davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Was called by portfolio recovery associates and the caller said they are trying to collect a debt from XXXX XXXX. When I asked the caller if Portfolio Recovery could produce a contract that I owe them the money She said that they bought the debt and the contract and I know owe the debt. I told her that I am disputing the debt and that they have no right to report this to the credit agencies and she told me that they are going to continue to report this and were going to continue to call me even thought through letter dated, XX/XX/2019 to Atty. XXXX XXXX XXXX MA who said he was representing Portfolio recovery, and phone called today XX/XX/2019 @ XXXX XXXX EST. I told them to stop contacting me. When I told her that I was going to end the call she said that they would continue to contact me and that I could do whatever with the call and then she hung up on me.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove any other name from my file they are not right ( XXXX XXXX XXXX 
My address is XXXX XXXXXXXX XXXX  XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX
Consumer complaint received 2022-12-15
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. (SC)

This is the numerous times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : XXXX
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-23
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: EQUIFAX, 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. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my right. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. 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 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 2022-04-23
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. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my right. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. 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 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 2022-04-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

You are making false statements in your response to my prior complaint ( XXXX ). Im not sure if your doing this on purpose or out of lack of knowledge of the law You stated, It is important to note the article referenced in your complaint applies to commercial transactions and is not applicable to your consumer loan application. 

If you look at the most recent amendment to 15 usc 1681b, which is public law 116-283, 134 stat. 4594, it clearly defines section 1681b as the Fair Credit Reporting Act.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (NJ)

XXXX account number # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15.U.S.C 1681 section 602 A.states I have the right to privacy 15. U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15. U.S.C 1681C ( a ) ( 5 ) section states.no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (WA)

I have a balance on my Upgrade credit card of {$3700.00}. I went to the website to schedule a payment for XX/XX/2022 ( the bill is not due until XX/XX/2022 ). The company will not allow me to make a payment before XX/XX/2022. 

When I called and asked why, I was told that because I have auto-pay on I can not make a payment before the auto-pay runs on XX/XX/2022. I was told that this is so people do not make double payments. 

However, what this actually does is make it so I will be charged 26.94 % interest on the portion of the balance that isn't paid off with the {$110.00} monthly payment. I could avoid that interest if they allowed me to make the payment now. But they will not do that.
Consumer complaint received 2017-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (HI)

We purchased a home in XX/XX/XXXX for $ XXXX with 10 % down payment so we were forced to open an escrow account and pay PMI - due to mortgage debacle we were not permitted to finance a 80/10/10 loan as we did with our first home - even though we have an excellent credit score. In XX/XX/XXXX we took advantage of an offer by CitiMortgage ( big mistake ) to lower our interest rate. In the process of the paperwork, they " appraised '' ( on paper ) our property far below our purchase price - at $ XXXX I believe is the number cited over the telephone. Our loan amount was $ XXXX. The home was not physically appraised and I never knew they changed the value of our property as I was advised no appraisal necessary and I do not believe I was given a copy of this form as I do not have it with our closing loan docs. I called CitiMortgage several months back to inquire about removing PMI because our house is worth significantly more than we paid. That 's when I was informed that the appraised value is {$290.00} and our loan {$280.00} - so we were a long way off to reaching the 78 % LTV. I was told I could have an appraisal at my expense - fine - I asked if I could use an appraiser of our choice ( because I do n't trust them ) or was I forced to use one of their choosing. They said I could use one of our choosing, as long as they were licensed to perform appraisal in the state HOWEVER - they said they would review the appraisal BUT that the holder of the loan ( XXXX XXXX ) did NOT have to approve our appraisal. I know for a fact that a bank does not loan more $ than the appraised value on a loan and asked several people within CitiMortgage about this including a supervisor and they went silent - they could n't answer my question because they knew I was right. If the appraised value is less than the loan amount, the purchaser must come to close with the additional cash. I then asked for a copy of the supposed appraisal and the representative over the phone said he put the request in and a couple of weeks later, I received a letter from CitiMortgage stating they could not provide and I would have to obtain from a third party ( not surprising - CitiMortgage has always given me the run around-always ). Now they have sold my loan to XXXX XXXX  effective XX/XX/XXXX - I have no idea what 's in store for us now ). Our property tax records are showing the assessed value ( which is always lower than market value ) at $ XXXX for XX/XX/XXXX. Homes in our neighborhood are selling mid 400s as we speak. I would like to know what I can do. I am furious that consumers are held hostage and mortgage companies are allowed to break the law - they refuse to remove the PMI even when LTV is well above 78 %. They continue to raise our payments every year for the escrow account " to create a cushion in our escrow account. '' I 'm tired of them holding our money and us being forced to pay PMI. We have never been late or missed a payment and again our credit score is still over XXXX. Any advice would be much appreciated.
Consumer complaint received 2016-01-01
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

RE : XXXX XXXX ( XXXXXXXXXXXX ) We have multiple complaints regarding this company, but the main one of concern is the use of other parties to contact us on behalf of the company. I personally have sought to find remedy to this issue with the agents that contact us directly, yet have found no resolution, nor have I had any contact regarding this issue since I made a request for more information surrounding our current balance and explanation as to who the third party in question is. 
I was a joint debtor on an auto loan ( acct. # XXXX ) through PFS until we voluntarily surrendered the vehicle XX/XX/XXXX. On XX/XX/XXXX, my husband, XXXX XXXX XXXX, received correspondence from a party named " XXXX XXXX '' via the social media website XXXX regarding the auto loan, asking us to contact XXXX XXXX of PFS. 

XXXX XXXX, a collections representative for PFS, found it acceptable to use a third party unrelated to PFS ( XXXX XXXX ) or ourselves to contact my husband regarding the vehicle on XXXX. I have proof of the correspondence between this party and my husband that I 've only recently discovered. 

We no longer have the car, and have been asking for statements as to how much we owe on the vehicle. We have not received the statements that we have been asking for, and have paid {$300.00} a month since XX/XX/XXXX per an agreement with PFS. According to PFS, we still owe approximately {$8000.00} left on our installment agreement. PFS and its agents are blatantly ignoring all requests for information. 

In addition to this, we also have further documentation that they have previously contacted my husband 's place of employment after being advised not to, which lead to his job security being threatened. He was advised that he would be subject to termination if collection attempts to his HR department continued, and they did for at least 1-2 more additional attempts. 

We are trying to resolve this with the representatives directly, but they have been ignoring my written correspondence altogether. Any assistance I can receive in remedying this issue would be much appreciated.
Consumer complaint received 2022-04-22
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)

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. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Bank Account # XXXX, has violated my rights. 

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

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

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

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

XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-04-22
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. (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. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my right. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. 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 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 2022-04-22
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: EQUIFAX, INC. (CA)

I contacted Equifax to dispute inaccuracies on. my credit report with the following inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual! 

XXXX - XXXX XXXX XX/XX/XXXX -This inquiry was solicted as a soft pull by XXXX XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual XXXX XXXX  XX/XX/XXXX - This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-04-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRO MORTGAGE ASSOCIATES, INC (OK)

I applied with Pro Mortgage back on XX/XX/XXXX. after suppling information needed, I was told by the loan officer that I needed to fix a few things on my credit report and that my score would raise to XXXX and I would be approved for XXXX FHA loan. ( The requirements were completed right away ) I fixed what was needed and indeed my score was over 624. at this point I was given an initial loan preapproval letter in the amount of XXXX. I continued to ask if this was a solid approval I was told not to worry and to star looking for a home. On XX/XX/XXXX I was told by lender that he would order a rapid rescore and not do do anything to change my credit. ( I did not ) On XX/XX/XXXX I was told that rescore had been ordered and they needed debt payoff letter. On XX/XX/XXXX I supplied the letter, on this day I asked if I could be approved for anymore due to the market and current pricing. After employment stubs and tax info, I was then sent an approval letter for XXXX on XX/XX/XXXX as i found a home to make an offer on. On XX/XX/XXXX I reached out to ask about closing estimate without response later I received a call with lender and realtor on the line stating this was a good deal and we are good to go. No further correspondence from the lender to me, until 3 days before closing asking for a recent bank statement for final closing info. I never heard bank from him but my realtor called me at work stating he had forwarded my credit report to her and stated she need to go over it with me there was no way he could approve me and he never reached out to me nor did he ask my permission to give my personal info to her! I then forwarded the email to him asking him to explain what was going on as I had already planned to close and was under the strong impression that we were ok to close. I have yet to hear from home his co worker then send a denial letter to me stating to refund my earnest money. Meanwhile I receive another letter from his assistant or coworker stating to get a co signer and they can still help me. ( after being sent a denial letter ) I have dreamed of this day I worked XXXX hour shifts the whole month securing funds and not doing anything to jeopardize my score. He first lied about the rescore and my report reflects a XXXX point drop for his run on XX/XX/XXXX 3 days prior to closing. I asked my realtor today XX/XX/XXXX scheduled day of closing to submit what was need to get earnest money back as I may now be homeless I put my trust in him to help me. I gave my apartment a XXXX notice and was told it would be rented as it was on a wait list! I got a call that stated I would not be given my money back as the sellers declined due to 10 day window. That I wasn't even given. I am a XXXX  mother of a XXXX XXXX XXXX whom also had her dream of a back yard and pool completely crushed today. It isn't right and I want something done about it. I went from home to homeless in the matter of days.
Consumer complaint received 2022-04-23
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: Southwest Recovery Services, Inc. (AL)

This Company southwest recovery s fraudulently charged my account twice XX/XX/XXXX for {$1800.00} with the same amount when they already had an open account from XXXX at the amount {$1800.00}. They charged my account twice to get double the money and to create a false account to cause me to pay more to their company and lower my credit score to prevent me to purchase a home. They lied to XXXX to say they have a new reopened account but it was actually the same account. XXXX did not flag the fraudulent activity and it caused my score to drop drastically. XXXX should have seen this as fraud but still allowed this company to report and cause damage to my credit report causing a problem for me to purchase a home.