davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Porsche Financial Services, Inc. (IL)

Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Consumer complaint received 2020-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

On Friday, XX/XX/20, I phoned my mortgage lender due to seeing an option on the CARES Act the president signed about placing my loan in forbearance for 180 days and another 180 days, if needed afterward. I read the Act and researched the fine print. It seems simple-the borrower of an FHA back loan may request up to 180 days ' forbearance and " attest '' to a hardship. The mortgage company must grant this request and require no documentation. However, Primary Residential Mortgage has asked for many details regarding my financial situation and have even told me to wait and call back in a month just to see what happens in the mean time. They are not forthcoming with their terms and even told me to have my husband file for unemployment as a solution. I have put in writing my request and was still informed I must provide a reason and they must " see if this is the appropriate option '' for me. They have made it very difficult and intimidating for me to execute my right to place my account in forbearance.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (MD)

I am following up on my previous case that was closed because the credit card company said they refunded the charges, in a letter written to you. As i suspected, they did not refund the charges. please see attached bill. My previous balance was {$320.00} of which, Ive paid {$220.00} and right below that is the {$79.00} charge!!!!
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (WI)

We are working with XXXX XXXX t refinance, and have gone through the closing process all ready ( XX/XX/XXXX ). We have turned in lots of paperwork as to the temporary hold on my wife 's job, the employer guaranteeing work to resume with no loss of hours or income ( signed statements on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I also qualify for this mortgage simply on my own income. 

Today ( XX/XX/XXXX ) I received this message : We have encountered a crossroads in the way business is being done VS. Should be done. United wholesale Mortgage has issued the following statement about funding your loan : Hi XXXX and XXXX, So management is not allowing loans to fund currently where the borrower is on leave. Things are changing and management is implementing rules for borrowers on leave or deferred compensation. My initial understanding was to treat this as temporary leave but unfortunately, Management overrode my decision to do this and they are not allowing borrowers on leave to move forward with a loan. Again, I apologize for this but things are changing so quickly with borrowers employment so rules are being implemented on the fly. 



Thanks This has put us in an awkward situation because legally they should be funding your loan. We have abided by all their conditional requests ( and then some ) and they still refuse to fund the loan due to an internal rule. We have consulted the real estate attorney that owns XXXX XXXX ( the title company that closed your loan ) and he is in full agreement with us. But unfortunately the only way this company will change its ways is if consumers start complaining. '' I would like to file a formal complaint against United wholesale Mortgage as this is costing me lots of money for something that should not be held up and they simply shouldnt be able to change terms on the fly when we have complied with so many demands that are not normal.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (MA)

Dear SANTANDER CONSUMER USA ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX,, XXXX, XXXX, XXXX, and XXXX 2022 30 's days late. ( during the times I was without a job due to XXXX ) ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-04-07
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: Access Credit Management, Inc. (AR)

After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX # XXXX 4. Access  Credit Management # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX XXXX XXXX  It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Access Credit Management has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Access Credit Management continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX  which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX. 
This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not. 
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC
Consumer complaint received 2020-04-07
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. (AR)

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to pen the envelope because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$770.00}
Consumer complaint received 2023-02-28
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. (GA)

in XXXX a company by the name of XXXX XXXX appeared on my report. After reviewing the report it was found that I had no knowledge of this company. When reaching out to the company in XXXX, they removed the error from my report, however I am seeking remedy from the bureaus as they did not verify this information for accuracy which is a violation of the FDCPA and the FCRA and caused defamation of character by stating I had a rental debt and I did not. This caused me to be denied to rent places.
Consumer complaint received 2020-04-07
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. (AR)

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to pen the envelope because it was like the XXXX time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$770.00}
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In XXXX Select Portfolio acquired my loan. In XXXX I had to do a Loan Modification with them and when I did they tacked on additional over {$30000.00} to the rear of the loan. I know my ex husband wasn't that far behind in the mortgage on the home. Since then SPS hasn't brought the balance down on the mortgage on this home. I have spoken to several friends that had a modification on their homes and their mortgages have come down quite a bit. They are all very pleased with the way their modification has been handled. Thus my reason for filing this compliant against Select Portfolio and XXXX XXXX   XXXX XXXX. the owner of the account. So if this is a loan modification who established the rules on this loan, Select Portfolio or XXXX XXXX  XXXX XXXX? I have read many complaints against Select Portfolio from the XXXX XXXX XXXX and other government agencies, their practices towards consumers are unspeakable. Then if XXXX XXXX  XXXX XXXX allows this they should be reported on as well. My cousin XXXX has a loan modification and her mortgage company has lowered her balance some {$35000.00}. I have had a modification a lot longer than her 's, thus another reason why I am filing a complaint against both Select Portfolio and XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

In XXXX, I purchased a couch from a XXXX furniture store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank ( XXXX, Ohio ) received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} XXXX and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX. The Bank declined. 

After spending several days taking this matter up the Banks hierarchy to no avail, I filed a complaint with the XXXX XXXX XXXX XXXX XXXX Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX  - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. So since this dispute began I have been assessed another {$280.00} of interest on the original {$27.00} late fee. This is unconscionable. 

I paid the original purchase price, in full, in less than the twelve-month promotional period. Given that I have not been able to go into my office for more than a month and my income is down more than fifty percent, I do not intend to be extorted by a corrupt credit card company no matter how small the amount. Companies like Comenity Bank are making a horrible situation worse. Please help.
Consumer complaint received 2020-04-07
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)

After reviewing a recent copy of my credit I came to the realization I have become a victim of XXXX XXXX. I recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX # XXXX 4. XXXX  XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX Experian, and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Experian has violated my consumer rights and the FCRA per section 605b, 609, 611. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports and Experian has failed to provide any documentation obligating my to the fraudulent accounts. I have no recollection nor recall opening or establishing any of these accounts listed above.
Consumer complaint received 2020-04-07
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: Preferred Collection and Management, Inc. (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). 
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (AR)

I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX  ( mo ) XXXX XXXX XXXX, XXXX, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2020-04-07
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)

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to pen the envelope because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine. Please remove these things from my report. 

XXXX  XXXX XXXX {$1400.00} XXXX  XXXX {$770.00}
Consumer complaint received 2022-02-15
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. (TX)

DELETE ALL UNAUTHORIZED INQUIRIES Below Please New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX New Inquiry - Experian XX/XX/XXXX Inquiry - New Inquiry - Experian XX/XX/XXXX XXXX
Consumer complaint received 2023-02-12
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. (IL)

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Actions Hard Inquiry 15 U.SC 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 an 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 the 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 2020-04-07
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including one bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my credit profile.