davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (OK)

Card worked great until Wednesday night at XXXX trying to make a XXXX. XXXX order and card was declined with enough funds to cover purchase. Went to XXXX XXXX gas station to buy a XXXX card was declined again. Called card company waited on hold for three hours to be told card has to be whitelisted and should work in 24 hours. Not only did they cost me black Friday deal for XXXX for my family but also made me embarrassed when I couldn't even purchase a XXXX and their customer service is a joke as well. Way2go Is a horrible company and not customer first
Consumer complaint received 2020-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I called Amerihome/XXXX  XX/XX/XXXX to inquire what they needed for proof of paying my Property taxes, {$7100.00}. I sent them a copy of the statement from the county, the tax receipt, and copy of my check, which cleared the bank on XX/XX/XXXX. 
I received an email from Amerihome on XX/XX/XXXX stating they made the payment on XX/XX/XXXX. 
I called them on XX/XX/XXXX, confirming what I sent was received and my account noted that I was paying my property taxes. They gave me no reason why they paid it when there are clear notes that I had already paid it. 
So, they sent me a statement for the XXXX mortgage payment of {$2600.00}, they added the Property taxes ton my payment! My normal payment is {$1600.00}. I made it very clear to them that I would only pay my regular mortgage payment. 
I spoke to someone at the mortgage company on XX/XX/XXXX stating that she saw the work order seeking the refund from the county. They are waiting for the refund, and my escrow account is in a negative status. Well, that's due to Amerihome not reading the account notes before making payments! 
I made it clear that I would only be paying my regular payment, and no penalties are to be associated to my account. They also said I couldn't get an escrow waiver until they receive the refund. 
As of today, XX/XX/XXXX, it still hasn't been corrected.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

just notified that was unautiorized hard inquiry on my XXXX  credit bureau XXXX XXXX XXXX from XXXX XXXX Bank  XXXX, i already have active account XXXX XXXX Credit Card ending XXXX ) and i didn't apply for any new account so this impact my credit
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently opened a Kohl 's credit card and forgot to schedule the automatic payment as I always do with all my credit cards causing a 30-day late payment on my part. The monthly statement went to my junk mail, and I never got a paper statement because the paperless setting on my account ( all of these was the explanation Kohl 's representative gave me ). After reporting me to the credit bureau, Kohl 's sent me a letter by US mail letting me know I was late ( I asked myself why they didn't send me a letter before they reported me? ) I called them immediately, paid the little bill of {$79.00} over the phone, and explained the representative that the statement was going to my junk mail, and they just didn't care. Bottom line, my credit score went from XXXX to XXXX and Kohl 's refused to contact the credit agencies to reverse this " the information is accurate and updating the information will create an inaccurate representation of the status of your account ''. 
I am not trying to change the rules of the game here, I understand the system, but I don't think they understand the damage they have done to my family financially for not doing the right thing, at least trying. If I want to refinance anything right now, it will cost more money... well I don't have to explain to you what this means, you are in the financial business. 

Please help me, these people don't understand, and they don't care. Consumers are people who sometimes make mistakes, we shouldn't be punish this way. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc. (OH)

Finance Systems of Toledo is repeatedly attempting to collect a debt that I no longer owe to XXXX XXXX. I have disputed this with all three credit reporting agencies, and it has been thirty days, and Finance Systems of Toledo has not responded.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion and XXXX are reporting wrong information in my credit report that are negatively affecting me and preventing me from getting approve for credit. 

My student loans were consolidated on XX/XX/2020, paid in full and closed of out of XX/XX/2020. And thats work the student loans accounts I had with XXXX/ department of education . 

I received a notification from transunion stating that my credit report had been updated. When I looked they reported the student loan accounts twice with the status of open and paid as agreed I had submitted several times online and via regular mail copies of the paid statement balance And receipts that XXXX department of education provided me stating that the accounts are closed and paid in full ; so that they can update the student loan accounts as Paid in full and close but they refuse. I had been told 3 times that they never received the documents even thought I had mailed thru certified mail and the tracking indicates that it was received. 
Right now my credit report is showing that owe {$150000.00} in student debt and that is not correct
Consumer complaint received 2020-07-24
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. (TX)

There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX  has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-29
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: Monterey Financial Services LLC (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXXhas violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (NJ)

XXXX, XXXX and XXXX XXXX, sends out letters on company letter head as law firm, they are debt collectors who go to court for other companies. But how do they own the debt and why do they appear to the individual as the attorney for the Plaintiff when they are debt collectors. They sign each letter but if you read the end it states we are a debt collector any information will be used for that purpose they do not do Debt Validity. When you call you never get through, I was a victim of Identity theft. Yet I have to send that affidavit to an entirely different company that is not even on the Docket. It is very confusing. This company is practicing Unethical practices to try to Bank Levy or do Wage Garnishment. They can not be the attorney and the debt collector for the company who is suing. I have been through financial turmoil because of this company. I am not the only one, I believe they try to get all old debt and then go to court as the Attorney and the Debt collector. Who owns the debt the Plaintiff the law firm, XXXX XXXX XXXX XXXX should not accept these lawsuits or practices from this Firm as it is unethical.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

On XXXX XXXX, I received a notification on the XXXX XXXX app that a XXXX loan labeled XXXX XXXX  was marked as a delinquent payment. This decrease my score by XXXX points. The government extended the freeze on XXXX loan payments through XXXX so there was no reason for this loan to be marked with a delinquent payment.
Consumer complaint received 2021-06-08
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: Bread Financial Holdings, Inc. (NJ)

These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX and XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : COMEN-XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft COMENITY CAPITAL BANK Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-08
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: DISCOVER BANK (NJ)

These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX  and XXXX  1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My XXXX  XX/XX/XXXX XXXX  was totaled in a crash.XX/XX/XXXX The car payments were current including the GAP insurance from Toyota Motor Credit Corp . 
vin : XXXX My insurance Company : XXXX XXXX XXXX paid {$20000.00} for the totaled XXXX  to Toyota MCC That left {$15000.00} Which was covered under the GAP insurance.

Toyota MCC Chose not to pay and no reason was given just the run around.

They did instantly give me a NEW XXXX loan for A new XXXX  with No money down.

The dealership saw that the car was fully covered with GAP and thus a new loan.

However Toyota MCC to this date has not answered my calls or payed the GAP on this loan. They do not deny anything. They just won't move on this.

This is fraud
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I am writing to file a formal complaint against Caine & Weiner regarding a collection account that has caused unwarranted damage to my credit report and has violated my privacy rights.

Despite previously disputing the negative account with Caine & Weiner, the collection account remains on my credit report, tarnishing my financial reputation and character. This persistent inclusion of the disputed account constitutes defamation and continues to negatively impact my ability to access credit and financial opportunities.

Furthermore, I would like to bring to your attention a separate issue regarding privacy violations by Caine & Weiner. I recently discovered that mail from Caine & Weiner was sent to my mother 's house, thereby violating my right to privacy as outlined in 15 U.S.C. 1681 section 602 ( a ). This unauthorized disclosure of my personal information is unacceptable and constitutes a breach of consumer rights.

I urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to rectify the situation. I request that Caine & Weiner be held accountable for their actions and that all necessary steps be taken to ensure the removal of the disputed collection account from my credit report.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will address these concerns promptly and effectively. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Slovin & Associates Co., LPA (OH)

I have submitted a complaint about this company in the past ( XX/XX/2018 ), and ask them to stop contacting me. 

Also, I requested documentation not only by direct email,. but also through the county court requesting discovery ; they have failed to provide documentation to me in both cases. 

Now, they are trying to request money from me, again, stating that if I do not respond then I waive my right to a legal court hearing. 

This company is using illegal scare tactics and practices to get money they are not owed. This has cause my great mental and physical discomfort, and embarrassment.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Our mortgage was process through XXXX  XXXX XXXX ( based out of XXXX XXXX MO XXXX and was sold to XXXX  whom then sold our mortgage to PHH Mortgage whom has an ongoing extremely poor track record for customer care and proper handling on documentation, such as statements and proof of payments, as well as past lawsuits for wrongfully foreclosing on person ( s ) home. They are not accredited with the XXXX XXXX XXXX and should not be allowed to offer loans to consumers. PHH Mortgage has been in business for over 30 years and has yet to prove they are a trustworthy, dependable, and reliable source for loans/mortgages. PHH Mortgage has and is currently ruining the wellbeing of American families whom trust them with one of their largest assets, a home! The Consumer Financial Protection Bureau must properly vet loan companies to ensure that those companies are accredited though the XXXX  and have a long standing record of quality customer care and record keeping. There is no excuse for these wealthy companies whom absorb millions of dollars in interest from homeowners to not have a quality company. PHH Mortgage has over 700 1-star reviews elaborating the shortcomings of the company. I second me earlier statement : As a federal agency, Consumer Financial Protection Bureau must dictate higher standards for lenders to deserve consideration under XXXX. US citizens count on the government to adequately take care of its people ; not to have a government agency toss their mortgage investment to the dogs to be picked over and handed off to a sub-par company with a poor track record. Poor practices like these are what directly lead to a housing crisis.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

I continue to receive repeatedly phone calls all through the day from XXXX XXXX XXXX STORE CARD XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX )XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX
Consumer complaint received 2021-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I HAVE SUMBITTED A COMPLAINT WITH CFB REGARDING FRAUDULENT INQUIRIES WITH XXXX  XXXX. AS A RESULT XXXX  XXXX AGREED TO REMOVE THE INQUIRIES DUE TO IT BEING CONFIMRED AS FRAUD AND NO APPLICATIONS COULD NOT BE LOCATED IN THEIR SYSTEM TO THIS DATE EQUIFAX HAS REFUSED VIA PHONE AND MAIL TO REMOVE THE INQUIRES. I FAXED AND MAILED THEM THE LETTER FROM XXXX  XXXX ADDRESSED TO CFB AND THEY STILL VERBALLY SAID NO. 

I WAS TREATED AS A CRIMAL BY THE REPRESENTITIVE WHICH IS VERY DISAPPOINTING. 

EQUIFAX IS THE ONLY CREDIT BUREAU THAT HAS REFUSED TO COMPLY.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (NJ)

Hello on XXXX i sent out letters to each credit bureau to remove accounts and addresses that was listed on my report and they have failed to reply in 30 days
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

The company XXXX XXXX XXXX, is trying to collect a debt of {$310.00}, and reporting this debt to Consumer Credit Agencies. 
They are reporting that this debt is from " XXXX XXXX XXXX '' and that it is 2 Years, and 10 months, old. 
I have never had a contract, written or verbal, with the XXXX XXXX, and have not received any information from them or the mentioned collector to validate this debt.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (RI)

LVNV Funding LLC/Resurgent received a default judgment on a collections lawsuit against me and ignored that the debt incurred was a result of identity theft. I have a copy of a police report and FTC report documenting the theft, but they ignored it and did not provide me with the information I needed to forward to law enforcement investigating the issue. This goes beyond the scope of unconscionable at this point, they are obstructing an investigation and violating victims rights under Justice for All Act and a myriad of other laws. I will contact the Attorney Generals office again and let them know how my case was handled.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (VA)

XX/XX/year> Dear CFPB, I am writing to resolve damaging information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) sections 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 section 604 A section XXXX. After reviewing my credit report, obtained from XXXX XXXX on XX/XX/year>, I noticed discrepancies that require your immediate attention and correction.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

They sent emails to my house telling me that they would sue me and that they would put me in prison if I didn't pay the debts I don't remember when it was but those emails were sent while I was in detention for false accusations
Consumer complaint received 2022-08-17
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. (TX)

accordance with the fair credit reporting act XXXX  Account # 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.
Consumer complaint received 2020-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the account which I entered into in XXXX XXXX XXXX ) and has been completely paid off with the Original Company ( Creditor ) XXXX aka Why Not Lease. This account disappeared from XXXX from XXXX to XXXX, however, it is now showing up again with the New Collection Agency who appears to have purchased this account. 

This is OLD ACCOUNT ( OVER 7 YEARS ) AND NOW BEEN SOLD TO A NEW COLLECTION COMPANY WHO IS REPORTING FALSELY JUST TO MAKE SOME MONEY ILLEGALLY