davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (FL)

On XX/XX/XXXX I noticed on my XXXX  and XXXX  credit reports a completely invalid debt from Wakefield and Associates. As per my credit report this illegal debt is from XX/XX/XXXX. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the FTC and XXXX  because to my knowledge I do not recall any of this account. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly I am being ignored. I demand this account be deleted immediately or I will file for litigation due to the stress I have been caused. Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove said item from my credit report it has been 50 days so they should be deleted promptly.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (GA)

Collection agency Vance & Huffman purchased this debt from XXXX XXXX. The original date of this debt was XX/XX/XXXX. Vance & Huffman is deliberately re-aging this account to show it as XX/XX/XXXX in an attempt to affect my credit rating, cause denial of credit and to cause me higher interest rates & loan terms. I have asked them for all media pertaining to this debt as I have the original contract opened up in XXXX.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NJ)

I recently closed on my home with Freedom Mortgage at the end of XXXX. On XX/XX/year>, a payment of {$1100.00} was deducted from my bank account as part of my semi-monthly mortgage arrangement. However, this payment was not applied to my mortgage account. Subsequently, on XX/XX/XXXX, my mortgage account was transferred to a new servicer who did not receive the payment. As a result, I contacted customer service, but the representative was unable to provide clarity on why the payment was not applied on the XXXX when it was made. It is crucial that my mortgage account reflects the correct balance, and that the missing payment is promptly applied to my principal. I also sent a message to CEO, XXXX XXXX through XXXX.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX  XXXX # XXXX this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on Experian. ok payments XXXX through XXXX for XXXX & Ok payments for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Delete for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on Experian reports XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy because the payment history reflects last payment XXXX on Experian. XXXX reports it charged off 60 days late. XXXX reflects nothing. 
XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. Experian is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. XXXX has no payment history reporting. 

I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. 

Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. 

The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. 

I prefer to be contacted only via mail or email for any correspondence regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Ever since I received a VA loan from Navy Federal Credit Union in XX/XX/2019, I have been receiving 2-3 letters per day to refinance into " very low rates. '' I called Navy Federal and asked them not to share my information, and I continue receiving letters. This credit union appears to be taking advantage of the " Navy '' brand and its members to peddle our loan data to low quality vendors. Please have them stop.
Consumer complaint received 2024-02-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (WA)

Phoenix Recovery XXXX XXXX is not contracted by XXXXXXXX XXXX XXXX XXXXXXXX to collect debt as the Manager informed me. They have their own collection agency which is not Phoenix Recovery. I have been going on with this for years now with this agency to remove this account off my credit reports. 
I have also requested for validations from them through sending certified mail on occasions but to no avail. They keep insisting that they work for XXXX XXXX XXXX XXXX as their collection agency. I would appreciate it if you could do something about this as it is hurting me from acquiring an apartment here in XXXX. 
Furthermore, the manager at this Apartments said she had no information regarding my stay there. I left XXXX almost 7 years ago for work. I travel from state to state.
Consumer complaint received 2021-01-06
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: JPMORGAN CHASE & CO. (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

I have had a card with Victorias secret for years. Covid job loss got me behind on my payments. I got all of this caught up and closed the account in XX/XX/XXXX. I have asked on many occasions to change my pay date as it is a real problem for me. They refuse. I put in a payment in XX/XX/XXXX and they didnt process the payment for 3 days. They said the payment wasnt paid and I was charged a XXXX late fee and a XXXX returned check fee. It also took XXXX points from my XXXX report for one late payment. The card is consistently adding interest and fees, even though the account has been closed. They reported to a credit bureau that I was using 102 % of my credit when my limit is {$700.00} and I owe {$570.00}. That is not 102 %. They are XXXX to destroy peoples credit.
Consumer complaint received 2021-01-06
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. (LA)

Almost 60 days now since I've sent disputes for those inaccurate and unknown accounts on my credit report but there's no response yet. I demand to DELETE ASAP those accounts or I will file a litigation.
Consumer complaint received 2021-01-06
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. (AL)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (IL)

I have contacted the company and the collection agency regarding the error of this account and it being related to fraud. They both have failed to get requested documentation to me as well as respond to my written and verbal request to provide proof of the validation of debt.
Consumer complaint received 2021-01-03
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Thank You
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (RI)

My entire XXXX federal tax return was deposited into a PNC bank account I do not know or have any affiliation with. XXXX XXXX XXXX XXXX reached out to PNC bank in good faith to get the funds, they REFUSED to send them back. Their client got my entire tax return and they will not give it back
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CA)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2021-01-06
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. (NC)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : US DEPARTMENT OF EDU XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

I've held a Venmo account for some time, but hardly ever use it. 

Recently on XX/XX/XXXX, after trying to transfer a small amount of funds I was informed that my account was frozen. After reading articles that provided no information why, I contacted the company and asked for more information. They responded with a canned email saying read articles online and that they had sent me an email... .however I received no such email or response regarding why or what to do. I then again requested the reason why and then received a response saying that my account was being deactivated. 

I do not know why they have done so and they are also holding {$200.00} of my money for " Loss Prevention '' If they are not going to reactivate my account, provide the information why ... .I dont know what else to do but file this complaint. I want my account reinstated or my funds.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MS)

My American Express account and card, I had money stolen from me. {$4800.00} dollars. My way to go car Tennessee I had XXXX dollars. MY TAX REFUND WAS STOLEN. MY XXXX THROUGH XXXX tax refund WAS STOLEN FROM me
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 5th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (UT)

I previously summitted a complaint in regards to a couple late payment 's being reported on my Mortgage loan. United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/20 & XX/XX/20 and I was never late. They stated that the representative when I called in to make my payment in XXXX failed to run the payment and they will request for that late to be removed but there is no late being reported in XXXX. They also stated I was setting up my auto draft online, which I request the representative set up my account in auto pay when I called in to make a payment. I was not contacted when the account defaulted, I did not receive any calls, notices or letters. If I was made aware of the auto draft not being set up I would have called and made my payment to avoid the late notations. These late 's are erroneous and need to be removed from my credit file. This is the representatives fault for not setting up my payments or running my payment. I need the XXXX and XXXX late 's removed. I was not late and never have been.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express customer support person on the second week of XXXX tried to get me to give her my Bank account number. I thought it was fraud actually from the aggressive tactics she used. I reported her to Amex then all of a sudden a card that did have {$8000.00} on it was immediately cut off after this same person told me in fact encouraged me to use the XXXX XXXX  instead so I traveled to XXXX. 

I tried to use the card that they told me to use and I got stuck in a city without use of a credit card to secure a room. THIS IS AN UNFAIR AND XXXX  BUSINESS PRACTICE. I WOULD HAVE NEVER USED THE CARD. THERE IS A SNOW STORM COMING AND I BASICALLY HAD NOWHERE TO STAY. 

I AM XXXX XXXX  AND I BELIEVE THIS IS ALSO A MATTER OF XXXX DISCRIMINATION.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUSTMARK CORPORATION (PA)

On ( XX/XX/2024 ) I sent an Identity theft letter to ( TRUMARK FINANCIAL CR, XXXX XXXXXXXX XXXX XXXX XXXX ). I have not received a response nor has ( TRUMARK FINANCIAL CR, XXXX XXXX, XXXX XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( TRUMARK FINANCIAL CR, XXXX XXXXXXXX XXXX XXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I notified Transunion of fraudulent and unauthorized inquires on my credit report and transunion responded that they verified FRAUDULENT INQUIRES
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

My Mother stopped service with XXXX XXXX XXXX because of horrible support. She switched carriers. But XXXX XXXX XXXX turned account over to collection. And even turned another account in my name to same collection. 

I mailed Credence Resource Management on XX/XX/2020. And disputed the debt. And I requested on statement that all collection activity be halted for at least thirty calendar days. The certified letter was received on XX/XX/2020. 

However, Credence sent me letter post dated XX/XX/2020. In violation of Fair Credit Collectors Practices Act.