davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-30
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (FL)

I received an email from the payroll department at where I work and they told me : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX : Tuesday, XX/XX/2015Subject : Request to speak with the payroll department about an employeeTo : XXXX XXXX, Got a call for you from the below company. They were trying to get funds garnished from your wages with the firm. I told them you were a XXXX and they said they will do a Release in Doubt. Not sure what the heck this is but thought you should know. 
XXXX XXXXTrans World Systems ( debt collector ) Ref # XXXX have no knowledge of a debt to Trans World Systems. They threatened to do a wage garnishment when they have not sued me nor do they have a judgment. 

This is illegal, deceptive and contacting 3rd parties about some debt and claiming that they will do a wage garnishment is completely illegal They need to be investigated.
Consumer complaint received 2021-09-01
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: Santander Consumer USA Holdings Inc. (VA)

On ( XX/XX/2019 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( DEBT AND DEBT COLLECTOR XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (NY)

I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a notarized signed affidavit and an FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back on my credit report. 

Accounts Information XXXX Account # : XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2022, at XXXX am, I consumer XXXX XXXX, contacted NAVY FEDERAL to obtain the form so I may exercise my right to rescind. XXXX, a supervisor at NAVY FEDERAL, whom failed to provide his employee id, failed to provide me with the form, in accordance with regulations of the Bureau. Pursuant to 15 USC 1635, it states we have the right of recession in the case of ANY consumer credit transaction.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I requested my free annual credit report from all three companies but only received one from XXXX and it was full of errors, appearing as if my credit was combined with someone elses. I could n't access XXXX or Equifax because the security questions asked for me to enter were based on someone else ( addresses I have never lived at, accounts never opened etc. ) I do n't think anything was stolen or my identity taken but it definitely needs looking into.
Consumer complaint received 2022-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

This company has constantly failed to provide proof of debt even after my attorney has requested it. I have also requested that they validate this debt and they have failed to do so. I have been suffering from the re aging of the debt which has been changed on my credit reports multiple times. They failed to respond to attorney letters sent out. I have proof which will be shown in this complaint. This company is very unfair and they have been committing fraud against consumers. As a consumer I requested to have this debt validated and all of the requests to no avail. In addition to my personal attempts to have this fraudulent company provide proof, My lawyer attempted on XX/XX/22 and again on XX/XX/22 to resolve this and the company is still violating my rights as a consumer. They have failed repeatedly to validate this debt within the 30days allowed by law and beyond.
Consumer complaint received 2022-02-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XX/XX/2021 I transferred {$380.00} via mobile phone app from XXXX XXXX  account into my personal checking account with Chase Bank. I later discovered XXXX XXXX  flagged the account for fraud, notified the Chase Bank Fraud Department which later restricted access to the account. On XXXX XX/XX/2021 when I went inside the XXXX, WA branch on XXXX XXXX XXXX XXXX and presented my credentials to withdraw money, the banker confirmed the account restrictions. Later via telephone conversations, the banker stated the issues originated from my social security number. 
Later that evening, the Fraud Department from Chase Bank denied access to all accounts. The telephone customer service agents were neither forthcoming nor forthright with specific information regarding the circumstances about the account. No one from the Fraud Department was available to rectify the situation.
Consumer complaint received 2015-10-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

i bought a puppy from an online site XXXX last night and the whole thing was a scam. We agreed on {$270.00} for the dog and the seller said he would pay all traveling expenses including flight ticket and delivery agency. At first he said i would pay the agency in person with cash when the puppy was delivered to my apartment but then a few hours later he requested that i pay using money order. After i sent the money order of {$270.00} a got a confirmation email saying they had received the money and the puppy was on the way. Within the next few hours i got another email saying the flight was delayed and would n't arrive until this morning at XXXX The owner said he would pay me {$30.00} because of the delay. This morning i got an email requesting that i pay an additional {$500.00} for insurance of the puppy 's delivery. The owner insisted i pay this or the puppy would n't be delivered. I replied with " I 'm not paying anymore money until i can see the puppy with my own eyes. He got very frustrated and began threatening me by saying he is going to press charges against me for animal cruelty. i told him how could i have done that when i have n't even seen the puppy? After all of this was over I realized it was a complete scam and they had taken my money. I have emails and texts from the seller and from the delivery agency to prove my case. I just want my money back. That 's it!
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

XX/XX/2022 fraudulent XXXX transaction of {$1500.00}. Every time I call the customer service number there is an enormous wait time, most recently 45 minutes. I get disconnected and when the service offers to call me back, I get the call however there is no agent present and the phone disconnects. I would like to get my money back if possible.
Consumer complaint received 2022-07-20
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. (NY)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2023 I requested verification for alleged debt for XXXX XXXX  they werent able to verify debt within 30days and sent me nothing that indicates the debt is mine. By law they are required to send me verification within 30 days. They took this debt off my XXXX report. This debt is still on my transunion and well as Experian credit report. I disputed debt for both credit credit reporting agencies and it has not been removed. Experian says its been verified. This is a mistake and by law they have to take this off my credit report. Also there is a bankruptcy reporting on my credit report for Experian that shouldnt be there US court stated they do not verify any information to the credit reporting agencies. This also needs to get deleted off my credit report
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My personal info was subject to identity theft in which multiple items showed up on my credit report between the years of XXXX. These items are listed in my ftc report which I uploaded wihh the a copy of my ID and copy of section 605b.
Consumer complaint received 2022-02-04
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: ENCORE CAPITAL GROUP INC. (GA)

Midland placed a collections on my credit reports with all 3 credit bureaus on XX/XX/2021. This was an error because I never had an account with Midland or any company associated with them. They filed civil suit in my county XX/XX/2021 which was later dismissed on XX/XX/2021. This should not have been reported to my credit reports.
Consumer complaint received 2022-02-04
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We believe that Ocwen Loan Servicing used " unfair and deceptive acts '' while servicing our loan. That Ocwen did not have " reasonable '' policies and procedures in place.That Ocwen did not reply to us in a timely matter, if at all, when we sent them concerns or information on our account. That Ocwen charged us for an escrow account that we did not need. That Ocwen never provided us with an escrow account analysis or an escrow account statement. That Ocwen started a foreclosure process against us without proper procedure. That Ocwen imposed improper fees against us. That Ocwen 's bookeeping is very confusing, if not questionable. That Ocwen, with all their negative reports on our loan, have destroyed our credit. 
We are including a timeline of events for our loan, some comments pertaining to our loan, and exhibits to verify our claims. These items are on the attachment connected to this complaint.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NV)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

I was late with my payment due to my wife taking over the bills and not paying the balance. American Express has continued to call my parents at their own address at phone numbers that were never given to AMEX. I do n't appreciate the utter embarrassment they have caused me in calling my parents regarding a past due balance. My finances are not my parents business nor anyone elses. I sure hope this complaint gets attention, as I will be follow up regarding this complaint. I want to see AMEX forms of communication change, since the tactics they are using are very harassing to say the least.
Consumer complaint received 2016-06-13
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Kingston Financial, LLC (TX)

Kingston Marketing LLC a company I never heard of contacted me through a automated system leaving voice messages on my cell phone on today XXXX XXXX XXXX. I received these cell phone calls of a collection scam department leaving me a bill from my account and last XXXX digit of social being scammed by this Company customer service team at their LLC phone number XXXX. The lady transferred me to a Manager who caught the lie of the worker saying this Company have a 2011 payday loan in my name. They brought up I owed XXXX XXXX and XXXX XXXX so their Manager said Kingston XXXX will be taken off file I disputed but I just told this Company their scamming me so I need this Complaint documented I do n't know how many Companies do this but I have been scammed and had to pay collection companies that I do n't know about and a affidavit did not help me recover thousand of dollars I had to pay just to not be harassed but after this Company I am explaining got my personal information through the Government I need to send it over to Consumer Finance which is this Company to get rid of this Company having my Government and telephone information on their recorded line. They stated my information I did not provide it so I can only get this Complain in so it stop today this year not next week.
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (OH)

Vance and Huffman reported to the credit bureaus that a debt is mine. This debt is not mine and was either a result of identity theft or fradulance if they have my information. I never once signed anything with my physical signature authorizing the debt in my name and I asked to have it removed immediately. I have recieved no response and it remains in my reports. This has caused financial stress and burden upon myself and family. The debt was from XXXX XXXX for over XXXX dollars and I have zero idea what this company is. I pay all of my bills on time. They never sent anything in the mail as I requested with my physical signature nor responded at all. They never sent anything to me ever actually. And now I have this collection that isn't mine on my credit report not being removed.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX acct # XXXX opened XX/XX/2021 this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

my complaint is in regards to an item posting on my credit reporting derogatory as XXXX acct # XXXX opened XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

Received a FCRA notice from Navient alleging a possible collection action, so in response I filed a request for Validation under FCRA. I requested that Navient prove the debt by supplying me with the promissory note between Navient and I. They claimed that my FCRA inquiry was frivolous and irrelevant under FCRA, simply because they cant prove the debt that they are collecting on void a promissory note. The FCRA is very clear what is to happen to debt that cant be proved!
Consumer complaint received 2021-01-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS It not showing or applying paid off loan amount of $ XXXX on loan XXXX and is refusing to refund escrow amount of {$1700.00} for a loan that has been paid off at XXXX XXXX XXXX XXXX Ca XXXX