davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FORD MOTOR CREDIT CO. (TX)

On XXXX, I received notice of a default judgement that had been ordered against me to pay a debt owed to Ford Motor Co. In the judgement, it was detailed that I had been served with a citation and petition on XXXX at an address I had moved from on XXXX. The move was significant and long distance. I had not received any notice of pending action, nor was I living in the jurisdiction of XXXX County- where the default judgement was brought. This is a clear violation of the FDCPA section 811 ( b ) which requires collection attempts to be made only in the jurisdiction in which the consumer resides at the commencement of the action. 

On XXXX, I contacted the firm that led the debt collection case in an attempt to resolve this matter. They stated that " The best address we had for service of the suit was [ in ] XXXX, Texas XXXX. ''
Consumer complaint received 2021-10-01
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave Equifax permission to report anything on me? I need answers now!
Consumer complaint received 2017-12-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (MD)

I called a month and a half ago and asked to plesse stop my automatic payments. I paid half the bill but I ran our of money. I said I would call to set payments back up in the future. I looked at my account and they took money anyway.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

I went into XXXX XXXX on XX/XX/2021 to buy my wife a birthday gift. The store offered me a card for the purchase but I thought I already had one. When she confirmed that I did not already have a card I agreed to apply for their card. She did not give me an application to fill out but had me enter my social security number on an XXXX. She said I was approved and I purchased the item for {$510.00}. 

Today XX/XX/2021 I received a declination letter from Comenity on behalf of XXXX XXXX. It says I was denied due to my debt to income. It also states that my credit score was XXXX. 

First I was not aware that an application was sent to multiple banks and that I had been denied and second I was never asked for my income for the application. They only obtained my social security number. I was not provided a copy of the application, I was not asked to verify my info, I was not informed that my credit would be pulled by multiple financial institutions, I was not provided any disclosures or any information. 

I called XXXX XXXX and I spoke to the manager XXXX. She was very unhelpful, seemed unaware of how the credit process worked and claimed to not know what exactly is entailed when applying for one of the credit cards. I asked for a copy of my credit application and she stated they don't have them and can't help me. 

I also called Comenity bank and they told me I would have to submit to them a letter in writing and mail it for a copy of my credit application or anything related to the credit inquiry. 

No one is willing to help but they had no issue submitting my credit to multiple banks. They should not be offering credit services if they don't know and understand how it works.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (WI)

I have filed a bankruptcy dispute multiple times each times with each credit bureau not one time has any of them been able to provide me how they verified the information. I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX-XXXX  stating that that has been deleted from my account. After sending this information to them they are still saying the account is verified, but from who. All three credit bureaus also are reporting different information. It is an FCRA violation for all three credit bureaus to be reporting different information. They have different reference numbers, different dates filed and the court it was filed with.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (MD)

I contacted PNC Bank multiple times one date being XX/XX/year> and XX/XX/year> letting them know that I opt out of them sharing my nonpublic information with non-affiliates like XXXX XXXX XXXX without my permission or consent. They have shared XXXX checking and savings account and XXXX of my transactions from XXXX account and the status. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/mental and spiritual health issues. PNCs privacy policy clearly states that they do not share my information with non-affiliates and that their only affiliates are : PNC Bank XXXX XXXX XXXX  ; PNC Investments , LLC ; PNC XXXX XXXX, XXXX ; PNC XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; PNC Delaware Trust Company ; PNC XXXX  XXXX XXXX ; PNC XXXX XXXX, XXXX.
Consumer complaint received 2019-11-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

My ex husband received a call on XX/XX/XXXX from a portfolio recovery looking for me. I called them back, they stated that they are collecting a payday loan from either " XXXX or XXXX '' and if I didn't pay them they would see me in court and have me arrested. I stated that I declared bankruptcy in CT in XXXX, and that all of my debt was included, they said this slipped through the cracks. Their " paralegal '' got on the phone and demanded I pay today to avoid jail time. The phone number they called me from is XXXX, which comes up as a roboxall on XXXX. Lots of threats over an apparent debt that they can't produce documents for and just wanted me to pay.
Consumer complaint received 2024-03-16
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. (TN)

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.

and list of Inquiries.

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 2021-10-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (TX)

Since XX/XX/2021 I have been trying to make a substantial payment on my XXXX XXXX Credit Account, only to be stymied by XXXX. XXXX XXXX  and their subsidiary, Synchrony Bank who fail to maintain current addresses and phone numbers with which to communicate my payment information in the amount of {$4900.00}. Meanwhile, they continue to charge me sky-high interest rates on money they would have received weeks ago had they provided a valid means for doing so!
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I don't know just found out about a debt for XXXX that I don't owe it was a debt according to my credit report XX/XX/2017 for XXXX XXXX XXXX for education that I never had it says date of first delinquency XX/XX/2017 I've been disputing this cause this is a third party collection which is against the law. I need help to getting this removed from my credit XXXX, XXXX, XXXX. 
Sincerely XXXX XXXX XXXX XXXX Fl
Consumer complaint received 2021-10-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Hosto & Buchan, PLLC (TX)

On XXXX, I received notice of a default judgement that had been ordered against me to pay a debt owed to XXXX XXXX XXXX. In the judgement, it was detailed that I had been served with a citation and petition on XXXX at an address I had moved from on XXXX. The move was significant and long distance. I had not received any notice of pending action, nor was I living in the jurisdiction of XXXX XXXX- where the default judgement was brought. This is a clear violation of the FDCPA section 811 ( b ) which requires collection attempts to be made only in the jurisdiction in which the consumer resides at the commencement of the action. 

On XXXX, I contacted the firm that led the debt collection case in an attempt to resolve this matter. They stated that " The best address we had for service of the suit was [ in ] XXXX, Texas XXXX. ''
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I still have not refunded my refund check for my closed account. Every time you call and speak with someone, you're told something different. When I closed the account, the agent gave me no other option than a mailed check. I spoke with XXXX XXXX # XXXX ). I was told it would arrive by XX/XX/XXXX. Having still not received it, I reached out again. I spoke with XXXX who said it was shipped on XX/XX/27. When XXXX first got on the phone, he was unable to locate the check so I asked how he was able to verify it was sent on XX/XX/27 after putting me on hold. He couldn't answer the question after 4 times of me asking so I asked for a supervisor and was transferred to XXXX ( # XXXX ). He said he could not locate when the check was sent out ; just that it would arrive before XX/XX/XXXX. There's no accountability at Capitol One and it's the main reason I closed the account.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Long story short I was lied to multiple times by my mortgage company. Who is it you ask Wells Fargo bet you knew that was coming. First I was lied to about my closing cost hitch is the whole reason I chose to refinance with them in the first place. I was then told due to the lie I would be receiving a customer service credit to bring my closing down to the discussed number. This never happened it was suggested to me by a mamber of their team that this money would hurt rather than help and just be added to my mortgage and that it wasnt being issued as a customer service credit as discussed. They completed their investigation and then claimed that I would not be receiving anything as they didnt write anything down on their end. A company that tapes absolutely every conversation has no record of a claim they made multiple times during conversations. I was not told of my closing costs until 30 minutes before my first closing and had to have a second closing because they didnt add an escrow as I asked them probably 10 times to make sure was in their. They are deceptive and quite frankly con artists. I asked to get a call from a member of management to which was refused numerous times. Gentleman on the phone then got loud with me and said they had made their decision I pushed again and supposedly will be issued a call back within 48 hours.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

To Whom it May Concern, Everytime I have contacted Equifax since the first recognition of my information being displayed incorrectly, back in XXXX of XXXX, I have nothing but come across continuous roadblocks. I was asked to fax : my birth certificate, my ID, SS #, phone #, address verification and a cover letter of why I am disputing information, when I initially called to report my birthday is reported incorrectly, I sent Equifax rhese items via fax as they requested. I haven't been able to answer the security questions correctly to have a telephone consult on why this hasn't been changed and I don't know what misinformation the security questions are recorded as. I have complied with this request 2 times since the initial fax to unlock my account, although they are not asking for me to fax my Birth Certificate to unlock my account they are requesting the other documents listed above. I will try and explain this scenerio as best I can, quickly and effectively and I hope that this time it will be taken seriously with accurate credit report results. 

Just for the record ... I will say that I was divorced in XXXX and filed a bankruptcy in XXXX. Beings as I had the bankruptcy I found no need to try and apply for any credit other than a simple minimual balance capped credit card with XXXX XXXX. Equifax is the only agency reporting my date of birth in errors, which I have attempted several times to change because they are the first credit report to be veiwed when applying for jobs and credit. Equifax reports that the the duration of this information is around 10 years. Overall, I beleive that this misinformation has hendered my ability to obtain a good paying job and also any credit as I would be 12 years older than I actually am. 

Aside the fact that I never claimed residency to the below addresses being reported and would also like these to be removed : XXXX XXXX XXXX XXXX, XXXX WA XXXX - XX/XX/XXXX ( co-signed for daughter ) XXXX  XXXX  XXXX XXXX WA XXXX - XX/XX/XXXX ( XXXX XXXX XXXX XXXX rented after we seperated ) XXXX XXXX XXXX XXXX XXXX, WA - XX/XX/XXXX ( XXXX rented a box there after we were seperated ) I recently requested an address be removed in an online dispute and the changes were made with out any questions asked. Yet they won't change the items that are important to be changed. 

Thank you
Consumer complaint received 2019-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

I continue, for the past two years, receiving invoices from Midland Credit Management , Inc. ( a debt collection company XXXX XXXX XXXX, XXXX, account number ending XXXX XXXX XXXX XXXX XXXX  - Amount : {$340.00}. I tried contacting XXXX at the XXXX number on the invoice over a year ago and when I gave them the last four digits of the Acct. #, they promptly asked me for my social security number ( the person answering the number had a foreign accent ). I hung up realizing the invoice was a SCAM. I pay all my bills on time and do not owe anyone any money and never had a credit card or other account with the four digit account number given on the invoice ( XXXX ). They continue to send me invoices each month, with three options to pay off the {$340.00}, 10 % off, 5 % off or build your own plan. What I find very odd, is they put this invoice each month in a different type of envelope, sometimes big ones, sometimes colored ones which makes me not know who the mail is from, which requires me to open it rather than toss it as SCAM. Please arrange to look into this company. If anything were to happen to me, my estate would think I owed the money, and I do not. I want these scam invoices to stop being sent to my address. There is no return address on the incoming envelope, making it impossible for me to " return to sender. ''
Consumer complaint received 2019-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through XXXX XXXX XXXX. XXXX XXXX did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CT)

We applied for a conventional 15-year fixed-rate mortgage with PenFed on XX/XX/2021. The initial application and lock process was great, and we waited for underwriting. 

On XX/XX/2021 we were asked if we had an attorney for closing. We did not and advised PenFed as such. Based on prior experiences as well as the loan estimate, we anticipated closing with a notary public for the quoted cost in the loan estimate. On XX/XX/2021 PenFed advised that Connecticut is an " attorney state '' and the services of an attorney would be required. We also learned that there was no estimated cost for this service in our loan estimate. 

We contacted an attorney who quoted a cost for closing services of {$750.00}. PenFed made no attempt to estimate this cost in the loan estimate. This, despite knowing an attorney would be required for our closing. Absent any other explanation, it would appear a mandatory cost of closing was purposefully excluded from the loan estimate to make PenFed appear more competitive. We had chosen to lock and proceed with PenFed based on this loan estimate as it appeared to be the lowest cost when compared with other lenders. 

On XX/XX/2021 we requested a revised loan estimate to include the mandatory cost of an attorney-provided closing, a lender credit from PenFed to cover the cost of attorney services, as well as credit for the {$75.00} in fees PenFed incurred with our current lender by requesting three separate expedited pay off quotes. Our current lender advised that the request for expedited pay off quotes is rare, and despite multiple requests, PenFed has not explained why they needed to do this three separate times. PenFed declined to provide a revised loan estimate, nor did it agree to any lender credits.

We understand that PenFed may be legally obligated to cover the omitted costs under TRID rules. However, rather than pursuing that with a lender whom we had lost trust, and after learning that PenFed were not in fact the lowest cost lender, we decided to pursue a loan with a different lender. 

We are left with {$75.00} in fees which we did not authorize, the soft cost of inquiries to our credit ( PenFed took so long in underwriting that we had to take another credit hit with the new lender ), and weeks of wasted time. 

We had hoped that upon advising PenFed of their error, PenFed would do the correct thing. They did not. Future applicants should be aware that PenFed does not provide a good faith estimate of closing costs, will request multiple expedited pay off requests without explanation and is not interested in hearing about issues.
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (FL)

Amerifinancial solutions has been consistently harassing me with a bill for my sons medical expenses from 2 years ago and he has always been covered by Medicaid insurance. I informed them during the first call and called my insurance. My insurance did an investigation and found that the bill was paid and was not my responsibility and also spoke to the supervisor at Amerifinancial solutions and faxed them proof. They are still nonstop calling me trying to collect a debt and acting like they havent been in contact with my insurance when my insurance already resolved the problem. I have asked to speak to a supervisor and consistently told them to contact my insurance and they continue to run me around in circles and not stop harassing me.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AUTOTRAKK. I have always made my payments on time yet there was a 30-day late and collection state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, collection, and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.