have my discharge paperwork and the original petition for bankruptcy itemizing each of my student loans and to date, I am still repeatedly contacted by Navient for repayment of loans that I can not afford. 

Ive been making interest only payments for at least the last two years because thats the only option Im told is available to me. 

Most recently, in XX/XX/XXXX, both my father and I have received repeat phone calls and voicemail messages from Navient indicating that my interest only payment term had come to an end and I was once again behind on my student loans. My father was a cosigner on at least XXXX private loan and my deceased grandmother a cosigner on another private loan. I have been unable to get either of them relieved from the loans and my father has taken it upon himself to stretch beyond his means to make your payments to Navient for the loan hes on just to get them off his back because they wont stop contacting him. 

As of XX/XX/XXXX, I was forced to re-enter into another interest only payment plan. I am still without work and I am stretched far beyond my means. My ex-husband stopped paying child support a year and a half ago for our XXXX daughter, I have no source of income and my savings is almost completely out. I communicated this to the person at Navient and told her I feel desperate and I have absolutely no way to ensure I can make the monthly payments And the only option I was given was a {$65.00} a month automatic withdrawal from my bank account for interest only payments. its either I pay the {$65.00} interest only payments or a default. I dont understand how this can happen when Ive done my best to pay despite the fact these loans should have been discharged in bankruptcy in XXXX.
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (TX)

After reviewing my consumer reports I noticed Harvard Collections appearing negatively. It seems to be violating XXXX XXXX XXXX XXXX ( XXXX ) by using deceptive means to collect or attempt to collect a debt or to obtain information concerning myself. I dispute owing any monies to this debt collector and I am requesting a declaration signed stating that was is written is true. I also request copy of a judgment against me for this alleged obligation. 

Because Harvard Collections have failed to comply with many provisions of the FDCPA I may seek remedies owed under XXXX XXXX XXXX ( d ) in a federal complaint. In visiting the XXXX XXXX XXXX XXXX this seems to be common practice for Harvard Collections. I am communicating through the agency that enforces the FDCPA and protects consumers. 

You have damaged my reputation and have caused arguments with my significant other a month prior to our wedding over this action.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus XXXX this. I was never notified in writing per XXXX U.S.C XXXX prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.
Consumer complaint received 2022-10-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I am behind on my private student loan and have tried numerous times to get my payment lowered. Every time I try Navient fills out a financial statement and at the end I have a negative income to be able to make the monthly payment. Now they are excessively calling me. I have logged 11 phone calls in the past 7 days and I read that in late 2021 there was an amendment to Regulation F of the FDCPA which now prohibits a debt collector from making more than 7 calls in 7 days to a person who owes the debt. I have spoken to XXXX from Navient and she said that Navient was aware of this and was breakling no law.
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (FL)

Initially, I made a payment plan to pay off my past due balance in the amount of {$3200.00} to Net Credit. However, as this didn't reflect positively on my credit report., I was forced to pay the entire amount past due {$3200.00} in order that the company will stop having negative reports each month. 
Currently, my payment schedule still reflects the past-due amount already paid. The website states that it is paid. 
I have contacted the company over XXXX times. I was told that I am on the manager escalation list to call me 7 days ago. Nobody will call me and as it stands if I don't want negative credit reporting I will need to pay everything according to the schedule otherwise my credit report will be ruined again. 
I filed a complain initially and received an email from them to call and adjust the schedule. The only answer I receive is from customer service and nobody else. 
This company is the biggest scam and unfortunately, I am stuck with that until I pay it off, however, I don't want to pay {$3200.00} twice. 
I can not get a mortgage until the correct that as well as their reporting on my credit and am living in a moldy house in house after Ian
Consumer complaint received 2022-10-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resolve Partners, LLC (OH)

On XX/XX/2022 I sent a email and USPS certified letter to RESOLVE Partners in regards of the inaccurate information being furnished with their organization. I informed RESOLVE Partners in this email and USPS certified letter of each inaccurate account and how it was in-fact inaccurate. I received confirmation from RESOLVE Partners employee that my email and correspondence had been successfully received. After confirmation of the receipt of my correspondence from RESOLVE Partners, I discovered that RESOLVE Partners is still furnishing and distributing the inaccurate information that was verified as inaccurate on my consumer profile. I informed RESOLVE Partners again through email on XX/XX/2022, that the inaccurate information is still be furnished, and I have not received an response back. RESOLVE Partners is now in violation of 15 USC 1681sXXXX ( B ) : Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

I received a letter with 2 collection agency names on it. " XXXX XXXX XXXX XXXX " and " CROWN ASSET MANAGEMENT , LLC '' showing a debt that I do not owe from " XXXX BANK ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me.
Consumer complaint received 2022-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Sayer Law Group, P.C. (TX)

The Sawyer Law Group attempted to collect a debt by mail in late XXXX. I didn't want them to assume the debt they purchased was valid so I sent them a notice of dispute. I asked for a declaration swearing that statements made in a document are true or copy of a judgment against me. XX/XX/22 I get a response back stating, " Enclosed is a copy of the verification of your debt .... '' I have attached the notice. It was not signed by any person. I have reason to believe that this debt collector is looking to mislead me into believing that I owe a debt to them. The Sawyer Law Group has disclosed in writing that it is a debt collector and has directed me to the CFPB to learn and enforce my rights under the FDCPA. I have asked this company to cease communication with me and if any communication marked as an attempt to collect a debt is sent directly or indirectly, I will explore legal options to enforce civil liability.
Consumer complaint received 2022-09-28
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: SYNCHRONY FINANCIAL (PA)

Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes.

Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).