davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
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: LEXISNEXIS (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
Consumer complaint received 2020-08-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: John C. Heath, Attorney at Law, PLLC (ID)

I received an e-mail that was by nature meant to instill fear in me. One statement says, " You might be immediately sacked by your employer as they will be notified. '' This is a direct statement that I have copied and pasted here from the e-mail I received. According to the law, they may contact my employer to gain information, but they can not notify them of the nature of the debt. This statement is meant to make me fear that they will intentionally try to get me, " XXXX, '' by my employer. 

Additionally, I have not had any contact regarding this account until today. They have made false statements to attempt to instill fear into me. Below is a copy of the e-mail ( minus personal information ). 

We already contacted you several times regarding your unpaid loan account but failed to receive any response from your side. 

We are ready to file a lawsuit against you and report this to major credit bureaus and inform the IRS regarding this lawsuit. 

You will have to face severe consequences like : 1. You might be immediately sacked by your employer as they will be notified. 

2. Your credit will be ruined. 

3. Your wages can be garnished. 

4. Your bank accounts/credit cards will immediately freeze. 

5. The IRS will put a hold on your Tax return. 


Before proceeding ahead, this is your final chance to settle this debt outside the courthouse. 

We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not? 

We are also willing to provide you with a payment arrangement or one time settlement according to your convenience. 

Please respond ASAP as you have two business days to respond.
Consumer complaint received 2023-01-29
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

My

initial communication to LexisNexis was a written dispute of a Bankruptcy listed in my credit file. This entry is inaccurate and I requested procedure ( s ) used to verify this information as well as disclosure of who and where this information was obtained. I haven't received a response ( 30 days ), so I mailed a follow up letter via certified return receipt mail requesting a response as well as requesting the deletion of inaccurate names and addresses I found listed on my LexisNexis credit report. Initial and Follow Up letter attached.
Consumer complaint received 2020-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

EQUIFAX AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX  IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND EXUIFAx IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXXXXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND exquifax IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Consumer complaint received 2022-12-31
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. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

On XX/XX/XXXX I received a letter that my loan was in default because my payment was short {$110.00}. I called Penny Mac to inquire why. I was initially told it was because of a county tax increase. I informed them that we had not had any tax increases in my county in a couple of years. I was immediately transferred to a supervisor. She told me the same thing until I informed her that we have not had any tax increase. I did add an attached garage to my house which increases the insurance payments. My insurance increased from {$76.00} a month to {$100.00} a {$24.00} difference. My monthly payment increased from {$1200.00} to {$1300.00}. An increase of {$70.00}. This is a difference of {$46.00}. When i asked the supervisor why there was a difference, she informed me that this was for an emergency maintenance account in case I was short due to increases in the future. I was not aware of this account and she actually said it is basically a secret account. I can not see the account anywhere on any statement and was not aware of this policy. As of now, I have around {$430.00} in this secret maintenance account.This happened last year and i blindly sent in the money they asked for. 
This loan was assumed by them without my permission. I signed the paperwork not to allow the account to be assumed. 
I would like to mortgage to be returned to XXXX XXXX  and be compensated by Penny Mac for their deceptive and forceful threatening.
Consumer complaint received 2020-08-28
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: Ad Astra Recovery Services Inc (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hello, I opened this account ending in XXXX with a {$300.00} collateral deposit on XX/XX/22. 
I closed account on XX/XX/22, instructing rep to apply entire deposit to {$300.00} balance. 
When that did not happen, I paid {$35.00} statement payment on XX/XX/22 to avoid default. That amount was refunded on XX/XX/22, along with {$260.00} of my {$300.00} collateral payment applied to balance leaving over payment due to me of {$35.00}, because had I not been forced to make my XXXX payment, the entire deposit would have paid original balance. Enclosed documents prove this, including XX/XX/22 chat with rep XXXX promising processed {$35.00} refund.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VT)

I have a loan through Carrington Mortgage. I use my bill pay service through XXXXXXXX XXXX to make my mortgage payments. 
Carrington will take an extended amount of time to process my payments sometimes up to three weeks. When I call in to inquire about the payments, I'm informed that Carrington does not have my check. 
I will then make the payment over the phone. 
Then, within a day or two the check that Carrington states they don't have will suddenly try to clear my account. Since I just made the payment over the phone this will result in the check not clearing my account. 
Carrington then states that I have bounced checks and I have late payments. I get a charge for a late payment and a charge for a bounced check. 
They do this on the check they state they don't have and I pay over the phone only to have them try to cash that very same check, right after they pulled the funds from my account for the over the phone payment. 
Now my bank ( XXXX  ) has begun sending them payments electronically. Currently, I have a payment that has been pending on my XXXX account for 11 days. Carrington states they do not have the money yet XXXX says they do have the money. This money has been " pending '' electronically for 11 days. 
Also, Carrington now says that due to my " bounced checks '' I have to send everything in as Certified funds which will result in even longer processing times for my payments. 
XXXX  has kindly written a letter to Carrington explaining the funds are sent electronically and Carrington has never rejected the electronic transfer and therefore has the money. 
In the middle of all of this, Carrington has reported me as late, charged me with fees and ruined my credit that I have worked hard to build. 
I am trying to clean everything up and get this account straightened but at this point I feel like Carrington is deliberately trying to ruin my credit, cause me additional fees and try to make this process even more convoluted than it should be. I've only had this account for 4 months and in that time it's been one headache after another. 
Since they have ruined my credit I'm unable to refinance now and I'm stuck with this very shady company. I'm not sure what to do at this point.
Consumer complaint received 2020-08-28
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: Ability Recovery Services, LLC (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

I had been in the process of refinancing my current mortgage. 
After receiving a loan approval notification, I was told closing should be within the month. 

Due to continued mishandling of documents and delays by the loan officer/processor the date kept getting pushed back. I was unable to contact the loan officer/processor for several weeks, neither by email nor phone with a response. 

I decided to escalate the issue with the main office and they assured me the loan officer would reach out to me, after another week of no response, I called to escalate the issue again. After speaking with another representative, they assured me that they had escalated the issue internally. 

That very evening I received an after-hours email from the loan officer I had been trying to contact for several weeks, telling me my refinance approval was now declined. 

Given the fact that I was repeatedly told closing on the loan would be " next week.. '', never having a red flag during the underwriting process and the swiftness of the response after I escalated the issue makes me believe this cancellation was retaliatory due to my complaints.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX CARDS XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX BUSINESS XXXX XXXX XXXX XXXX XXXX OF XXXX 15 U.S.C 1681 Section 602  A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit reporting act XXXX  act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (HI)

I tried to redeem my US Bank business credit card cash rewards to my US Bank personal checking account. The system keeps telling me " an unexpected error has occurred. '' I called the number on back of my biz credit card. The agent told me I have the wrong routing number and/or checking account number. I told her that I checked XXXX times already and am 100 % certain I provided the correct info. The agent told me she could not help me and made me contact the checking accounts team. I called them and that agent also told me they could not help me and transferred me back to the biz credit card team. US Bank is giving me the complete runaround here and I am tired of this back and forth nonsense. I have the correct account information, unless US Bank changed this without my knowledge, nor consent.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

In accordance with a XX/XX/2020 letter from XXXX XXXX  indicating non-approval of my application for a credit card, I requested a free credit report from Sagestream LLC in a forwarding of the letter on XX/XX/2020 ( attached file ) to the address provided in the letter, per FCRA law.To date, I have not received the free credit report from Sagestream used in the credit decision.
Consumer complaint received 2020-08-27
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: Convergent Resources, Inc. (NJ)

I paid a collection from XX/XX/2019 to a company and ask for a letter of deletion for payment. 
I received the letter and the collection is in my credit report under PAID. This collection is only under XXXX. I receive a letter from the company regarding to delete the collection but it remains my credit report.
Consumer complaint received 2020-07-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the beureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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.

15 U.S.C. 1681s-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.

The information is not accurate and I would like for it to be removed from my report, immediately. 

I have attached supporting documents. Please review.
Consumer complaint received 2020-08-27
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. (NJ)

I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.
Consumer complaint received 2022-08-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting Portfolio Recovery breaking FCRA Laws. Some of their variations of names are : 1. Portfolio Recovery 2. Portfolio Recovery LLC 3. Portfolio 4. Portfolio RC 5. Portfolio Associates LLC This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over XXXX points. Portfolio recovery for years have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (TX)

The company didn't provide a signed contract that I owe {$130.00}. 

Also, I was affected by a XXXX XXXX back in 2017. 
LATE PAYMENTS WERE DUE TO THE XXXX XXXX XXXX XXXX OR OTHER CAUSES BEYOND MY CONTROL. ( XXXX ). 

Please see the attached documents.