davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

In XX/XX/2020 my husband and I XXXX a XXXX  XXXX but had to have it dismissed because during Covid we missed a couple of payments. We voluntarily had it dismissed so when we were able we could refile. We continued to send our mortgage payments but phh kept returning them to us. So eventually I stopped sending them and concentrated on paying off our electric bill that had ballooned because of Covid and having everyone home with remote learning. We are trying to get a repayment plan because of Covid. But they refused us and now have an appeal in process. This week we received a notice that our homeowners insurance will be cancelled on XX/XX/XXXX. Because of phh. We wouldnt have this problem if they accepted our mortgage payment. We have foster children living here so everything needs to be in order. Thankfully both my husband and my employers has raised our salaries and would like to be able to pay our mortgage and pay extra monthly towards whats owed.
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Grant & Weber (VA)

I was hospitalized in a XXXX  XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. My bill was {$1400.00}. I began paying this and made arrangements with them to pay $ XXXX month out of my XXXX check. I made two payments, one in XX/XX/XXXX and one in XX/XX/XXXX ( check photos attached ). 

They sold this debt, despite our agreement and my payments, to Grant & Weber debt collectors in Nevada.

I have also made several payments to Grant & Weber, including over half the original debt, using my stimulus moneys. Nevertheless, they send me an aggressive, untrue statement ( attached ) and had refused ( as of XX/XX/XXXX ) to make note of my telephone agreement with XXXX XXXX to pay said $ XXXX, including threatening to report me to credit bureaus even today ( XX/XX/XXXX ).
Consumer complaint received 2022-12-15
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. (KY)

Hi, I have a case with you concerning Equifax case XXXX. They mailed a letter in responses to the complaint requesting the same information I have sent for 2 yrs. They are playing game, they think if they respond to us that I will forget and drop the case but Never this is illegal and they are wrong.Please post a review of this issue and inform me and others of how to pursue Attorneys. 
What are my rights under the Fair Credit Reporting Act? 

The FCRA provides a list of consumer rights regarding individuals credit history information. Under the Fair Credit Reporting Act, you have a right to : Access to Your Credit Report The act requires credit reporting agencies to provide you with any information in your credit file upon request once a year. You must have proper identification. 
XXXX tried to do the same thing, but thanks to you consumer protection after 2 yrs of them withholding my report they mailed it to me, '' Your awesome ''. So I will wait until you win my case as always, your champs. Thank you from the top of my heart, '' all who suffer injustice by these companies thank you.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, XXXX, & XXXX are reporting incorrect information listed on the account XXXX there are late payments listed that should not be there. The late payments are XX/XX/2024 and XXXX is report late payments for XX/XX/2024 that the other 2 consumer agencies are not. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have sent all 3 credit reporting agencies ( XXXX, Equifax, and XXXX  ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. I have attached all documents below.

Also, XXXX, Equifax, and XXXX  are in violation of the FCRA.

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

MIDLAND FUNDING LLC, HAS CONTINUED TO VIOLATE MY RIGHTS BY THEIR CONTINUING TO CALL ME EVERYDAY WITHOUT RESPONDING TO ANY OF MY REQUESTS FOR VALIDATION. I JUST RECEIVED A CALL FR OM ONE OF THEI R AGENTS STATING THAT " THEY ARE GOING TO FILE A COURT CASE AGAINST ME.   THIS IS NOT MY DEBT!
Consumer complaint received 2019-01-29
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. (PA)

I have written TransUnion on numerous occasions in reference to reporting inaccurate items. I was never late for payments on my XXXX XXXX account. I never missed a payment on my XXXX XXXX account. I have never been late or missed and payments inreference to my XXXX XXXXXXXX. I have never had a wrritten contract or agreement with XXXX XXXX XXXX who states I owe {$330.00}. The XXXX XXXX XXXX balance of XXXX the correct balance is {$0.00}. XXXX XXXX XXXX balance of XXXX accurate balance {$0.00}, There is also inaccurate balance of XXXX for XXXX the correct balance is {$0.00}
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I received a letter from  ARS tha t was supposed to be validation of debt. Instead I received a paper with a misspelled name, a date, invoice number and amount. My HIPPA rights are being violated because I 've never entered into any type of agreement or receive d medical services with or from ARS. They did  not provide proof of the debt ither.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Reference cases XXXX, XXXX, and XXXX that were previous submitted and response was disputed, after a review and discussion by phone with the cfpb I am re-submitting new complaints as I strongly feel that federal laws were violated and that the cfpb may have not fully completed a proper review of the response dispute. 

Synchrony Bank never addressed that fact I was not receiving bills and simply stated that the XXXX accounts were charged off and sold to second round and they no longer service the accounts. 

XXXX clearly stated " XXXX XXXX has made it clear he is interested in resolving this matter. We are in the process of negotiating a settlement agreement with XXXX XXXX '' yet to date have never contacted me to reach a settlement.
Consumer complaint received 2023-04-04
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 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 or 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report listed on the account XXXX. There are late payments that should not be reported to my consumer file. Each consumer agency is required to send out a notice prior to reporting any such information. Are the consumer agencies exempt from federal law? 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC (FL)

XX/XX/XXXX Rocket Mortgage created & approved a mortgage for {$100000.00}, account XXXX. The loan was on XXXX XXXX XXXX, XXXX yr old, & unqualified co borrower XXXX XXXX XXXX. The co borrower is not, was not qualified for this loan, Rocket Mortgage took advantage of XXXX XXXX, who passed 9 months later. XXXX XXXX was frail & obviously in declining health. XXXX XXXX passed XX/XX/XXXX. This loan should never have taken place, it caused tremendous grief & worry for XXXX XXXX. He had paid cash for the property at XXXX XXXX XXXX XXXX XXXX Ga XXXX on XX/XX/XXXX. XXXX XXXX did not know how to turn a computer on much less go through an online mortgage. The co borrowers section of this mortgage should be reviewed & Rocket Mortgage be held accountable for approval of a false application. 
XXXX XXXX was frail in health. He was of sound mind, but did not understand the process or the consequences of this loan. 
If in fact the loan does not have a co borrower listed, Rocket Mortgage is illegally keeping the account open. Rocket Mortgage has been notified XXXX XXXX passing.
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

This Fraud account has been ongoing for a year or so! I've repeatedly called XXXX attempting to resolve this issue to no avail! Most of the charges are interest. I paid and closed all other XXXX XXXX accounts and have refused to do business with them! I found this account backtracking automatic payments made to them. I called to have them to send verified charges. They sent me the statements and as I thought, I had not made any of the charges! They said that I probably authorized a contractor to and therefore was responsible for them. Entertaining that possibility, I checked w/another Real Estate client who had used the only Contractor who'd fit such a scenario. She'd sued him and won the judgement. He was deemed " uncollectible ''. I told XXXX. They told me that unless I could produce a similar judgement or police report I'd still be held liable. I called back again. They hung up on me twice! They warned me that if I discontinued automatic payments my ( good ) credit would be ruined. I'm cancelling further payments!
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

In XXXX I went to make an online purchase from my Discover Credit Card. I have made purchases with this card through the year as I have needed it. However I had received a credit card limit increase having been with the company for a handful of years so i knew there was plenty of money on the card. I went to use the card in the morning to order a XXXX gift for my fiance when I notice the Discover card app telling me my account is not only maxed out but over drawn! I have never maxed out a credit card and I have certainly never over drawn. I started panicking as soon as i noticed and felt foolish that I hadn't noticed sooner. I'm just not use to this kind of thing happening but I call the credit card company as soon as i am aware of the issue. I spent probably over an hour on the phone providing any and all information and going through the entire list of charges. The card seems to have been used physically dispite me having the original card. And what's harder to understand is the credit card company has stated that the charges stopped on the alternate card after the credit report was made though they said the card would still remain active while i recvived a new card. I assumed the guy must have stopped using it once it maxed out. That's just my guess. 
I was under the impression that everything was taken care of after I made the necessary calls. And was given reassurance by a Discover Card representative. But I earlier received another call back from Discover and they are saying that since I have shopped at similar places in the small town XXXX area, that it appears illigitmate. The representative also claimed that fake credit cards do not actually exist and that they are just a popular idea on XXXX. I asked if there was any information at all that I could provide to help with their investigation and provided as many details that I could possibly remember following the dates of the charges. The representative refused any addition information and she insinuated I was lying. I immediately continued to take action with a police report. Police Report Case Tracking Number : XXXX.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The CRA 's have continuously added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

TALKED WITH XXXX CREDITORS THEY TOLD ME THAT THE WHERE NOT THE XXXX KEEPING THIS DISPUTE ON MY CREDIT REPORT /BANKRUPTCY XX/XX/XXXXPAID IN FULL THIS DISPUTE WAS ADDED IN XX/XX/XXXX? PLEASE REMOVE IT. 
THIS IS KEEPING MY GOOD CREDIT SCORE DOWN AND I AM TRYING TO REFINANCE MY HOME. 
THIS WAS CLEARED ON MY BANKRUPTCY/ SPRING LEAF AFFIRMED AND XXXX AFFIRMED THEY ARE NOT HOLDING THIS UP
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

I have been behind on payments on a line of credit from Synchrony Bank for SAMS CLUB ; and have been harassed daily by this bank on an average of XXXX or more calls per day for well over one month. I can not pay the bill as of today, but will be able to make some payment within the next 30 days. 

I am simply tired of being harassed by the repeated phone calls and I refuse to answer them. This financial institution is more than capable of contacting me by letter as/if needed. 

I am well aware of the need and obligation for a consumer of financial services to pay one 's balance due on an outstanding credit line, however the actual amount due on the credit line is under {$1000.00} and does not in a reasonable person 's view require Synchrony Bank to call me XXXX times daily. The bank can send me a letter and I can pay the balance off over time. The credit line is currently suspended and I am not able to use it at this time. I will not, however, respond to the harassing phone calls until this method of attempted debt collection ceases as it is unreasonable for such a small amount of debt. 
. 
I strongly believe that I am being harassed by this financial institution and I want the harassment to stop. 

I am willing to pay as much as possible on the outstanding balance as soon as I receive my next paycheck, but will no longer respond by phone to Synchrony Bank. I am sick and tired of being harassed by the bank. 

I have had several issues of debt with other creditors that I have successfully addressed in the last five months, and will do so with Synchrony, regardless of their harassment of me. But I simply will not tolerate XXXX calls a day. It is ridiculous even if it is after XXXX and before XXXX. The debt will be paid, but I 'm done with the harassment.
Consumer complaint received 2022-06-07
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. (NJ)

I sent a letter on XX/XX/2022 to remove XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Roseberry Inc. (IL)

I have told title cash in XXXX Illinois that I do not have the money to pay then until tax refund. They are calling me 5-7 times a day and my work place. The car in which i have the title loan on was dzmaged in an accident and no longer is drivable.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc. (WA)

I'm trying to handle this Dispute with the collection agency, and they referred me back to the creditors about a debt that I do not owe. 
When I contacted the creditor, they no longer have my file. 
I Paid full months ' rent was on a month-to-month rental, never late also was not given back my deposit. 
my deposit was {$500.00} the rent was {$620.00} & I had One month extra paid rent. XXXX XXXX XXXX Apartments Owe me a total of {$1700.00} This Apartment complex became very unsafe for me and my kids. I had to move immediately due to the severity of the situation. 
There were people squatting in empty apartments not on the LEASE and these people were banging on tenant 's doors at all hours of the day & night. I was being stalked, followed and asked for change or food from these people. My kids and I were terrified. I filed a complaint with the front office, they said there's nothing they can do and that I had to call police. Here are the police reports. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

On our about XX/XX/2019 I viewed my credit reports and became aware for the first time that " Portfolio Recovery Associates, LLC : '' placed a collection account on my XXXX, XXXX, & XXXX. This arbitrary action by " Portfolio Recovery Associates, LLC '' had a devastating effect on my credit score & credit worthiness. I sent 2 letters ( both sent via certified mail ) to " Portfolio Recovery Associates, LLC '' requesting validation of debt and as of the date of this complaint " Portfolio Recovery Associates, LLC '' has ignored & denied my request. Furthermore, " Portfolio Recovery Associates, LLC '' actions is evidence that they are knowingly & willingly violating & denying my rights granted to me by " The Fair Debt Collection Practices Act '' ( FDCPA ) & " The Fair Credit Reporting Act '' The 1st letter ( via certified mail ) I sent to " Portfolio Recovery Associates, LLC '' was dated XX/XX/2019 & the second letter XXXX via certified mail ) was sent XX/XX/2019. I had no knowledge of " Portfolio Recovery Associates, LLC '' placing the collection accounts on all 3 of my credit report ( XXXX, XXXX, & XXXX ) and they failed ( knowingly & willingly ) placing collection accounts. Furthermore, " Portfolio Recovery Associates, LLC '' placed collection accounts on my credit reports without notifying me first & giving me the opportunity to request the validation of the alleged debt and by doing this " Portfolio Recovery Associates, LLC '' violated the FDCPA Collection Practice by placing a collection account on my credit report without sending me a letter first.