davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

I paid our mortgage on Freedom Mortgages website on XX/XX/. The website failed to load the first time and I had to log in again, but only paid and hit submit once. I checked my email to make sure the payment went through and got one confirmation notice email that it had been paid. Today on XXXX I tried to use my debit card and it would not work. I checked online and found my account severely overdrawn. I saw that our mortgage had been taken out twice - once on XX/XX/ and again on XXXX. I called the mortgage company to ask that they correct the mistake and refund the second amount. I was told I would have to fill out paperwork, send a copy of proof from the bank that it was taken out twice ( even though it showed that it had in their system and when I logged into my mortgage account ), and then it would take 7-10 days for me to receive a refund check. I asked about the complaint process and was told that would take even longer - I could submit it online and they would reply within two weeks. In the meantime, my bank account would continue to collect overdraft fees and we would have no funds available for gas, food, or other necessities. The representative asked if I would like to set my payment up on automatic withdraw. Obviously I declined. I will instead mail a check in monthly so that they have no further opportunities to double charge us.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (VA)

I keep getting e-mails from Experian wanting me to sign up for 30 days free credit monitoring due to XXXX XXXX XXXX. After 30 Days they want you to pay $ XXXX/month. 

They indicate that they will do a one time Dark WEB scan and report if there are issues involving my information. What do you think the results will be, if they scare even a small percentage of 150 million people into buying their service they will make millions because another credit rating agency XXXX XXXX. 

It seems to me they are taking advantage of a bad situation and scaring people into buying their service, this does not seem right to me?
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MA)

I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I sent my 3 verification letters on XX/XX/XXXX  here are my tracking number for all 3 credit bureaus : # 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (IL)

I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AL)

I received unauthorized charges on my credit card account and reported it to the credit card company in XX/XX/XXXX. The total amount of charges were over the amount of {$710.00}. The account was closed and placed under a 90 day investigation. After the 90 day investigation ended, the credit card company did not resolve the charges in my behalf and proceeded to charge back the unauthorized charges to my credit card account. I've contacted the credit card company to appeal the charges on several occasions. Furthermore, I've contacted this credit card company on XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. However, I was continuously treated with hostility in regards to resolving the unauthorized charges including mailed and faxed affidavit forms from this credit card company.
Consumer complaint received 2019-02-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates, LLC is reluctant in providing me the following information as requested under the FCRA and FDCPA.

I request under the FCRA & FDCPA ( thru this CFPB Portal ONLY ) that this company and affiliates furnish me the following : 1. Proof that they own the debt and verification that I owe the debt.

2. Proof and details outlining the North Carolina Statue of Limitations on expired debt.

3. Documentation of the agreement between the original creditor and current owner authorizing for such a collection on the assumed debt, including documentation of the fees and cost.
Consumer complaint received 2017-11-08
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)

Experian has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.
Consumer complaint received 2017-11-08
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. (IN)

An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of XXXX as of XXXX. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the XXXX XXXX is upward of XXXX states including my XXXX XXXX, debts that do no derive from consumer credit transactions should not be reported to CRA XXXX credit reporting agencies XXXX. TransUnion, XXXX, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider XXXX XXXX of XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was in a natural disaster, forbearance with XXXX  XXXX  due to losing my home in hurricane and XX/XX/XXXX. I checked in every month like I was supposed to, and cooperated fully with the forbearance. In XX/XX/XXXX I did my check in and told I was approved through XX/XX/XXXX for the forbearance. I have a document to prove this. in XXXX, I was called and told it was a mistake that my forbearance was not supposed to go past XX/XX/XXXX. I was told that I could do a loan modification and that my first payment would not be due until XXXX so it would be similar in that. I would not have to pay anything for XXXX or XXXX as if I was still in the forbearance. I signed the loan modification paperwork and XXXX XXXX, then reported to my credit that I was over 180 days past due. My credit score tanked. I tried to resolve this with XXXX XXXX but they state their investor is unwilling to fix my credit report.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate reporting has caused stress an XXXX  the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with covid. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (SC)

I am constantly called by a company called Midland Credit from many different phone numbers every day, despite not owing any debt. I can not block them because every time I block one number, they call me from a different number. They call me during all times of the day, often early in the morning and late at night.
Consumer complaint received 2019-02-19
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. (NC)

I sent a credit report dispute to Equifax on or around XX/XX/2019 requesting them to delete an account that is listed as a collections account because the debt collection agency is not licensed to collect debt in the State of North Carolina, the state in which I am a resident. Equifax completed its investigation and did not delete the account, but instead updated the entry and updated my address. Information on this dispute is as follows : Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Amount Owed Being Reported : {$340.00} I am attaching a copy of my NC driver 's license as proof of residence.
Consumer complaint received 2019-11-06
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: TD BANK US HOLDING COMPANY (MA)

So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax data breach I never recall giving permission to Equifax ( or XXXX, XXXX or XXXX ) to have, hold and steward my personal information. They had a data breach of my personal information and now when I need them the most to place a TIMELY credit freeze on my information, I ca n't get it done online or via phone utilizing THEIR processes. Meanwhile everyday that goes by, I am exposed!! This is unacceptable correct? Additionally, due to THEIR failure I am forced to place a freeze with the other three agencies all of whom want to charge me money to do so. How is that fair to me as a consumer??
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was informed by Wells Fargo Refinance Department that even with a co-signer, they would not refinance my loan. On that call, they told me that I needed to contact the Foreclosure Department for more information about my account. I had begun that process on XX/XX/XXXX because our Wells corporate office contact had offered it as an alternative to foreclosure in a registered letter in XXXX. 
It was on that call on XX/XX/XXXX that I was informed that Wells had initiated their internal process of foreclosure last month, on XX/XX/XXXX while I was in the refinance process. 
Wells Fargo has sent me several XXXX XXXX packages this month, none of them contained a word about the foreclosure process. They did not supply me with information regarding a trustee to contact. Twice they sent me notices that they no longer were paying my property insurance - they have never paid property insurance for me. 
They negotiated in bad faith with me and my co-signer. The foreclosed without written notice. The again have put me, a XXXX woman through a pointless process, wasting my time to prepare my home for a sale in which I can make a profit. My home has over 600K in equity. It is this reason they are trying to foreclose without allowing me time to sell. They are intent on short selling my property out from under me and pocketing the profit. They want my profit and they refuse to work with 3rd party mortgage modification programs because I have equity.
Consumer complaint received 2021-09-25
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. (CA)

This is a response to Experian for their response on XX/XX/2021 for the formal complain submitted to Experian through CFPB Complaint ID XXXX on XX/XX/2021.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NJ)

I received notification that this law firm ( Pressler Felt & Wars Haw LLP ) somehow obtained a judgement against me ; without my consent ( proof of service ). I reached out to the Superior Court of NJ in reference to this judgment # ( XXXX, Case Number : ( XXXX  XXXX XXXX, docketed XXXX, I believe this is way past the ( statute of limitations ). Can this law firm be investigated to make sure they aren't illegally attempting to collecting on debts that past the statute of limitation? This debt is over 10 years old. More importantly I don't ever recall receiving proper notice ( proof of service ) for this so-called debt. Also, I have no idea who XXXX XXXX is. I spoke with an attorney who mentioned perhaps filing a motion to vacate, since there is not proof of service. We want to make sure the law was properly followed in order to obtain this judgement. I know that ( proof of service ) is required with the court. I have also reached out to the court to see if they have my signature on file for proof of service of this ( so called debt.
Consumer complaint received 2019-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Attached please find my FTC Identity Theft Report, a letter received this day threatening me legal action for accounts that are Identity Theft. I also received numerous phone calls daily harassing a XXXX year old woman for accounts not belonging to me. Stop calling and stop sending me threatening letters I am protected under Federal law. 

Also attached is a section I was directed to on the FTC website while speaking to the FTC today ... specifically asked a section called Knowing My Rights. Which says .... 

Stop a debt collector from contacting you. In most cases, debt collectors must stop contacting you after you send them a letter telling them to stop. 

Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Stop harassing me ....
Consumer complaint received 2017-11-08
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. (IN)

ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.
Consumer complaint received 2021-09-17
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: Granite Edvance Corporation (NY)

My credit report shows that I have a {$13000.00} student loan through Granite State Management-Dir that do not belong to me. I have file disputes with XXXX XXXX and XXXX through XXXX XXXX and both agencies responses claim it belongs to me. I have never filed for a student loan in the past and now that I intend to start school and may need a loan, this false loan with Granite State Management-Dir is hindering my advancement.