davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX I checked my XXXX XXXX account so I could pay a bill. I noticed that there was XXXX taken from my bank account. I attempted to contact the company that placed the hold on on the XXXX XXXX. There was no answer and I left multiple messages. The company is XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX. XXXX XXXX Tx XXXX. On XX/XX/XXXX my husband notified me that XXXX XXXX XXXX placed a hold on our other account that his military retirement checks are directly deposited into. They withdrew XXXX dollars from both accounts on XX/XX/XXXX. This made the XXXX account negative of XXXX dollars. At this point I contacted XXXX XXXX in which I live and they had no record of a judgement. I then called XXXX XXXX where the XXXX XXXX XXXX XXXX is located and they had no record of a judgement. I then called XXXX XXXX where I resided until XXXX and found a judgement that I was not aware of. I was only aware of a judgement that was satisfied when my house sold in XXXX. I was never served for a debt. I then called Portfolio recover and they stated that they tried to notify me and provided the wrong address and phone number. The phone number was not recognized. They then told me I have to contact XXXX XXXX XXXX. On XX/XX/XXXX I found a local number for XXXX XXXX XXXX and spoke with a legal assistance ( can provide name if needed ). She then told me I could make payments of the full amount or I could pay XXXX. I told her that I was not aware of any debt. She then sent me a charge off notice. I told her the amount is now XXXX and I am not sure how I owe them and would like a complete verification that this is my debt. The state of Texas has a statue of limitation of 4 years. XXXX XXXX XXXX took XXXX cents from my accounts. Once account has military retirement funds and the other account has a XXXX XXXX directly deposited.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

Twice in the last week, Wells Fargo has made me change my online username and password ( which accesses two checking accounts, a credit card, and a student loan ), without explanation for why. I spent 30 minutes on the phone today, including with a supervisor, who said it could be anything from a pattern they see in my username, to " outside information '', or to someone actually accessing my account. She refused to disclose which category my issue has fallen into ( but would acknowledge I have a " case '' open in the investigations department ), which is neither helpful nor appropriate : if someone is somehow accessing my account, I need to know, so that I can discover how and properly protect my devices and other accounts. <P/>It is my account, I have the absolute right to know what is being done to it and why. The fact that I use a VPN ( with IP addresses within the United States ) and a password manager for my enormous and complex password should not restrict access to my account, yet I somehow feel this may be the case. <P/>This is simply the latest in a pattern of behavior from Wells Fargo under the umbrella of " fraud detection. '' They froze my cards just two months ago because I was three hours away from home -- within the same state -- and they determined this to be " fraudulent '', even though there was a trail of spending from home to my previous location to the location at the time the cards were  frozen. <P/>I do n't want Wells Fargo making unintelligent decisions on my behalf, I do n't want them determining what are and are not valid transactions, and I do n't want them pretending they know better without explaining why/how.
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (TN)

Asked them to stop Calling me as I am using a third party service to settle my debts. They have continued to call me, most recent XX/XX/2020 and XX/XX/2020. They have also called my MOTHER and my FATHER post me asking them to cease calling. My mother was contacted yesterday, XX/XX/2020, after I again asked the woman who refused to identify herself on my phone for several minutes, to stop calling. This is harassment and I want it to stop. They had ceased Calling for several months and I do not know why they have started again. The company is American Express.
Consumer complaint received 2020-06-05
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. (NY)

To Whom It May Concern, I wanted my equifax n XXXX  updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me
Consumer complaint received 2019-09-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/19 I received a letter from Wells Fargo stating they were recalling my mortgage loan and we were in foreclosure. Prior to this letter, I have been working with the company on loan modification and paying to make the account current. We have been in communication by phone for 2 months prior to now consistently. Leading up to this letter, my most recent calls being XX/XX/2019, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was never mention of this happening or being a possibility. Until the phone call on XX/XX/XXXX, I was working on loan modification, making payments trying to catch up and work with Wells Fargo to keep my home. The phone call the 13, when I was calling to make a payment, I was told we were in foreclosure and no one could talk to me or take a payment. Upon getting home that day, I did have a letter in the mail stating in foreclosure and i need to move out or pay the remainder of my mortgage {$56000.00}. No other communication of letters or mail ever came to me except my monthly billing statement. NOTHING. On XX/XX/XXXX I spoke with the person in charge of my loan modification, and he did personally discuss foreclosure and kept bringing up something called a reinstatement amount, and all about a default letter, a cure, etc ... None of this stuff had been sent or told to me. NONE. ALL I have received is that now we are in foreclosure and a sale date is pending to be set. He also spoke about the law firm handling my case, again have received nothing. He reviewed my case in their system and stated and agreed none of this had been sent to me. None of this showed in my history data in their system being discussed or sent with/or to me. He could confirm all the phone calls I have above mentioned and more with no notes of this. I was told by him a court case has already been filed against me. I also have no information about this. Now or prior. He stated " I just should have expected in being behind in my mortgage. '' My mortgage was 120 behind on XX/XX/XXXX by this time I had already began loan modification and working with them to bring current. Truth in Lending Act states dual tracking by a creditor cant happen. I was doing my part. There was no way I could have " expected it being behind in my mortgage. ''
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE (MD)

At first Barclay Bank would call and we had a payment plan set up for {$20.00} a month in XXXX because I was going through a rough patch and the representative said they could help soothe the damage it may do if I didn't pay anything at all. While I was still paying on the payment plan they sent the debt to numerous debt collectors, who proceeded to harass me over the funds owed to original bank at an even higher amount. About a year later, XXXX, Barclay bank filed a lawsuit which I was not given any notice of to dispute, just a date for court, which resulted in my income taxes being garnished for over a thousand dollars. Directly after the withholding of my taxes, I reached out to the company and was insured that the dispute was settled. But now I am still being harassed by debt collectors on behalf of Barclay Bank for the full amount of the original debt.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (IN)

In according with the Fair Credit Report Act XXXXXXXX XXXX XXXX account number XXXX, has violated my rights. 

15 .U.S.C 1681 section 206 A. States I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It States a consumer Reporting can not Furnish an account without a written description.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (NC)

I filed a dispute with XXXX  on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by Credit Karma. I also had this same account listed on my XXXX   credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my XXXX and XXXX credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-01-31
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. (FL)

I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be on my credit report.
Consumer complaint received 2022-09-02
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$55000.00}
Consumer complaint received 2022-09-02
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. (GA)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2019-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (UT)

Mariner finance sent a live check of a loan amount of {$2500.00} to my personal postal mail. This check was subsequently stolen from my mailbox and cashed. I did not cash this check, nor did I ever have it in my possession. Now Mariner Finance has opened a loan account in my name for money that was stolen and used fraudulently. 

The check was in my mail on XX/XX/2019. I have the scanned image from USPS. I never saw this check in my mailbox or possession. This check was stolen from my mailbox and subsequently cashed XX/XX/2019 at XXXX XXXX XXXX in XXXX, UT. I do not know how this check was legally cashed without a fingerprint or two forms of identification.
Consumer complaint received 2018-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (NC)

Bank drafts setup for a new vehicle. We moved once and changed banks once during the 5-year loan. The ACH form was updated 3 times. Our address has been corrected on at least 5 separate occasions with this bank ( TD Auto Finance ), and we had more than one account. It was noted on several different occasions that our address wasn't updating for this account, but that it would be resolved. Our phone numbers remained the same for the 5 year period as did our email address. Bank drafts went through each month on time. We do not pay bills late. TD Auto Finance never had an issue with our payments, and never once made any attempt to contact me over phone, mail, or digitally. Then : In XX/XX/XXXX, more than 60 days after the title should have been mailed out : I received a collection call about this loan. TD Auto Finance states that there is small print somewhere stating that they don't draft the last payment ( originally {$570.00}, now {$600.00} ). I have now spoken to TD Auto 5 times since XX/XX/XXXX with 4 of the calls ending in " we're sorry. this was our fault. we will fix it and call you back on this specific day ''. Never once was my call returned. 4 days later, my perfect credit score dropped by 80 points. I am furious. I have recorded all communications and phone calls with TD Auto Finance ( I reside in NC ).
Consumer complaint received 2022-09-02
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX Date Opened : XXXX XXXXXXXX XXXX Balance : {$9900.00}
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (WI)

I paid off my Tjmax card. In XX/XX/XXXX. Then I get a notice of late payments. I called and the said I had 2 cards open. THE PAYOFF was for old card I n ever got a statement for the old one. So i thought I paid and closed my card Tjmax and i get another statement for late payments saying I still owed more money on a different card. Thank you XXXX XXXX
Consumer complaint received 2019-01-31
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. (AZ)

I have disputed a 90 day late payment being reported on my XXXX XXXX account # XXXX for XX/XX/XXXX with Equifax, XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AK)

I tried calling the company, Experian, and was unable to get a person. The automated system was rude, complicated and unhelpful. It froze my credit and hung up on me. I have no reference number. This is not what I was trying to do, and the automated system rapid fire rattled off a very long number which I could not write down and then hung up on me. I was unable to contact a person no matter how hard I tried. I filled a complaint here # XXXX. You sent me an email saying my problem was resolved. In the email, it detailed I could unfreeze my credit with my PIN number. I do not have a PIN number. It said I would receive a corrected credit report. I have not received a corrected credit report. None of the things Experian reported doing were accomplished and my situation has not been improved.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

On XXXX XX/XX/year>, I received an email collection notice from Columbia Debt Recovery LLC, dba Genesis ( the collections agency ) for the amount of {$1000.00} on behalf of XXXX at XXXX. On XXXX XX/XX/year>, I send the collections agency a Debt Verification letter via email and received an automatic notice that my correspondence was received ( see attached documentation ). 

The collections agency did not respond to my Debt Verification request either electronically or via mail. 

The collections agency reported this collection on my XXXX credit report on XXXX XXXX, 2023 prior to sending me the initial notice ( attached ) and despite being unable to verify the debt. They did not speak with me on the phone or in person about the debt, nor did they wait a " reasonable '' amount of time for me to respond to the collection notice.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CO)

I have made a payment through XXXX on XX/XX/XXXX that has been confirmed to have posted to you on XX/XX/XXXX for the amount of {$1200.00}. It is not in suspense. I have called multiple times and nothing happens. The customer service people can only email the cashiering dept. This amount should be in suspense until the other half of my payment is completed. 

This is ludicrous that I need to continue to call to see what the XXXX is going on. You are welcome to check the account history bc there have been nothing but problems since the merger.
Consumer complaint received 2019-01-31
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: Experian Information Solutions Inc. (NV)

Hi, I need help Please : I need to have a meeting with you to talk about the physical damage that has come to us due to incorrect reporting by the company credit report. 
Thanks