davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (LA)

I HAVE REACHED OUT TO ALL COMPANIES NO LESS THAN THREE TIMES. COMPANY HAS FAILED TO VALIDATE THE DEBT EVEN THOUGH THE DEBT IS REPORTING INCONSISTENTLY ACROSS CREDIT BUREAUS. THEY HAVE IGNORED MY REQUEST AND VIOLATED MY CONSUMER RIGHTS. PLEASE HELP AS THESE OUTRAGEOUS REPORTINGS ARE STOPPING ME AND MY FAMILY FROM OBTAINING HOUSING. PLEASE HELP ME TO REMOVE THESE ACCOUNTS IMMEDIATELY.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 7 months 26 days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed 4 years 5 months 5 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 12 years 1 month 16 days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (MD)

I have received a collections account from an agency that was filed in error as I have a legal payment arrangement with the creditor and paid them before the deadline to avoid collection activity on my credit. They are refusing to remove this fraudulent activity from my credit and its effecting my score incredibly Creditor : DIVERSIFIED Acct : XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KEYCORP (WA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (IL)

I ended a contract with XXXX on XXXX in XX/XX/2022. I paid all fees, moved out XX/XX/2022, and returned keys XX/XX/2022. A ledger was printed with a refund of {$3.00} that was owed to me and was supposed to be sent in the mail. This was printed XX/XX/2022. Two months ago, I recently been getting harrased by a rent company called Rent Recovery Solutions saying they are collecting a debt for {$6600.00}. This has drastically effected my credit score causing my credit to go from XXXX to XXXX once it was reported to all three bureaus. I am currently in the process of buying a home and it has put me on hold due to this issue. I have no business with Rent Recovery Solutions and I have NEVER had a collection on any of my credit reports until now. I am extremely mad about this issue. When I tried to contact the company they informed me to call corporate and corporate informed me the debt had already been sold.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (PA)

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

My initial communication with MIDLAND CREDIT MANAGEMENT LLC was on XX/XX/2022, where I requested a validation of this alleged debt. The reporting of this alleged debt is a result of identity theft. I did not initiate any transaction with MIDLAND CREDIT MANAGEMENT LLC. I requested LEGAL proof that I have an obligation to MIDLAND CREDIT MANAGEMENT LLC. Also, in XXXX of 2022 I sent a Cease and Desist. Cease and Desist means ALL forms of communication including credit reporting. The amount of this alleged debt is {$2600.00} and due to the reporting of this false debt my credit score and credit worthiness has dropped immensely, currently affecting my ability to apply for a new home. I have not granted MIDLAND CREDIT MANAGEMENT LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt the claim I owe. In your companies response to my previous complaint you stated, " Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. '' You clearly left out the word LEGALLY when referring to the new third-party purchaser because you do not have the legal right. Delete this account from my consumer report or I will file suit against you for theft by deception and identity theft.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX/Walmart has committed multiple violations on my Credit report it is not 100 % accurate therefore should be removed from my credit report. 

On each of the bureaus the high credit and credit limit is different from each other they also have different account number XXXX account number is different from XXXX and XXXX  The Date of this account being opened is also different on each bureau Also the addresses giving to contact the creditor dont match up one shows XXXX Ga while the other two bureaus show XXXX Florida I also have sent and disputed this account multiple times and on XXXX  and XXXX  I see that the last reported date is still XX/XX/2015 which leaves me to believe they have refuse my request to investigate this account. 

These are serious violations and this TradeLine must be deleted from my credit report I will be sending a screenshot of my credit report showing these violations On each bureau I will also send a copy of this complaint and send my credit report over to the FTC and my attorney to review.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.
Consumer complaint received 2018-11-07
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. (CA)

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX XXXX.. They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (FL)

I am filing a complaint against American Express for failing to respond to my dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My dispute concerns an error on my credit reports from XXXX, XXXX, and XXXX, specifically an inaccurate 30-day late payment reported in XX/XX/XXXX. 

I have ensured that my account with American Express has always been paid on time, and hence the error is an inaccurate representation of my credit history. I have requested American Express to correct the payment history for this account to avoid any negative impact on my credit score. 

American Express has been unresponsive to my dispute letters, which is concerning and has affected my ability to qualify for credit. It is frustrating to see this issue go unresolved despite my efforts to bring it to their attention.
Consumer complaint received 2023-03-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AZ)

XXXX  has been non-compliant with removing the unverified account XXXXWELLS FARGO which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXXWELLS FARGO 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 2018-11-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NPAS, Inc. (VA)

This is a follow up complaint to XXXX-XXXX, in which 1 ) NPAS, working on behalf of XXXX XXXX XXXX, claims I never revoked TCPA consent and 2 ) XXXX XXXX XXXX, collecting on behalf of XXXX XXXX XXXX   contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with NPAS on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with NPAS which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that NPAS was managing and collecting on both accounts, but XXXX XXXX XXXX spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX XXXX and placed with XXXX XXXX XXXX, NPAS 's failure to honor my revocation resulted in me being contacted illegally by XXXX XXXX XXXX via autodialer on XX/XX/2018.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2018, Chase decided to close out my credit cards. I had to called customer service to inquire on why this has happened and the response I got was some account I was associated with was closed, but they do not know who or what. Furthermore I got a letter in the mail saying an affiliate without any specification, is ending their banking relationship with me and therefore this warrants the closure of both my credit card accounts.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

this company discriminates. i asked for help on past due payment history on my account. i asked for the late fee marks on my account be removed due to working on my credit. having a new card in good standing, due to me being XXXX and XXXX  XXXX XXXX. i was asked private info regarding my XXXX XXXX XXXX, i was told i was a liar that the call didnt exist until 3 weeks later the call was found. i asked for my late payment reporting history to be removed. this company says they dont remove negative history from credit reports when in fact they do and have done so. i have proof. they called me a liar asked for my XXXX info all to deny me. this company is sad. they did no research from my initial email to assist me. my proof attached shows that this company lies, they pick and choose. they discriminate. they are awful. they are able they can help but they wont help women.
Consumer complaint received 2018-11-05
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/2018 at XXXX EST, I got a phone call from a HSBC collections department representative, asking if I was going to make this month 's payment on time, and if he could get that going for me today. 

Payment is due on XX/XX/XXXX, and past due on the XX/XX/XXXX. 

I told him I would have it on XX/XX/XXXX, and he seemed to be ok with that. 

He then asked about XXXX 's payment, if I would have it on time, and that's when I got a bit angry about his line of questioning, and why I was being called in the first place, since nothing is past due. 

I told him that if this is they way they are going to do business with me, then to please don't call me any further because it felt like harassment. I'm not sure he understood, so I repeated to clarify my stand on this issue, but I'm not sure he got the message.
Consumer complaint received 2018-11-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP (PA)

I have an auto payment with Honda Financial Services. I am not late. I have never been late. I have a 15 day window to make a payment after the due date and utilize this occasionally. I always pay before the 15 day window. I scheduled a payment with a representative for my XX/XX/XXXX payment to be paid ( withdrawn from my bank acct ) on XX/XX/XXXX which is within my window. I have received XXXX calls since XX/XX/XXXX. XXXX phone calls just today. It is harassing and I've asked HFS to stop this. I can not sit on hold upwards of 20 minutes over and over again. I am thoroughly disgusted. I would appreciate any assistance with putting an end to this constant unwarranted harassment. All they have to do is check and will see my payment is scheduled. This is every month for 2 years. I can provide a copy of my credit report as proof I've never once been late paying this account. 

Thank you. 
XXXX XXXX
Consumer complaint received 2023-03-27
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: NAVY FEDERAL CREDIT UNION (GA)

There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with Navy Federal Credit Union XXXX Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Navy Federal Credit Union Home Loan ) making the report is not included on my consumer report. Navy Federal Credit Union, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (MO)

On or about XX/XX/2018- Consumer Reporting agencies sent most recent 'credit report ' and Professional Debt Mediation was/is fraudulently reporting that I owed them a debt. Accordingly, I sent a letter to dispute the legal authority of their alleged statement of debt ; and to request a contract between Professional Debt Mediation and myself, which will show that I was in breach and had a duty to pay them. 

On XX/XX/2018- Professional Debt Mediation sent a response, yet in these letter ( s ) failed to show their original contract to show I had a duty or was in breach thereof, nor any court order to authorize them as being a party of interest to whom a debt is owed. 

It appears that Professional Debt is in violation of Missouri State Law which has statute of limitations ( RsMO 516.120 ) on filing a suit for any alleged debt AND Missouri 15 CSR 60-8.110 ; and is committing unfair practices.
Consumer complaint received 2022-07-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Last month XX/XX/2022 I was told that my interest only repayment had to be completed in order for me to participate in the program. I was only offered a interest free payment program, which basically means I will be in debt for the rest of my life. When asked was I eligible for another program, I was told I was not. I provided my card information and my monthly payment would be from I believe {$260.00} to {$280.00} with a date of XX/XX/XXXX to began the payments.. I kept receiving calls from all types of numbers throughout the day and half the night and finally answered and it was NAVIENT reps calling from different numbers and area codes. I received over 100 calls within a 2 week span. Apparently I gave them the wrong card information in which they stated that they to go up on my monthly payment from {$280.00} to {$300.00} monthly after providing them with my finances for the month. I was told again that I was not eligible for any other program with NAVIENT. My account number is XXXX. I am currently looking to refinance this student loan because if I am only eligible to partipcaite un the interest only program, I will never pay this student loan down. Also I receive documents stating that I overpaid and never see where the overpayment is going.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/2018 i went to zales to buy a engagment ring for the sales reps was nice but fail to tell me about the hard inquiry and aproved me a amount and advised me to make a purchase worth the amount with the lack of knowledge on how that would effect my credit my score drop 40points XX/XX/2018 XXXX/zales decided to report a missed payment when in fact I did pay.Calls where recorded about experiancing hardship and comfirmed set date for monthly payment and was paid schedule. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points again! totaling over 80 points damaged my score with companies refusing to loan to me as i plan on buying a home.