davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses doesnt belong to me please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-03
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

I have a complaint about a transaction at this store : XXXX # XXXX XXXX Cleveland, OH XXXX NCP Loan Number : XXXX I was told that it was part of XXXX is part of Advance America. 

I 've been taking out loans on and off from this location for about XXXX months. In earlier loans, I was given the option if I wanted the repayment withdrawn automatically from my checking account. Then I was told if I wanted to " re-up '' the loan, meaning process another loan right after paying the first one back, I would have to come in because it can take their system XXXX days to recognize the first loan had been repaid via automatic withdrawal. Finally when I took out my latest loan, the story changed once again and I must come into the store to repay, there is no automatic withdrawal option - even though I received text messages confirming they would process an automatic withdrawal the next day if I did n't stop in on the due date. They even called me and my husband to harass us because I had n't come in. 

I believe they are changing the auto payment rules to encourage people to re-up their loan, and never really pay off the cash advance. Please feel free to call me if you have any questions. 

SincerelyXXXX cell XXXX
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX and XX/XX/XXXX I made purchases at Macy 's using XXXX XXXX XXXX XXXX XXXX XXXX credit card. On XX/XX/XXXX the statement cycle ended and my bill arrived, showing the items I purchased on XX/XX/XXXX and XX/XX/XXXX, there were no other charges or items purchased during that billing cycle, with a due date of XX/XX/XXXX. 
On XX/XX/XXXX I returned all items purchased and received full credit in the same amount as the ending balance on my billing statement. So in my opinion, I would not owe anything on XX/XX/XXXX payment date because the account would be at {$0.00} balance for whatever was owed in that billing cycle. 
I did make subsequent purchases after XX/XX/XXXX, but those would be on the next billing statement since XXXX 's billing statement had already closed several weeks earlier. One would not be expected to pay for the new items purchased until one received the next credit card billing statement. 
When I received my next billing statement, statement close date of XX/XX/XXXX with a payment due date of XX/XX/XXXX, I noticed I was charged a late fee for not making a payment by XX/XX/XXXX. What was I going to send them, a check for {$0.00}? How does one pay a {$0.00} balance? 
I called the credit card company that administers the Macys XXXX XXXX credit card and had a very difficult time getting the representative to understand what the problem was. I had to repeat myself and try to explain multiple times that they can not charge a late fee when the balance for that billing cycle was already at {$0.00}, prior to the due date of that billing cycle 's payment. I think the rep finally just gave up and said he would credit me back the late fee charge. I did get him to acknowledge that this was an error on the credit card company 's side, not my error.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have sent many request for correct info on my credit reports. My auto loan with XXXX financial was included in XXXX  XXXX and XXXX XX/XX/2022 ... company continues to report payments late after discharge..I am not responsible nor can they collect the debt from this auto loan I will enclose screenshot from there website and also my credit report screenshot..thos account is not open, was discharged XX/XX/XXXX XXXX 've called and spoke to XXXX and was told nothing they can do ..they should not be reporting any payment activity at all
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX is a fraudulent account not belonging to me. I have disputed this account with all 3 credit bureaus and Equifax will not remove this account after submitting identity theft report and police report.
Consumer complaint received 2020-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

A title opinion when going to still a home, showed that a mortgage was assigned to PHH Mortgage/FL in XXXX. The loan was paid off in XXXX but not recorded therefore there was still a lien. I faxed all info to the lien release dept on XX/XX/XXXX. On XX/XX/XXXX the company said it needed 4-6 business days to get me a lien release/ satisfaction letter. It's now XX/XX/XXXX. I have sent received 65 emails and made 25 phone calls : still no release.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc. (FL)

I have disputed Diversified Consultantso several times asking for them to validate the debt. To date I never received any communication from the collection agency. I am requesting to remove all collection accounts from all bureaus.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CENDERA FUNDING, INC. (TX)

We were asked on Friday, XX/XX/2016 at XXXX pm to provide payoff amounts for XXXX creditors our lender wanted paid off at our closing. We were successful in getting all but XXXX of the payoff amounts by Monday, XX/XX/XXXX and the last XXXX came in by the close of business that same day. Tuesday, we went to sign the " Closing Disclosure '' and noticed the figures were incorrect by nearly {$4800.00} over the amount owed. When we asked for the figures to be corrected based on the payoff amounts we submitted, we were told by XXXX, our load would be cancelled if we insisted on the amounts being corrected. 
In addition to that incident, the agency for our homeowners insurance policy was selected by XXXX, not according to the choice we submitted to them.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I disputed the validity of a bankruptcy that is on my consumer report. I pull my consumer report from XXXX XXXX XXXXXXXX and I see that the inaccurate public information is no longer listed. I download my report and It shows inaccurate information on the downloaded version but not on their website. This is very deceptive and misleading. They never sent a permissible document for the alleged bankruptcy. I asked them to verify the accuracy of the alleged bankruptcy and they have not.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

XXXX XXXX had a collection for atnt in the amount of XXXX that I paid in full, XXXX deleted the collection per our agreement. XXXX  then transferred the collection to a new company ERC as if it had not been paid. I never received a letter or phone call from ERC before they put a fully paid collection on my credit report. I called XXXX several times no answer, I called XXXX  serval times no solution. I do not have a record of a payment I made over a year ago. In addition my bank recently switched ownership and Acquiring the bank statements is going to take a while if I can find them at all. I have asked atnt to recall the collection they refer me back to the collection agency. ERC says the notes from the previous collection agency states I did not pay the debt because I filled for bankruptcy, I have never filed for bankruptcy. If I shad that would absolved me of having to pay the debt. Nobody is making sense or providing a solution. Please help me remove this paid collection. Im trying to buy a house and I lost XXXX points for a collection I already paid.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (WI)

I received a debt collection statement from Oliver Adjustment Company Inc for XXXX XXXX XXXXXXXX XXXX account # XXXX. 

The amount owed is {$50.00} and I have no clue what this is for. I never worked with this company or was involved with them to my knowledge.
Consumer complaint received 2022-10-19
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. (MA)

15 U.S. Code 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.

These inquiries are on my credit report and are not mine.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I have my loan with Ditech. My monthly payment is {$1000.00}, I pay {$810.00} every two weeks for a total amount of {$1600.00}. Every month I get a phone call from Ditech saying that my payment is late or there is a shortage on my payment. Also, they keep charging me for late fees {$41.00}. Every time I call Ditech they say everything has been corrected and all the late fees had been removed. That is not true. I dont know what else to do. This is so frustrating.
Consumer complaint received 2017-05-07
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: HW Holding, Inc (NV)

A collection account from  Hunter Warfield  showed up on my credit report about two weeks ago. This account is not mine. I have contacted the company and asked them for help removing it and for relevant information about the account. It is from an apartment I have never lived at or been associated with. The address of the apartment does not even show up on my credit file. They said they have been reporting since  XXXX , but it only showed up on my credit file in  XXXX  of  XXXX !! I have perfect credit and this account is ruining my credit. I have NEVER been sent any type of letter or bill from this company in the 2 years that they have had this account, and again I did n't even know this account excited till two weeks ago. I have called the company and they are unwilling to help or work with me. They want me to provide information that is so old and almost impossible to get, they also said that any information provided they would call and verify it as correct, which is invading my privacy. The information showing up on my credit file is as follows.      Hunter Warfield   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Rental Leasing Original Creditor :   XXXX   XXXX   XXXX   XXXX   Account Number :  XXXX  Account Owner : Individule Account Original Amount Owed : {$4500.00} Date of  XXXX  Delequency :  XXXX  Balance Date :  XXXX  Balance Owed : {$5200.00} Status Date :  XXXX  Status : D-Unpaid This is not my account and I want it removed from my credit file! Please help me stop this company from illegally doing whatever they want and reporting incorrect information to the credit reporting agencies!
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (TX)

I have been requesting over and over again to the Credit Reporting Agencies to investigate and correct my Credit File by fixing or deleting these erroneous accounts that are still reported by the Credit Bureaus despite the multiple dispute letters and CFPB complaints I have been submitting. These accounts reporting erroneous information on my Credit File is in violation of the Federals statute, Fair Credit Reporting Act section s 609 and 611. Also, the Credit Bureaus have been claiming that the disputed accounts have been verified and yet they are not able to send me copies of proof of verification! For the last 6 months, my dispute have been constantly ignored! I have made up my mind and I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the FCRA. I am submitting this CFPB complaint to warn the Credit Bureaus to remove the disputed accounts before me and my legal counsel would be able to submit a lawsuit. Once again, I am requesting that the Credit Reporting Agencies correct my Credit File by removing the following accounts from my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

recently I made a late payment for one of my credit cards. I genuinely believed my payment was due on XX/XX/XXXX when in actuality, it was due on XX/XX/XXXX. i've never been late on a payment as my history will show.
Consumer complaint received 2017-05-06
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. (CA)

I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and   XXXX  /Equifax was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (GA)

These inquiries doesn't not belong to me and we're not authorize by me XXXX XXXX XXXX FCU XXXX AUTO SALE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I purchase the Vanilla gift cards to hand out as incentives to my clients and when the client or myself open the cards they are already drained or partially used, this happens 8/10 times where I have to now stop using them
Consumer complaint received 2017-05-07
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. (GA)

I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  XXXX  dont owe   XXXX   XXXX   XXXX   anything.   I never had an account go past due with   XXXX   XXXX   this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or   XXXX    anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.   Ga  XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DC)

My credit was pulled without knowledge on XXXX XXXX and XXXX. XXXX made XXXX unauthorized inquiries on my credit report. Equifax gave me the following address : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I tried contacting the company and was unsuccessful. I called XXXX XXXX business licensing. They do n't have a record of this company. I am in the process of closing on a home and got denied because of the above inquiries. I am trying to get the inquiries removed ASAP.
Consumer complaint received 2022-06-06
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. (NY)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am a XXXX XXXX XXXX XXXX man with XXXX XXXX, and my source of income is Social Security XXXX XXXX. A new Personal Care Attendant found my checkbook and forged numerous checks which totaled {$7200.00}, all of my savings. I discovered this with the first bank statement that included the forged checks and immediately visited the Citizens Bank branch in XXXX and saw XXXX XXXX XXXX to report the forged checks. At that time I closed the account and opened a new account. XXXX XXXX told me the amount of the forged checks would be returned to my account. After a few weeks I did not receive the funds, and was then told that I hadn't filed a claim in time and that it was too late for them to return the funds to me. We have appealed this to the Chairman of Citizens Bank as it was their bank that cashed the forged checks, but there has been no response. 

Attached is a letter contesting the denial from my brother-in-law, and copies of the forged checks.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

XXXX   XXXX , Experian,  XXXX , an d   XXXX   XXXX   XXXX  . The credit bureaus are claiming I owe for a student loan. I have from the   XXXX   XXXX   XXXX   a  letter from them stating all student loans are cleared.
Consumer complaint received 2022-10-18
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 (TX)

I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and XXXX to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently Syncrony bank.

I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me. 
I have also placed credit freezes with all three credit bureaus. 
My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10. 
XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX ( XXXX ) XXXX