davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
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: SYNCHRONY FINANCIAL (NC)

On XXXX XXXX Report shows 4 hard inquiries I did not authorize. Attempted to fix with XXXX XXXX XXXX XXXX, and was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX told mw to contact the credit bureaus and then XXXX told me to contact Synchrony, and in circles not solving problem. The 3 inquires are below : ( 1 ) XXXX/belk for XXXX XXXX XXXX   XXXX ; inquiry made XX/XX/XXXX. 

( 2 ) XXXX/walmart for XXXX XXXX XXXX XXXX ; inquiry made XX/XX/XXXX. 

( 3 ) XXXX/walmart for XXXX XXXX XXXX XXXX ; inquiry made XX/XX/XXXX. 

I only have one credit card, with XXXX XXXX XXXX and I applied for it in XX/XX/XXXX.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

XXXX, Equifax and XXXX  are using fraudulent practices and color of law to continue the practice of identity theft when these corporations knows that there is no money the United States Corporation is broke. These credit companies are using unlawful practices to continue manipulating the credit of the XXXX XXXX XXXX, living being who owns the name, XXXX XXXX XXXX. These companies are using unlawful practices!
Consumer complaint received 2020-07-21
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: EQUIFAX, INC. (FL)

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NC)

well i did email discover to make a payment deal they never replied to me..i had a death in the family ( stepmom ) and my dad is ill now and XXXX so he ca n't help with his account ... what happen it i am staying in nc and found a job just so i can clear up some cc 's well i had money to pay my discover bill ( it 's a secured card ) and i went to pay some of it before time ... it is due on the XXXX and the only way to pay is checking or savings ..i explained to them a while ago i had to close them to give money to help my XXXX year old dad so now that i have the money they are telling my the only option is checking or savings ... i did remind them in the past i could n't because my checking account went bad and now XXXX in involved and stopping me from getting a account so i can give the info to discover..they keep saying sorry this is the only way..i used to think highly of discover ... even the smaller cc company 's i have have options to pay the bill ... i am stuck here so i wrote them and said wow i am trying to pay my bill and you have no options..i am toast now and when the XXXX goes by i am even going to have to pay more..so i guess i can just give up and file with yous ... i have no choice it 's only me and my dad and he ai n't going to help i had to clear out all my accounts to help him..discover do n't want to hear this and wo n't accept my money ... i give up ... i do n't know what to do so ... i wrote yous ... owell i will just let all my credit i fought for 2 years from today and from the start ..i never even had or cared about credit so i was iffy in the start and now owell i guess i will just block everything and be in dept for the rest of my life and just use cash ... i want to pay them off and they have my deposit and wo n't budge to help in any way just get me deeper..so i guess i will just keep ignoring it and pay off the others..if i would of known this was only 1 option from a well known cc i would of said no ty ..now that i know ... discover is the worst cc in the world..the smaller cc have better options..what a joke..owell i tried ... see ya ... i give up on all of it it ; s all way to much ...
XXXX
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (GA)

I had  XXXX  in  XX/XX/XXXX . I had medical insurance and I never received a bill from the hospital concerning the  XXXX . Three years later, I received a notice from a debt collection agency stating that I had a balance due from the  XXXX . The balance was {$1100.00}. The debt collection agency has tried numerous times to contact me via phone calls and notices in the mail. On  XX/XX/XXXX , the debt collection company filed a claim against me through  my local county 's  magistrate court.   Last month, I obtained a copy of my credit report and the debt collection agency has placed the debt on my credit report as a collection. I do not owe this debt. I never received a bill for {$1100.00} from the hospital in the years following the  XXXX . The hospital where the  XXXX  took place has filed bankruptcy within the last few years and is under new management. I believe this bankruptcy has forced this new company to try to obtain monies from past patients.
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: World Acceptance Corporation (TX)

I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I disputed this is reporting negatively to my bureaus on multiple occasions. The last time was XX/XX/2017. I have made numerous request for them to provide documentation ( i.e contract or agreement of obligation to pay ) with my signature validating that this debt belongs to me. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. This creditor refuses to validate this debt, and is continuing to negatively report me to the credit bureaus.
Consumer complaint received 2018-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Morning since XX/XX/2018 I have sent disputes every 35 days to fix inaccurate info on my credit files. I am writting regarding an Complaint that I have with Transunion and XXXX. XXXX XXXX is the account name, they say the balance is {$1300.00} I have disputed with both bureaus asking them to please delete as this is not my debt. But it comes back as verfied. I question the validity of this and I suspect they are using XXXX automated verification along with 3rd party means of verification when they should be doing their due dilligence. I suspect they are using XXXX because it is the same generic response everytime either verified or meets FCRA. And they have nothing linking me to the debts. Also account summaries sent is nowhere near proper verification. I have requested account validation and I have had zero reponse. XXXX has stopped responding and said they will no longer investigate. This is a direct violation of my rights and by law they have to investigate but since it has been longer than 30 days that is yet another violation, and I request that They delete. They were unable to provide any signed documentation that tied me to the debt or any " instrument of indebtedness '' and since none of this was provided and per Fair Credit Reporting act I would like my rights protected and for Transunion to delete this account please.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

My home loan has been under a modification program as of XXXX/XXXX/2015 with our previous lender, the loan was then transferred to Green Tree Servicing LLC in XX/XX/XXXX, since then they have failed to honor the terms of the program. I filed a complaint with the CFPB ( Complaint No. XXXX ) and received a response, and disputed the response. The terms of the Modification program state no payment is to be made until XXXX/XXXX/2015, and due to all of the problems ( including letters from an attorney stating escalation of foreclosure ) I was in the process of trying to complete mortgage refinance documentation with another lender when they informed me that Green Tree had filed a negative report on my credit report stating my loan is over 180 days past due. I have had to spend numerous hours, resources, etc. following up with Green Tree to offset foreclosure measures, documentation inconsistencies, etc. I am aware of their unfair and unethical business practices as of the most recent XXXX fine imposed against them for these deceptive business practices and do not wish to continue my business with them, however until they report back to the major credit reporting agencies that the information they have reported against me is incorrect I can not move forward. Please help, continually having to gather information and file complaints is getting cumbersome and I do not have the time to keep making this lender do the right thing.
Consumer complaint received 2018-07-05
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. (VA)

Experian credit report for me showed an account that was not mine. Experian attributed that invalid report to XXXX XXXX XXXX. XXXX XXXX XXXX denies that I had that account, and denies that they provided the information to Experian. One of  them is not telling the truth, and each blames the other. There are public reports that XXXX XXXX caused many false or invalid accounts to be created, but Experian will not give me specific information about which office or branch of XXXX XXXX Experian says submitted this information.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

In XXXX of XXXX Freedom mortgage went into my loan without my knowledge and unprovoked added a note to my file stating disaster relief and then changed my payments that were listed correctly as on time from XX/XX/XXXX through XX/XX/XXXX to no information available and my credit score plummeted. Freedom mortgage then went in unprovoked and removed the disaster note but did not fix there reporting error and re report my XXXX through XX/XX/XXXX back to on time payments so my credit could be corrected and go back up. I have had ( 5 ) phone calls over the past XXXX months with them where each time they escalated the call to management and have confirmed my payments were on time and should be correctly reported as on time and in good standing. Each time I wait several weeks for this to be fixed and it has not been changed then its back to square one with a new representative and new manager who has no clue as to why it happened and i get every excuse in the book. There was NO storm, my payments for those months were ON TIME. My disputes through XXXX XXXX and XXXX said the issue was resolved but freedom still has not reported it correctly.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$25000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Consumer complaint received 2022-09-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (DE)

I.C. Systems Inc is a third party debt collector who has violated multiple of my consumer rights. Pursuant to 15usc 1681 ( 2 ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. 15usc 1692 ( f ), 15usc 1692 ( c ) the company never validated any debt.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Credit Acceptance gave me a high interest rate. They still haven't closed my account saying it's paid off. They don't update the credit bureau until months later. But i needit to be taken off asap so i can be financed another car. mine is wrecked due to an accident that occured on XX/XX/XXXX. This account was paid in full on XX/XX/XXXX
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

I paid a debt a judgment was entered on. I attempted many times to solved this problem without court action. Communicated with this organization and followed their direction. I advised them of my situation just they still, after payment in full Pursued and entered judgment on an account that was paid in full prior to the court date. In addition to that every time I called to make a settlement on this account I was told to call back and was not able to follow their instruction and they still entered judgment on a paid account.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

On XX/XX/XXXX I sent UNIVERSAL ACCEPTANCE CO. a Ceast and Desist letter that was received on XX/XX/XXXX.

On XX/XX/XXXX, I sent a complaint letter to the Bureau of Financial protection because XXXX was still reporting Collection Activity to all three credit bureaus and the letter was received on XX/XX/XXXX via certified mail.

XXXX, have not been in compliance and are in violation of the FCRA and the FDCPA.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX I was late paying my capital one bill and was charged a XXXX late fee, which I was fine with. I paid on XXXX the XXXX payment. Then, on XXXX I paid the balance in full of XXXX. That same day, XXXX, they charged me interest of XXXX for a balance that was paid in full that morning. I called capital one and wanted them to remove the interest balance of XXXX but, they said that they would not remove the balance. So, on XXXX I paid the XXXX.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AAA Collections (NE)

I received a call on XXXX at XXXX XXXX. It showed on my caller ID as spam but I answered it in error. The lady asked if this was XXXX I said yes but she would have to contact me after XXXX. Without verifying who I was, she violated the FDCPA and TCPA. She did n't let me know the call was being recorded, and she did n't verify who she was speaking with prior to disclosing a debt. She also did n't give the mini-Miranda. She continued to harass me and tell me this was not the way to handle a debt. All of this happened while i was at work. I disconnected the call and called back at XXXX XXXX. A woman answered and again violated the TCPA by not letting me know the call was being recorded. I requested a supervisor, who also violated the TCPA by not letting me know the call was being recorded and also violated the FDCPA by not reading the mini-Miranda. She then told me the calls were recorded and that she would deal with it.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

My credit reports are listing a bankruptcy from Experian, XXXX  , & XXXX  and all 3 bureaus are saying that XXXX is the furnisher. I wrote XXXX ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like XXXX. I have the letter to prove it. 

Then I wrote Experian, XXXX, & XXXX  ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.
Consumer complaint received 2020-08-24
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. (IL)

My credit reports are listing a bankruptcy from XXXX, XXXX  , & TransUnion and all 3 bureaus are saying that XXXX is the furnisher. I wrote XXXX ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like XXXX. I have the letter to prove it. 

Then I wrote XXXX, XXXX, & TransUnion ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time (XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.
Consumer complaint received 2021-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Mr Cooper made 7 unauthorized charges to my bank account. My account is overdraft by thousands of dollars by this irresponsible company. I still dont have any answers from them. A representative from Mr Cooper hang up on me when I was demanding a answer. Because of Mr Cooper my bank account is below XXXX.
Consumer complaint received 2018-07-05
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. (GA)

I had a mortgage loan with XXXX ( Account number XXXX  ) The first delinquency on this loan was in XX/XX/2011. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/2011. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file in XX/XX/XXXX due to federal obsolescence guidelines. I disputed it and it remained.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022 my company, XXXX XXXX XXXX was instructed to Wire {$17000.00} to our manufacturer, XXXX XXXX. Unknown to us, someone had broken into the servers of XXXX and had fraudulently emailed us a fake letterhead/representative of XXXX. The Wire went from XXXX XXXX XXXX to Chase Bank instead of XXXX, XXXX. This has been confimed by XXXX XXXX, XXXX of XXXX XXXX
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc. (OH)

On XX/XX/XXXX I recvd a call from XXXX XXXX  XXXX XXXX XXXX stating that she was calling from XXXX  court processing and summons district and that I needed to verify my information for legal documents do to fraud ... I hung up cause I know you are misrepresenting yourself and I have the call recorded. She then proceeds to skiptrace and contact my aunt, husband, grandma and tell them I have 6 counts of fraud the case # XXXX and I needed to call her back and she told them my legal documents had they name on them and they would need to come to court too. I found out she is calling from a place she only gave abbreviations for ARA and XXXX XXXX is claiming to be a paralegal telling me see you in court ... all calls are recorded.
Consumer complaint received 2018-07-05
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: PNC Bank N.A. (OH)

On XX/XX/2017, fraudulent charges were made using my card that was either lost or stolen, and paid by PNC Bank without being questioned. The fraudulent charges totaled {$790.00}. 

I reported the lost or stolen to PNC in a timely manner. PNC Bank refused to return the money. 

I have a attached a detail letter, with documentation.
Consumer complaint received 2022-09-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NATIONWIDE ACCEPTANCE LLC (CA)

I SPOT WITH A LADY NAMED XXXX WHOM I FRLT XXXX XXXX AGAINST SHE THREATENED ME THAT THEY WILL NEVER REMOVE IT & THAT SHE COULD NOT ASSIST ME. NOW I AM AFRAID SHELL BE SPITEFUL AND TRY TO ADD THE DEBT BACK TO MY ACCOUNT. THIS HAS BEEN AN UPHILL BATTLE WITH INFORMATION THAT IS INACCURATE