davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (VA)

I asked Hunter Warfield to only contact me by mail in a letter dated XX/XX/2022. They have continued to call myself and my husband, sometimes multiple times in one day, despite my request. They called me three times today, XX/XX/2022. I have also requested proof of a debt they claim I owe, for which I am not liable. They have not provided proof. I also requested information about their debt collection license, which they have also not provided.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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.

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 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted Experian, XXXX, and XXXX regrading an inaccurate reporting of a court bankruptcy public record from 2014, which is no longer list on my XXXX Credit Report. I have asked for this discrepancy to be removed from my Experian and XXXX Credit Reports.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I made a payment with a cashiers check that cleared through the bank on XX/XX/24 for XXXX. As of today, Citi has not credited my account. I called in a missing payment dispute on XXXX and received a response on XXXX that a {$47.00} payment had been credited- evidentially the call center person I spoke with entered the wrong amount somehow. I called back and had to start a new dispute, and the individual told me it would be 45-60 days to resolve.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Diversified Adjustment Service, Inc. (IL)

1. Public record- XX/XX/XXXX-Reference number XXXX : Account in question was never filed and the courts report no record of initial documents. Letters were sent onXX/XX/XXXX and XX/XX/XXXX requesting that all 3 bureaus please review their records, and verify the account number, and date associated with this item as it is negatively impacting my credit score and do not match my records. My request was to remove this account from my consumers credit file. My request was ignored and it has been 60 days which is a direct violation of the FCRA. 

Additionally, the following 3 accounts are not mine ; the XXXX XXXX account was paid in full and should reflect this on my credit report. These accounts were reported as inaccurate onXX/XX/XXXX. Re-investigation was requested on XX/XX/XXXX and I have not received a response : 1. XXXX XXXX XXXX Account # XXXX, Amount {$820.00} 2. XXXX XXXX -Account number XXXX, Amount $ XXXX-Original creditor : 11 XXXX. 

3. XXXX-Amount $ XXXX-Original creditors-XXXX 4. XXXX XXXX-Acount should reflect PAID IN FULL.
Consumer complaint received 2022-11-06
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: SYNCHRONY FINANCIAL (MD)

XXXX XX/XX/XXXX I ordered furniture from XXXX XXXX who offered me credit from XXXX XXXX XXXX XXXX Synchrony Bank, I accepted the credit offer since they would not charge the card until furniture was delivered, which should have taken no more than a month to be delivered. I checked in with the furniture store a month later to find out the status of my delivery only to find out that they have no idea when the furniture was going to be delivered, according to XXXX it could be XXXX or XXXX of the following year, immediately I sent her an email stating I wish to cancel order immediately because I can not wait that long for the furniture. I then called Synchrony Bank and asked them to cancel credit card. XXXX XXXX reached out to me asking me to reconsider keeping the furniture and my response was the same cancel the order. In XXXX of XXXX they attempted to deliver the furniture to my home which I did not accept. 
They then charged the credit card almost {$800.00} for restocking fees and Synchrony Bank paid them. I have reached out to the bank several times and discuss the issue with them and sent all communications with the furniture company to them as well. To date they have not and refuses to remove it from my credit and obtain the moneys back from the company. Instead they told me the credit card and the bank have an agreement so they are unable to resend it. This all happened after I have already called the bank prior to them delivering the furniture. When they finally cancelled the order they returned half of the funds to the credit card company instead of all of the funds. They claimed the rest of the funds were for restocking fees, ( see attachment # XXXX ) there should not have been a restocking fee because order was cancelled way before furniture arrived at their warehouse.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Equifax ; XXXX and XXXX are failing to report that the following account is in fact In Dispute. XXXX XXXX   XXXX  partial account number XXXX. XXXX and XXXX are failing to report XXXX partial account number XXXX is in fact In Dispute. XXXX is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2022-11-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was never contacted by this company. One day my neighbor grabbed my package for me while i was at work and there was a very embarrasing packet on my porch stating that I was being sued. it wasnt in an envelope or anything.They have not once made contact with me or left a voicemail. It is also very humiliating when your neighbors tel you that you are being sued. Thats kinda personal.
Consumer complaint received 2022-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IL)

I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from XXXX XXXX XXXX claiming I owe {$420.00} to PayPal , Inc . This is not my debt I've never made any such charges and I always pay Paypal instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with PayPal and I never made a charge in that amount. This is a scam and/or identity theft.
Consumer complaint received 2020-06-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (GA)

XX/XX/2019-I filed a loan modification because my mortgage went up about XXXX extra a month. ( XXXX a month ) I was put on a loan modification, which put a 2nd lien on my mortgage if XXXX.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I asked XXXX to give me a quote for internet, they asked for my social security and ran my credit, I never signed anything and ended up buying internet with XXXX, now I find out I have a collection from XXXX from 11 CHARTER COMMUNICATIONS LLC for {$170.00} I don't owe this company anything and because they put a collection on my credit report I have been in a very bad situation. 
I made a dispute trough XXXX XXXX and they responded I owe this but I don't. 

this is the collection information : Collection Agency AMSHER COLLECTION SERVICES INC Original Creditor Name CHARTER COMMUNICATIONS LLC Date Assigned XXXX XXXX XXXX Original Amount Owed XXXX Amount XXXX Status Date XXXX XXXX XXXX Status UNPAID Balance Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
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. (IL)

Equifax I have a monitoring service and can't access my credit file. I was asked several times to send in documents verifying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last XXXX XXXX  weeks about my file and all I get is the runaround. I asked to be credited for the product I am paying for and they won't grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can have been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will prepare to take legal action against Equifax and the original creditors.
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

I have a loan through 5/3 Bank on a XXXX XXXX XXXX. This vehicle was stolen from my place of employment on XX/XX/XXXX at approximately XXXX. Security cameras at my job verified the theft and the XXXX XXXX Police Department have deemed this a total loss due to inability to locate said vehicle. I spoke with 5/3 Bank on several occasions at the beginning of this process to make them aware that the vehicle was stolen, I was initially told by a 5/3 representative that they would defer/halt the loan and payment due XX/XX/XXXX if the vehicle had not been recovered. I have spoken with them numerous times trying to keep them updated on insurance and the claims process. On XX/XX/XXXX I made contact again with 5/3 Bank, explaining insurance had deemed this a total loss and asked them to defer the payment due XX/XX/XXXX to the back of the loan, in order to allow insurance to finish processing the claim and provide further information. After speaking with 4 representatives I was told they would not assist me and they could not defer my payment because the excuse of a stolen vehicle was not sufficient. The same day XX/XX/XXXX, our insurance adjuster XXXX XXXX with XXXX XXXX XXXX sent 5/3 Bank 's total loss department an email confirming the total loss and pending paperwork. Today, XX/XX/XXXX 5/3 Bank has begun harassing me by calling several times an hour to receive said payment. 5/3 Bank confirmed they received the email from our insurance and still have refused to assist us, claiming our stolen vehicle is not a valid enough hardship to defer a payment. They have not only harassed me via telephone, 5/3 Bank has also told me I know owe them 3x the monthly payment of {$590.00}. This has been a very challenging time for my family as I have struggled to make it back and forth to work without a vehicle while waiting for this process to be resolved. I have made every effort to communicate, provide information and paperwork to this bank. The result has been being treated like a second class citizen to a bank that I have NEVER missed a payment with, being spoken to in a condescending and insulting manner by 5/3 Banks total loss and hardships department, and finally now being harassed. I communicated appropriately about this situation from the beginning and feel this bank needs to be penalized for their unprofessional behavior, like they have penalized me, my family, and my credit, during this hardship.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Beginning XX/XX/XXXX I have contacted Capital Ones Fraud team to inform you all my account was improperly closed, as I was scammed restore my accounts. Below is the communications with the local Precinct and Also contact for XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Report Number : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called Transunion abo ut 2 weeks a go because they had a glitch within their company that caused my inquiries to be deleted and then they were re-added without giving m e 5 no tice as is required by law. When I contacted them, I was told that they were not going to remove these inquiries. I am requesting that the following inquiries be deleted from my report, as this is causing an undue hardship and is damaging to my credit.      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    XXXX   XXXX ,  XXXX  Please make Transunion stop victimizing me!!     Thank you!
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IN)

On XX/XX/XXXX I spoke with XXXX XXXX about refinance and decided on XX/XX/XXXX not to proceed with refinance with them as I received a better rate. Contacted Mr. XXXX on that date and asked that he forward my loan to XXXX XXXX XXXX. After speaking with my Mortgage lender I was informed that Mr. Cooper did not forward this information. Contacted Mr Cooper and was informed that I submit it in writing to the underwriting department and was given the email address and was informed that it would take 3-5 business days to be released to my new lender., I submitted the letter dated XX/XX/XXXX to the email provided. On XX/XX/XXXX I was informed that this did not occur, I contacted them again and spoke with XXXX in Customer Service and he stated that he would email his supervisor about the issue and the supervisor would be contacting me. I have received no response, this has been going on for over 60 days. I would like my FHA loan transferred or a person to call me back.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (MO)

Sent information about XXXX and Reliant Capital Solutions validation of debt responses. 

Made, I believe two errors, " Scholl '' and " XX/XX/XXXX '' ... I did not proofread before submitting, but not only standby the statement as I assume it still clarifies my point about a document signed by someone other than myself. 

The " Scholl '' error should read as " School '' and the " XX/XX/XXXX '' should reflect " XX/XX/XXXX ''. Either way the structure and grammar was used is still foundational and valid towards the point of being on campus to sign a document in XXXX regarding a XXXX XXXX dollar debt. 

First validation effort had a thirty day window to resolve and extra time was given nonverbally due to COVID crisis. RCS requested validation of debt and it at first was not mailed to consumer at all, but also did not get addressed in full until XX/XX/XXXX. 

Third validation off debt attempt provides supportive documentation regarding document, stated to be signed in person by the natural person, " Promissory Note '' in excess of four thousand dollars, yet school records indicate no agreement by consumer and school to resolve matters in person and additional documents can support alibi of geographic location during the time of this document being possiblely forged ( please review bank statement ) RCS states they sent a letter in snail mail regarding validation of debt and nothing has come in the snail mail ever from RCS to XXXX XXXX XXXX and if so, it didnt reach me ... even with a dedicated mailroom and leasing office available for snail mail pickup. First time seeing any itemized statement is XX/XX/XXXX. 

No written agreement for removal of debt for payment arrangements has been tangibly made as of XX/XX/XXXX even though both accountszhould be deleted per both FCRA and FDCPA.
Consumer complaint received 2022-11-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was never contacted by this company, not even a voicemail. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates LLC has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Service Company, INC (CO)

I received paper to go to court on this matter XX/XX/2019 at XXXX XXXX  in XXXX, Co No one from the Credit Services ever showed up and I was there till XXXX XXXX. 
Then in XXXX I got some papers ordering a judgement from Credit Services. I called them and Credit Services and I made arrangements to pay the Credit Service. We settled on {$2200.00} I told them I wanted a copy of the payment and everything that got paid. I never received anything from them. On XX/XX/XXXX Credit Services took money out of my account and my XXXX XXXX XXXX account. {$390.00}, without me knowing anything. Credit Services keeps calling me and saying I still owe them money. They never sent anything to the Crdit Reporting agency to up my Credit Score, I keep telling the to Send my copy 's of my account and they never have. I am a XXXX  mother of a XXXX XXXX XXXX and I was trying to work with the Credit Services to pay the XXXX bills and it seams like they just keep wanting more money. I have had to take time off work for court hearing and always worrying if the Credit Service is going to take more money out of my account. I closed my XXXX  account because of all this mess.
Consumer complaint received 2020-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PREFERRED CREDIT INC (VA)

XX/XX/XXXX I had the XXXX XXXX XXXX  come by my house and give me a demonstration and at the end of the demonstration I decided to purchase the bed and when I did they wanted to get the money right away or me sign for this credit : Preferred Credit, inc. Or pay a higher price if I didn't purchase the bed the same day, basically bullied into going with this Preferred Credit Inc. After paying for 9 months I called the Preferred Credit and decided to make an extra payment and got the payoff amount. I decided to make a payment of {$2000.00}. They told me that I have an installment plan, and that the {$2000.00} would not go to just the principle. So all the time I wasn't getting any statements to see what they were doing, I asked them to send me statements when I called in XX/XX/XXXX and I just recently got a statement for the first time that I had to call them for the third time XX/XX/XXXX it arrived XX/XX/XXXX. They told me I was not allowed to call them anymore and would be charged {$10.00} every time I talk to a agent and was referred to the website to look at my statement so I did and that's when I discovered that the payments I have been making to the principal was not equal the amount that they were showing and they took more interest off of the XXXX I paid that I believe that they should have. I don't understand this company the way the interest is calculated seems to be every month is different. I want to get out of this contract and pay this off immediately but they do not want to discuss anything over the phone and they're saying that I owe more money then obviously I paid so they seem to be treating me unfairly and paying more interest than nessary.