davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I recently file a complaint with the consumer financial protection bureau on XX/XX/2021 against Portfolio Recovery Associates. At this time i request a cease of all written and oral communications and gave a list of violations under Fair Debt Collections Practices Act. At which stated each violation is 1000.00 15 usc 1692k ( a ) ( 2 ) ( a ) and to verify this alleged debt 15 usc 1692g. Portfolio Recovery Associates did not remove collections while in dispute from my consumer file with the credit reporting agencies under Fair Credit Reporting Act 15 usc 1681i ( a ) ( 1 ) ( a ). 
I was sent a summons though the mail in feburary that I was being sued in civil court in XXXX and another statement for payment which their main offices are located in virginia which is a violation per federal law to sue someone in another state. 
Which is violation of previous agreement from response to cfpb and a letter was sent to me though mail to cease all communications 15 usc 1962c ( c ) and 15 usc 1692c ( c ) ( 1 ).
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2020 my car loan with XXXX XXXX  was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called XXXX XXXX  multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

In XXXX 2017, I received a letter from AMCOL Systems dated XXXX XXXX, 2017 for an account placed in their office for {$150.00}. I immediately responded by certified mail dated XXXX XXXX, 2017, delivered XXXX XXXX,2017 XXXX XXXX requesting validation of debt as I am certain I have never done business with AMCOL Systems and also requested that all attempts to collect this alleged debt be made in writing.I did not receive a response. In XXXX 2017, I received another notice dated XXXX XXXX, 2017. The balance due on this letter indicated {$60.00}. I promptly responded via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX.In this letter I reiterated that I do not owe this company any money as I have never heard of them prior to the first letter. I requested proper debt validation under the Texas Finance Code. I received a statement of bill from XXXX XXXX XXXX for {$60.00} dated XXXX XXXX, 2017. The patient listed was NOT me. I responded again via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX advising that the documentation provided does not validate that I owe this company money. I never heard back from AMCOL Systems. On XXXX XXXX, 2017, I received an alert from my credit monitoring service that AMCOL Systems placed XXXX collection accounts on my credit file! I am not only livid that this company has failed to provide proper validation, they have violated my rights. This company has made multiple phone calls after being advised to communicate in writing. Between XXXX 2017 and XXXX 2017, this company has called me a total of 62 times. I have recorded the date and time of these calls which I will use to pursue legal action if necessary as well as copy of phone records to prove the violation.
Consumer complaint received 2022-04-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (PA)

I used Affirm to purchase a kayak from XXXX. I did receive a small payment from XXXX, but it was not for the full amount of the kayak. XXXX should have paid the full amount to Affirm. Instead I am stuck with a massive bill. With interest, I have already paid over half of the amount of a kayak that I returned as soon as I received it. Moreover, I was making payments for 6 months to Affirm before I even received the kayak. This should have never been set up like that. Please also look into XXXX, as they should not be allowed to operate in this manner.
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

FELONY THEFT ... 4TH OFFENSE ... NATIONSTAR DBA MR COOPER .... 
Let the record show that Nationstar once again collected 3 house payments ( XXXX, XXXX, XX/XX/2019 were paid ... evidence attached ) but stole the XX/XX/2019 payment to once again pay for fees it illegally added 3 years ago in defiance of an agreement they put in writing in a CFPB filing .... A reminder ... Nationstar identified loan origination fraud perpetrated by XXXX XXXX XXXX XXXX XXXX. On the phone and via email, Nationstar pretended to comply with loan cancellation ... they asked for the full 90 days from the CFPB ... and they foreclosed behind the consumer 's back even though the CFPB was copied the whole time via the Whistelblower email. It was not even close to compliance but Nationstar put in a CFPB filing that they agreed to honor the lower payment that was given to the defrauded consumer for the three months Nationstar stalled ... and the loan would be current ... We paid the full amount ... But Nationstar is a crime wave so they had to get the money back and try to steal the home ... that is their business plan ... to feed XXXX XXXX their auction service ) while processing fraudulent closings, including properties they never owned, documented from Title 365 via email ... hard evidence of selling homes they don't legally own using shady portfolio transfers through Title 365, the Title Co they also own, Nationstar then added almost {$2000.00} in illegal fees in this case, add that to the {$4000.00} in stolen payments ... and we cross the {$5000.00} threshold for FBI intervention. Nationstar needs to be fined. Their CEO and their employees need to be Federally prosecuted. The average consumer simply loses the home and they auction it off. Nationstar/Mr Cooper should not be allowed to touch any Federal loans. I have copies of illegal and fraudulent demand letters as recent as 2019, and this is the 4th time they have stolen a house payment ... the three previous payments were reversed only after complaints to the CFPB. I have repeatedly documented the criminal acts and consumer fraud ... and this is all part of the big money winner ... Defrauding the U.S. Government, PMI and FHA .... The CFPB needs to take every complaint against Mr Cooper seriously .... they are a crime wave that needs to be eliminated .... the people are being robbed. They have no police force to call ... They need you to fine them heavily to send a message ... " Don't lie to the CFPB or consumers '' ... right now they freely lie and deceive both. I have evidence. You have evidence ... spoon fed right to you ... HAPPY HUNTING
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

They charged off my account. I never missed a payment, so how can this be? They told me they charged off my account, because bank did a return check for speculation of fraud. These people who work at the bank, are liars! I needed this deleted off my reports.
Consumer complaint received 2022-04-04
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: ENOVA INTERNATIONAL, INC. (GA)

There is an account that is being reported on my XXXX Credit Report that should not be. The account is as follows : NET CREDIT Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. Net CreditXXXX XXXX XXXX XXXX a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I mailed out 4 letters to XXXX on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the XXXX XXXX. Each time XXXX sent a letter back to me stating " that the company that reported the information has certified to XXXX that the information is accurate ''. In my last 2 letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to Net CreditXXXX XXXX XXXX on XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my XXXX Credit Report as it is highly injurious to my credit rating.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I submitted a complaint against Equifax because I can not get access to my account. Equifax claims that account access is resolved as per previous response but entering the email address and password does not get access to the account. I also sent Equifax postal information and have not received received any response or apology from the company. The account access was tested on XX/XX/2022.
Consumer complaint received 2020-09-16
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: ERC (AL)

XXXX  opened a fraudulent account in my name. The person I spoke with in the fraud department said it could have been the person who lived here before me and they're placing the account under my name as a result. In order to have this account removed from my credit report, XXXX  is asking me to send them proof of residence which I don't have. They're telling me that they possibly mistakenly put this account in my name and the burden is on me to produce a document I don't have access to in order to have this fraud removed from my name. XXXX  sounds like a reckless company with unfair collections policies. Neither they nor the collections agency they've placed my account with have access to my account information because the account is too old. They can't even give me a complete address. The collections agency only has the city, state, and zip code. The collections company has no proof that I owe this debt and neither does XXXX XXXX. They're expecting me to jump through hoops to prove that I don't owe this debt but they can't even provide something as simple as an address where the service was supposedly installed.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received a ReliaCard from US Bank, which is designed to convey unemployment benefits from the State of Colorado to the recipient. I am age XXXX, retired, and have not applied for unemployment benefits. It does not look like a fake card ; it looks very real. I read on the internet that there are scams afloat that send these cards to seniors in order to get money from them, and this is my chief concern. I have not activated my card. I can not contact the bank because the line goes dead every time I try to call.
Consumer complaint received 2022-04-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Flandreau Santee Sioux Tribe (OR)

A mediation company named XXXX XXXX XXXX XXXX call me from the number XXXX. They told me I had an unpaid debt owed from Everest Cash Advance and that I was being reported to XXXX for fraud reported by XXXX XXXX XXXX due to using a check as collateral and closing the account before the collateral could be paid. They could not tell me the date of this purported fraud other than that it was reported XX/XX/2015. I supposedly owed {$2800.00} but due to Covid relief I could settle for 50 % of that over the phone. They told me repeatedly that they were not a debt collector but wanted to know if I wanted to settle the account before they reported it to XXXX which would then freeze my current bank account for up to 7 years. They were quite rude and hung up on me several times. I called them back several times and they said they would send me written notice but I have not received anything. 
This is a link to their website : XXXX XXXX XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX  / {$6400.00} / XX/XX/2020
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MD)

I have an auto loan and the Lender does not provide paper statements. When I go online I am able to see the payments/fees that I have made or been assessed. However the Lender does not have how the payments are being applied ( what goes to principal and what goes to interest ). I know they are doing this on purpose to avoid questions from other consumers who are experiencing the same thing. I have to submit a request ( which can take 2-3 days ) to show how may payments are broken down in principle and interest. Why? All other loans/credit cards I have show this information right on the screen/billing statement and it is readily available ... this lender doesn't. I feel like this is a violation of Reg Z.
Consumer complaint received 2020-09-16
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. (MT)

I've been trying to resolve this issue with Transunion and this is my last attempt before filing a small claims lawsuit versus Transunion for their knowingly and willingly violation of the FCRA. I recently viewed my Transunion credit report and notice numerous hard hit inquiries done on my credit report without authorization & fraud. Before this incident I had 0 Hard Hit inquiries on my Transunion Credit Report. XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXXXXXX XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020. 

The same hard hit inquiries were placed on my XXXX  & XXXX  credit report and both have addressed and deleted the hard hit inquiries. Yesterday I received a letter from XXXX  confirming their timely action & deletion of the same disputed hard hit inquiries. In regards to XXXX  they did the same but I have yet received a letter from them but I have an account with XXXX  that I can view my credit report at anytime and I was able to confirm that the inquiries were permanently removed as well. I will supply in this complaint the letter I received from XXXX.
Consumer complaint received 2017-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (TN)

I want to change my due date without renewing my loan and starting over. This company refuses to change the due date and they are charging me a late fee every month. Their refusal to change the due date makes me think it is to force someone to renew and or charge late fees illegally to the customer. I have asked every month for the past 4-6 months and they blatantly say they can not change it unless I renew which defeats the purpose of trying to pay a loan off. Every month they harrass me about paying I have asked and begged them to change the due date they constantly refuse. They send me massive amounts of mail about payment but will not change the due date. I also contact corporate office to complain about their local branch they never contacted me back. Please help me in this matter. I am so frustrated with this company I just want to pay my bill each month on time and at the end of the month. So I can never have to deal with them again. They constantly harass me every month asking me when I will pay I advised them each time to please change the due date. They refuse to change the due date unless i renew I refuse to continue to do business with them. I just want to pay each to get to my pay off. PLEASE HELP ME GET THEM TO STOP HARRASSING ME AND CHANGE MY DUE DATE
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (NC)

XXXX filed a debt collection notice on my credit report that appeared today XX/XX/2022 and to date, I have received ZERO notices of this alleged debt. I am happy to pay it, but it needs to be removed from my credit report and the proper communication channels should be followed.
Consumer complaint received 2019-03-19
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2022-04-04
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 spoke to a rep from each bureau, XXXX, Equifax, and the third one XXXX. Each rep advised me to file an FTC identity theft report back early XXXX. I did just that and submitted everything they asked for via CERTIFIED MAIL on XX/XX/2022. The fraudulent inquiries are still on my credit report and they have not even responded. Please help!
Consumer complaint received 2019-04-11
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: Westlake Services, LLC (MA)

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX/Westlake Fin Open XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX  XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Consumer complaint received 2019-04-11
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX Toyota Motor Credit Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX   XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Consumer complaint received 2019-04-11
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. (CA)

few accounts are reporting inaccurately and fraudulently under my expeiran and XXXX  and XXXX credit reporting agencies. 
i have been disputing these fraud account ( XXXX XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you