davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (FL)

I was called on Wednesday XX/XX/26 and a woman from National Recovery Agency called and asked for me. I verified my name, and she asked me an incorrect address, I stated no and she replied oh that may be why and gave me her mini Miranda letting me know it was an attempt to collect a debt and disclosed all of my medical information without a proper piece of verification and on top of that seeming very rude. With being I victim of having my information compromised in the past and working in a collection agency myself I know not just a name is a proper and only piece of verification. There has been many times to where people have called pretending to be me to see what my business is, but fortunately companies who know the correct way to verify a consumer did not disclose any information without a correct verification.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian on their own placed a security freeze on my account and I have demanded that they remove it. They refuse to do so and expect me to provide a PIN that I don't have. I will not jump through their stupid hoops to get something removed that should not have been placed there in the first place.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I've asked for the following : Verification of the debt amount, including any interest or fees accrued. 
Documentation proving that your agency is authorized to collect this debt. 
A complete account history, including the original creditor 's name, the original account number, and any relevant dates or transactions. 
Any relevant agreements or contracts related to this debt. 
Confirmation that the statute of limitations for collecting this debt has not expired. 
I am aware that under the FDCPA, debt collectors are required to provide this information upon request. Additionally, I would like to remind you of my rights under the FDCPA, including the right to dispute the debt and request validation within 30 days of receiving your initial notice. 

Please be advised that any further collection attempts without providing the requested verification may be considered a violation of the FDCPA and subject to legal action. 

Furthermore, I would appreciate your compliance with any state-specific debt collection laws that may apply in this matter. Kindly include references to the relevant laws in your response.
Consumer complaint received 2021-08-30
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: HYUNDAI CAPITAL AMERICA (CA)

In XXXX of XXXX, I noticed a car loan was taken out in my name from Kia Motor Finance. I have never done business with Kia or its partnerships. I have filed many police reports and FTC reports trying to dispute this account as identity theft. I have been fighting ID Theft since XXXX of XXXX. I am trying to get loans and establish business credit but this account is affecting my financial abilities.
Consumer complaint received 2024-06-08
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY Reported : XX/XX/XXXX - {$690.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$690.00} Highest Balance {$690.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX  XXXX XXXX XXXX  Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX The law clearly states 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 communications with the consumer. 15 U.S.C. 1692c ( c ).
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LendingPoint Holdings LLC (CA)

In XXXX i came across a person that was advertising a opportunity to join invest into a business that was being promoted as a " online franchise '' that was going by the name of XXXX XXXX XXXX. After getting a bit of information from the guy through XXXX and seeing a couple of videos of him showing " income proof '' from people i was a bit more curious. He convinced me that the online franchise has a team of sales reps for people that close sales for you for people that have no experience closing deals and even had me talk with one of their top closers. After being convinced and having a long thought and being in a desperate situation they even metioned that they have connections that can get me funded so that i can get in on a there higher level packages. I ended up taking a loan out of XXXX with who they referred me too which was a lender that goes by the name of lending point. I was funded on XX/XX/XXXX in the amount of XXXX and was told to split that check in 2 and send the 1 check in a cashier check to the person that referred me to the system and 2 the person i talked to on the phone which was the closer. The rest of the amount was supposed to purchase traffic through traffic vendors. In which they provided within the system that linked to XXXX  XXXX XXXX XXXX..I was effected by the pandemic and was stuck paying off the loan. I have basically already payed to the lender about XXXX and it doesn't even seem like it has even put a dent on the loan and am still struggling financially from the impact that the pandemic has had and am beginning to get worried. I believe i had sent out a complaint to the ftc about this some time around XXXX and at this point have been trying to find and research for multiple alternatives because i believe that i shouldn't be paying back this loan when i was basically scammed. It was XX/XX/XXXX when i withdrew the 2 cashier checks and it was XX/XX/XXXX when i had the 2 cashier checks over nighted to the 2 addresses that iwas told to send them to.
Consumer complaint received 2021-08-31
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: PNC Bank N.A. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. PNC XXXX XXXX XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I paid the remaining balance on our XXXX XXXX XXXX off ( Comenity Bank ). Mine was {$200.00} and my husband 's was {$710.00}. The following month, we got new statements showing {$0.00} balances. However, they were charging me {$1.00} in interest and my husband {$4.00} in interest ( on XXXX balance ). I called as soon as we got the statements and was told the interest was carry over. She took my balance down to XXXX  and we closed our accounts, but she said she could not remove the {$4.00} on my husband 's statement. We then got a new statement showing he now owes {$9.00}. I called on XX/XX/XXXX and was disconnected twice after explaining my complaint and was told because the account was closed, they could not help. The third time I called I asked for a supervisor and again explained the situation. He stated that because I did not pay it off in XXXX, there was a fee that showed up on the next statement. I replied that the next statement was the one I paid in full and there should be no more fees. I told him even though it was only {$4.00}, it's the principal and that these fees could continue forever and it's quite a racket. He said it is completely legal and those fees would not be removed! I said I would take it all the way up to the president of XXXX, to which he replied, who do you think implimented it ....
Consumer complaint received 2019-02-01
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: NAVY FEDERAL CREDIT UNION (FL)

XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-08-30
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. (WA)

I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me.

Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!
Consumer complaint received 2023-02-04
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. (PA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. The disputed items do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX, PA XXXX PA XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00}
Consumer complaint received 2021-08-31
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: CBC Companies, Inc. (FL)

I did not authorize this company to pull my credit. I have asked Factual Data and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

FACTUAL DATA XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-01-30
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. (WI)

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon further investigation, I contacted each credit bureau XXXX and Equifax. I verified that XXXX XXXX is reporting account : XXXX illegally. This company did not have my permission to obtain my personal information to open an account. I have sent this company several notices in writing via USPS certified mail to inform them that my information was obtained fraudulently and to remove this information from my credit files. I have sent them a police report, an identity theft affidavit from FTC, and also from their company website and identity theft affidavit. All documentation notarized by the state of Ohio. This company has ignored my request to do a thorough investigation into this account. 
This company is also reporting misinformation to each bureau. On XXXX it says the closing date was : XX/XX/XXXX on XXXX the closing date is XX/XX/XXXX. XXXX XXXX is also reporting monthly an over the limit utilization rate when the account is closed and charged off. XXXX XXXX is also report to Equifax and do not have an address, social security number, phone number, nor original documentation on file stating this account belongs to me. I have asked for this company to send me proof of the account. They have ignored every attempt. I have a confirmation number from Equifax : XXXX regarding this dispute. XXXX XXXX is also updating the account with my current information I have sent in for the dispute, and I did not give my permission to do so. This is a violation to my consumer rights.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

XXXX XXXX - sold my car for a low price to an outside party. I still had over {$3000.00} worth of electronics in that car. They were suppose to close this account due to over the top Maitenance visits because the car had so many issues. On top of that. Every time the car broke down, I had to get it towed and paid out of pocket. XXXX XXXX was suppose to reimburse me for those tolls and did not fully pay me back. I asked over and over for someone to give me a call because I am owed money for those tolls. 

Credit Acceptance- still billing me and harassing me with phone calls after my truck was involved in an accident. I was not in the vehicle when this happen. The insurance company XXXX declared the truck as a Total lost. Now I can not get my truck registered again because it is now a total loss vehicle. I asked them to close this account because they did not accept the offer from XXXX for me to receive a check for my damages. They did not want to sign over the title because of my account status. The truck is not drivable and is parked due to tail end hit, and gas tank leaking fluid.
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/XXXX I received a letter from XXXX XXXX that I was approved for a Loan Modification and that my principal, interest and escrow would be {$1100.00} commencing XX/XX/XXXX. The loan was bought out on XX/XX/XXXX and OCWEN took over the loan. 

On XX/XX/XXXX OCWEN sent a statement stating my interest rate was going from 2.7 % to 4.75 % and my new loan payment would be {$3500.00}. Then my XX/XX/XXXX OCWEN statement stated I had a past due payment of {$100000.00} and my interest rate is now 5.375 %. 

When I asked OCWEN why the increase, I was told I had an interest only loan and that my loan amount should have changed on XX/XX/XXXX and I am now being charged for past due charges of principal and interest for the last 4 years 9 months.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion & XXXX are inaccurately reporting the account listed as USDOE/XXXX Account # XXXX the consumer agencies have not properly investigated this account that has several discrepancies. 

Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - XX/XX/XXXX Date Reported : XX/XX/XXXX - XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Creditor Type : Student Loans- Miscellaneous Finance Creditor Remarks : Account closed due to transfer - Account transferred or sold Student loan Last Payment : - XX/XX/XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-08-31
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. (NY)

I am a victim of identity theft. I learned that my personal information was used to open an account at XXXXXXXX XXXX XXXXXXXX on XX/XX/21. I did not open or authorize this account. I filed a police report regarding this identity theft crime. 

Over the past three months, I have disputed this account with Experian several times. XXXX XXXX  XXXX sent me a letter on XX/XX/21 which states that the account was opened fraudulently, and I am not responsible for payment on this account. In the last dispute, I uploaded following document to Experian between XX/XX/21 - XX/XX/21, but Experian still refused to move the fraud account from my credit report. 

Copy of the statement from XXXXXXXX XXXX XXXXXXXX Copy of the statement of fraudulent application for XXXX XXXX XXXX Copy of the police report
Consumer complaint received 2021-08-31
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: CORELOGIC INC (FL)

I did not authorize this company to pull my credit. I have asked Credco and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-02-24
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. (TX)

I have contacted this company and followed protocol for this account being compromised by a burglary/Identity theft several times and company failed to correspond to my concerns and has my identity and filed a police report and company still damage my credit by reporting inaccurate information. I want the information deleted from my credit report immELETEediately