davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This is a follow-up to Complaint ID # XXXX with Portfolio Recovery Associates , LLC XXXX In today 's mail ( XX/XX/22 ) I received XXXX letters. They pertain to the accounts ending in XXXX and XXXX. Two of the letters state, " In our previous letter to you ( What " previous '' letter are they referencing? ) we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. To date, we have not received this information and can not complete the investigation. Since we have not received this information we are terminating the disputes investigation pertaining to this account. '' So, once again XXXX is being manipulative and making false statements. I have already emailed them to the email address provided to me by the representative that I spoke to with the screenshots, with the information on the letter received from XXXX XXXX and with screenshots of chat conversations. In addition, those same screenshots were attached to the original complaint filed above. They also have the recorded conversation had with their representative, as they advised me that it was recorded on their end. In addition, the amounts on the letters acknowledge NO settlement now. 

They also have record of the chat conversations and the multiple screenshots I sent of the settlement balance in my account before they inflated it. 

In addition, this morning they again removed the account XXXX from online access so it could not be paid. 

Once again, the resolution to this is to simply honor the settlement amounts agreed to, which is {$440.00} for the account ending in XXXX and {$410.00} for the account ending in XXXX and I will pay them as soon as the accounts are again made accessible. 

The extremes to which XXXX is going through to make making payments as difficult as possible is absurd and stressful.
Consumer complaint received 2022-04-15
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. (IL)

Hi I am submitting this XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX and I have been working for the last 6 months on trying to fix the incorrect account that is reflecting on my credit report. I have filed a dispute through the CFPB for now the 4th and final time. Please make note that I am aware that you all have refused to process my request or even look into the issue the other 3 times I have done this. Because I have now lost the home I was trying to close on and the Earnest Money I put up I have seeked legal advice and am aware that you all have violated the law.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IN)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (FL)

On XX/XX/2022 I tried to pay my car note to my lienholder ( AFCU ) but instead of charging my card one time, they charged my card FOUR times and in the end, completely EMPTIED my checking account which I have proof of. I called their main customer service phone number ( XXXX ) and notified them that they charged me 4 times. I was then told that they " did not see any transactions on their end at all '' and even had the audacity to ask me to run my card again to make the payment!! How ridiculous is that! I asked to speak with a supervisor who then told me the same exact thing, " we don't see anything on our end but if you see it on your end, just let it process and then it'll be refunded ''. When I asked him how many business days it will take he HUNG UP IN MY FACE and did not call back! His whole attitude and demeanor was as if I was a nuisance when in reality, I am the client who is now struggling to scrape up money to feed my child because of a mistake made on THEIR end. I am not rich by any means. I do not have {$820.00} to just " throw away ''. That was the last of my money and now I have to wait how ever many business days to get back on my feet. I know I will definitely get my money back but what has me frustrated is the principal. They took NO accountability for their mistake and did not even offer any sort of solution. I'm pretty much " on my own '' with this one. I think it is absolutely ludacris and completely unacceptable for any company, especially a company as popular as theirs, to make such a huge mistake and then act as if nothing happened. {$820.00} may seem like a small amount to some people but for me, it was my last. My son is feeling the aftermath of this situation the most since he relies on my income to feed him as well as myself. I am disgusted with the way I was treated by this company and I'm sure I'm not the first or last to endure this type of behavior from this company. All they care about is their money and not their clients or the service they provide
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

A salesperson at a local dealership -- XXXX XXXX in XXXX XXXX Texas -- -kept calling my wife on a daily basis inviting her to re-finance her vehicle. My wife repeatedly told her that her car was in both my name and my wife 's name, and that I would need to be involved in the decision. My wife was receiving weekly calls from " XXXX, '' the salesperson at XXXX XXXX soliciting her to re-finance -- even though XXXX had been told at least twice that the car was in both our names. Regrettably, yesterday my wife received a call from XXXX again and she went to the dealership without informing me. While at the dealership, XXXX -- without my consent -- took my Social Security number and other personal, financial, and demographic data and performed a Hard-Pull through her Finance Department . This un-authorized credit inquiry has already appeared as a Hard Pull on all three Credit Bureaus -- without my informed authorization and without my signature. Experian, XXXX, and XXXX are already reporting the Hard Inquiries on their data.

Afterward, while my wife was still at the dealership, I complained to the management team about what had happened. XXXX became rude with my wife, then treated my wife very disrespectfully and in a beligerent manner -- -even though what she ( XXXX ) had done was fraudulent, unprofessional, and un-ethical.
Consumer complaint received 2022-01-14
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: TD BANK US HOLDING COMPANY (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. NORDSTM/TD ***** Opened date : XX/XX/17 XXXX {$390.00} I would like you to review this reported account. This was undoubtedly placed as charged-off account, yet there is a balance indicating on the statement. There must be a payment history that would show a past due of 120 days for this account. You are reporting mistaken information on this account. Reports should be 100 % accurate based on the Fair Credit Billing Act. Any erroneous information about this account should be removed immediately unless verified.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I took advantage of offer of deferred interest from XXXX when purchasing a product, they had a store credit card at time with Comenity Bank. I returned many products, XXXX informed me in writing that they had " credited my account '' yet they failed to issue the credit to my comenity bank card, my ONLY account with them. Now they are saying that I had huge credit with MY ACCOUNT, but only one I could access or knew about was my Comenity acct. The two companies have stopped working together, and when Comenity did not see my credit, timely, they put all interest, finance charges and late fees back to balance on my card. XXXX claims it is too late to fix their mistake for not issuing credit to acct when it was issued, but timing is everything with deferred interest! They still owe me money, to this date, I told them to issue me refund and I will use that refund money to pay the interest and penalty charges with Comenity, even though those funds really belong to me, yet XXXX refuses, saying they will only offer me more merchandise for what is owed! So, Comenity is charging me over {$1400.00} in deferred interest, finance, late fees that I should not owe, save for the XXXX error, they are ruining my credit by reporting me late each month, for not paying this money they are extorting, and XXXX admits to mistake, but refusing to do anything to inform Comenity I should not have to pay deferred interest, they refuse to refund me more monies they still owe me, and my XXXX XXXX is now ruined ( XXXX ) due to each month this outrageous amount of fees and interest is being reported as late payments! Comenity refuses to acknowledge problem and just tells me to pay or they continue ruining my credit! .In XX/XX/2020 XXXX recognized another mistake they had made charging my Comenity account for something I had paid for using credits, and they sent the credit to Comenity 3 months following their breakup, but now that I need them to do the same, they refuse saying they can't issue credit now that they don't work together any longer. XXXX should be charged with a crime for doing things like this, comenity Bank is just taking advantage of me like a " gotcha '' and I am left paying a huge price for doing business with both of these companies!
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

In 2013 XXXX XXXX XXXX emails were compromised. Several years ago I received emails from from XXXX citing a " settlement '' of credit report monitoring via Experian XXXX. Recently, Experian XXXX contacted me via email stating that they had resolved the settlement and to sign up for credit report monitoring. After applying for numerous jobs and constantly being denied, I did. Then, I started to get " alerts '' that my phone number, drivers license, etc was " found on the dark web ''. I was in the process of applying for a job via XXXX Staffing. The contact there was XXXX. Her number is XXXX. The job involved a FBI level background check and I went to have my fingerprinting done XXXX day, followed by a background check another day. At the same time, I received the alerts from Experian. After reading their " report '', I was appalled and shocked to see court records that were untrue. Loans I did not take out. Every aspect was compromised. I assumed it was true, as my XXXX email had been compromised and subsequently included my XXXX student email, which seems to also be compromised. I have applied for both Covid rent help and now recently Rent help. Both redirect to Neighborly software. These " rent help '' services are further being promoted on the local news and by the City Mayor. To add to that, and having said that, the news continually promoted an Expulsion Expo which I also applied for. I received a response from the County Clerks office stating I was considered, but things were " on hold '' pending Covid in person proceedings resuming. Things about my identity are SO compromised, it makes ones head spin and unsure where to even begin. So, upon filing multiple reports to this and other Federal agencies, I have no recourse but to physically go to the FBI tomorrow and I will be providing them with these reports as well as other fraudulent activities. I am a good human. I need my identity restored and redeemed. I need reputable employment. It is extremely concerning given everything I have said above.
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (OH)

I financed through westlake financial for a used XXXX XXXX XXXX in XXXX of XXXX. In XX/XX/XXXX I used that car as a trade in with XXXX XXXX and they sent westlake a check for my payoff amount. The next day, before they got the check, my monthly auto payment came out. With the payoff being the full amount and then my payment coming out, there was a XXXX something dollar difference that I was supposed to receive a check for. I called them to let them know I moved addresses and they said they changed it on file. A month later I hadnt gotten the check and they said they sent it the day before that to the new address and it would be there within XXXX weeks. Then a month after that on XX/XX/XXXX I called, still not having received it, and the person I spoke to said the check was sent to the old address even though they said it was changed. I have called them 7 times now and asked for a supervisor. This supervisor isnt a supervisor whenever I call and they tell me the check was sent of different dates. Ive been told it was sent on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX and Im yet to receive my {$430.00}. They keep avoiding any direct questions I ask them and have refused to give me a tracking number for the check that they have sent out to me. After 3 months of fighting with this company theyve only expected me to give up on it but I still want my money back.
Consumer complaint received 2022-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

When my mortgage was set up through XXXX XXXX XXXX  It was for a XXXX loan with insurance coming out of escrow. 
At some point after that u.s Bank bought my mortgage from them and when that happened u.s Bank failed to properly set up the insurance payments to my insurance company which forced them to cancel my policy after 4 months of non-payment. I was only made aware of this when I received a letter from US Bank telling me that they had purchased a homeowners insurance policy in my name for well over double what my other policy was. Now my mortgage payment has gone from aprox XXXX to over XXXX dollars. Because my escrow account went well over {$2000.00} in the negative when they set up this new policy. I went to US Bank in person and sat down with someone a month ago they helped me type up a letter and send it to US Bank 's department that deals with the situation. That was XX/XX/XXXX. I have not heard anything back. Be it mail or phone.
Consumer complaint received 2022-03-13
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. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I conducted an investigation on my credit report which caused severe XXXX upon me as I found unverifiable, invalidated, inaccurate, and questionable items that the agency ( Equifax ) did not make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The item that is listed inaccurate on my Equifax consumer report is a collection account : XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/2019 {$4800.00}. This is a apartment community in which I have never lived at this address. During this time, I owned a home at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is listed on my consumer report from XXXX. 

As a result, this collection is negatively impacting my credit score and hindering me from obtain financing.