davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Deinde Online Services, LLC (MI)

On XX/XX/24, XXXX XXXX XXXX contacted my sister for a debt owed for Ingetgra Credit which is a 799 % payday installment loan business. 

They contacted her three times and left a voicemail. 

They contacted her a FOURTH time and asked to speak to XXXX, who is my mother, who is dead. 

My sister has XXXX regarding my mother being dead and emotionally frail. This set her into a full meltdown which I had to attend to. 

If you XXXX the phone number this business contacted me personally on, which they have above the legal limits allowed, it is listed as a Robocall and it hits my spam blocker. 

Therefore, this is the reason I have not made attempts to contact them because I called Integra credit for whom they represent and they stated the loan was now dealt with them and to speak to them directly. 

I also attached the XXXX search of the name of the company and the phone number that states it is a Robocall Scam. 

I'm not sure since Integra Credit was the loan originator to place them on this complaint or XXXX XXXX XXXX.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I was discriminated agaist by American Express who closed all three of my accounts without my autorization. Those accounts were not held by their financial institution. Those three accounts were in good standing and not in default. Since then I have been herassed and threaten to pay an alleged debt. In addidtion American Express continues to report negative information on my consumer report by flagging my account which is all prohibbited. XX/XX/XXXX American Express is now producing false documents stating false information. They are saying I had an account ending in XXXX, whhich is false. I never had an account ending in XXXX. American express is also writing falsified statements claiming I requested a debt validation.
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. (VA)

In accordance with the fair reporting act the list of accounts below has violated my federal practice consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U S C 1681 section602 A states that I have a right to privacy. 
15U S C 1681 section 604 A section 2 it also reports the consumer reporting agency can not furnish account without my written instructions. 
15 USC 1681c ( A*5 ) section steaks no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U S C 1681s-2 ( A*1 ) A person shall not furnish any information relating to a c Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Su
bject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MN)

The company is still reporting that I owe Im this debt after I disputed it and won. I have proof that it would be removed from my credit but it still being actively reported and driving my credit score down. I do not own the account that is being reported on and believe someone else used my identity. I am looking to pursue a lawsuit against XXXX XXXX.
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (DC)

A credit card was opened under my name years back with XXXX  XXXX XXXX. I only learned of it when it was placed in collections to Midland Funding LLC. I contacted them at XXXX ( XXXX ) XXXX on multiple occasions to inform them that this account was a fraudulent account. In XXXX I called to figure out a way to get the collection off my credit, their solution was to pay {$130.00} and they will remove the collection. I was given a receipt, I was informed that I would receive documentation through the USPS mail. Although the account was fraudulent, I really needed my credit fixed. Out of desperation I gave them my banking information. As of XX/XX/2023, my credit score is heavily compromised by the collection company failing to report. Today I called XXXX ( XXXX ) XXXX ironically the number is no longer a working number. How are people getting away with stealing from hard working individuals. In total I have loss {$130.00} and I have a {$380.00} collection from Midland Funding LLC on my credit report.
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. (CA)

In accordance with the fair credit report act, this creditor has violated my rights under " 15USC1681 Section 602 '' states that I have the right to privacy.

" 15USC1681 Section 604A, Section 2 '' it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under " 15USC 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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (NY)

XXXX is not reporting the {$9800.00} credit line I have with my new PayPal Extras Mastercard ( which has gotten two replacements ) even though they say that the balance decreased. They're also not showing the {$10000.00} credit line I have with another XXXX 's card besided the one isted. Both of these cards had fraudulent activity and both have simply been replaced with new cards and account numbers. As a result my total available credit is nearly {$20000.00} less on the XXXX report than what it really is ( {$37000.00} versus {$57000.00} ) and my average credit age is about 7 months less on the report than what it really is ( 7 years 5 months versus 8 years ), as the PayPal Extras Mastercard account is nearly XXXX XXXX XXXX, and the XXXX 's account about XXXX XXXX XXXX. This is having an unfair adverse effect on my credit score, when I simply just had the card numbers replaced due to fraud.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

XXXX Credit Reports on Credit Ratings are incorrect. XXXX billing department reports delinquent past XXXX payment of {$130.00}. However, no such payments were due. There is a direct debit payment plan set up with the Bank for required amount each moth. No payments have ever been missed. Also there is a past complaint of a dispute with XXXX in reference to a Laptop returned due to Problem. This complaint was filled with XXXX over 3mths ago. No credit for the amount paid for this Laptop from XXXX. Amount still showing on my account with XXXX
Consumer complaint received 2023-06-05
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: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my bank account, they then proceeded to charge my closed account for my auto loan. ( they never once emailed me or messaged me about this matter ) Obviously my auto loan payment was not going to go through because it was set to autopay from the account they closed. 

I have called and talked to them every dam month since this happened. They refuse to let me enroll in auto pay. 

So every month they charge mee a late fee, a processing fee, and they refuse to let me enroll in auto pay so this doesn't happen. 

Not only are they negatively affecting my credit report by putting a missed payment that was there fault for closing my account without notice. 

Furthermore they charge me interest and penalties every month while refusing to let me enroll in autopay from my chase account every month. 

What they are doing is terrible I do not know how they are able to do something like this.
Consumer complaint received 2023-03-06
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX* Balance : {$210.00}
Consumer complaint received 2023-03-06
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. (KY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KY XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX XXXXXXXX Balance : {$64.00}
Consumer complaint received 2023-03-06
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (FL)

On XXXX XXXX I called first process to see what they had not removed my XXXX XXXX payment from my account yet. The representative advise me that they had just updated the system to accept payments and that its a possibility my payment would not process until I went back in and added my routing number. I advise the first progress representative that on my end it does not show that the payment was declined or not processed. So not because of the system error on first progress end it shows on my credit report that my account is late and credit usage is high. I advise the representative that is I would of knew or been notified or could see it on first progress website that it didnt go through I would of found another way to pay it so that it was paid on time. I made that payment on XXXX the credit card company reports on XXXX. So if I could see that it wasnt processed on XX/XX/XXXX that still would have gave me 4 days to make the payment on time. I will attach screen shots where on their website it is showing that my payment is still showing pending on their site. It has no information saying it was declined or didnt process. While on the phone with the representative he told me to make the payment again which I did and send it a goodwill consideration letter explaining that the website is messed up and that my payment history should not show past due and the amount should be updated as it was out of my control. I didnt all this on XXXX XXXX I have attached copies below where it still shows my {$190.00} I paid on XXXX XXXX is still pending. So this is proof I had no idea it declined or did not process I have attached my payment history so you can see where it still does not show that the payment for {$190.00} declined or did not process nor does it show that I needed to update my routing number The attachment below also shows proof that while on the phone with the representative on XXXX XXXX I did go ahead a make another payment of {$220.00} and paid a extra {$10.00} fee so it could reflect immediately as the first progress representative advise I do in order to request a goodwill consideration This attachments are proof that I have done everything I was supposed to do but the ball was dropped on first progress website.
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

im a victim of identity theft my information was steal I made police report and I send it, all information about these collection is false plz block these inf from my credit report pursuant to section 605b of the fair credit report act.
Consumer complaint received 2023-02-09
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. (PA)

There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Starting XX/XX/2023 ( " XXXXXXXX XXXX XXXX XXXX XXXX  ) United Wholesale Mortgage is trying to overcharge me by performing another deceiving Escrow Analysis. 
With no justification at all, with help from their so called payment processing team, XXXX XXXX ( whic is under the Cease and Desist Order issued by the Office of The Comptroller of the Currency ), they have increased the Escrow Deposit from {$710.00} to {$760.00}. ( please see attached ). Huge difference!!! 
{$710.00} is a contractual established amount, obtained through a previous Escrow Analysis that was performed in regards of the loan modification process. 
Moreover, this amount of {$710.00} can not and should not be increased at all as long as : 1. Cost with Property Mortgage Insurance, Homeowners Insurance and Property Tax didn't vary ( as per our contract ) and 2. because this was already established for a length of 60 months since is a XXXX XXXX backed up loan. 
Every year, every year, every year, this company has performed an Escrow Analysis and has put lots of EFFORT to overcharge my Escrow Account through a deceiving Escrow Analysis. 
Every time I have to address these concerns. 
I get it, they don't like the fact that the shortage can be paid in 60 months and not in 24 ( as they want for a faster cash flow ). But this is a XXXX XXXX XXXX investor 's backed up loan and they have to comply with the Federal Law and XXXX XXXX XXXX  requirements and guidelines and STOP abusing me and my account. 
Stop OVERCHARGING my Escrow Account! Out of the last 4 Escrow Analysis ( for the past years ) you never made a mistake in charging less, you only MADE MISTAKES and tried to charge MORE. Is your computer SET only to CHARGE MORE???? Maybe is time you should adjust that computer system and definitely your DECEIVING PRACTICES.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (GA)

I got an XXXX card with community capital bank. I spent about {$20.00} at XXXX that day and I paid off my balance I then got hit with a late payment that I had absolutely no idea about and three months later I have a rolling XXXX, XXXX late payment that takes my credit score for a XXXX to a XXXX. I I pay off the entire balance of {$170.00} of interest from a {$20.00} payment and send a goodwill letter to fix my credit and they deny it. Worst credit card company ever unethical and should be illegal to do this.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TN)

I was alerted of a change to my credit report I found a collection account had been added by Jefferson capital system. I have never heard of or been contacted by this company and I do not now or have I ever had any accounts with XXXX I did not receive notification of this debit nor was I given the opportunity to dispute it before it was posted to my credit report. They have violated my rights under the terms of the fair credit act and should be reported to the authorities.
Consumer complaint received 2023-02-09
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: V and H Portfolio (TX)

I sent a letter last month to Vance & Huffman LLC regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company Vance and Huffman a right to ignore my requests. I sent a letter XXXX  asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also wasn't provided with a license in the state of TX permitting them to collect any debt from me. I also asked for validation but was not provided that information. There are many FDCPA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (AL)

I have been trying to work with my credit union every since i returned home from military duties. I have had multiple transactions go through on my account numerous of dollars basically gone down the drain. I have reported this to my bank and have been told that no errors have a occur but obviously it is a big mistake on my account. I have called and gotten the run around on this. I was told to go to the bank in person but with me working and military going on i am not able to go to a physical branch. I have been told numerous times that they have sent out multiple cards to me and they have not. I only received one card and that is the card in my possession now and only reason i ended up with this one card is because i paid a fee for expedited shipment. I have fax multiple information to them to prove that fraud have occur and they sent multiple letters telling me no error occur and that is not true. Whoever used my cards had changed information card pins and all and i'm still being told no error occur. They have not sent me any information on how they verified this information or nothing. They just quick to shut down my case and not give me anytype of refund for this unauthorized person using my account.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TX)

I made a purchase with my XXXX XXXX XXXX Mastercard on XX/XX/XXXX. Applying for the card promised 12 months 0 % financing and a year free welcome + rewards membership ( {$35.00} value ) if approved. I was approved but did not get confirmation of either offer. I called XXXX XXXX XXXX, customer service for the store, and was referred to XXXX XXXXXXXX XXXXXXXX  Mastercard. They told me to wait until the billing cycle closed and the purchase posted. I waited and the promo was not applied so I made a dispute on XX/XX/XXXX. I was told it would take up to 90 days for a resolution. As of XX/XX/XXXX I have not received a resolution. I requested and update on XX/XX/XXXX and XX/XX/XXXX and was told it waa still being investigated even though it was past the 90 days promised.