davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I had a credit card, I used at a gas station in XXXX michigan. When I got my statement there was over XXXX $ charged from a bridal company out of state,!!! I contacted the company and they basically told me I am responsible!!!! I started making payments to better my credit..they kept charging me all kinds of deceptive fees!! So I gave up shredded the cars, called the bank .they wouldn't do anything to help me!! THEY TURNED THIS ICER TO PORTFOLIO RECOVERY, THEY SENT ME A LETTER, I CALLED THEM TO EXPLAIN, THEY SAID THEY WOULD TAKE CARE OF IT, THEY INFORMED ME IN ORDER FOR THEM TO PROCEED, NOT TO RESPOND TO ANY COURT PAPERS, THEY SAID ITS STANDARD PRACTICE AND BECAUSE OF THEIR STATUS AS A DEBT COLLOECTOR, THEY HAVE TO FOLLOW MICHIGAN LAW!!! LAST WEEK I RECEIVED A LETTER FROM MY CREDIT UNION, THEY WENT INTO MY ACCOUNT ( Unauthorized ) THE XXXX XXXX WAIVED THE XXXX $ CHARGE!! BUT IF THEY TRY TO TAKE MONEY AGAIN, I AM GOING TO GET A CHARGE OF XXXX $!!!!!!! THAT IS FRAUD!!!!!!!!! I DIDNT GIVE THEM PERMISSION NOWAY!!!!!! I CALLED THEM A D THEY TOLD ME, ITS A CRIME THAT I AM NOT PAYING. THEY DIDN'T RECOGNIZE WHAT THEY TOLD ME BEFORE!!! I AM HIGHLY UPSET OVER THIS, I NEVER MADE ANY KINDA OF ARRANGEMENTS FOR PAYNENTS. SO WHY ARE THEY REREPORTING LATE PAYNENTS TO THE CREDIT ANGENCY!!!!! WHAT HAPPENED TO THE FAIR CREDIT REPORTING ACT???? THATS COMPLETELY UNETHICAL ..AND DefiMATION OF CHARACTER!!!!!! I AM CONTACTING LEGAL ADVICE BECAUSE THEY ARE DEFINITELY VIOLATING MY CIVIL RIGHTS!!!!!! CFPB???? FOR XXXX SAKES, THEY ARE ON THE CIVIAL PENALTY FUND!!!!!!! PLEASE TELL THESE PEOPLE THEY ARE IN MAJOR VIOLATIONS HERE!!!!!!
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (NC)

After I received E-Statements from FNBO detailing a ~ {$20.00} balance due, I accessed FNBO 's mobile, which I used to make all previous payments on my FNBO card for the almost 2 years I used their services. The mobile app did not display any balance and, as a result, did not allow me to pay it. I accessed the mobile app multiple times in XXXX and XXXX attempting to find the balance that corresponded with my e-Statements. I was confused and assumed the e-Statements I received were a glitch or error. 

Prior to XXXX, at the end of XXXX, my phone and other cards were stolen while I was traveling in XXXX. After the theft, I called FNBO to ask if I could use the card while traveling. Instead of answering my question or helping, they froze my account on suspicion of fraud. The only way they would un-freeze the card would be if I did a bank ID, which I told them was impossible, given I was out of the country and would not return to the US until the middle of XXXX. I believe the freezing of the account could have had an impact on the failure of the app to accurately represent my balance. I also believe the timing of the freezing led to my confusion about the e-Statements being erroneous. 

FNBO 's records show that they sent me one email reminder to pay my credit card balance at the end of XXXX ( XXXX : an email reminder is not a notice of delinquency ) and letters in the mail after I missed the XX/XX/XXXX pay deadline. If FNBO had taken note and/or communicated to their collections department that I was out of the country they could have sent communications other then letters to my home address in North Carolina to notify me of my ongoing delinquency and need to pay. Given the error in the mobile app, I was under the impression that I had no balance to pay until my account was closed last week ( XX/XX/XXXX ). 

The effect of closing my account has had a disastrous impact on my credit score and has even caused my other lines of credit to decrease my credit limit with them. I had a perfect payment history with FNBO ( and all my other cards ) before this communication failure. Additionally, I paid significantly much more on my other credit cards during the period that FNBO reported me as delinquent. I was not willingly avoiding paying my ~ {$20.00} balance with FNBO - I was failed by multiple systems of consumer service and communication at FNBO and left in the dark about my small debt with them.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (NJ)

Both XXXX and XXXX showing there is no 30 days late for XX/XX/2024 credit report but showing 30 days late on my XXXX report for XX/XX/2024. 30 days late was proven error on XXXX and XXXX and it was corrected but UWM is telling me to deal with it for my XXXX report. UWM reports to all 3 credit bureaus on monthly basis since the beginning of the loan.
Consumer complaint received 2023-06-27
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. (KS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (DC)

It's been an ongoing problem with payments since my loan was initially sold to Fay Servicing. 

I've called several times regarding issues with payment whether it's untimely processing of payments, the website, or partial payments that end up in suspension accounts and are not applied to the mortgage for random reasons. 

I contacted Fay Servicing last XXXX to dispute the escrow analysis as it did not seem correct. My escrow payments had increased by over {$150.00}. The phone representative told me that escrows often go up due to increases in taxes and insurance. I explained that I understood that as I had owned the property for over 15 years but had never encountered such a high increase. I asked for a written explanation and escrow breakdown analysis to show how the payments were being disbursed. I never received it and continued to make payments. 

This XXXX, I received another notice showing yet another increase of an additional {$77.00}, and that my escrow balance was significantly low. ( - {$2600.00} ). When I checked my state property tax database to compare, I saw that was not the case. My taxes had remained the same over the years just as I thought. Fay Servicing had continued to make the payments to the state but the XXXX escrow statements, payments, and balances were VERY different. 
Please help.
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: High Point Asset Inc (CA)

I have received multiple calls from High Point Asset at XXXX. 
They claim that I must respond to an important civil matter or they will " forward my file to litigation. '' I dealt with this last year during tax time and asked for verification of debt, which they never provided. Now they are calling me again. I have not spoken with them to review this debt, as I know it is not mine and I am afraid they are trying to get additional information out of me.
Consumer complaint received 2023-06-27
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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
Consumer complaint received 2024-06-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC (TX)

I had a car that was repossessed in Texas on XX/XX/XXXX I had no idea they went to court and received a judgement against me I only found out when we went to refinance my home. I called levy and associates to get more information as to why they had a judgement since I didnt know who they were XXXX the only agent who handles Texas calls was indifferent at best I have called multiple times and of the 20 or so calls Ive only received 2 calls back and the manager never called me back also now the have XXXX shed my account when I initially called them to advise them I am XXXX and needed information on how to try and get this debt released. So when I called the attorney generals office to file a complaint the informed me that this agency doesnt even have a surety bond that is current to do business in this state. I also went to the courthouse and they also never showed up in court they just received a summary judgement so I wanted to know was any of this handled correctly and also can they enforce a judgement when I was never notified? Also since they never notified me of the judgement they are asking for XXXX due to interest that I had no idea was accruing I only paid XXXX for the car in XXXX please make this make sense
Consumer complaint received 2023-06-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2023-06-27
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. (KY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A. (NE)

I've been dealing with an identity theft and card information fraud situation since end of XXXX. I've tried to fix my credit reports but these people are just sick!! Now they are trying to sue me for it and have no interest in anything I have to say just demand I pay them all this money. They are rude, repulsive, and despicable individuals. They need shut down as I've seen I'm not the only one who thinks they're absolutely appalling individuals.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XX/XX/2022
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: WELLS FARGO & COMPANY (PA)

In XX/XX/2022, the credit card company Wells Fargo reported a 30 day late payment on my credit file without contacting me or sending email that my account was approaching past due before the 30 days of delinquency which was reported by this company violating my right. 

In accordance with the fair credit Reporting Act, Wells Fargo account # XXXX has violated my rights 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604A Section 2 : states a consumer reporting company can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. Lastly 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Please remove the late payment status off of my credit report.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX Balance {$400.00}
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: NAM National Arbitration and Mediation (WA)

Sent a cease and desist letter via fax on XXXX XXXX, 2016. Called and spoke with a representative and verified receipt by the company. Still getting phone calls in violation of the FDCPA. So far there have been XXXX occurrences after verified receipt of an order to cease and desist.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Mobiloans, LLC (TX)

I noticed on by bank account that I had a credit of XXXX on XXXX/XXXX/2015 from Mobiloans LLC. Subsequently I had debits in the amount of XXXX on XXXX/XXXX/2015, XXXX on XXXX/XXXX/2015 and XXXX on XXXX/XXXX/2015. I have never applied for nor agreed to any loan. I did not need a loan nor have I ever needed a loan for XXXX. I have placed a Stop Payment on my bank account and filed ACH disput as well. I do not want my crediit affected by this unauthorized loan.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

Inaccurate information being reported as verified. Improper investigation. And reporting closed accounts. I get a proved for anything and it's my families quality of life financially. I'm a XXXX percent XXXX veteran in financial hardship.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (TX)

On XX/XX/2023, Credit Karma closed my Money Savings Account due to contact information not being updated ( No communication asking to update my address no emails but I did try to update it multiple times and it was denied ) and claims they tried sending the money to my bank that is connected to the account for transfers that I used previously for adding to the account. On XX/XX/XXXX they sent a check to my old address. There was zero communication regarding my account closer or the supposed issue with the bank " reversing '' the money being sent. I contacted my bank XXXX XXXX and there were no attempted deposits from Credit Karma. I reached out to Credit Karma XX/XX/XXXX and found there was no customer service phone number but chats that were continuing to get disconnected. I reached out with my email on the account and received a response hours later. I provided Credit Karma with my Driver 's license, SSN card and two pieces of mail to verify it was my money. I have been told they sent it to a higher department and there is no timeline on when I will hear back. I asked regarding the check that was sent to my old address multiple times and was given an unclear response not knowing if it was cashed or canceled like I asked. I have not heard from them in 3 days and I have been told to wait. I have almost {$10000.00} in this account and I am afraid they will not release the funds. Please help me!
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IL)

I am not sure where it came from. A debt collection company is claiming I owe {$190.00} from XXXX. I have not dealt with XXXX in 10 years.
Consumer complaint received 2023-02-28
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. (GA)

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Consumer complaint received 2023-06-26
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)

I have closed accounts on my report that are in violation of the law 15 usc 1681b and 15usc 1681aXXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;..

And I want them remove asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * U.S. Code * Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 informations Accounts : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX