davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I had a XXXX XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and Portfolio Recovery picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from XXXX with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MI)

I was laid off XXXX due to Covid-19 and applied for forbearance with Amerihome Mortgage / XXXX. I was forced to make the XX/XX/2020 payment, and they started my forbearance in XX/XX/2020. This is using my first month of forbearance and they refuse to correct the start date to XX/XX/2020. They have stated that I am past 12 months of forbearance and that is more than they typically offer. They are blatantly trying to ignore the Covid-19 mortgage assistance coverage provided by the Cares act and all other federally mandated extensions. They call multiple times per day and start each call by intimidating you with " we are attempting to collect a debt, you are past due {$110000.00}. Would you like to make a payment? ' completely ignoring that you are in forbearance until you remind them. This is abusive, misleading and harassment to be subject to these calls and omissions of pertinent facts. The waiver to use the website is insane. I don't think I should have to give up my rights to anything just to view my loan documents or forms. After the 4th call I spoke with XXXX in customer service - call letters XXXX- who was the most helpful person, answered all my questions, got me the info I needed and set up a supervisor call back to resolve the issue that was not in her department.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (TX)

I had a XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and XXXX XXXX picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with XXXX response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from Comenity with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had XXXX help from the CRAs with having this line removed from their reports.
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I called Penn Credit and sent a letter in XXXX to let them know that this is not my bill. 
If I went to a hospital, surely, they would have my current address. They gave me an address where I lived 30 years ago. The letter I sent was : Penn Credit Corp. 
XXXX XXXX XXXX XXXX, XXXX, XXXX To whom it concerns, XX/XX/2022 The FCRA states that a consumer can make a legal claim against, and sue the credit reporting agencies, creditors and debt collectors who report information that is wrong. This is a Debt I DO NOT Owe. Since a collection agency can not sell a collection to another credit agency w/o notifying the debtor. I feel like they are acting illegally by violating the FDCPA. I have never been contacted by any collection agency about who or what I owe if anything. I do believe that this is a scam and will be reported to the CFPB and possibly sued. 
XXXX XXXX PENN CREDIT - XXXX Last updated XX/XX/2022 Current Balance {$770.00} Account Details DEROGATORY Account Type - Last Account Activity XX/XX/2022 Open Since XX/XX/2022 Ownership Individual Current Balance $ 770 Monthly Payment - Original Creditor XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Remarks Dispute resolved ; customer disagrees
Consumer complaint received 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

I received a notification by mail that that I had an unpaid balance with XXXX ( XXXX XXXX ) and AmSher was the collection company to collect the unpaid debt of {$120.00}. ArSher offered me an opportunity to resolve my account/debt with a one time payment of {$97.00} if paid by XX/XX/2021. I attempted to call to make a payment but was placed on hold which I proceeded to hang up after 23 minutes. I then went online by using the bar code provided by AmSher on the collection letter they sent to make an online payment. On XX/XX/2021 I made an on line payment of {$97.00} per their collection letter and instructions, PAYMENT confirmation Number XXXX. On XX/XX/2021 I found a collections on my credit report from AmSher for the amount of {$32.00}. I would like AmSher to honor their offer and remove the {$32.00} from collections.
Consumer complaint received 2022-09-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (AZ)

I used to have a credit card for Nordstrom 's. A store I used to love. The card is issued through TD BANK. I lost my card on a flight, or at the airport, then my card was used in XXXX XXXX, Ca. I do not live in California and do not jump states to shop. I advised Nordstrom 's credit department of the fraud and they began a dispute. Initially, the dispute was resolved in my favor, as it should be. At the last minute, the decision was reversed and I was told I was the person who made the purchases. I know I did not. I was told that someone XXXX who looked like the person on my DL was in the store. I was not only offended, but this was right before the United States began to really face and evaluate the racism that companies, schools, and government institutions benefit from in a systemically XXXX world. At the time I was appalled, offended, and embarrassed that I was, in this decade being told that all XXXX people look alike essentially. I was told this by a customer service or disputes manager after I asked to be escalated because the original representative tasked to help me come off as rude, defensive, and honestly treated me like a criminal. I was hurt and now this balance, a balance I did not charge is not only in collections, but it is ruining my life. I not only experienced terrible customer service but to treated in a way that made me feel inferior was and is unacceptable. TD BANK and Nordstroms decided to send this balance to collections, it is not at a 3rd part company that harasses me and has reported on my credit. I am not a giant company, but at this point, it is me against them. I offered to file a police report at the time, and the manager basically laughed me off the phone. I said I could easily contact the local XXXX police to file one because I know for 100 % fact that I did not make the charges they accused me of. This has been very difficult for me and has caused me enough mental distress. I really need this conapny to step up and in and do what is right.
Consumer complaint received 2022-11-20
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: Merchants' Credit Guide Company (CA)

Greetings to all at the CPFB. Thank you for your service It has come to my attention that a private company called Merchants Credit Guide is committing many crimes against my estate and my name.

My question to the CFPB is, how can a 'private ' for profit company be allowed to obtain my personal information without my knowledge, written consent, or a court order? Does the CFPB allow companies to do as they please? I have requested that XXXX XXXX XXXX provide to me a proof of authority that allows them to Purchase and collect the information of XXXX XXXX without a license at CALIFORNIA where I live, my written consent, or court order. This is clearly identify theft by corporate bullies. I am unable to obtain goods for my household. This has to stop. I am asking that the CFPB regulates the false and deceptive business practices of the Merchants Credit Guide This is devastating to my family
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Granite Edvance Corporation (TN)

According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report so there should have no late payments in my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$52000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$880.00}
Consumer complaint received 2024-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I submitted a claim for charges from XXXX that I did not authorize. The charges are fraud & totaled over {$12000.00}. I was told that I would receive a call from a rep but never received one. I called & reported that the amount showing is incorrect & that my claim wasnt submitted correctly. None of this information was ever fixed nor updated & Wells Fargo closed my claim without returning my money. They continuously steal from consumers & think they can get away with it by using shady tactics. I want my money returned to my account.
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (TX)

I am a victim of Identity theft. I have provided ( Experian ) with copies of my United States issued photo, social security card, FTC report, Fraud Affidavit as well as police report. Requesting for Fraudulent accounts to be Blocked, from my credit profile. Instead of Experian honoring my request under the " Fair Credit Act for victims of identity theft, they process my request as a dispute without verifying my identity with the associated company.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These Credit Reporting Agencies XXXX, XXXX and Transunion have furnished false and deceptive information without my consent. I did not authorize nor did I benefit from the reporting of these accounts and unknown inquires. Congress already found and declared that they have assumed a vital role that they do not have and that they shall exercise their grave responsibility with fairness and impartiality. They must respect the consumers right to privacy, and confidentiality. This information is not fair and equitable to me the consumer and I am requesting you update the information to my written instructions.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is the third time I file this complaint in 4 months ( both earlier complaints attached fyi ), and NOTHING has happened ... what is the use of CFPB if you tolerate that the companies whose abuses you claim to protect us from, are free to simply ignore our plights? Does this bureau deserve taxpayer funding??? 
PLEASE HELP ME GET MY {$2000.00} BACK FROM BANK OF AMERICA for interest rates and fees that they charged on my Bank of America XXXX even as they had over {$50000.00} on my checking and savings accounts. For details. refer to my original complaint of XX/XX/XXXX, ref. XXXX Counting on your prompt and forceful investigation. 

Thank you once more.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/2021 unauthorized charges in the amounts of {$190.00} and {$20.00} were debited from my account, previous card number ending in XXXX was reported lost/stolen on XX/XX/2021. A new card ending in XXXX was received and activated on XXXX XXXX. The merchant of unauthorized charge was not authorized to debit funds from new card ending in XXXX nor checking account. Merchant was never given card nor account number.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I had a XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and Portfolio Recovery picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. PRA continues to report that the DoFD is anywhere from 2015 to 2016 depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the seven year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from XXXX with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even one payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.