davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hunt & Henriques (CA)

Im filing a complaint against the collection agency Hunt & Henriques. They somehow got a judgement against me without me ever being served. Although I told them from day 1 I was on XXXX, they continued to harass me until I paid them. They received a total of {$3000.00} from me some of which was garnished from my bank account. I repeatedly informed them I was on XXXX, but I didnt know until later that it was illegal for them to take my XXXX even with a judgment. I am sending what I have readily available to prove payment was received and Ill even send my benefit letter for proof of XXXX. I told them I was going to fight to get my money back from them and they claimed I gave it to them voluntarily. If judgments and garnishments are voluntary, I hate to see what the latter option looks like to them.
Consumer complaint received 2017-05-29
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. (TX)

I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office sai d 2 we eks after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (GA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (IL)

XX/XX/2020, my COVID-related benefits unexpectedly halted and paused my primary source of income. Discover contacted me within the same month and I conveyed clearly my financial situation, however still coerced {$180.00} to be debited from my bank before the end of that month. Again, I was very clear about the uncertainty of income and could not confirm having that amount available by then. 

The scheduled payment was inevitably denied. Since then, the company has called up to 6 times a day ( excluding Sundays ) and has relentlessly filled my personal voicemail box ; rendering it as unusable during the length of our national emergency.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BELING & ASSOCIATES (AZ)

I have been paying this company between {$350.00} and {$250.00} per month for the past 1 1/2 years. I was told they would reduce or have my private student loans cancelled. They also told me my credit would not be affected and if it was they would repair it. come to find out my credit is shot and all of my debt was sent to collections.
Consumer complaint received 2021-11-08
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. (TX)

Complaint : ( XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b XXXX 

Equifax must remove all information reporting from and relating to ( XXXX ) including third party debt collection accounts associated with ( XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX Account # XXXX
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

My husband and I were making automatic payments each month of the minimum amount towards our credit card with Bank of America. We made a purchase of {$3000.00} in early XX/XX/2017, which raised our minimum payment. We were not aware that our automated payments weren't adjusted to the new amount. For six months, our automated payments were made for the previous amount, therefore showing insufficient payments. In XX/XX/XXXX, I called to make a {$3000.00} payment toward the card, to learn that the account had been closed and that we had been making insufficient payments for months. Neither me nor my husband had received any emails concerning late or insufficient payments. We had not received any notification of any kind that our account was closing. The bank said they tried to call us twice, but the number they had on file did not match any number we've ever known and they said the number they called was disconnected. They could have sent us a letter or email but did neither. After I made the {$3000.00} payment, and learned the account had been closed, I requested the account be reopened. They sent us a letter denying our request and notifying us that my husband 's credit score had taken a severe hit. Clearly they were capable of sending us a letter, but didn't when it was to notify us our credit had been hit and our account was to be closed. We are extremely dissatisfied with the way everything happened and have since paid off almost the entirety of the balance, with the exception of {$180.00}. Now they are denying our request to reopen the account and my husband 's credit score has been lowered by about 200 points. We would have gladly made the sufficient payments each month had we known. We never received any emails, or letters from them letting us know our automated payments were insufficient. I hope that by filing this report, I solution will present itself to this gross misunderstanding and the consequences it has led to. Thank you.
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (NM)

JH Portfolio contracted with XXXX XXXX XXXX to collect a credit card debt which I owed. I complied and paid the full amount. When I reached out to XXXX XXXX XXXX, they stated that the account got sold to XXXX XXXX XXXX. XXXX XXXX XXXX states that XXXX XXXX XXXX, is not reporting that my debt has been paid in full. The balance was originally at {$1700.00} according to XXXX XXXX XXXX and is now showing a balance in the amount of {$470.00} on my credit report. XXXX   XXXX said they would take care of it and they have not responded to me for several days. I am getting the run around from all three companies especially XXXX XXXX XXXX. I paid off my balance of this credit card in XXXX of 2019
Consumer complaint received 2021-11-08
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. (PA)

Reviewed my credit report and I noticed that XXXX XXXX has furnished inaccurate information inn credit report Account detail differ incompleteness for equifax.account status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness XXXX XXXX had furnished inaccurate information this information has not been validated after requesting
Consumer complaint received 2019-03-22
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 (TN)

I opened a card with XXXX in XXXX and paid each month in full for 4 years. In XXXX, I reported to XXXX that my card had been stolen and that fraud had occurred. They asked me to identify charges that were not mine. I did this- they continued to keep all those items on my bill, charge me late fees, and interest, even though all the charges were supposed to be disputed. XXXX sent me a new card and an email acknowledging they were investigating the fraud, but did not stop fees and kept all the disputed charges on my bill. I refused to make payment because the credit card contract shows that if I make a payment on items that are fraudulent, that you accept those items as part of your bill. After 6 months fines and fees and no more response about the investigation, they closed the account, continued to add on more fees, and then, after adding over {$1000.00} beyond my credit limit to the bill in finance charges, submitted the file to credit reporting agencies and a collection agency. 

I challenged them due to the fact I had fraudulent charges and they had acknowledged them but did not fulfill their end of the contract in how they handled my case. XXXX took a civil suit against me in XXXX, TN, on XX/XX/XXXX. After over a year of court dates, the judge dismissed the case because they did not have the legal right to hold those charges on me, and that should have stopped them from pursuing me and have legally made them remove the negative information from my credit report. 

Instead, XXXX processed the already charged-off debt, as a new opened account, and charged it off again, resetting the 7 year negative delinquent charged off status of my account with them. Despite having brought a civil case against me, and losing, they acted against court orders, and still refuse to adjust this. I have gotten them removed from two out of three of the major credit bureaus by showing the court signed and stamped judgement dismissal. XXXX   however, did not remove it, and XXXX will not remove it. 

XXXX XXXX  aggressive bullying and illegal actions have greatly affected my personal life in time, court expenses, lowered credit score, and overall a frustrating and painful experience from someone who was a faithful customer and on-time-always credit card holder, now still affected, years later, by their irresponsible behavior.
Consumer complaint received 2022-05-13
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. (TX)

I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS THANK YOU
Consumer complaint received 2022-05-13
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. (TX)

I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS THANK YOU
Consumer complaint received 2020-11-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Due to Covid19 thus loss of income I took advantage of the Forbearance Mortgage Assistance Program ( Partial Claim ). I began making normal payments in XX/XX/2020 monthly as agreed upon with Wells Fargo mortgage company. I was not aware or told by Wells Fargo what the precess would be to bring the payment process back to the way it was before the F.M.P.A.P was in place. I pursued the refinancing of my loan to a lower percentage saving over {$200.00} per month but when approval and closing was ready Wells Fargo reported a lean from HUD on the loan and the payments I have been making were on hold and not credited to the account which show the monthly payment as not being made. This plus the lien is causing my refy to be placed on hold with an extention cost to me. Wells Fargo can not tell me when this will be completed, nor what is going to happen to the money I have been paying month to month since requesting in writing I be taken out of the program and return to normal monthly payments. Most of all the indication of a lien is holding my closing from happening. No one I have talked with at Wells Fargo can tell be how this can be resolve immediately.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021, I received a loan from Synchrony in the amount of {$680.00} to purchase furniture at, Rooms To Go. I was informed by Synchrony bank that a credit card with account number would come to me by U.S. mail with in 14 days, No card has come and unable to pay this debit or past debits for past times. Total owed Synchrony bank is just over {$1000.00}, however late charges are coming simple for lack of Account number needed to make a payment. The reason I never finish making my loan made back 5 years past is for the same reason. Late charges at that time were greater than principle owed. 
I live on a fix income and able to all the owed money except for Synchrony bank. My fear is that late charges again will grow simple for the fact Synchrony Back has not provided account number in order to make payments to them. 
My last attempt was today when my payment is due. My, account number has failed to come by U.S. Mail, all attempts to make a payment has failed for this very reason. Other than sue Synchrony bank, I feel it is best to report them for unfair banking practice. 
XXXX XXXX
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XXXX XXXX XXXX and XX/XX/XXXX, I wrote to tell PORTFOLIO RECOV ASSOC AND XXXX XXXX XXXX XXXX XXXX. to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

PORTFOLIO RECOV ASSOC Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am aggrieved and damaged due to the fact it is well over 90 days since I have notified EXPERIAN to please investigate my credit report. On XX/XX/2022 I also called and spoke with Experian Reps XXXX and her supervisor XXXX ; Both representatives treated me very unprofessional and did not know regulation nor laws.What made things worst is they both did not listen to my concerns, and were clueless to the Fair Credit Reporting act. CFPB please note Experian has violated my consumer rights more than once by UPDATING these accounts without verified proof, no contract, nor confirmation of the man or woman that alleges XXXX accounts belong to me. There was no thorough investigation and EXPERIAN has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. All XXXX  accounts and accounts having # XXXX is violating my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I went to a XXXX dealership on XX/XX/2020 to apply for financing a vehicle. I was told that I will only be applying for the in house financing XXXX offered at the time. I did not agree to getting my information pulled by these institutions. Heres the hard inquiries and their respective dates : XXXX XXXX XX/XX/2020 - Transunion XXXX XXXX XXXXXX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX XXXX XXXX - Transunion XXXX  XXXX  XX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX XX/XX/2020 - XXXX XXXX XXXX XX/XX/2020 - XXXX XXXX XXXX XX/XX/2020 - XXXX Im seeking the resolution to have these inquiries deleted from my credit reports.
Consumer complaint received 2019-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

Asking Advance America to work with debt relief company XXXX XXXX XXXX about negotiating a solution for a payment plan. XXXX  XXXX is handling my debt problem and all phone calls need to directed toward XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My parents passed away recently, my father being the most recent in 2021. After my fathers passing, he left the house we lived in together to me. Since then, I have been trying to obtain successor of interest with the mortgage company my father worked with, in order to assume the mortgage loan so that I can keep my home. Even though I have provided them with all the information asked for ( deed of distribution, real estate affidavit, trust, and the death certificate of my father ) they have been giving me issues, and refused to grant me authorization. In the words of my lawyer they are engaging in illegitimate, and unprofessional behavior. Since they have not granted me authorization, they stopped me from being allowed to make payments on the loan, therefore, the loan is now in default, even though I have stated to them that I have the money to pay the monthly amount, they just will not authorize me to do so. I feel that considering I have given them all of the documentation asked on time, as well as having the urge to pay the loan, that it is not fair that they are threatening me with foreclosure when I am trying my best to avoid that. I do not want to lose the home that Ive lived in all my life, and that my father worked so hard for just to be taken from me over something that can be resolved. Please help.