davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Step 1 : What is this complaint about? A debt collection company called Wakefield and Associates in Colorado, is illegally reporting to credit bureau 's of old debts of mine originally purchased back in XXXX, stating that these collection accounts were opened in XXXX and XXXX when inquiries were sent to them as a result of me paying credit repair companies such as XXXX XXXX and XXXX to send them letters on my behalf. 

Step 2 : What type of problem are you having? My credit is in very poor condition as a result of the unlawful reporting of Wakefield and Associates.

Step 3 : What happened? I defaulted on Medical bills that were then purchased by a debt collection agency back in XXXX called Wakefield and Associates. There has never been a payment made toward any of these negative accounts which should have resulted in a charge off or the accounts being closed. They continue to falsely report dates these debts were purchased, as well as what I believe to be not only incorrect amounts, but also duplicate accounts as well. According to the Fair Credit Reporting Act, " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. '' In addition, the FCRA also states : " Consumer reporting agencies MUST correct or DELETE INACCURATE, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information MUST BE removed or corrected within 30 DAYS. However, a consumer reporting agency may continue to report information it has verified as accurate. '' The FCRA also says that, " You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. '' That is exactly what they have done because the inquiry letters sent to Wakefield and Associates from XXXX XXXX   and XXXX does not entitle Wakefield and Associates to begin the collection process all the way over beginning in XXXX and XXXX due to inquiries by a 3rd party credit repair company, when they originally purchased those debts from XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX back in XXXX. This is outdated negative information that is well over 7 years old, and is now being illegally and inaccurately reported and needs to be deleted and removed immediately.

Step 4 : What company is this complaint about? Wakefield and Associates in Colorado.

Step 5 : Who are the people involved? Wakefield and Associates, XXXX XXXX XXXX XXXX, the 3 major credit reporting bureaus, XXXX, XXXX, XXXX, and of course myself.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I signed up for this card in XX/XX/XXXX with the understanding that I would receive an incentive of XXXX Delta miles for spending {$3000.00} within the first 3 months. The application was accepted with no problem and I spend close to {$7000.00} within the first 3 months in order to qualify for the bonus. I called the company 4-5 times from XXXX - XXXX of XXXX to check on when the bonus would be posted and was given several different excuses -- that they were still processing the bonus, it took some time for the spending to reflect, etc. but was assured that I would receive the XXXX miles. 

The most recent time I called on XX/XX/XXXX and was informed that I " did not qualify for the bonus ''. When I asked why, American Express said that they could not tell me why and would " look into '' why I was denied. I find this extremely unethical and misleading of American Express and request that they be required to follow through on their commitments.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NJ)

I am a resident of New Jersey, currently in lockdown still from COVID-19. XX/XX/2020 I started a payment plan with Discover Card to get my credit card under control ( Before the pandemic grew to the size it is now ). On XX/XX/2020 a payment was automatically taken from my bank account from Discover. At this point I had lost my job from COVID-19 and I contacted Discover to get a refund and cancel the payment plan. They issued a refund check by mail and said ( in writing in their messenger section of their XXXX app ) that the payment plan would be cancelled. On XX/XX/2020 a payment in the form of an automatic check was sent from my bank account to Discover card. I immediately contacted Discover card over the phone and tried to get the money back and explained my situation. They said that there was no history of me asking for the plan to be cancelled and that it could not be cancelled. They then put my case in review. On Thursday XX/XX/2020 I received a call back from Discover. They said the money was not able to be refunded and that the plan was not able to be cancelled. They told me that in order to push back the upcoming payment in XXXX that I would have to call at least 3 days before hand. After this I contacted my bank where I found out that I could not stop the payment or get it refunded on their end because it was in the form of a check which they made out to Discover in my name. Discover had somehow set up a bill pay on my personal checking account that I can't even access to cancel or stop it from happening. This is ridiculous. I can't find anyway to stop these payments aside from hoping that if I call a few days before hand that they'll push it back a month.
Consumer complaint received 2019-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc. (CA)

I am going through a lay off due to workforce reduction.I spoke to Majestic Financial to try and consolidate my payments monthly. I told them that their wont be no more direct deposits going into my account. Still did not want to help me with that.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

My name is XXXX XXXX XXXX my loan acct # XXXX from PHH Mortgagor Services at XXXX XXXX XXXX XXXX XXXX   NJ XXXX  Tel XXXX  ) I paid in the amount {$2500.00} for last few year now. XXXX demanded me to pay in the amount {$4000.00} which was an increase 27 % because mortgage company wanted me to pay off my balance before maturity date XX/XX/2035. I was offered from my mortgage co I will pay in the amount {$3200.00} each month and r.emain balance I will pay off on maturity. I can not afford the demand from mortgage co According on the agreement on section 5 if borrower still owns any amount under note ... the borrow will repay these amount in full by that date -- XX/XX/2035 ) Mortgage try to forcing me to short sell my house ( I never late payment ). 
Please help me to get afford payment and with reason amount and according per agreement.
Consumer complaint received 2020-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I receive multiple calls daily from Portfolio Recovery and at all hours of the day so they are not only harrassing me but they call all day long. They also call from different numbers in different states each time and have threatened me with legal action and foul language saying that if I don't pay that they'll have me arrested and will sue me. The debt they claim I owe was paid after I accepted an offer from the creditor for a lesser amount but they are trying to say that I never paid it. I am getting very frustrated and have tried to work this out with the debt collection agency but they have been very rude and unwilling to listen and continue to harass me several times a day to where I don't even answer anymore.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied International Credit Corp., (US) (FL)

I received a letter from Allied International Credit Corp ( AIC ) today ( XX/XX/2020 ) the letter is dated from XX/XX/XXXX and I do check my mail daily. They claim they are representing XXXX for a debt owed in the amount of {$300.00}. They claimed that their client has reached out numerous times without success, untrue of course. They provide no dates or relevant account numbers that I may use for a reference. I do not own an XXXX XXXX credit card and I have no debts to either XXXX XXXX   or XXXX nor have I ever. Today ( XX/XX/2020 ) I called XXXX and XXXX credit cards to see if there has been any fraudulent activity in any way and my account was perfect. This is like an extortion attempt. I don't want my credit to be damaged by a bogus debt claim. I am reluctant to provide this person or company with any personal information as their claim is completely fabricated. I don't know how to defend myself other than filing this complaint and submitting the snail mail they sent me. I have seen a pattern of this practice by this company when online searching their company name combined with XXXX and reviewing complaints on the XXXX. Help is greatly appreciated.
Consumer complaint received 2020-05-09
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: Commercial Acceptance Company (NJ)

XX/XX/2018 {$3300.00} The account was added to my account but I have not knowledge of the original creditor. I also never agreed to pay for a debt to a collections agency. I have disputed the collections account through each of the credit bureaus. I also mailed a letter to the actual collections company requesting varification showing where I had agreed to any accounts with them where I would make payments. The Company has not responded to any of my disputes or the letters I mailed out. This account is reflecting negatively on my credit report and making my debt level higher that it should be.
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

After submitting several requests to portfolio recovery and associates in writing to completely validation the following accounts. 

After requesting the credit bureaus to delete the following accounts they have been reinserted back onto my credit reports to the three major credit reporting agencies.a violation of FCRA section 1681 1 ) Account : # XXXX XXXX XXXX XXXX   XXXX balance {$3500.00} Notice ; in the attachment original creditors name XXXX XXXX XXXX  XXXX has been changed to ( XXXX XXXX XXXX ) which is not consistent. Portfolio recovery & associate intentionally misrepresented and fabricated this account. As a result of the company 's action my credit report is now severely damaged. 

Notice, each violation under FDCPA is {$1000.00} 2 ) inaccurate reporting, unverifiable Account # XXXX XXXX  XXXX XXXXXXXX XXXX balance {$1900.00} In accordance with the Fair Debt collection practices act portfolio recovery and associates is in violation section 809 b.
Consumer complaint received 2020-05-09
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: Experian Information Solutions Inc. (GA)

There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my XXXX  File : XXXX
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

I paid my monthly credit card bill. The bank has a copy of the check received by the company. 
Now they are saying we didnt pay and are adding on additional fee and interest. 
What to do? 
We have called once but are looking for some results.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (FL)

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 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 2019-08-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (IA)

XXXX XXXX of Phoenix Financial called me and asked if I would make a payment towards a debt. I explained I needed a debt validation letter to be sure of the debt. He said they had already sent one and I explained I had not yet seen the letter and could they send another. 

He said they already sent one and planned on turning over my debt to my credit report marked as " refusal to pay ''. I explained I was not refusing to pay but wanted a letter sent to me first to be safe. 

He interrupted me and aggressively said I was refusing to pay and that he was going to turn it over to my credit report as such. 

I asked for his employee information and he hung up on me.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

5/3 BANK NA closed my credit card without any good reasons. I tried to find it from them, it's a very long wait time. Even after 1 hr 15 minutes also no success talking to the customer service.

This brings down the credit score. 5/3 BANK should understand that opening and closing the credit card impacts the credit score adversely.
Consumer complaint received 2020-05-09
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: EQUIFAX, INC. (FL)

I have a XXXX  XXXX credit card. I was never late on it.I sent Equifax my credit card bank statements to show them that I was never late on it and they still dont want to remove the late payments on the account. They told me to contact XXXX  XXXX and I contacted XXXX XXXX on XX/XX/XXXX they told me they will send a letter to Equifax to remove the late payments on my account and after 30 days the late payments should be removed. I called Equifax last week they said the late payments will stay on my credit file for 7 years.Thats my 12th times disputing those late payments.
Consumer complaint received 2020-05-09
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. (IL)

XX/XX/2020 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the  remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account/Information about the account is reported incorrectly/Balance Incorrect * Please remove all non-account holding inquiries over 30 old Thank You, XXXX XXXX
Consumer complaint received 2020-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

On XX/XX/2020 I wrote a certified with returned receipt letter ( # XXXX XXXX XXXX XXXX XXXX ) to Merchants Credit Guide in reference to an amount posted on my credit report for the amount of {$150.00}. As the Fair Credit Debt Collection Practices Act ( FDCPA ) they are not allowed to report to any credit report bureaus ( XXXX, XXXX   & XXXX ) until I verified this account. Merchants Credit Guide reported invalidated information to the credit bureaus without my knowledge. In addition, under the Health Insurance Portability and Accountability Act ( HIPAA ) Merchants Credit Guide is in violation of the act.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 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 verifiedthat this item is being reported correctly? Who verified this item? 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: All State Credit Bureau, Inc. (MI)

XX/XX/XXXX I sent this company a certified letter requesting validation of debt paperwork. I received no paperwork validating the debt Allstate Credit Bureau , Inc. is reporting to all 3 major credit bureaus. On XX/XX/XXXX I sent a certified letter no response. On XX/XX/XXXX I sent a certified notarized letter with a signature recipient card attached. I received the card back from the post office showing Allstate Credit Bureau received the letter. However, I still didnt receive validation of debt documentation. I filed a complaint with CFPB on XX/XX/XXXX & XX/XX/XXXX however I still received no documentation. In addition, I filed a dispute with XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Furnisher has an obligation to ensure accuracy of information and to correct all errors. However, The Furnisher for  Allstate Credit Bureau is continuously breaking the laws of the FRCA and violating my rights. Lastly, I filed a complaint with the FTC on XX/XX/XXXX.
Consumer complaint received 2019-08-08
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. (TN)

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

I used LoanCare 's " Contact Us '' form to inquire about canceling my PMI in XX/XX/XXXX. They have not responded and there is no way to access communications on their portal. I am still being charged PMI payment but I have been able to cancel since XX/XX/XXXX.