davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Hi, my name is XXXX XXXX I have been reaching out to the XXXX credit bureaus XXXX, XXXX, and Equifax since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time XXXX, Equifax, and XXXX have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which XXXX, Equifax and XXXX are forcefully reporting delinquencies and not responding letting me know the results of their investigation.
Consumer complaint received 2022-04-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name is XXXX XXXX I have been reaching out to the XXXX credit bureaus XXXX, transnunion, and XXXX since XX/XX/XXXX. It is now XX/XX/XXXX I will enclose documentation of this proof within that time Transunion, XXXX, and XXXX have not met my demands or response to information on my credit report in which I want validated. These accounts that I will list below do not belong on my credit report. I have submitted the FTC reports, proof of identification all that was asked of me and my consumer rights are being played with. I am reaching out to the CFPB to provide them with proof of what is going on and to show that I am 100 % right in this situation in which Transunion, XXXX and XXXX are forcefully reporting delinquencies and not responding letting me know the results of their investigation.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery at XXXX XXXX XXXX. XXXX, VA XXXX has been sending me collection notices in the amount of {$690.00}. The collection has been reported as pasted due balance. I do not know this company. This company does not have a contact with my signature.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I got a letter from my company stating that they got an order of garnishment from Portfolio Recovery Associates , LLC. for the amount of XXXX. This is the first I have ever heard of such debt. I have never received any mail or email about this debt from the above company or any court notifications ( I assume they would have to send me legal notifications about this garnishment attempt before it went through? ). 

I check my credit report regularly and have average credit. I have never seen this debt on my credit report so am rather confused on what it is for. Especially because I received no notice that this was even a thing, so no way to even challenge it. 

I feel powerless as I have no legal recourse here as they are going to garnish my wages. I don't even have details on how much or how long they will garnish, nor an opportunity to defend myself. 

Please help.
Consumer complaint received 2022-04-12
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (AL)

I am tired of these collection agencies. Always placing things on my credit file. Without giving me my dispute rights. I never received a letter from them. All thought they will lie saying they did or say they can't locate it to keep reporting it to my credit files. I am paying fortiva directly. Which I just made a {$20.00} payment to them directly.
Consumer complaint received 2023-07-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

Attempted to get pink slip at DMV. I was told that they could not provide the pink slip because Wells Fargo still showed themselves as lien holder. They communicated that Wells Fargo had to release the lien by computer. This is the second time I have reached out to Wells Fargo with no success. I am trying to sell vehicle but am being held back by Wells Fargo bank
Consumer complaint received 2022-04-12
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. (GA)

Fact, XXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I completed a mortgage refinance with XXXX Mortgage XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX Mortgage decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to XXXX and a mortgage appeared in my personal XXXX account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX Mortgage within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both XXXX and XXXX Mortgage to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for XXXX to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both XXXX and XXXX Mortgage that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted the company at the beg. of XXXX to unfreeze my account, after contacting the multiple times they finally said it was unfroze on XX/XX/2022 so i applied for a XXXX XXXXoan with the bank who stated and sent info that my credit is blocked and or no credit report which has cost me money I have contacted Transunion since then and all they say is a XXXX will call you back in 5days and then the XXXX does nothing my report states your Transunion credit report freeze status is unknown & to call the XXXX which takes me back in circles
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I completed a mortgage refinance with XXXX Mortgage XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX Mortgage decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to XXXX and a mortgage appeared in my personal XXXX account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX Mortgage within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both XXXX and XXXX Mortgage to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for XXXX to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both XXXX and XXXX Mortgage that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management wanted to collect a debt from me that I did not owe. The debt was for XXXX for XXXX XXXX The debt collector said that a letter was sent to me but gave me a different address that was not mine. It looks like they have the wrong XXXX XXXX. This is harassment because they should do their due diligence before accusing someone of owning by making sure it is the right person..
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service (NY)

I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

I am unable to open up a new TD checking account because TD incorrectly has a fraudulent account listed as a " charge off '' in the amount of {$1500.00}. That account has fraudulent transactions on it and I should not be responsible for any of it.
Consumer complaint received 2022-04-12
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. (NJ)

Delete all The Hard Inquires from my credit reports Exsperian there is a total of 6 hard Inquires on my credit report that I don't recognize. 
XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX DXXXX XXXXl Inquiry date XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX XXXXs Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXXs Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX
Consumer complaint received 2022-04-12
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)

Fact, XXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).
Consumer complaint received 2022-04-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account  # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Hello, I was checking my XXXX, XXXX, and XXXX and the company credit acceptance corp, XXXX XXXX. Credit acceptance has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/year>. XXXX acceptance says paid off but also still updating information to potentially in the negative which is causing the score to be low.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I contacted these companies that are furnisher incorrect information on my credit report. I contacted them based on my consumer laws and let them know this information is inaccurate. I requested varication and they did not provide anything other than just saying they verified my information, If they verified my information I request the verification that is required under consumer law but they will not abide. 

One of these companies requested my social security number in which I will not reveal to someone I do not know. Why are they requesting my information when I sent them a letters with the accounts number that is inaccurate from their company.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I got a transfer from my employer about 700 miles away so I sold my house and got one under contract but my mortgage broker tells me I have to get a {$180.00} collection removed from my report I have called 3 times and asked for a deletion and was told they never do deletions even if I paid it in full the account is from an internet provider I have paid it and turned in their equipment I just can not find my receipt I offered to pay it again they still will not delete the collection I disputed it on XXXX they sent me an email saying the item was deleted but its still there and they still refuse to delete it so Im stuck XXXX and a XXXX veteran between a rock and a hard XXXX the internet company cut my service after missing only one payment of {$55.00} so I dont understand how it could be {$180.00}
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

WAKEFIELD AND ASSOCIATES IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE MEDICAL COLLECTIONS FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.
Consumer complaint received 2022-04-12
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. (TX)

In accordance with Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (NJ)

I NEVER HEARD OF/FROM THE CURRENT COLLECTIONS AGENCY ( U.S. ASSET MANAGEMENT INC. ) FOR XXXX UNTIL AFTER XX/XX/2022, WHEN I HAD SENT A DISPUTE TO CREDIT BUREAUS CONCERNING MY LESS-THAN-GOLD-PLATED CREDIT SCORE. THE COLLECTIONS AGENCY SEEMED UNMINDFUL OF THE POINT THAT I MADE ABOUT THE REPEATED LY FAILED ATTEMPTS BY XXXX TO CORRECT MY PHONE SERVICE PROBLEMS AND THE CONCERN FOR " JUSTICE AND FAIRNESS IN BILLING '' TO FAITHFUL CUSTOMERS WHO HAVE RECEIVED CONTINUALLY FLAWED SERVICE OVER AN EXTENDED PERIOD OF TIME.
Consumer complaint received 2022-04-12
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. (WI)

my credit report was lowered by XXXX points over the course of two days i am current on my debts and continue to pay i feel they are intentionally lowering my score in order to upsell me on extra credit protection that retails for XXXX dollars a year this in not right
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have calles all three of the credit bureaus but I keep getting hung up on when I try to get the fraud department and get these alerts removed. I have missed out on getting my apartment and I really need these alerts removed so that I am able to secure another apartment before my current lease is up next month