davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

My dispute process began in XX/XX/2021. Upon reviewing my credit report I found a tremendous amount of errors. I immediately gathered all of my credit reports from XXXX, Equifax, and XXXX. None of the accounts had consistent information such as personal information, date of last activity, and reporting payment history after the accounts were charged off. I did not want to appear frivolous, so I tackled a few at a time however ; with such hard time they were giving me, I could not handle the rest of the errors. 
My accounts has been under investigation now for 60 days.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (KY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-03-14
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. (TX)

Experian has always done this crooked act, they ask u questions to " verify '' your identity, who's going to know more about u than u? EVERY time I've EVER tried to access their site they always say : Sorry, we were unable to verify your identity because of one of the following reasons : You didn't answer the questions correctly You didn't answer the questions in time We are having technical difficulties This is a scam!! Then u tried via phone, they have a system set up where u can NEVER get a human!! This type of scam company should NOT be allowed access to people 's personal information when they have this type of crooked behavior! I'm sick of this!! I got an alert about my credit, so I went to their site to find out about it, and they do this to me?! 
I see they've been fined before for being crooked con-artist 's! PLEASE PLEASE protect the people of America and put a stop to this crookedness! I just want to see whats going on with my credit and this bill! 
U should try your own login attempt & u will see! I mean, it asked me 3 questions " a company i worked for '' i picked the company i OWNED for 20 years " what my astrological sign is '' OBVIOUS I KNOW THIS " it looks like you opened in XX/XX/2014, with who '' WELL I'VE NEVER HAD A MTG IN MY NAME, I PICKED THE ANSWER THAT SAID " NONE '' There is NO WAY I got any of these wrong!!!! 
THANK YOU!!!!!!
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

Company : Netspend XXXX XXXX Actions taken : Email sent to XXXX Excess difficulty during the online activation process of the prepaid card. This complaint does not include diffuculty due to personal information during activation process such as social sec number, ID verification, etc. This complaint is due to difficulty accessing the Netspend account in order to activate the card with an email address that is no longer resolving. 

I am asking Netspend to assist in the activation of the card via email, as their website does not have the functionality available to assist me. In other words, their technology solution does not provide the functionality required to activate the card without contacting support.
Consumer complaint received 2022-04-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Florida Pro Mortgage LLC (FL)

I was trying to purchase the house I've been currently living in from my landlord which is a realtor ( XXXX XXXX ). He has a friend that's a loan officer ( XXXX XXXX ) ( Florida pro mortgage LLC ) our agreement was that my landlord was going to pay for the closing on both sides. One week before the closing he backs out and cancels everything with XXXX. I told him it was not legal what he's doing, so I got a mortgage lawyer. She spoke with him he went along with his friend and started procedure again. I signed 2 DOC ... Then was given a rejection I didn't qualify for the loan the Monday before closing on Friday. Mind you it's a FHA loan ... .. XXXX send me an email saying that I didn't qualify for the loan because of because I didn't make enough money for the loan which is false my credit which is also false it also says that I didn't have enough money for the closing which was also false because they had {$5000.00} in escrow earnest money and what was in my bank account was more than enough. I was asked by both parties to pay off my truck which was {$15000.00} and I did that exactly. I also didn't qualify because I had too much debt also false I have zero debt .... I have a mortgage attorney. I plan to proceed with charges against all parties involved. At this point XXXX XXXX ( my landlord ) is now threatening me with eviction.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (ID)

On XX/XX/2023 I received results after I disputed the collections account. XXXX updated my account stating it was updated. I requested proof be sent I had legal binding contract. I requested the notice that was sent to me. The demands were ignored. I have no obligation to pay a debt that was bought. The account states its disputed and reinvestagated but is still not conducting this matter by the laws set forth.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (AZ)

This morning at XX/XX/2022 at XXXX MST I was contacted by midland credit management. The last contact noted for them to contact via mail using the address they already have on file including further detail on original balance of debt one debt 3 years ago. They since then acquired 2 additional credit card debts while I was between settlement vs bankruptcy.I recently spoke to the attorney garnishing my wages noting Ill call once the final payment is resolve and since then they have started to call again and they are well aware of the time zone and address as I was served by an west coast law firm. As of 2 days ago I am a part of the national debt relief plan to settle the remaining accounts.
Consumer complaint received 2021-05-03
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. (AL)

This happen in XX/XX/XXXX I notice in XXXX theres was inaccurate accounts on my credit report. So I spoke with a representative at equifax it was a supervisor I spoke with they told me to get a police report or a ftc report about the fraudulent accounts that was showing on m credit report. So I provided equifax with a ftc report sent it by mail they received it they told me the ftc was invalid that they couldnt process it because I didnt have the fraudulent account number on the report. Equifax have been sending me on a goose chase I call them they lie like one representative told me she was gne have the fraudulent accounts removed and I feel like I been a victim of fraud for three years and it seem to me I provided Equifax proof of a Ftc report which is what the head person of Equifax told me to do and they still not helping me with this matter okay so since they want me to provide a valid ftc report which the representative told me to do if I want to get those fraudulent accounts thats on my credit report removed I have print out a ftc report with the account number of the fraudulent accounts and Im attached a copy of my photo Id lets see what the problem is now I will like those fraudulent accounts to be removed from my credit report immediately a supervisor from Equifax said provided them with a valid Ftc report and make sure I add the account numbers from the fraudulent accounts that are showing on my credit report and once I do that they will removed them so please remove those accounts from my credit report and I also fax in this Ftc report on XX/XX/XXXX and this time its valid with the account number so yall shouldnt have any problems getting these removed thank you
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

There have been repeated attempts via phone calls from Amsher Collections to collect a debt that I do not owe. The debt was on behalf of Charter Communications, LLC of which I do not have an active account and the collection amount of {$200.00} is not my debt. Because of these attempts, on XX/XX/2023, a collections account had been made in my name which has drastically decreased my credit score. I would like this collection account removed from my name and record since it is not a debt I owe and there is no proof I am attached to this debt and it has been negatively affecting my credit score with no resolution in sight.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC. (MS)

I received notification through my credit monitoring company on XX/XX/2020 that HMC Group has reported a collection account to my credit reports. Before this day I had never heard of this company. I have not received any documentation nor any phone calls. I had no notice of who they were or how I owed them. I do believe that there is a law in place that requires collection agencies to notify me and to give me time to dispute and to give me notice before they place an account on my credit report.
Consumer complaint received 2021-04-29
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: DISCOVER BANK (TX)

I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX  online but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Im filing this complaint against Portfolio Recovery Associates, LLC, because I have been disputing 2 negative items on my credit file since 2018. Portfolio Recovery Associates, LLC, is reporting I owe them for 2 accounts in the amount of {$840.00} and {$1100.00}. Ive been disputing the account in the amount of {$840.00} since XX/XX/2018 and {$1100.00} since XX/XX/2018, directly with Portfolio Recovery Associates, LLC, in addition to all 3 credit bureaus. In these disputes Ive consistently requested validation of these debts, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have consistently requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. As of today, I still have not received lawful evidence that this debt belongs to me. In its place, Portfolio Recovery Associates, LLC, has consistently sent me bills and letters from what appears to be the original creditor XXXX XXXX. Which, again is not lawful evidence that this debt belongs to me, and violates FCRA & FDCPA. As per FTC opinion letter a printout of a bill or itemized document does not constitute verification. In addition, to them sending me bills and letters from XXXX XXXX theyve sent me letters stating the accounts were sold, assigned, and transferred to them from XXXX, XXXX. Whom provided them with an electronic file of its business records concerning the accounts. With that being said there should be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. Which, again they have failed to send me. These negative items on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery Associates, LLC for a debt I dont owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete these entries. These negative reportings are harming my credit file, and hurting me financially. As this has caused denial of credit, higher interest rates, higher insurance payments, all due to these items lowering my credit score. With this complaint Ive included some of my dispute letters and the letters Ive received from Portfolio Recovery Associates, LLC, along with what they consider validation of debt. Ive only included some of the most recent letters due to file size limitations.
Consumer complaint received 2019-03-14
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: Experian Information Solutions Inc. (WI)

I disputed a public record that was in my credit file, the account came back as verified I then requested the method of verification which is my right as a consumer according to FCRA 611 ( a ) ( b ) ( 6 ) ( iii ) and was told by representative at credit bureau initially the courts verified this account. I made them aware that I had spoken to someone at the court house and they DO NOT verify or report anything to credit bureaus. The representative then stated they used a third party and When I asked for business name, address, phone number and point of contact as to who verified this information I was told he can not and will not give me this information, and that there are many third party reporters. I then made him aware that by not providing this information to me was in direct violation of my rights as a consumer he stated that I can look it up myself and he has read the law many times. The federal law is very clear that if the agency can not or refuses to provide their method of verification when requested by a consumer that that account must be removed from the credit file.
Consumer complaint received 2018-12-09
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. (NC)

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report ..XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (KY)

On XX/XX/XXXX I purchased a new XXXX XXXX XXXX. The financing was done through Toyota Motor Credit Corporation. The original balance was {$28000.00}. ( 1 ) As an XXXX XXXX service member with the XXXX XXXX from XXXX to present, I have had two PCS moves since purchasing this vehicle. This includes an assignment in XXXX from XXXX to XXXX. ( 2 ) As a result of my XXXX beautiful children being born and PCS moves, my expenses were much higher than anticipated and I had trouble paying the car loan. We still have the vehicle in our possession. ( 3 ) Several months ago, my wife called Toyota and tried to re-establish a payment plan on this vehicle. The representative at Toyota said we could send a payment ( s ) but there is no guarantee that Toyota would accept the payment ( s ). ( 4 ) A few weeks ago, I met with military financial counselors who made me aware of a {$21.00} XXXX settlement on overcharges to certain minority buyers from XXXX to XXXX. I am a minority buyer and was never notified of this matter, although I was also stationed in XXXX during the deadline. I question whether I qualify for benefits from this settlement since I am a minority. ( 5 ) As of today, XXXX XXXX, XXXX, there is a {$9100.00} " charge-off '' reported with the credit reporting bureaus. ( 6 ) Today, our military financial counselor, and I called Toyota Motor Credit at XXXX and spoke with representative XXXX around XXXX XXXX  Central time. We asked about establishing a payment plan and she told us that she is not able to establish a payment plan as Toyota will be placing this account with a business partner. When I asked " who '' the business partner will be, she said it could be one of several. She said that " business partner '' will contact me for payment options and that it could take up to 30 days. ( 7 ) This is now the second time we have not been able to establish a payment plan. I'm concerned about my credit and reputation as I have not been able to establish a payment plan or reduced lump sum settlement.
Consumer complaint received 2018-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (MI)

XXXX XXXX XXXX XXXX. 
Date XX/XX/XXXX loss XXXX XXXX claim # XXXX Subgrgation calim amount XXXX Threatening to take license and vehicle tags. I was never involved in a auto accident! Nor with XXXX.
Consumer complaint received 2021-10-26
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 — Investigation took more than 30 days
Company: Possible Financial Inc (TX)

Possible Finance is reporting inaccurate information to my XXXX  credit report. They are stating that I owe a debt of {$51.00} and have reported to my credit report as charged off. I haven't done business with this company and I do not owe them anything. According to the Fair Credit Reporting Act, section 609, they are required by federal law to verify, through the physical verification of the original signed consumer contract, and and all accounts that they post to my credit report. Otherwise anyone paying for their reporting services could fax, mail, or email in a fraudulent account. These reporting 's are inaccurate
Consumer complaint received 2019-03-14
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. (WI)

I disputed a public record that was in my credit file, the account came back as verified I then requested the method of verification which is my right as a consumer according to FCRA 611 ( a ) ( b ) ( 6 ) ( iii ) and was told by representative at credit bureau initially the courts verified this account. I made them aware that I had spoken to someone at the court house and they DO NOT verify or report anything to credit bureaus. The representative then stated they used a third party and When I asked for business name, address, phone number and point of contact as to who verified this information I was told he can not and will not give me this information, and that there are many third party reporters. I then made him aware that by not providing this information to me was in direct violation of my rights as a consumer he stated that I can look it up myself and he has read the law many times. The federal law is very clear that if the agency can not or refuses to provide their method of verification when requested by a consumer that that account must be removed from the credit file.
Consumer complaint received 2019-03-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CA)

My parents were both killed in a tragic house fire this past XXXX XXXX. My brother and I, in the midst of our grief after this trauma are actively working towards selling their house and paying off the mortgage debt. Celink has denied us the courtesy of an extension to give us the small bit of extra time we need to clean up the house and get it ready to transfer ownership. We have even provided them with the purchase agreement from the new buyers and shown them that they will be repaid shortly. They say that this account is not eligible for an extension option. 

We have called them numerous times to explain our need for a small extension. We have also called the holder of the mortgage who refers us back to Celink. 

My family is hurting deeply right now as we process this horrific and unexpected loss. To be denied a compassionate and reasonable request, especially since we have proven we are taking the correct and necessary steps to repay them, is cruel and unfair.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I got a XXXX  inquiry on my XXXX XXXX notification. When I logged in to my account it was for Bank of America. Its was for an XXXX  XXXX XXXX. The application did get denied and I file a complaint and there mis ongoing investigation.
Consumer complaint received 2022-10-13
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : XXXX XXXX, # XXXX XXXX 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 an account without 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 buy more than XXXX years. 

15 USC 1681 S-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.