davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
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 (CA)

PRA is continuing to illegally report monthly on my credit reports as a factoring company. PRA is a 'junk buyer ' and does not qualify as a factoring company. They also have continued to report a balance monthly, as well as reporting as the direct account owner with XXXX. This is a violation of the FCRA, as well as a violation of the terms of their consent order. They continued to contact me illegally as well and have denied this despite offering no proof. They called my father and my work after repeated requests to stop contacting me. They have also continued to claim they have sent me debt validation and information about my account balance, but have failed to provide either. 

It's clear from the below article and consent order that PRA is continuing their predatory practices and their refusal to provide information to me is a direct violation of this. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX   They have also 'soft pulled ' my credit numerous times, in what I assume is an attempt to continue their practices and looking for new ways to contact me illegally.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

On XX/XX/XXXX I received a letter from Freedom Mortgage that my XX/XX/XXXX payment had not been paid. Since they had been closed for the holiday until XX/XX/XXXX I could not speak to them. On XX/XX/XXXX I called as soon as they opened and spoke to XXXX. He stated that they did receive my payment for {$920.00}, but that my interest rate had increased for XXXX of XXXX and I owed {$100.00}. I paid Freedom Mortgage over the phone the same day the amount that was due. 

I expressed my concern that I did not want it to effect my credit score and they said it would not. I also asked for proof that my rate went up and they said they sent a letter but had no proof it was sent to me or that I was notified. 

On XX/XX/XXXX I checked my credit report with my bank and found my FICO score had dropped from a XXXX to a XXXX because Freedom Mortgage had reported that I had a payment 30 days overdue. Again, I disagreed with that since they didn't notify me and they were not open on XX/XX/XXXX. If they were I would have been within the 30 days. 

I called on XX/XX/XXXX and spoke to XXXX and XXXX and a grievance was filed against Freedom Mortgage to remove this damaging report. I again called on XX/XX/XXXX and spoke with XXXX about my concern and that I wanted to speak to the decision makers who they would not let me talk to. I also complained about the lack of follow up that I had made the {$920.00} on time but they failed to let me know it was short. 

On XX/XX/XXXX, I received a letter from Freedom Mortgage stated they would not take the negative reporting off of my credit report. Again, they do not take into account that I paid the bill on time and even the additional payment would have been on time if they would have notified me or been open.
Consumer complaint received 2019-03-21
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. (FL)

HELLO AS IT WAS REVISING MY CREDIT SPACE AND I SAW THAT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT AND TRY TO COMMUNICATE WITH SUCH COMPANIES BUT DO NOT KNOW HOW TO GIVE ME A SPECIFIC ANSWER PLEASE REMOVE THE CONSULTATIONS THAT I DO NOT RECOGNIZE THANK YOU.
Consumer complaint received 2018-12-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc. (AL)

On four different occasions I have asked Employees of Tower Loans not to contact me at work. I am a XXXX XXXX so obviously I can't receive personal or business calls at my place of employment due to the nature of my business. However, they continue to call my workplace even after being asked not to. 

They have also continued to call and harass my friends, coworkers and associates after being asked not to.
Consumer complaint received 2018-12-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: KeyBridge Medical Revenue Management (OH)

I HAVE A {$79.00} BILL IN COLLECTIONS I WAS NOT AWARE I EVEN HAD THE BILL APPARENTLY IT WAS FROM ALMOST A YEAR AGO, I PAID THE BILL AND ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND THEY SAID THEY WOULD, TWO MOUTHS LATER IT IS STILL ON MY REPORT AND IM TRYING TO GET A LOAN, MY MORGAGE COMPANY TOLD ME TO CALL THEM AND ASK FOR A LETTER SAYING THEY WILL TAKE IT OFF MY CREDIT REPORT, THEY SAID THEY CANT DO THAT, THAT ONLY THE CREDIT REPORTING AGENT CAN DO THAT, MY MORGAGE COMPANY ASSURES ME THAT THEY HAVE TO DO IT AND I DONT KNOW WHAT TO DO AT THIS POINT. 

KEYBRIDGE XX/XX/XXXX Open XXXX XX/XX/XXXX XX/XX/XXXX Placed for collection Collection XXXX, XXXX, XXXX KEYBRIDGE XXXX XXXX XXXX XXXX, XXXX, OH PHONE ( XXXX ) XXXX
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo reported that we were over 6 months late on our mortgage which never happened. I will admit that we were behind by 2 months but never 6 or more months consecutively. They reported this and it has a direct impact on my rating. They did this to make themselves look good and force my wife into signing paperwork that modified our house loan under false pretenses. This company is wrong and they know it.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

In XX/XX/XXXX I began employment with an organization called XXXX in XXXX, GA. XXXX XXXX XXXX I was hired as their XXXX XXXX XXXX XXXX. As such, I purchased a one year subscription from XXXX with my XXXX email address and my personal credit card. I departed that organization in XX/XX/XXXX and they immediately removed my access to that email address and continued using the XXXX XXXX account. Additionally, I believe they selected the auto renew option which resulted in another charge of {$400.00} in XX/XX/XXXX. So, in XXXX  of this year I was charged {$400.00}. According to XXXX XXXX, who refused to reimburse me because the account has been used by XXXX, they authorized payment. 
I contacted XXXX ( who by the way are a credit card distributor with the XXXX Visa Card ) who's VP of Human Resources admitted accessing the account but refused to offer me the reimbursement. 
I called Citi Card to report fraudulent use of my credit card and they claim it is not fraud? I'm not sure what to do. My card was used by XXXX without my permission and they locked me out of the XXXX XXXX account so I was unable to cancel, receive renewal reminders, etc.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Back in XX/XX/2016, I ( XXXX XXXX ) have tried on numerous occasions ( thru the attached documentation ) to explain to bank of America, that my prior checking account had received fake checks deposited that do not bear my signature or identification, but have been unable to get this information resolved ; I had misplaced my debit card. 

Please see the attached information. 


Thank you, XXXX XXXX
Consumer complaint received 2021-11-20
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. (TX)

XXXX XXXX has violated my consumer rights reporting information that is obsoelete and degrading my character and rights i have never authorized XXXX XXXX to report anything to any credit agencies so with that being said under the XXXX that is most definitely viloating my rights nor have i did business with these creditosr i have reached out to the companies demanding to remove these accounts and i have sent XXXX demand letters im now filing a class action law suit against XXXX XXXX, XXXX, and transunion, XXXX XXXXwas sent a police report which was denied they stated i need a new police report which is not truei only need one which the one i provided as of XXXXall companies has been violating my consumer rights and reporting obsolete information i also gave XXXX a demand letter demanding to remove fraudulent accounts they did not complete a verified investigation nor did they provide me any proof of how the fraudulent accounts verified this now has been referred as a civil lawsuit
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (FL)

Have an auto loan that I acquired in XX/XX/2013, Ive been late a lot of time due to financial hardship but never stopped paying. Now my loan has mature I am done with all my payments and the are charging me almost 2 thousand dollars more. When I called they told me it was late fees and months that I had requested extensions and that I needed to pay all XXXX XXXX dollars at once or they where coming to get my car. called again trying to get a plan to pay everything without them taking my car but I was told now that everything I owe is interest and late fees ( they say today that they are not coming to pick up my car ). The issue is that they are not consistent on why I owe that much money every time I call they give me a different story and on top of that they are constantly harassing me calling me all day long even when I speak to them they keep calling back, they call my job, they call early in the morning late at night from different numbers even from out of the country numbers. They dont check their records before calling even after I pay they call me saying I need to make a payment And a lot of time they are not very nice when they call.
Consumer complaint received 2018-12-06
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

I had forgotten I had purchased a small item at Best Buy on XX/XX/18 ( thought I had purchased at XXXX where I had purchased other of same product ). I had not purchased anything from BB in a long time and was not receiving paper or paperless statements. ( *I 'd previously purchased major appliances and never had an issue. ) In XXXX I received notice of late payments and IMMEDIATELY paid for all late fees, interest, etc. on XX/XX/18. I have never been late for any payment to any creditor. When I spoke to them in XXXX, they said they would contact the credit bureaus to forgive the lateness since a technical issue. This still has not been remedied and have disputed multiple times. When I called again today, they said there is a federal law that prohibits them from correcting or forgiving lateness, even with my excellent history with them. I have gotten quite the turnaround and am hoping you can help rid these from my credit report. Please let me know what other information you need to assist you in helping rectify this. 
I am attaching a photo of a letter that sounds like they fixed it and in fact did not. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MT)

This Midland " debt '' stems from a XXXX order back in 2010. I paid my bill with auto pay from my bank and can get those records again ... I sent them to XXXX and Midland to no avail. I have the original order records. The payments were set up by XXXX to come directly out of my bank account at XXXX XXXX. After that period of time was over I contacted to get the last payment and found out that they had taken out {$20.00} every month for 2+ years and then changed my account {$40.00} every month for being late. I never received a notice ... we were paperless ... and XXXX themselves set up the auto payment. I have tried several times to show the truth about this mess. Please help.
Consumer complaint received 2022-07-21
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$230.00}
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX I certified mailed a dispute letter to Capital One Auto Finance to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of statements. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX  hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Consumer complaint received 2018-12-06
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: FACTUAL DATA CORP. (ND)

On XX/XX/2018, I received a letter from Factual Data stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. Factual Data failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want Factual Data to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, XXXX, XXXX  ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (AZ)

My husband and I had a loan from Wells Fargo bank sometime around XX/XX/XXXX to XX/XX/XXXX. I never missed a payment and I was never late with a payment. I paid it in full and had a XXXX  balance. I moved from XXXX to XXXX in XX/XX/XXXX and decided to close the loan. Wells Fargo charged me {$160.00}. They refused to close the loan unless I paid that amount. I paid the {$160.00} because I didn't want anything to do with that bank. I don't believe that was legal but I don't know for sure. I had never heard of having to pay a price to close an account. I no longer have the paperwork involved in that transaction but I am submitting this complaint because I want it on the record. I feel I have been ripped off by those cons.
Consumer complaint received 2018-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX XXXX : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX, TX XXXX XXXX XXXX  XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion : Delete : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-21
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

My income was decreased because of my work hours being cut back. I have been struggling with my mortgage payments for the last few years and I have excessive late fees from being late. 
I've recently requested a mortgage modification.Submitted financials and the modification request to my mortgage company Mr. Cooper. My mortgage sent letters that say my mortgage has been sent to a collection agency. I don't want to lose my home I want my modification request to be processed. I need help
Consumer complaint received 2018-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc. (TN)

Something is showing on my credit report with a company named Financial Accounts Services for what appears to be some type of apartment complex named XXXX  XXXX. I never lived at that place and they continue to report this false information on my credit report.
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Auto Finance Co (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SAFCO  Account Number : XXXX Date : XX/XX/2015 Amount : {$7100.00}