davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

I have been constantly dealing with my mortgage company on a misapplied payment that took place in XX/XX/XXXX. Needless to say I have been calling constantly, and have been passed off to several departments and individuals. Each time I finally get an individual, they promise they will follow my issue to resolution. Needless to say, this has not happen, being the last and most current person I started communicatimg with in late XX/XX/XXXX. Still no resolution! 
During the time since XXXX working on a misapplied payment, they verbally admitted to me that my Homeowners Insurance was cancelled in error by the company. This was confirmed from the agent I'm working with now. He admitted to this error after listening to recorded telephone calls. He assured me he would resolve this issue, along with the missing payments. 
I have received numerous promises for call backs, even given specific dates and times he would call. Last promise date was last week, my last call was Friday XX/XX/XXXX, the CS agent stated she would contact him my email for a return call to me since he was put of the office, again no call back to date. In addition, I have sent WQR, and the have not received responses as back to me legal time frame. Please assist me in getting these issues resolved. 
Thank you!
Consumer complaint received 2020-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (IL)

Overtime I received invitations from OneMain Financial to apply for a loan. Many communications have stated that I was prequalified. On XX/XX/2020 I applied online for a loan with OneMain Financial and received an email stating that I was approved, based on verification of my identity, address, and monthly income. I verified this information online and over the phone with a local representative. I also provided a copy of my drivers license showing the photo as requested. After several phone calls with the local representative I was told they could not provide me with the loan because of my financial situation. During the calls, the rep asked what I needed the money for and I explained that I was pregnant, due to give birth in a few days, and wanted to pay down some credit cards. This is when I was told they could not provide me with the loan. To date I have not received a notice stating the reasons I was denied.
Consumer complaint received 2020-03-03
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. (OH)

XXXX XXXX has made an incorrect item report on my credit report. I was not an authorized user on the account as XXXX credit was sold to XXXX XXXX. There is no contact at synchrony any longer to have this issue taken care of in regards to a XXXX credit card. As I call XXXX XXXX there is no evidence as me being an authorized user on the XXXX credit card. They are unable to remove the item from my credit report. I made a dispute on my equifax.com in XXXX and it is still pending. I need some direction as to how to get this taken care of and cleaned up as soon as possible.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Request : Cease and desist all communication XX/XX/2022 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, Virginia XXXX Portfolio Recovery Associates, Portfolio recovery you are sending me documents that state this communication is from a debt collector but is not an attempt to collect a debt. I have received four letters as of XX/XX/2022. I have requested a cease and desist in the past. Once again I am asking you Portfolio Recovery to cease and desist all communication with me. I WILL NOT PAY THIS ALLEGED DEBT. DO NOT SEND ME ANY MORE LETTERS! 

The Fair Debt Collections Practice Act states congressional LAW.

15 U.S. Code 1692c - Communication in connection with debt collection.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
I have attached the letters that I have received this month. If I receive any more letters I will notify the CFPB. 

This is harassment! 

15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

For the past few months, I've been writing letters to Penn Credit requesting verification of this account. I even filed a complaint with you last month asking you to enforce my right to dispute and receive validation of the debt. I have received no response at all from Penn Credit, and now I know why. ALL the mail that I've sent to them was returned to me, in bulk. ALL of it. They moved, and they did not update their address with the credit bureaus, which is a requirement under the FCRA as they have to report 100 % factual information to the bureaus, if they are going to report at all. They have violated my rights granted under the FCRA, FDCPA, and FACTA, all by reporting incorrect information to the credit bureaus! Last month, I demanded justice, this month, I make the same demand. FIX THIS NOW! I have attached a credit report from the credit monitoring service that I am enrolled with, which clearly  shows an address that they are no longer receiving mail at.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Sent certified mail to validate alleged debt in which they failed to validate debt. Also, mailed failure to validate debt letter with no response. This is not my debt. I do not own this debt. I wish to have this debt removed from my credit report to never return.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to XXXX XXXX TransUnion XXXX, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to TransUnion with a copy of the police report attached and asked to remove these accounts immediately.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MS)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks,
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

I would like to bring your attention to a serious issue I have with Kraken wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing Kraken 's services in the total amount of XXXX GBP!, I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Kraken.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have had my credit card with Penfed for 2.5 years and the credit limit has been stuck at that the starting limit. I have tried to apply for an increase and was get denied even though I have perfect credit. I believe they are discriminating against me.
Consumer complaint received 2022-09-30
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. (OH)

Mailed dispute letters XX/XX/2022 to XXXXXXXX XXXX and transunion. Sent a demand to comply letter XX/XX/2022. No results received, nor any communication
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NV)

XX/XX/XXXX my bank account was hacked for {$500.00} my federal benefits bank is connected to XXXX XXXX you need legal unauthorized transaction occurred. I had {$5.00} on my XXXX XXXX  account my bank account was linked to XXXX XXXX  eye contact XXXX XXXX  over the phone they did an internal investigation and discovered It's transaction did not transpire to my phone but from an unknown source they implied that it was my bank responsibility and they were not responsible. My bank inform me that they saw no calls of their error and told me that I was liable for that mistake or transaction I did not authorize {$500.00} to leave my account I did not even have {$500.00} on my XXXX XXXX I do not have on the digital receipt that's on my smartphone that you can not remove any information nothing about {$500.00} entering or leaving my account I also get knowledge to check excuse me XXXX XXXX it crashed and XX/XX/XXXX They were offline for four or five days a nasty for some resolution my bank is going to charge me for that money They asked me to send them G trans transfer paper or the digital print on my phone I don't know how to do that and also a email did occurred that I can't find it recharged came from an unknown source and had an icon of a cell phone When you please help me reserve this issue thank you
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IA)

XX/XX/XXXX I received a notification on my credit report that my score went down because of a new " delinquent account '' XXXX in the amount of {$1400.00}. It opened in XX/XX/XXXX and closed in XX/XX/XXXX. I have never lived in a XXXX service area, ever! And certainly not during the time of the " open and close '' dates of the account. 

I WAS NOT EVEN CONTACTED BY THIS COLLECTIONS COMPANY IT JUST SHOWED UP ON MY REPORT AS MINE AND DELINQUENT.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P. (FL)

This company has called me to my previous work number constantly throughout the work day. As well as stated they where handing my debt to an attorney and constantly call throughout the day. I have received no letter in the mail regarding the debt and I've only received harassing phone calls constantly throughout my workday from different phone numbers, as well as them putting on my credit report that they are handing my debt to an attorney.
Consumer complaint received 2020-03-03
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: Experian Information Solutions Inc. (FL)

Some time back ( years ago ) my wife and I froze our credit reports. We are in the process moving to an apartment in Massachusetts and need to temporarily unfreeze the accounts. 

I tried to do this today -- XX/XX/2020. 

XXXX  was easy. They have a user friendly website and I was able to unfreeze both accounts. 

On the other hand, both Experian and XXXX  have very unfriendly websites and useless phone numbers that walk you down deadends and then hang up on you. XXXX  uses XXXX people who are very difficult to understand. 

I can not unfreeze the two accounts and am very frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX   XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

I received a debt collection letter from collection service. Was told that they were giving me a discount and that by paying {$160.00} plus a {$5.00} service fee for doing a future programmed debit payment the debt of {$200.00} was going to be resolved and that I would be cleared of the whole debt and also cleared with XXXX. XXXX was the original debt owner. I did not have work so I couldnt pay it off then. After the payment was taken I was told it was going to be cleared with XXXX. It was not, XXXX has me owing {$45.00} and when I contacted the collection service about this they stated they no longer have my account with them and that I need to pay {$45.00} to XXXX. The collection service was supposedly going to transfer me to a manager after I mentioned consumer affairs for not telling me the truth then tried to misguide me with other supposed options. I hanged up and checked in consumer affairs website and it was here that I needed to file my complaint. Supposedly on all conversations with the collection service all calls were being recorded and monitored?
Consumer complaint received 2020-03-04
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. (AR)

A few months ago upon reviewing recent copies of my credit report, I realized that my identity had been compromised and I have become a victim of identity theft. I immediately notified the three major credit bureaus XXXX, Experian, and XXXX. I sent out numerous dispute letters along with supporting documentation. I recently submitted an identity theft report from the Federal Trade Commission which included some of the Fraudulent accounts in question. In addition I attached a copy of my drivers license, social security card, and a utility bill. After noticing fraudulent personal information listed on my report, I submitted and updated personal information request to remove all fraudulent outdated information including incorrect or wrong names, phone numbers, addresses, and etc. I have yet to receive any verification from Experian in regards to my dispute and it has been well beyond the 30 day time frame allotted under the Fair Credit Report. Experian has violated section 605b, 609, and 611 under the Fair Credit Reporting act and should be held accountable.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I opened up a checking and savings account. I had to transfer XXXX every first of the month. If not i was charged a fee. I was also charged a fee for not using my debit card 10 times in a month. But i would pay bills and use my card online just not in a actual store. And also sold our personal information without our permission
Consumer complaint received 2020-03-03
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. (CO)

Equifax is reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX XXXX partial account number XXXX and partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these ( 2 ) accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-03-03
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. (MD)

I mailed a certified dispute letter to Transunion, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Transunion and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date the account was open is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX  to resolve and to find out the correct amount owed and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.