davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to Portfolio Recovery! I keep disputing and XXXX, XXXX, XXXX saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe Portfolio Recovery this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Envoy Corporation (MD)

I sent a letter to the credit bureaus asking for verification of this collection account of {$360.00} through the physical verification of the original signed consumer contract and for all accounts that were posted my credit report to be deleted. The letter was mailed and received on XX/XX/XXXX. No information was sent to verify this account. Another letter was sent and received on XX/XX/XXXX. No information was sent to verify this account. A third letter was sent and received on XX/XX/XXXX. I also sent a debt validation letter that was received by Universal Collection Svcs on XX/XX/XXXX. I still have not received any information to verify this account or through physical verification of the original signed consumer contract with Universal Collection Svcs. This collection is negatively affecting my credit. It is unverified and needs to removed immediately and Universal Collection Svcs has failed to do this. I have kept tracking numbers and receipts for all of these letters.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I, XXXX XXXX, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 U.S Code 1692a ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that PORTFOLIO RECOVERY ASSOCIATES is in violation of 15 U.S.C. 1692c ( a ) ( 1 ) of the FDCPA. A representative from your company called me after XXXXXXXX  stating I owed a debt. I informed her this was an inconvenient time and after hours for me. She then proceeded to harass me and tell me it was only after XXXXXXXX  which was very profane. My kids are in bed at that time and my infant was breastfeeding. I then demanded to be placed on the Do Not Call list. The following day your agent called me again from the number XXXX violating 15 USC 1692 d ( 5 ) and I repeated that I should be on the Do Not Call List, to which your agent then deceptively told me your company does not have a Do Not Call List. PORTFOLIO RECOVERY ASSOCIATES then sent statements in the mail from XXXX XXXX stating that I owe a debt. Pursuant to Pacific concrete FCU v Kaunaoe 62 Haw. 334 ( Haw. 1980 ) statements & consumer contract are not sufficient evidence of debt. I have previously disputed this account several times with the consumer reporting agencies. I have also filed an FTC report on this FRAUD and harassment for this alleged debt. As a result this inaccurate account has been removed from my XXXX and XXXX report since XX/XX/XXXX. However, PORTFOLIO RECOVERY SERVICES still continues to report this fraudulent and inaccurate account to XXXX as collections and is in violation of 15 USC 1692 e ( 8 ). PORTFOLIO RECOVERY ASSOCIATES continues to mail me several statements using deceptive means to collect the debt allegedly owed. I have no agreement with PORTFOLIO RECOVERY ASSOCIATES and did not give consent for my nonpublic personal information to be shared with this third party or harass me stating I owe any debt. This account can not be verified when it has already been validated as INACCURATE and has been DELETED from my consumer reports. Reporting this account to XXXX is FRAUD and a violation of the FDCPA and the Fair Credit Reporting Act.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I received a bill from my Mortgage lender that my Escrow account had a shortage for over {$1400.00} plus an extra monthly payment that will begin on XX/XX/XXXX. 
I reached out to the bank right away and was told that the increased was because of the taxes and insurance and I said to the representative that the taxes from last year to this year had an increased of {$110.00} and the insurance increased was {$55.00} how did that equate to over {$1400.00} plus an increased in monthly payments and I was told that those are the payments. 
One of the reason why I chose to pay a " Bundle '' meaning Mortgage, Taxes and Insurance per month together was because I didn't want to get burdened with a sudden hefty lump sum of Taxes and Insurance payments, now I have great concerns that I am paying out double payments and eventually will have difficulties making the payments moving forward.
Consumer complaint received 2021-12-06
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. (VA)

Equifax, XXXX, and XXXX have neither reviewed nor investigated the information in the past disputes. I have disputed the bankruptcy on my file several times with supporting documents from XXXX and The US Bankruptcy court. I have sent each agency certified copies of these documents- ( XXXX ) I have also attached the supporting documents to this complaint. The misinformation on my credit file is hindering my financial growth and causing me great humiliation.
Consumer complaint received 2018-08-01
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)

Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX   account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I received email and physical correspondence from AMEX about a new program called Pay It / Plan It. The program allows a creditor to bunch up large purchases and create a payment plan specifically for only those purchases. After seeing this offer on both my AMEX App, Email and Physical advertisements I decided to take advantage of the offer. There was no need to sign up nor any credit check of any sort it was included within my card. I then made a large purchase and when I tried to complete the Pay It / Plan it program I was prompted by the app and the website that I can not use the Pay It / Plan It program. I then reached out to Amex both via chat and via phone and I was told that my specific card product does not allow this due to the minimum payment calculation or what have you. Yet I referred my fiance to use this card and she is in fact being able to take advantage of this program. In my 6 years with AMEX I have never missed a payment and I have had a high credit score. I provided proof to AMEX that I received an e-mail with a photo of my Blue Card and the last 5 digits of the card on the e-mail and the first link within the e-mail is the Pay It / Plan it program. When I spoke to a representative they apologized saying that this is not an offer that I am eligible for. I advised the agent that this is predatory lending and false advertisement by AMEX because I made this large purchase with this card on purpose. Mind you, AMEX has the highest interest rates and due to the program I could avoid such fee 's but apparently AMEX has boxed me in and now I have no choice but either pay my balance in full or incur their OUTRAGEOUS interest rates. I have proof of the email I received from AMEX and read all of the fine print and I should be eligible for this program. I am disgusted to be an AMEX member for over 6 years and not be able to take advantage of a program that was offered to me.
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$6000.00} and limit of {$5000.00} ; account number partially listed - XXXX, dates not listed,
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

At the maturity date of my loan XXXX stated that I owed another {$3900.00} in fees. 
I asked for proof and my payment history and they sent me 32 pages of daily interest and fees. 
They refused to send my payment and account history. 
The are in violation of federal credit reporting laws as they charge off my loan and they are still reporting as being delinquent every month and they are showing a balance. 
How can my loan be late if they charged it off? 
XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment {$200.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Term 42 months ( 3 years ) PAYMENT HISTORY You've made 50 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Not current No data Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes this account information Charged off account Fixed rate Times 30/60/90 days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My account was overdrawn and was charged hefty every day fees of {$30.00} USD each with a total amount of {$90.00} USD. I did know about this when I opened my account with them. This is too much to charge to their customers. Money grabbing method.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} Collection : XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX  : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$2500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX XXXX  : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX  : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX XXXX  : {$9200.00} XXXX  XXXX XXXX XXXX XXXX {$2800.00}
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

XXXX  has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SPRINGLEAF was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My mortgage company New Rez sent my tax money to the wrong place. This happened last year 2021 the last XXXX quarters.and 1quarter this year for a total of XXXX dollars I started receiving notices that my taxes were late I calledNew Rez they sent the money to my second property tax department in XXXX however XXXX claim they didn't receive the money.New Rez keeps telling me they are gon na get the money back and put it back in my escrow.They have raised my mortgage in the XXXX dollars a month instead of putting the money back in my escrow They keep lying to me every month. They admit its their mistake but they won't fix it.this has been going all year I pay my mortgage on time please help just want them to put the money back in my escrow
Consumer complaint received 2022-06-11
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. (NJ)

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Docket # XXXX has violated 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 without my written instructions.
Consumer complaint received 2022-06-11
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. (NJ)

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Docket # XXXX has violated 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 without my written instructions.
Consumer complaint received 2022-10-17
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. (GA)

I have been a victim of identity theft since 2015 I have had freezes, fraud alerts, put on my credit report. I have made police reports which I have sent in to Equifax reguarding account and inquiries not made by me. In one of my police reports from 2015 its listed that all my personal identifying documents where stolen, which includes passports, ss cards, tax returns info etc. EQUIFAX have removed the fraudulent accounts but NOT the inquiries from attempts to gain credit in my name fraudulently or unauthorized are made. I can not keep a fraud alert or freeze on my credit at all times because it hurts me when Im applying for credit. I can not help people have my information and tries to apply for credit or new accounts from time to time. As soon as I realize it, I freeze my credit and try to dispute inquiries. I have sent 5 letters of disputes for the inquiries and 8 fax. EQUIFAX has failed to investigate or reply. They have no proof I authorized or given permission for anyone to run my credit. Nothing that I signed with my signature. These inquiries and credit rating are affecting my livelihood, and they have not replied to me since XXXX when I began noticing the problem from my credit monitoring site.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AVANTE (GA)

This company Avante USA has been harassing me in regards to an account that is over XXXX  years old and was included in 2 different bankruptcy one in XXXX  an the other in XXXX the statue of limitation has well over pasted on this account.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (CA)

In California residents are allowed to " globally opt-out '' of the LexisNexis consumer database ( XXXX ), however, in practice every single user who attempts to do so will receive an " Internal Server Error :500 ''. This is almost certainly intentional. I suggest that it be tested by other CA residents. I have two friends who live in different parts of California and they have received the same error. This database is intentionally anti-competitive and shouldn't be allowed.
Consumer complaint received 2021-12-06
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)

On XX/XX/2021 I decided to pay a collection account from XXXX XXXX, but the company claims that I still owe them money, so I proceeded to mail the credit bureaus a letter letting them know that the debt was paid, including a copy of the receipt. On XX/XX/2021 I sent follow-up letters because the credit bureaus were still not responding. By today XX/XX/2021 the credit bureaus have not responded has not responded.
Consumer complaint received 2022-06-11
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. (NC)

In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.