davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Performant Financial Corporation (WI)

In XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) was calling me at my workplace at least twice a day. I sat up a payment plan since they threatened to garnish my wages. I paid {$170.00} for 3 months until I lost my job due to the company closing. I started a new job a month later and the first week on the job my brother unexpectedly passed away at the age of XXXX. My ex boss called to tell me he got a wage garnishment letter through mail. I called the collection agency and tried to set up payment plan. They wanted new payment to be {$190.00} per month which I really could not afford but they threatened me with garnishment again. XX/XX/XXXX, I  signed the document and got thinking the next day, that this {$1300.00} debt was discharged in bankruptcy in XX/XX/XXXX. I called them back, sent them copy of bankruptcy, no more calls emails nothing. XX/XX/XXXX I called them back to find out what was going on, they now claim my wages will be garnished and I still need to make the {$190.00} payment. My husband is laid off and I do not make enough to pay this amount plus my car and house. She did not care and told me that is the way it is. No emails ever sent to me about the payment plan nothing. XXXX has screamed at me and belittled me and told me that I did not understand that my wages would be garnished regardless.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MD)

I was contacted on XX/XX/XXXX from XXXXXXXX XXXX XXXX regarding a debt Victoria Secret said I owed. The debt had been paid on in either late XXXX or early XXXX. They said they would dispute the balance. Since they were calling my workline I asked them not call it again and use only my cell phone. 

They contacted me again today on work number and then attempted to collect the bill. I reiterated that the bill had been paid and why they were calling this number. The rep ( XXXX ) stated that she had no record of being told not to call my work phone and proceeded to try and collect the debt. I asked to with her manager ( XXXX ) who said they would put the note on their not call this number again and put the debt back in dispute.

They still continue to contact me over a non-owed debt.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

On XX/XX/2018 Portfolio Recovery responded to a letter that I sent to them and all 3 credit bureaus certified, to validate the negative item of {$1000.00} that they have been reporting on my credit report. I ask the credit bureaus and portfolio recovery to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. They continued to send me typed letters from their office stating that I allegedly owe the debt along with a contract that was not signed or dated by me. It was literally a blank copy of a contract. I never received notice to dispute the debt, they just went ahead and added without my consent or knowledge to my credit report, with no means of contact. The worst part is during our recent correspondence to validate the debt, despite having my correct address from the debt validation letters I sent certified, they still sent their response to incorrect addresses twice, how embarrassing! I was only made aware of this alleged debt after being denied credit due to this account affecting my score. I have tried my best to resolve this matter with them, now I am forced to file this complaint.
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I was currently almost 18 months behind on my mortgage, receiving forbearance during various portions of that time period. When the pandemic hit, and the mortgage assistance programs were established by the government, we took advantage of that and remained on it while I was unemployed for the maximum amount allowable months to receive that assistance program. Now Wells Fargo is telling me I owe lump sump for those payments, totaling almost {$38000.00}. I am trying to go through a mortgage assistance program with them and be considered for loan modification, but don't feel as though the months covered under the pandemic relief program to protect home owners should now be thrown back in my face as if it were months I missed paying. I'd like to be considered for loan modification to start making payments again now that I am employed full time again, but feel like the XXXX  months I was behind should be what we operate off of. I am not completely well versed in the terms of the pandemic relief mortgage protection program we took advantage of, but feel like those months should be rolled to the back of the loan since the technical reason for not paying my mortgage was because I was protected by a government pandemic relief forbearance program. I am ready to resume making mortgage payments again, but wish to be treated fairly and not have the fact that I took advantage of an offered program during a hardship now be held against me.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 3 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2018-05-08
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. (AL)

I have reached out to the bureau by phone, online and by mail I have notified them that this Bankruptcy showing on my file isnt mines. I have contacted the courts as well and have been notified that the bureau hasnt contacted them to verify any information. However the bureau is insisting that they have investigated such matter and will not provide me with who they are investigating with or verifying through. 
I also have been told by the bureau that they are not directly investigating themselves which how can they report inaccurate information that they are not even verifying I would like the bureau to investigate directly and provide me with the party who they are directly verifying to.
Consumer complaint received 2018-05-08
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: CITIBANK, N.A. (CA)

When l checked my XXXX  Credit Report, l noticed that on XX/XX/2017 an unknown hard inquiry was made by CBNA which l have no idea about it at all.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONAL ASSET MORTGAGE, LLC (OH)

Within the past 5 years I have applied to National Asset Mortgage to have some kind of repayment plan or loan modification. Each time I supply all documents and never get a response. I have just continued getting late payment notices, late fees, etc. The most recent modification request was in XXXX of XXXX. I still have never received a letter of denial or approval. I have sufficient income to be able to get this out of foreclosure but they said they will not accept any payment until there is some type of agreement. The previous attempts in modification or avoiding foreclosure was a mess. They assigned me to the same representative XXXX XXXX in XXXX of XXXX got no response then applied in XXXX again they said the reason I didn't get a response was because he no longer worked for the company. When I applied again in XXXX found out he was still there, went through the process again and still got no response. Within the past year a lot has changed. I moved to Ohio but my ex husband is still in the house. The loan is just under my name and I do not want to have a foreclosure on my credit as I am a licensed XXXX XXXX. I have exhausted what seems to me everything I can do. They just keep having me send documents but again they just sit on them and provide no correspondence or communication on what if anything is needed and just push me right to foreclosure.
Consumer complaint received 2020-07-25
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)

FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} DEPT OF ED/XXXX {$0.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$11000.00XXXX XXXX XXXX XXXX XXXX {$8600.00} US DEPARTMENT OF EDU {$18000.00}
Consumer complaint received 2018-05-08
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. (AL)

I have notified bureau by phone, online and by mail. I have placed a Fraud Alert on  my profile and still have not received the proper assistance. I notified the bureau that they were reporting inaccurate information and they continue to report it stating it has been verified as accurate. They are not investigating the matters themselves they are allowing a 3rd party to do so and isnt providing me information on who they are verifying through and with. Ive tried all means to have this rectified. 

Accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
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. (PA)

On XX/XX/2020 I sent a letter to XXXX  requesting they either send me proof for the following inaccurate items on my credit report : Item : XXXX XXXX, XXXX. 
Account # : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Account # : XXXX Reason : Not My Account Item : XXXX XXXX XXXX closed ) Reason : Not My Account ( Attached is documentation from XXXX stating that after conducting their investigation they discovered that this collection account is not my account and it was deleted, so I would like for it to be deleted from your records as well ). 

I stated I need documentation that these accounts are mine since they are being reported on my credit report. I also stated if they did not respond to my letter within 30 days of me sending the letter out, these items would have to be deleted for not providing proof. They still have not responded to my letters so that is the reason I am reaching out here today. I would like the following above items removed from my credit report if they can not accurately provide proof that these accounts are mine.
Consumer complaint received 2021-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 5 previous letters to you including one FTC report which was confirmed on the phone by one of your reps- XXXX ( confirmation # XXXX XXXX. He said the inquiries would be marked as fraudulent and would be off of my report within 72 hours which the call took place on XXXX. Today XX/XX/2021 they are still on my report., I am requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc. (MO)

In XX/XX/2022 I received a letter from United Credit and Collections stating I owed {$1900.00}, for a previous apartment. After several failed calls to the collection agency I decided to initiate contact through email and mail. On XX/XX/2022 I sent an email proving the charges were inaccurate. The collection agency then called and said the {$1100.00} charge was not for the original reason if me not giving proper notice to vacate but I was giving a $ XXXX for illegitimate military orders. I then advised that was not true and they do not have legal grounds to charge me a fee for that reason. The lease doesnt support that charge nor does the law. They still put it in my credit. I got it removed and the reinserted it again after I proved that they were wrong. She insulted me disrespect me and hung up. There are so many complaints about this agencys repeated offenses and they seem to go unheard. This has altered my business and my personal life dramatically and it is illegal. Please help us!!
Consumer complaint received 2022-03-02
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2018. I wired money XXXX to a bank in XXXX.XXXX XXXX XXXX XXXX. For a house I was purchasing. Come to find out the realtor email was hacked. Causing me to wire money to bank in XXXX. I called Chase bank to report it was a scam. They gave me a investigation case # XXXX. Told me they have to contact the bank in XXXX to get my money back. No good results yet. I have followed up many times. Still no action taken. I want to reclaim my XXXX that was stolen from me. Thanks XXXX
Consumer complaint received 2022-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp (MI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on LENDING CLUB CORP with account number XXXX. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of XXXX and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Pro Collect reported a negative item on my Credit file. An apartment complex. the account is old and re-aged. Pro Collect continue to add to the amount. I sent for validation of the account and never got a response from Pro Collect. They continue to report this erroneous account on my credit
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CT)

General Motors Financial is stating I have an outstanding balance. I made every payment on my lease. They put on my credit report that I owe them {$650.00}. I never received a bill. They are the worst company I have ever dealt with. They adversely affected my credit without notice. I will never buy a GM product again.
Consumer complaint received 2018-05-08
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. (DE)

I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXX and XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I did not authorize my credit to be ran on either of these days by any of the companies being shown.
Consumer complaint received 2020-07-28
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. (FL)

After reviewing my report I noticed fraudulent accounts reported on my credit history as well as false inquiries that I have no knowledge of. I am upset to know that my information has been accessed for things I did not consent to have and is now affecting my credit score. Please remove all negative reports and inquiries from my credit history as soon as possible!