davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APPLE RECOVERY, LLC (UT)

I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to XXXX. XXXX was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service (ID)

I lived in an old duplex that I moved out of. I moved out and did not request for my deposit back because I did not want to go through litigation and had a lot other major life changes going on in my life. Almost 9 months later I check my credit and see that a collection agency has reported that I owe {$3900.00} in connection with that previous landlord. I did not get notification that this was in process. I always paid my rent and if things got broken and I took fault for it I would pay this landlord for the repair or replacement as needed. I just wanted things to run smoothly between us. This is majorly affecting me financially in a very negative way. I did not know this process was even initiated until I checked my credit and it was already on my credit report.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was shocked When reviewing my credit report and found a Macy 's Account with a late payment in the month of XX/XX/2018, I am unsure of how this happened, I believe I made my payments as soon as I received the bill. My thought is that I never received. a bill.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XX/XX/19 I faxed my request to close my escrow account. I currently qualify for property tax exemption and on this day I sent them the documents from the County of XXXX XXXX- Office of the Assessor, proof that my property is now tax exempt and will continue to be exempt as long as I file every year for it. However, since then they were not able to close the escrow because I was a payment behind, which I have made that payment since then. I was told that after the payment was made they would close out my escrow payment. I later received a letter in the mail that my escrow closure request was not approved, that I did not qualify. I called into customer service at Select Portfolio Services and was told that my paperwork needed to be  reviewed by another department. I later received another letter that my request to close my escrow account was denied. For the XXXX payment I made my payment, minus the escrow. 
I am simply trying to get them to process the request to close the collection of fees for my property taxes. I was told by a County of XXXX office assessor that if someone from SPS called them XXXX that they could also verify my status as exempt for my property taxes.
Consumer complaint received 2019-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

Two weeks ago I spoke with a collections representative from Ally financial in regards to a partial payment that came back returned. I advised that the payment was denied by my mother 's bank for suspicious activity. I was then told that as long as the partial payment of {$190.00} was paid my XX/XX/19 then the account would be in good standings. I advised that I would make my payment online on that day. Last week, I received another call from the collections department in regards to my loan. I repeated the same information to this representative that I stated to the last. Making them aware that I will keep my promise to pay by Monday XX/XX/2019. Again stating that the payment would be made online. Today I attempted to go online to make my payment only to find that my account information is no longer available and I am unable to make my payment as I had previously promised. I called in and spoke with 5 different representatives. The first two representatives hung up on me because they became frustrated and was unable to answer my questions. The 3rd representative transferred my over the online team which then transferred me back to customer service where I spoke to a 4th representative. Which then attempted to assist me and then the line was disconnected again. I called back and requested for a supervisor. I was then connected to a front line manager named XXXX ID # XXXX. I was told that I do not have access to the online and can't make payment for 6 months due the reverse payment. I attempted to make a payment via a 3rd party vendors which is a payment options that is available to me to make payment with a lower fee, however this option via XXXX and also via XXXX XXXX. Both are considered to be an acceptable payment option for this company. However, I have been blocked from making payment via the 3rd party vendors by Ally financial which they have on their website as payment options that can be done online or over the phone. The only option that I was given was the more expensive option of XXXX. XXXX and XXXX XXXX offer a fee of less than {$5.00} to submit a payment to Ally financial online. XXXX charges {$20.00} processing fee to send funds to Ally Auto. So currently I have not access to view my account details, statements, previous payments, nor do I have access to view my account in order to make the payment and ensure that it's applied to the correct account. I was told my XXXX that my account will be escalated and someone will get back with me in 24 hours. My account will be reported to the credit bureau tomorrow, which will cause a negative score on my credit as Ally Auto will report my account being passed due for 30 days due to this partial payment. This is unacceptable!
Consumer complaint received 2019-06-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (OK)

I will try not to be too winded. I did some Parent Plus Student Loans for my son that went to XXXX XXXX in XXXX  XXXX. I approved 1 that I know of. Then they would let him change my password and re-submit loan applications every year in my name. Please help!
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

There was a XXXX XXXX card opened some years ago. I called XXXX XXXX directly about the alleged amount of {$420.00} which Portfolio recovery is reporting. XXXX XXXX stated that it is four three or four body sprays. If we do the math, their body sprays are always ( around ) 3 for {$25.00}! There is no way that it should be legal for a company to charge any one Almost {$400.00} in interest and fees! I have requested for the original contract, information on how this account was opened, and an itemized list of the fees associated to be mailed to me. This letter was sent via certified mail. I have the receipt and copy of the letter sent. I received a reply with none of the requested information that would legally validate the account and also break down these outrageous fees. Per my rights I am requesting that this account is deleted since the creditor has failed to validate as requested, and also due to the fact that it is also illegal to accrue so much interest for just {$25.00} ( give or take a little ). Account # XXXX XXXX XXXX.
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R.M. Galicia, Inc. (CA)

I had applied for Financial Hardship for my ER visit at XXXX XXXX in XXXX XXXX in XX/XX/XXXX. 

I then received a mailed bill on XX/XX/XXXX with a total amount due of {$16.00}, which I paid. 

I had been asked to resubmit my tax returns in XX/XX/XXXX which I did. I emailed them to one XXXX XXXX at XXXX. 

I had called the XXXX offices and spoken to XXXX XXXX in XX/XX/XXXX and was told that my debt was settled. I had received no mail from XXXX XXXX or any debt collectors regarding this debt until I received a call from Progressive Management Systems on XX/XX/XXXX, saying that I owed this debt having paid only {$50.00} of it in XXXX, which makes absolutely no sense. 

I had just settled another debt with Progressive less than a month prior for XXXX Hospital. I had never been given documentation that they held this XXXX XXXX debt or that it had even gone to collections. While I had been going through the debt collection of XXXX NO ONE had made mention that I owed another debt. It was only after they took my money that this debt magically appeared.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2024 I got an email saying that XXXX $ was sent to me and I needed to refund it by paying a recipient {$27.00}. I followed through called Paypal, and they told me to file a report. XXXX is the tracking ID. I realized this was a scam, please help.
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These account are not mines. I have disputed them over and over and have sent over FTC report to the credit bureau and notify them to remove this inquiry. Please follow the FCRa rules that states any improper information on my credit should be removed within XXXX  days immediately I am stating that it is not mind and I am also using legal law to show that it is not mines so please follow this law and remove these inquiries below. I will state each inquiry that needs to be removed. 





( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking  system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


XXXX LEASE ONLY NOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LEASE ONLY XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

I initiated communication with XXXX  XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Disputes initiated XX/XX/2019 USPS Certified Mail Credit bureaus continue to report verified and meets FCRA requirements ( not correct ) Response from Collection Agency insufficient to validate XX/XX/2019 did not produce valid documentation. 
2nd Validation request sent XX/XX/2019 USPS Certified Mail Continued incorrect reporting to credit bureaus Violates Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), Fair Credit Reporting Act, Defamation of Character
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I am writing to dispute the status of an account being reported by Experian that states I have a recent Delinquent/Charge Off account in the amount of {$130.00} first reported XXXX of XXXX. This is inaccurate and is tremendously damaging my credit profile as I am in the process of starting a new business and leveraging my personal credit to secure business funding. 

Actions Taken : I have contacted XXXX XXXX via phone, in-office meetings, and have spoken with multiple staff members from management all the way back to the collections department multiple times in hopes to get this matter resolved on my own. I have also provided them with a copy of my dispute letter with the credit bureaus. This inaccurate reporting has cost me months of frustration and countless monthly credit report monitoring fees as I continuously check everyday to see if it gets resolved. My credit profile & credit score has suffered tremendously throughout this long process. 

Additional Actions Taken : I have also contacted Experian Credit Bureau directly and they have not resolved this issue either. They actually claim that this inaccurate information was verified by The XXXX XXXX. Experian has not provided me with any documents that support their conclusion. They have appeared to change or re-age the " first date '' this account was originally reported in XXXX to a new " first date reported '' now stating XX/XX/XXXX. 

The XXXX XXXX verbally informed me that they have not reported any new delinquent account information to the Credit Bureaus dating XXXX of XXXX and they advised me that my only option is to dispute with the credit bureaus directly in order to get this matter resolved. They also expressed to me that there is no other documentation that they can provide me with in regards to helping me resolve this matter with the credit bureaus myself. Ive been a long standing member with XXXX XXXX and theyve seen my repeated efforts to try and resolve this matter without getting any 3rd party involved. They have not provided me with any additional documentation that supports my efforts to get this inaccurate information removed.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Hi, After I filed a complaint with the Consumer Finance Protection Bureau about the practices Truist was engaging in -- after dragging out a refinance application for six months, they gave me two days to give them my 2020 corporate tax returns -- the bank denied my application. It seems likely that it was in retaliation for filing the complaint.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!!

Account Name : XXXX   Account Number : XXXX According to the FCRA
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights In accordance with the Fair Credit Reporting Act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Credit acceptance has furnished the following account Opened XXXX XXXX in the alleged amount of {$28000.00} I am requesting help on the further enforcement to The company credit acceptance for violating my rights and another known violations that are in accordance with IRS SEC and the OCC i ask you today to help end this matter that has had a negative effect and distress on my life as i will be reaching out to the other federal governing authorities to correct this matter
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My mortgage service company, Select Portfolio Servicing ( SPSservicing.com ) is refusing to reverse my " 30 days late '' report to credit agencies in XX/XX/2021. I was ill with XXXX in XX/XX/2021 and not able to make the month 's payment until XX/XX/2021. I have been charged late fees and reported 30 days late due to my illness which has affected my credit score by -100 points. 

I would appreciate your help in reaching out to the company. Please advise at your earliest convenience. 
Thank you. 

Monthly Mortgage Amount : {$3900.00} / late charge of {$130.00}
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

You closed complaint # XXXX in error and I do not think you understand the issue. XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT posted my credit. Sure they will list the return under transactions, BUT it does NOT decrease your balance. See email below from XXXX XXXX  advising I have an pending, unposted credit transaction for {$100.00}. To this date, XX/XX/18, it has posted to my account! 

From : XXXX XXXXSent : Saturday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

Our records indicate that the credit limit on your XXXX XXXX account is {$1000.00}. Since there is an unposted credit transaction of {$100.00}, your available credit limit is {$470.00}. Also, the current balance on your account is {$630.00} We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

My credit card number was stolen, and more than {$20000.00} of fraudulent charges have been made to the account. My address, email, and phone number have been changed to the wrong one over and over, every time I correct it, it gets changed from my XXXX correct address to a XXXX  incorrect address. 

I have spoken with fraud specialists at XXXX XXXX XXXX. At least 10 of them. Fraud charges are filed. I closed my account the beginning of XXXX. Called today, and it was open. ( XXXX, XXXX, DE ) Added verbal password, but it was only asked for maybe 4 out of 10 times. 
Spoke with XXXX, XXXX, XXXX At my local branch : XXXX, XXXX XXXX I reported to Experian that they have an incorrect address. They checked with XXXX XXXX XXXX, who told them that I do have a XXXX  address. I do not. 

The thief would contact XXXX XXXX XXXX when I cancelled a card to have the new card expedited to their address. They issued me 4 cards in 10 days. When they were ready to issue the fifth, I decided to close my account and bank with another company.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (LA)

My Identity was stolen and someone opened several accounts in my name with Synchrony Bank, Upon an extensive investigation it was found that these accounts were opened fraudulently and I was liable as noted in the attached letter I recieved from Synchrony Bank, To date the credit bureaus have not been notified or recieved any correspondence from Synchrony Bank to remove this account ( XXXX ending in XXXX ) as stated they would as noted in the attached letter, This account continues to negatively impact my credit file.