davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Per my last complaint against PORTFOLIO RECOVERY ASSOCIATES LLC that was closed unresolved, I am a federally protected consumer currently being harassed by PORTFOLIO RECOVERY ASSOCIATES LLC. I have already sent off a cease and desist in addition to a debt validation request to which both have failed to be properly honored. 

PORTFOLIO RECOVERY ASSOCIATES LLC has admitted to the CFPB that they purchased MY personal information ( which has a lawful copyright attached to it and held in a private trust ) from a company for the sole purpose of extorting me as a consumer and committing mail fraud. This is illegal and unlawful under federal law. Because of this, proper documentary evidence of the original contract between myself as a consumer and PORTFOLIO RECOVERY ASSOCIATES LLC can never be properly provided because it does not exist. ( Reference 18 U.S. Code Chapter 96 : XXXX XXXX AND CORRUPT ORGANIZATIONS ) If my consumer request to remove all defaming and negative remarks off of all of my personal consumer reports is denied, I will be seeking relief via litigation. A process which could lead to several hundred thousands of dollars for all damages as well as criminal penalties against the members of this corporation. 

I will also be reporting this company to the Attorney General of Virginia to make them aware of their deceptive business practices. 

I am a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This is not my debt. I do not claim this debt. 


Attended XXXX  in 2016 using VA benefits via the XXXX XXXX 
The VA has an accurate record of payment to XXXX for the time attended. 

XXXX sent erroneous data to Maryland XXXX XXXX XXXX which ultimately showed on my credit report as the following : - {$2500.00} reported on XX/XX/2016 - {$2700.00} reported on XXXX/2016 XXXX sends accounts to MD  XXXX after a 3 month delinquency. Someone can not obtain this amount of debt against them 4 months apart when a student obviously can not sign up for more classes in a delinquent/collections status. 


Additionally, {$320.00} seems to have been withheld from me via XXXX because MD XXXX has filed a garnishment against me through the Treasury Department 's Offset Program. 
I received *no* mail correspondence from MD  XXXX prior to this action being taken against me. 


XXXX and MD  XXXX did not reach out or respond to any attempts to correct the incorrect data on my credit report after the data was disputed multiple times. 
XXXX received their payment in full and in a timely manner from the VA for services rendered. Nothing should be filed against me at this time. 


I do not owe MD XXXX any amount stated above. This is not my debt. I do not claim this debt.
Consumer complaint received 2021-09-14
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. (GA)

XXXX XXXX car dealership ran my credit without my permission on XX/XX/XXXX & XX/XX/2021. Ive been in contact with the dealership and financial companies with no results. I need these inquiries off my credit fast. Equifax is the only bureau that wont remove from my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ME)

Rushmore Loan Management closed and services my refinance through XXXX XXXX XXXX. They were XXXX days delinquent in filing the previous loan closure and by XXXX state law required to pay me penalties. They did not pay full penalties and further delayed not only the filing of title and loan closure, but also caused delays in my HELOC application as a result.
Consumer complaint received 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-30
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. (GA)

On the date XX/XX/2022 I submitted a Dispute to XXXX, & Experian concerning information being published on my credit report. Unfortunately they have yet to correct my credit report and as a result my financial life is being dramatically affected.

In accordance with the Fair Credit reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX XXXX XXXX XXXX has violated my my rights. 

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or a time, or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-08-28
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. (LA)

I have a right to privacy and i never have XXXX XXXX permission to furnish a report on me. 
15 U.S. Code 1681 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.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-03-16
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)

I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant anxiety attacks. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.XXXX XXXX stole my identity and shared my private information with these CRA 's. Transunion is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX, a federally protected consumer recently checked my credit report and notice some unauthorized inquires on my credit report. Please delete immediately XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I received a 12 month deferment on my XXXX XXXX mortgage payments due to covid. I made all payments before and after that covid deferral. I started payments XX/XX/XXXX. In XX/XX/XXXX, Wells Fargo called me and said I had to pay in full those 12 payments totaling {$18000.00}. I said I wanted to pay at the end of the loan or when I sell my house. They said I had to pay it all now. I asked to speak to a supervisor. I was placed on hold for a brief time, then told someone would call me back. I confirmed my number, but no one called me back. I received an email from Wells Fargo and was told deferred payments go to the end of the loan. 
I received another call in XX/XX/XXXX telling me I had to pay the deferral in full. I told them I did not and told them to stop calling me. 
I received another call on XX/XX/XXXX, again telling me I had to pay the deferral. I told them they were required to stop and I was reporting them.
Consumer complaint received 2022-03-16
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. (MS)

I have attempted to fax my attachment to you several times but obviously my fax number is blocked. I have attached request to update my personal information and remove any personal information that does not belong to me from my report.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brown’s New Credit Bureau Inc. (AZ)

I received a letter again from Browns Collection in regards the following accounts, I have written Browns Collection various amount of times in regards these accounts asking them for verification of accounts I have requested what type of service was given to me and asked them no to violate my rights based of XXXX XXXX and FAIR CREDIT REPORTING ACT I have not receive a response in over XXXX days and now they are sending threats that they would send to an attorney and damage my credit XXXX {$3100.00} XXXX {$510.00} XXXX {$510.00} XXXX {$730.00} XXXX {$58.00} XXXX {$79.00}
Consumer complaint received 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (KY)

I purchased a XXXX XXXX XXXX on XX/XX/2021. The dealership ( XXXX XXXX XXXX XXXX, KY ) offered me a {$500.00} sticker price reduction if I secured a {$10000.00} loan from Hyundai Motor Finance XXXX I received approval for the loan. 

I received a letter from Hyundai Motor Finance on XX/XX/2021, stating their records show the retail installment contract is paid in full. The original title certificate and XXXX release was enclosed. The letter instructed me to take the documents to my state 's motor vehicle division and apply for a new title certificate. 

I took the documents to the XXXX XXXX XXXX in XXXX XXXX Kentucky. The clerk told me Hyundai Finance sent me a XXXX release document with the incorrect file number and the incorrect file date. 

I have documented XXXX calls to Hyundai Finance on XX/XX/XXXX, XX/XX/XXXX of 2021, and on XX/XX/XXXX and XX/XX/XXXX. My notes include the name of the person I talked with as well as reference numbers for XXXX of the calls. I gave the correct file number and date to the customer service representatives but I have not received the corrected XXXX release document. 

I also contacted the dealership. My sales rep has been very helpful but his outreach to XXXX has not been successful. 

What are my options for receiving the correct XXXX release? I have waited for XXXX months.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I'm having issue with my account being incorrect which I'm being penalized I can not get the proper loan that I'm looking for or try to get a house due to the fact that they had the wrong information the wrong address on my account I'm having inquiry that I never authorized so that's stopping me from getting things done that I need to get done on my personal life I'm paying extra money to try to get stuff done that does not belong to me and I've been trying time after time to get all that clear off and it's still not going anywhere
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION ()

Filed complaint on XX/XX/XXXX about not being able to access funds for an international transfer. Following up : gave them all ( and more info ) Navy Federal Credit Union requested. Pieced together from various customer sevice reps who appear to have no set rules nor scripts to read for a person asking to transfer money. 

Latest : Sent all the info they asked for. Even went online to find a form that someone used that has navy federal logo. Filled that out. 
Sent an email with info requested via email. No response. 
then went to app messages. Sent the same email via pdf and multiple " security check info ''. Again no response. 

Called : somehow transferred to a rep who had no idea what i was talking about and then XXXX oh that's another department when gave her the cc_resolution navy federal email handle. 

On hold, no checking in. Until the shift/office closed and was told : I can not hear you I am disconnecting the call. 

Consider the latest NFCU news : Will not go into that but a XXXX search gives multiple lawsuit actions. 

Why am I not able to access my funds in a reasonable amount of time? 
Why no form on your app or on your website? 
Why multiple conflicting answers from your telephone reps? 
What is with the wait for 30 minutes tactics/ Why am I not able to transfer money out of Navy federal on the same day? this is purely stalling ... and who wins? NFCU Audio recordings of calls, notes, etc. made. Not to be shared right now
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

I have a debt collection report to my credit report that I do not authorize I would like to get it remove from all 3 credit bureaus immediately it do not belong to me Agency name : CONSUMER ADJUSTMENT CO Amount : {$1100.00} Account Info Account number XXXX Contact & address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-24
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied withthe FairCredit Reporting Act law and continued to report inaccurate information on mycredit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.