davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I have fraudulent accounts, I did not open on my credit report and I have contacted the credit bureau 's and credit companies to have the items fixed on my credit, but the items are still reporting on my credit and is damaging my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have a security freeze on my credit. In the past, I was able to use a PIN number that Equifax provided to temporarily lift my freeze. Since Equifax rolled out my.equifax.com, I  am now unable to use any electronic means to change my security freeze status. All attempts to contact Equifax through various communication channels, chat/phone, have been unsuccessful. Not only have these attempts been unsuccessful, the customer service agents have not been able to provide any escalation path to addressing my issue. 

I am at a point where I can either leave my security freeze in-place and use the other two bureaus to unfreeze my credit or mail my request for a temporary lift to Equifax as the need arises. I would prefer to keep my security freeze in-place as my SSN and PII was subject to the recent data breach with Equifax. 

I am looking to connect with someone who can help address any issues with my account so I can begin using digital means of managing my security freeze.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I can not get Equifax to lift my credit freeze or respond to my complaints. Last XX/XX/XXXX, I  requested that Equifax permanently lift the freeze because I was never able to use their website or the PIN they gave me to manage my credit freezes. Every time I called, I was answered by a call center employee who either told me to fax or mail my request ( both of which I have done multiple times ) or to " rest assured '' they would fix the matter soon. I never got a response. I am now applying for a mortgage and can not get pre-approval for a loan because my bank can not pull my Equifax credit score because the freeze is still in place. I have called Equifax multiple times, faxed my request, mailed my request, chatted with agents online, and asked to speak to a someone with the ability to help me. There is never a response beyond being told I should rest assured they will email me or advise me in 5-7 days when my fax/mail is processed. It never occurs - I never hear back from them. Their telephone verification system does not work and the people in the call center can't do anything. I've spoken with 10 different agents today.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliance Collection Agencies, Inc. (MN)

1. They kept calling, leaving messages without identifying who they were and why they were calling. 2 They contacted people outside my home. 3. They threaten to take other actions if I didnt call back. 4. I returned the call and got the name of the company and realized it was a collection agency, Alliance collection Agencies in WI.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I've reached out multiple times to Portfolio Recovery Associates as well as XXXX XXXX XXXX XXXX. to attempt for them to resolve this without involving the CFPB or a regulatory agency and they've not responded by phone, email or mail. 

A garnishment was filed and granted on XX/XX/XXXX for the full debt balance owed on the debt for an old XXXX card that charged off. On XX/XX/XXXX, the balance of {$2400.00} was garnished and fully paid off to XXXX XXXX XXXX XXXX. on behalf of Portfolio Recovery Associates. My HR department advised that on XX/XX/XXXX, a follow up hearing in XXXX XXXX occurred with the recovery firm, XXXX XXXX XXXX XXXX. that was supposed to close this case out and essentially update the reporting. Per the 'Last Updated ' field on the tradeline with all XXXX CRAs it shows I still owe the outstanding balance and that it's still late, both of which are false and untrue statements. This is in direct violation of the Fair Credit Reporting Act Adherence.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (IA)

A number called me XXXX telling me I owed XXXX {$500.00} some and they were a debt collection agency. I proceeded to tell her thats false I owe them no money and she began arguing with me, asking am I just going to not pay something I owe. I called XXXX and theyve never heard of this and confirmed I dont owe them money. I also checked my credit report and its clear.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy for credit card debt relief which was discharged in XX/XX/XXXX. At the time of filing I had a Visa credit card, first mortgage and second mortgage with Bank of America. I qualified to keep my home and continue paying off the mortgage, so the only account listed on the bankruptcy was the Visa. Shortly after the discharge, my second mortgage was sold and BOA no longer services that loan. However, I regularly check my credit report and saw that BOA was no longer reporting payment made toward my first mortgage to the credit bureaus, and my credit report shows both accounts as closed. I filed a dispute with XXXX XXXX about the first mortgage, but I was unsuccessful. I then contacted BOA by phone and was told I would need to submit a dispute in writing which I did some time in XX/XX/XXXX. I just received a notice from BOA dated XX/XX/XXXX. It states : " We received your inquiry to adjust information previously reported to the consumer reporting agency for the above referenced account. We've completed our investigation and have confirmed : This account is being reported as a discharged bankruptcy ''. This information is 100 % wrong, it was NOT listed on the bankruptcy and I have never missed a payment toward this mortgage OR my second mortgage. At this point I feel helpless, all I want is for them to report the payments I've been making so I can rebuild my credit. Why is this so difficult?
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

My husband lost his job on XX/XX/2019, which resulted in approximately {$7000.00} in net income. 
We submitted a loss mitigation application to SPS in XX/XX/2019. Each time I reached out to SPS regarding the status of my application, I was told that additional information was needed. Quite often the information I was told was needed had previously been submitted or questions regarding an item on a document was verbally explained to an SPS representative. I had to explain, on more than one occasion, the relationship between an XXXX XXXX driver ( which I do on a very part time basis ) and the company ; and that I am an independent contractor and as such choose to drive when I want, so my income varies. SPS requested P & Ls, which I timely submitted. 
Additionally, on two occasions I have had to clarify my husband 's re-hire date of XX/XX/2019 ( this was also explained in the hardship letter submitted in XXXX ). 
The documents we submitted then became stale dated, so updated paystubs, bank statements etc had to be resubmitted. 
We received a letter dated XX/XX/2019 stating that SPS had received " ... your complete Assistance Review Application including all required information and documentation necessary to evaluate your account for loss mitigation assistance on XX/XX/2019. '' The letter further states that a decision shall be rendered within 30 days. 
However, when I followed up with a phone call to SPS on XX/XX/2019, XXXX XXXX, told me that additional information was needed : an updated bank statement. The bank statement was submitted the next day. 
Today, XX/XX/2019, I contacted SPS and spoke to XXXX XXXX regarding the status of our loss mit review. Mr. XXXX told me that additional documentation was needed and that my husband 's pay stub had been rejected and clarification was needed regarding my husband 's rehire date on XX/XX/2019. I was also told that the P & L that was submitted had also been rejected. Once again, on two prior occasions I clarified his rehire date along with addressing it in our hardship letter and previously submitted ( over 1 month ago ) the P & Ls. 
Based on SPS ' letter dated XX/XX/2019 they have received a complete package and should not be requesting additional information at this time!
Consumer complaint received 2019-10-02
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I have two WELLS FARGO store accounts and they are incorrectly reporting that I have disputed the accounts which I HAVE NOT. The credit bureaus are telling me that every time they remove the incorrect remark from my credit report that Wells Fargo reports it again each month when they report my payments. This is absurd and this needs to stop. Wells Fargo has been found guilty of creating fake accounts, they have been found guilty of costing people a mortgage and now they are making false, unverifiable statements on my credit reports each month. I am attaching a copy of the credit report remarks as proof as well as a scanned copy of the two account cards that are verification of the accounts in question. I simply want the remarks to be removed from my account permanently and for them to not put them back on my account when they report each month. 

If they do not want to honor my request then I will have the State Attorney General to step in and investigate and I will have no choice but to sue them. This is disgraceful that they would do this to me each month and I want it to stop. 

I am paying you guys each month, you have closed the accounts so why are you trying to harm me. I am trying to get a mortgage and can not do so as long as you are putting these negative remarks on my credit report. 

1. XXXX acct XXXX ( See attachment ) XXXX 2. XXXX XXXX XXXX ( see attachment ) XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (CA)

I sent NELNET XXXXffidavit of Truth and a Invoice. 
They are in violation of : 15 Us Code 1692j. ( a ) 15 US Code 1692g. ( b ) 15 US Code 1692e. ( 1 ) ( 9 ) ( 10 ) I have invoiced {$5000.00} for these violations to NELNET
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED INQUIRIES DOES NOT BELONG TO ME, PLEASE INVESTIGATE AND HAVE THOSE UNAUTHORIZED INQUIRIES OFF MY REPORT.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I have called XXXX to remove fraud from my account and they transfer me over and over again and the fraud department tells me that my information is not good enough. They tell me that even though the dates are wrong on the lease and there are made up numbers on the alleged formal debt letter that I still have to pay the {$8500.00} the debt collection company has now tried to collect from me. I have tried to report the creditor and this company said because they don't answer there is nothing that can be done
Consumer complaint received 2024-03-27
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Indie Technology DBA Found (MS)

My income tax refund was deposited into my Found business checking account, I was hospitalized and during this time my phone along with other personal items were stolen! I attempted to dispute the first XXXX transactions that I saw once I regained access to my Found account but I never heard anything back from the disputes department! Once I was released from the hospital I check my account again only to have {$1.00} remaining. I then began to send multiple emails to the Found disputes department as this is the only way to contact anyone with this company. My account was compromised and I begged this company to assist me and they absolutely refused. The funds stolen were my tax return from the government and I did not authorize any of those transactions, I am demanding Found reimburse the funds that were in my account & once I receive them I would no longer like to use their app for anything. If they are FDIC insured they are entitled to reimburse me my money and ensure that it is always secured! I am only asking for my tax return funds back nothing extra. Thanks
Consumer complaint received 2019-10-15
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: ID Analytics, Inc. (TX)

SageStream , LLC purports to be a legitimate consumer reporting agency, and they are in fact listed on the CFPB web site as such. However, the instructions to contact this company ( for any matter, not just for a copy of a credit report ) are misrepresented at best. When calling the company 's main number, one is taken through a litany of options which all result in recorded instructions to send your confidential and sensitive personal information to them using unverifiable addresses and fax numbers. The only other option is to " hold '' to speak to a live person, but that option only leads to an automatic " we're sorry but everyone is busy '' message with instructions to leave your name and number at the beep for a " call back within 24 hours ''. In this day and age of Americans receiving numerous daily calls from scammers from everywhere on the planet, how is anyone to know if the " call back '' you get from SageStream , LLC isn't someone posing as an identity thief? If this company were legitimate, they wouldn't structure their consumer interface activities in such a clandestine manner. I have tried in earnest to make contact with someone at SageStream ( without leaving my sensitive information " at the beep '' ), and I have no way of knowing that I'm not voluntarily giving away everything that I've worked for my whole life.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

I believe that Comenity Bank intentionally deceived its customers including myself in regards to promotional financing offered through its account. I can explain it in two steps. 

# 1 The first being paperless statements. We all want to do what's right for the environment so when the option to enroll is available I click yes. So I did. Problem is they list the promotional finance summary on PAGE 3 of the statement. This is not available or shown AT ALL on their companies WEB INTERFACE. It doesn't exist. 

# 2 Is the web payment options. There is none. It is the only credit card I have that didn't have the option of enrolling in RECURRING PAYMENTS. After all, If I sign up the promotional financing instead of the reduced price on the item purchased, I'm obviously planning it out to pay all of the financed amount off in a 12 month or less period. Comenity didn't have a recurring payment option until recently. I believe this was intentional on their part and the retailers. The customer chooses to pay the higher sticker price to get the reduced financing charges. The finance company then makes it impossible to set up recurring payments and in turn its a double dip. 

The reason for this email is I was dealing with a parent in hospice from XX/XX/XXXX -  XX/XX/XXXX and I did not know that my promotional period was ending. So when I made a payment it was too late and I got whacked for {$770.00} worth of finance charges. When I asked them to remove this and explain my situation in a calm manner they said NO. This is a disgusting business practice and Im sure it has happened many times over. 

Thank you, XXXX XXXX
Consumer complaint received 2019-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (TX)

I am going to complaint about Remitly.com, is a worldwide online money transfer.Remitly, Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, WA, XXXX ( XXXX ) XXXX www.remitly.com Unfortunately, this is first time I sent money online thru Remitly.com on XX/XX/2019 worth {$290.00} and it supposed to be delivered by XX/XX/2019 in XXXX, XXXX. But not deposited yet after 18 days going on. They charged from me more for Express Delivery.I talked with their customer service several times starting from XXXX XXXXXXXX 3 times,  chatted 2 times and emailed 1 time. From the very beginningthey are keep saying that they are investigating and still they didn't give me any positive response.It should be mentioned that by this time I sent them XXXX XXXX Bank Statement which shows that XXXX  didn't receive any amount yet.When last time on XX/XX/XXXX, I asked them to return my money back immediately otherwise I am going to complaint to the proper authority, they reply and asking for another 3 to 4 days.I am disappointed and requesting you to take the necessary steps asap to get my money back.
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I obtained prepaid reloadable American express card in XXXX. Card XXXX XXXX XXXX. In XX/XX/XXXX they approved unauthorized car rental charge of {$2900.00}, while rental was paid in advance, car was on their location and they also took a deposit on a rental. Besides, rental company never returned 2 large moving boxes with documents and over XXXX worth of items. 
When I called American express they couldn't explain why they allowed charge.
Consumer complaint received 2019-10-14
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: CITIBANK, N.A. (OH)

I recently pulled my XXXX credit report and reached out to CBNA in regards to an I wiry that is showing on my credit report. This inquiry is dated XX/XX/2018. This company wasnt able to find any information and wouldnt send me a deletion request to the credit bureau to have it removed. I have not applied for credit at all. I am single mom and staying away from credit.
Consumer complaint received 2022-10-06
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. (VA)

My name is XXXX 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 reports no consent is fraud.
Consumer complaint received 2023-08-16
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: Self Financial Inc. (IN)

Self states that under the Fcra they are not considered a consumer reporting agency but a data furnished. How is that when they provided a loan? They also stated that the data sharing policy can be viewed on their website but their is no mention of anything being mailed or signed stating that I agreed to any reporting. I have not received any documentation of the reporting and per my last complaint, I clearly asking to opt out of all services with them include any data sharing or consumer reporting as that is my right per all USC laws written in my complaint below. The FCRA does not trump the CFR and USC laws backed by our presidents. This account is to be removed immediately before legal action is pursued.