davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company haved call numeros of time before XXXX XXXX  and after XXXX XXXX. They have said they were going to take me to court and sue me for everything I have. I told them my information was stolen and they said it is not their problem. I'm hearing my credit for getting a home for my family. These companies are the ones I called and stated are not my accounts. PORTFOLIO RECOV ASSOC XXXX and XXXX XXXX.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Immediate Deletion Of All Accounts Fraud Alert Fraudulent Bank Account Inquires Placed On All Reports Any False Information With My Identity To Be Deleted If Not Proved Within 30days All Letters & Mail Has Been Certified & My Attorney Is Aware
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am attaching a copy of my most recent correspondence to a credit line provider, XXXX, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to XXXX to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being XXXX in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.
Consumer complaint received 2021-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I payed credit acceptance in a settlement the full amount of XXXX they have not yet removed the auto debt of over XXXX dollars off my credit reportthey gave it to a law firm for collections account number XXXX confirmation XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

ON OR ABOUT XXXX XXXX XXXX MY PHONE WAS SIMM SWAPPED LEADING TO MY ACCOUNT AT COINBASE BEING COMPROMISED. COINBASE LOCKED MY ACCOUNT. I FILLED THE REQUIRED FORM OUT AND RECEIVED CASE NUMBER XXXX, AND NEVER HAVE HEARD A WORD BACK, KIND OF SCARY WHEN YOU HAVE FUNDS ( $ XXXX ) SITTING THERE AND ARE UNABLE TO ACCESS IT.
Consumer complaint received 2020-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried numerous times contacting Experian via phone and online to dispute accurate info and haven't reached a live agent. Experian online disputes directs me to call Experian 's number. I'm unable to view or submit any info online to XXXX  regarding disputes. The reps at XXXX are automatically closing disputes in less than 24 hrs without properly investigating. I have received automated emails from XXXX  closing dispute a few hours after holding on the phone more than 30 mins each time to report to a live rep. 

I do not owe debt of {$360.00} to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I have contacted the property management company XXXX XXXX whom reported the incorrect debt for XXXX XXXX XXXX with no reply in the last 2 years for any issues. I received a call from XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX XXXX XXXX  regarding the incorrect debt. I explained why the debt is not owed and other unresolved issues in which XXXX XXXX owes me payment. XXXX stated she would call me the following week with an update. I didn't receive an update and haven't reached her. I have spoken to XXXX XXXX XXXX XXXX mailed off documentation XX/XX/XXXX to XXXX XXXX XXXX showing proof of my payments to XXXX XXXX XXXX and my attempts to reach Avant regarding reimbursement they owe me and I never owed a debt to the complex. 


Experian and XXXX  have failed to validate any proof before adding this erroneous debt {$360.00} to my credit report affecting my score. I have been unable to reach Experian by phone or online to dispute this inaccurate info. XXXX  didn't properly verify the false typed debt from XXXX with no substantiating proof b/c the debt attempt is retaliation from Avant property management. I have mailed proof that I paid and didn't owe to XXXX XXXX XXXX and have called XXXX XXXX XXXX as well. I received a call from XXXX XXXX with XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX XXXX am after numerous unreturned calls and emails from XXXX XXXX corporate office. XXXX stated she would look into it and contact me the following week. I have not received any updates from XXXX XXXX. I made XXXX aware of the inaccurate debt of {$360.00}, the reason the debt was reported in retaliation, and the initial issue in which XXXX XXXX never resolved since XXXX.
Consumer complaint received 2021-10-13
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. (AL)

This debt is a result of Identity theft and this needs to be removed immediately. The debt for XXXX  XXXX  has been previously disputed, removed and then was sold to a collection company and put on my credit report again after being previously removed. I checked my report and they are being reported as deragatory. This is keeping me from buying a home and my job of choice.
Consumer complaint received 2020-12-03
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. (FL)

HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR IT.
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (CO)

Interfirst Mortgage Company failed to credit my account ( loan number XXXX XXXX with my XX/XX/XXXX payment. I have contacted Interfirst and XXXX on more than 9 occasions between XXXX. I requested the matter be raised as a formal complaint on XX/XX/XXXX by XXXX at XXXX local time. 

As of today, XX/XX/XXXX my account still does not accurately reflect all 5 payments made on my mortgage ( XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XXXX I spoke with a representative who said she recognized my name from recently having journaled my first payment ( sent to Interfirst ) from Interfirst to XXXX. I subsequently received a statement dated XX/XX/XXXX showing a payment of {$2700.00} credited on XX/XX/XXXX. However, I then received a statement dated XXXX reflecting a reversal dated on XXXX. Despite calling 6 more times since that date the problem has still not been corrected.
Consumer complaint received 2022-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My government bankrupted me, and I'm now XXXX. I am currently doing contract work to stay afloat. Yesterday, I paid my final payment on my final debt on my credit report. I don't wait for a bank or agency to report anything. I contact the credit reporting agency and submit a dispute advising it has been paid/settled in full with details of what exactly the deal was with that creditor/collector. I called transunion to report and submit a dispute to advised another account debt has been settled in full. The agency told me I already had several disputes pending and I could not submit another until XX/XX/2022. 

I didn't put myself in this situation. My government did. I've done everything I was supposed to do over the pandemic and continue to seek employment while I do XXXX XXXX and XXXX XXXX XXXX XXXX. 

I just want to submit my dispute for settled in full and move on! This constant having to fix a situation that I did not put, myself in is XXXX. Not one place designed to help did, and I am once again having to take matters in my own hands because my government has destroyed my entire lifes work, my credit, and did not think ahead at all about the consequences of their actions and decisions. And I'm paying for it while they still have a home to go to.
Consumer complaint received 2020-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MS)

Midland Credit Mgmt ( My XXXX app labels it asa SCAM ) continues to call my number up to 12 times daily seven days a week using multiple numbers. I do not have a collection with this company! No messages ever left ... just silence.
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I did not know that a major well known credit card company would not offer an account to card member on an account. They charged on my account so much that I had to cancel it, I think that they misunderstood that the primary card holder gave them an opportunity, but is not to be held accountable for their expenses they charged, I no longer have any contact with this person, that abused my credit and kindness for weakness. I have received scams calls from American Express from the XXXX area code when I did have this company credit card payments were to be sent to XXXX XXXX, but the customer services was in XXXX XXXX, Tx I dont know where American Express is located today but I do know that is not in XXXX XXXX.
Consumer complaint received 2020-12-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

Im writing to you to see if your agency would be able to review First National Banks practices and correct all the related charges created and caused by First National Banks personnel. Over the past several months, Ive repeatedly tried to get various individuals within First National Bank to correct and make good on the issues relating to a five year loan which I had taken with this bank. This five year loan recently approached its maturity date which I was initially told I could renew. Just shortly of the maturity date, First National Bank informed me that they would not renew this type of loan. Due to all the delays from the local branch managers, false promises, run-arounds and customer service failures, I was informed that I now owe a late penalty fee of nearly {$13000.00} or First National Bank would take legal action against me. I wanted to make one more attempt to explain the circumstances and issues created by the branch managers to resolve this issue by writing to the president of First National Bank. 

Due to the notice of legal action, I proceeded and made arrangements to pay off this loan together with the wrongful late charges along with other increased interest charges. I only did this since it was clearly futile to continue dealing with the various First National Bank personnel. 

Meanwhile, Ive recently learned that it appears that these branch managers ( both XXXX XXXX and XXXX XXXX XXXX have not reported the full truths and promises made by them to their upper management which has resulted with this bank standing firm by charging me nearly {$13000.00} for an additional late fee together with other charges regarding the payoff of this loan.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

Amazon 's store credit card ran by synchronycredit automatically applies a 'credit security ' on your card every month which is a % of your amount on the credit card for the month EVEN IF FULL PAID EVERY MONTH. This was turned on via hidden terms I'd assume since I never received email or letters on this. They do not alllow you to use live chat to cancel this and it is difficult to talk to an actual human. It is extremely shady and disrespectful to their customers.
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I was notified by Midland credit XXXX about paying my debt or get sued. I received a subpoena for court and the account was completely paid in full and closed on XX/XX/XXXX. Midland credit management updated the credit bureaus that I owed $ XXXX and that the account was not paid in full, they have yet to report this to the credit bureau either. Also, XXXX XXXX  sold the debt and were paid for it yet they would not remove this debt from my report either. My concerns are that after disputing this account of Midland credit management my credit score dropped over 50 points, and All I was disputing was the fact that they had not shown the account was paid in full to the credit bureaus. As of now I have two negatives on my report from midland credit saying I owe $ XXXX and one saying I owe $ XXXX, my one account with them has been paid in full and closed.
Consumer complaint received 2021-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Remove six late payments from my credit report for student loan 1 message XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX  XXXX To XXXX  To Experian To XXXX  XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Student loan for XXXX XXXX Acc # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX
Consumer complaint received 2021-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Remove six late payments from my credit report for student loan 1 message XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX  XXXX To Equifax To XXXX  To XXXX  XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Student loan for XXXX XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

On XX/XX/2022 I sent the first letter to Calvary Portfolio Services asking to validate the debt which I never received a response. Then on XX/XX/2022 I sent another letter asking for additional information which was ignored. Later on XX/XX/2022 I sent an additional correspondence informing them I would submit a dispute with the CFPB. This account has prevented me from using my credit in times of need. Adding stress to my life. This i=has taken longer then needed to be resolved.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

They call multiple times a day everyday on a {$210.00} on a {$700.00} limit. I haven't made a payment in two months but plan to pay it off at the end of the month when I can. And I have used it since. They gave collections calling me when this is not in collections. I'm tired of being harassed for {$210.00}.
Consumer complaint received 2020-12-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

There is an account reporting on my credit file that came from a place called XXXX XXXX. The collection company keeps reporting it with a new open date and reaging the account This National Credit Adjutsment place. That is illeagal
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX  # XXXX is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX  and this is not my account. I need this removed off my credit report.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

This company is continuing to report a 30 day late when in fact it was an accident and total loss and they were paid out. After the accident when I report the accident to the company I asked what I have to do going fwd and the lady on the phone said that if the accident was reported to my insurance and I said yes. She then said the insurance company would handle the rest of it from their end. When I asked about how the payout works she said that as long as the gap insurance covered the balance then should be nothing else owed but if not I could owe. I then told her that XXXX already said they were covering the full cost. She then said that I should be fine and then I did not have contact with them until later when I seen a 30 day late. So for years I have been trying to get them to remove the late. They have record of when the accident was. They have the full payout so there was nothing else I could have provided. To have this remain on my credit and hurt my credit serves them no purpose. Their company gets nothing out of it but I have been continued to have this as a mark against me. There was nothing for me to hide or not pay them for outside of the fact it was a total loss and they were getting the payout from the insurance company.