davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding Portfolio Recovery {$580.00} Portfolio Recovery {$280.00} Portfolio Recovery {$460.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (ID)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC (RI)

On XX/XX/XXXX, by telephone, with an NFM live representative, I paid {$2200.00} from my checking account. 

On XX/XX/XXXX, XXXX for the third time, distributed a check for {$2000.00} ; it was finally credited to my account on XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX disbursed two checks to NFM. The first check for {$1100.00} and the reinstatement check for {$6800.00} On XX/XX/XXXXXXXX XXXX  XXXX disbursed a check for {$1100.00}. 

This is a total of {$13000.00} that NFM has received it. Several checks may not have come broken up into the suggested monthly increments. However, they received the funds and did not distribute them where they needed to, which is to my mortgage. In addition, they continue to report to the credit bureaus that my mortgage is late, which at this point, is impossible. XXXX was the first month my mortgage was in arrears. My payment of {$2200.00} covered XXXX and XXXX. 

XX/XX/XXXX - {$1100.00} w/out late fee XX/XX/XXXX - {$1100.00} w/out late fee XXXX XXXX My mortgage increased to {$1100.00} w/out late fee XX/XX/XXXX - {$1100.00} Total amount due and paid : {$4400.00} {$13000.00} ( total money disbursed to NFM ) - {$4600.00} ( XXXX Mortgage ) = {$8500.00}, the total amount of money to NFM and NEVER applied to my Mortgage. 

Moreover, I am being transferred to another XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-03
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. (NY)

Since XX/XX/XXXX Equifax has been incorrectly posting, reporting, and distributing, my name spelled wrong amongst other continuous problems with Equifax staying in compliance with its legal obligations towards doing these duties under federal and international law as a consumer in the usa as well as worldwide. 
I have documentations from a few other times when I've given Equifax my correct personal information to be corrected within its agency and still Equifax continues to violate federal law to the complete deprivation of me being able to up-scaling or improve all my credit base information which Equifax uses to propagate, advertise and determine my credit worthiness or paint a high trustworthy credit picture of my consumer information to all worldwide creditors : Visa, Master Card, US Banks, etc. 
The other dates of proper information given to Eqfx but still failed correction are : XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
All of these dates My first name is being spelled XXXX XXXX XXXX instead of XXXX XXXX XXXX. Equifax also fails to allow me to use my XXXX XXXX XXXX XXXX also.
Consumer complaint received 2021-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF FOR THE 2ND TIME! 

I started disputing on XX/XX/XXXX some accounts that I don't believe have been reporting accurately with the bureaus. I never received a response from them so I redisputed on XX/XX/XXXX and again on XX/XX/XXXX. When I filed my first complaint on XX/XX/XXXX that also included my 4th dispute to the bureaus because in all that time, they have never corresponded with me!
Consumer complaint received 2021-05-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

XXXX  XXXX  is hired by the three major credit bureaus XXXX  XXXX and Equifax. My credit profile should mimic all accounts with all three credit bureaus. All my accounts are the same, current and all should be updated. XXXX XXXX continually refused to update both XXXX  and Equifax thus keeping my score at a low status monthly continuously For example XXXX  mbfs is update but Equifax mfbs is not and its the same account. ARE THE CREDITOR AWARE OF THE FRAUDULENT REPORTING MONTHLY. CREDITORS CREDIT REPORT AGENCIES LIKE CREDIT KARMA MUST BE ACCOUNTABLE. This practice appears to be designed to keep my score from improving. It's discriminatory and disparate treatment to update is wrong and frankly illegal and credit karma must stiop this action and be accountable. My XXXX XXXX  and XXXX XXXX account is the same it should not be treated with a different status because the two companies are different. Both have a positive and current status and should be updated positive. XXXX  XXXX  promting a lie they do not act on good intentions at least for me because this is evert month. This updating one credit bureau and holding back another is unfair. If the same accounts got like mfbs got 14 points on XXXX  then the Equifax mfbs same account should have 14 points. XXXX XXXX representative every credit bureaus is different and that's why they don't get the same points but it's the same e account. The practice is fraudulently designed to not increase my score because this has been going on for years. As a person of color this practice will hender and tarnish chances of getting ahead financially because XXXX XXXX is saying my XXXX  or XXXX XXXX on one uses is good but not on the other when both are on the same credit bureaus ie XXXX  and Equifax. I THIS IS MY 3RD ATTEMPT WITH XXXX  XXXX  TO CORRECT MY REPORTING. This complaint is the last attempt to remedy this illegal practice. I will seek legal counsel if this is not corrected.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX XXXX so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

Acct XXXX Called from XXXX XXXX XXXX at XXXXXXXX XXXX cst on the XXXX of XXXX monday XXXX@procollect.com during communication the collector lied and claimed the deadline was the XXXX of XXXX They constantly call me at work and yell as soon as I ask them for proof, hang up on me. etc. Just rude and unruly behavior according to my research they are required to " Tell you the specific amount that you owe, broken down b y item and including late charges and interest ''. 
THEY DECLINE PROVIDING ANY SORT OF REAL INFORMATION THEY JUST YELL AT ME Say the name of the creditor to whom the money is owed. 
They did do that, but there's no reason I should have any sort of collections from them 0 damage past wear and tear was left behind the XXXX never notified me of said debt this just popped up in the report out of nowhere and it is off putting their tactics Give you the right to contest that you owe the debt within 30 days, and letting you know that if you do not contest the debt in 30 days, you consider it valid. 



State that if you contest within 30 days that you owe the debt, they will obtain verification that you owe it and send it to you.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (TX)

This navy federal acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (WA)

Caine & Weiner collection agency has continued to attempt to collect a debt from me that has already been paid directly to XXXX XXXX. I have provided proof to this company that the amount of {$100.00} and {$190.00} has been paid to XXXX XXXX, however they continue to ignore my request to cease and desist. I currently have multiple policies with XXXX XXXX, but in order to obtain these policies I had to pay the past due balances of {$100.00} and {$190.00} which were paid directly to XXXX XXXX on XX/XX/23. At one point in time Caine & Weiner deleted this information from my credit reports but have resorted to placing this information back on my credit reports which is a violation. It has been established that I do not owe this money and it was removed from my credit report, so it needs to remain that way. Caine & Weiner continues to damage my credit score when the continue to attempt to collect this debt from me and place it on my credit report as debt that I owe ; that I do not.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OR)

Collection agency XXXX XXXX XXXX has reported a debt on all three of my credit reports in the amount of {$460.00} on XXXX XXXX they also have reported both that its either open or closed. The original debt was purchased by XXXX XXXX, I have never had this cellular service ever. The are also other discrepancies on my credit reports which I am currently disputing.
Consumer complaint received 2021-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have received a copy of my credit report and it shows company KOHLS/XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-06-01
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: CBC Companies, Inc. (MD)

I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named XXXX XXXX inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from Factual data on XX/XX/2022 that i have no clue what for. And another from XXXX XXXX  that falsely ran my credit. I have also called them and they state there is nothing they can do.
Consumer complaint received 2021-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Spring Equity LLC (MD)

We obtained a home equity line of credit in XX/XX/XXXX with Spring EQ mortgage in XXXX, PA. In XXXX, we received a letter dated on XX/XX/XXXX, that the home equity line servicing was being transferred to a company called XXXX XXXX XXXX. As noted, the letter arrived XXXX due to the problems with the U.S. Postal Service. We did not receive an account statement for XXXX. 

We reached out to the number of new loan servicer. In the process, we discovered the name of the servicer was noted incorrectly in the letter. The correct name is XXXX XXXX XXXX. The company also said we were past due on our XXXX payment. However, we paid our XXXX payment on the 2nd via automatic clearing house, with Spring EQ, which has been the method of payment since the inception of the home equity line. Spring EQ also neglected to transfer our property insurance information. At no time from the receipt of the letter until we called the new servicer have received any communication from XXXX XXXX XXXX. They said on the phone an introductory letter went out on XX/XX/XXXX, which is odd given that our new payment would be due XX/XX/XXXX with a grace period that was yet to be determined. Moreover, we hand no other payments options provided but a XXXX  XXXX from Spring EQ. Why if we were delinquent did we not get information sooner. XXXX XXXX XXXX said they received the file on XX/XX/XXXX. None of this makes any sense. It also does not conform with standard practices of transfer of loan servicing. Is Spring EQ having financial issues? They are not taking calls.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Credit Bureau Services Association (TX)

I contacted Credit Bureau Services A at the beginning of XX/XX/XXXX due a charge off still reflecting on my credit report from XXXX. The amount sent to them initially was incorrect. 

I attempted to dispute this with XXXX XXXX many years ago. I had the house professionally cleaned yet they still somehow found XXXX worth of damage which was incorrect. They tried to charge us XXXX plus keep our XXXX deposit thus indicating there was over XXXX worth of damage. Which we know there was was not XXXX worth of damage because I have pictures of a spotless house that I paid to have cleaned when we moved out! While I was attempting to resolve the issue with Credit Bureau Services XXXX  and come up with an solution I even offered to pay the amount. I was told there is nothing they can do and the phone call was intentionally disconnected by the representative on a recorded phone line while I was in mid sentence. I called back and attempted to speak with a supervisor and was told there was not one available and they would not talk to me. I was treated unprofessionally by the representatives. I believe their actions do not reflect good core ethics or morals. Please delete from my credit report immediately.
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-12
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.