davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (NY)

i have received a call from a company by the name of XXXX . They initially called from XXXX on XX/XX/XXXX at XXXX. I called back to try and find out what the company was and why they were calling as i do not have any business with any companies called XXXX nor does this company sound familiar in any way. on XX/XX/XXXX told them i could not disclose my identity to them because i do not feel comfortable not knowing who they are calling on behalf of. They refused to disclose who they were calling on behalf of which they must do. I do not have to compromise my identity or ANY of my personal information to any company without knowing who the creditor is. I received a call from them again today from XXXX a rep answered the phone and again tried to trick me into identifying myself. I refused again and explained that i did not feel comfortable disclosing my identity until i knew who they were calling on behalf of which is outlined in FDCPA guidelines. The rep then transferred me to a supervisor, who was for lack of better word " XXXX '' and rude. She as a supervisor should know that before a client identifies themselves thy have the right to know the creditor. I explained to her that if she did not tell me who the creditor was i could not identify myself because there are far too many scams going on and i am not familiar with the business. She still refused and i then told her that i would make a complaint for the FDCPA violation she then hung the phone up on me because i refused to identify myself.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX sent letters to Experian via mail requesting a reinvestigation for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXXXX/XX/XXXX I received a response from Experian that the following account ( XXXX ) were verified XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I received a response from Experian that the following account ( s ) were verified XXXX XXXX XXXX XXXX On XX/XX/XXXX I received a response from Experian that the following account ( s ) were verified XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a response from Experian that the following account ( s ) were verified XXXX XXXXXXXX On XX/XX/XXXX I received a response from Experian that the following account ( s ) were verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXXXX/XX/XXXX I responded via mail formally requesting a description of the procedures the bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX I responded via mail formally requesting a description of the procedures the bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I wrote a letter requesting Experian to investigate and verify that all data for the following account ( s ) was reporting accurately including every notation date and balance whether reported or not : Account : XXXX XXXX  Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX  Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX On Thursday, XX/XX/XXXX at XXXX I received an email from Experian stating that my disputes does not appear to have been sent directly by me and that they have not taken any action on my alleged request. I sent each dispute myself from my home. I am not sure why they think I am a third party as I am trying to fix my own credit and I am trying to get these inaccuracies removed so that I am able to purchase a home.
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-06-09
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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.
Consumer complaint received 2023-02-24
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)

Requested account information to be investigated and came back that information was accurate and it was not. I included a copy of the payment history and the error was not removed. Requested a reinvestigation inaccurate information still remains. 

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX, XXXX XXXXXXXX XXXX  Account # XXXX The above have violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may  make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( XXXX ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (TN)

I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by SPRING OAKS CAPITAL. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. SPRING OAKS CAPITAL have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verifying SPRING OAKS CAPITAL can legally collect, and proof that SPRING OAKS CAPITAL is the current holder of the instrument. SPRING OAKS CAPITAL is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet SPRING OAKS CAPITAL is the company listed on my consumer credit report.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (NJ)

I got a letter in the mail for a Civil Action Information Subpoena, and I mailed back the questions they requested. On top of the letter it states that " Failure to Comply with this information subpoena may result in your arrest and incarceration '' It is for Discover Bank their attorney sent this letter. I called my Superior court to get information on this and spoke with someone there about it. They told me a Judgment has already been filed and i never submitted a answer to the court and they already entered it against me. I never got any letters from the attorney saying they were going to take legal action and I was never physically served any paper work or signed any certified letters. I never got anything saying I had a court date and never received a complaint or anything telling me to file a answer with the court. I would have filed an answer if I was sent the correct documents stating I needed to. They are saying they are going to garnish my wages. The account was charged off and I have not since heard or received anything regarding it. I also wanted documentation showing my agreement and that I owe this debt so I will be requesting a debt validation letter. Also it states that I owe {$2300.00} plus costs of which {$2500.00} together with interest from XX/XX/2018. I am unsure how I owe more money on debt that was charged off, and my account is closed. I was never notified of having to pay any Judgement and was never told there would be added interest.
Consumer complaint received 2021-03-29
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: Bridgecrest Acceptance Corporation (CA)

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to dispute multiple inquiries and an account on my TransUnion credit report that I believe to be fraudulent. These inquiries and the account have had a detrimental impact on my credit profile, and I am requesting a thorough investigation and prompt removal of these inaccuracies from my credit report. 
The details of the disputed inquiries and account are as follows : XXXX XXXXXXXX by XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX XXXX. Account with XXXX XXXX ( Account Number : XXXX ) I have no recollection of authorizing or applying for credit with XXXX  XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX on the specified dates. These inquiries and the XXXX XXXX account do not correspond to any legitimate credit applications or accounts initiated by me, and I have not entered into any credit relationships with these institutions during the indicated time frames. 

Given the fraudulent nature of these inquiries and the questionable account, I am deeply concerned about potential identity theft or unauthorized activity on my credit report. I have taken immediate measures to safeguard my personal information and have initiated a credit freeze with the major credit bureaus to prevent further unauthorized access. 

I kindly request a comprehensive investigation into these inquiries and the XXXX XXXX  account to determine their validity. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries and the account on my TransUnion credit report.

Furthermore, I urge TransUnion to take the necessary steps to expeditiously remove these fraudulent inquiries and the XXXX XXXX account from my credit report, as they are adversely affecting my creditworthiness and financial standing. It is essential to uphold the principles of the Fair Credit Reporting Act ( FCRA ), which mandate accurate and fair reporting, and these discrepancies do not align with those standards.

I kindly request that you keep me informed of the results of your investigation and any actions taken to address this dispute. If additional information or documentation is required from my end, please do not hesitate to reach out to me at XXXX.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have disputed multiple times and my request has been ignore. 

I request removal of innacurate or old address. 

I would like to enforce my right under the 15 U.S.C Code 1681 ( a ). 

I will attached proof that this has been disputed and sent thru certified mail.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (DC)

I have already paid off the debt for Total Visa Card ending in XXXX through XXXX XXXX XXXX debt collections. I have received and attached an email from them stating that the debt was paid in full with their reference number XXXX. Two additional debt collection companies, XXXX XXXX XXXX ( reference number XXXX ) is attempting to collect the debt for the same card ending in XXXX, as well as XXXX XXXX XXXX XXXX ( reference number XXXX ). I have realized that I have been paying XXXX for the same debt that was already paid off with XXXX XXXX XXXX. To date, I have paid XXXX XXXX XXXX XXXX {$330.00} in the amount of XXXX biweekly payments so far, as I did not realize this was the same debt that had already been paid to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX and XXXX via their online portals regarding validation of the debt and have not received a response from either of them.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (IL)

I had made a deposit to my investment bank checking and because it was fro an attorney and not a direct deposit they have to hold the check several days until it clears their bank. In the interim my payment I had sent to Heights Finance came through and did not clear. So I got notice of it from my bank and called Heights to tell them and the assistant said I would have to wait until it comes back to them to pay it as I was going to pay it by phone the same day. Several days later she called and said it had been returned but also informed me they only accept payments by check, no debit cards. I have never in my life heard of anyone only taking checks and I used to be an XXXX XXXX at that very location. I then asked to speak to the XXXX about it and she called me back on my lunch and said them at is the case, no other way to pay. I told her I would just pay it on their site again with a check than. I also told her it would be easier to just walk it in and asked if they have a location in XXXX where I work. She said yes they do and that they could take the payments for me there. I told her I just wanted to move the account to the XXXX location and she said they cant do that. I know they can because every loan company does so. I just moved my other loan I have to XXXX too. She just doesnt want to lose the account. She has already lost my future business anyway as she and her assistant were rude, they dont let you pay with debit card and I dont like checks because they deliberately send them through slowly to try to cause people fees, which they are now trying to gouge me for. It is bad enough they are charging me XXXX % interest when I have excellent credit but just dont use credit much and I work for the State of XXXX! I just told them I would pay the full amount when I got paid the XXXX and then they sent me a letter today harassing me about it again and this time threatening possible late fee and adding of course a {$25.00} NSF fee! I hate people like these always trying to take all they can get from people. I am paying the loan off in a couple of payments and never going there again. I just looked online and their reviews are horrible they are not like they used to be XXXX yrs ago when I worked for them. I tried calling the XXXX number which is suppose to be their corporate office and the phone rings then goes dead. I have a right to have my loan moved wherever I please and I want it moved to XXXX XXXX. I also want to know why this company is only allowing payment by check unless they are doing so for fee income off of NSFs.!!
Consumer complaint received 2021-04-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

I'AM A 100 % XXXX VETERAN WHO HAS MY HOME LOAN SERVICED VIA THIS CORRUPT THIRD WORLD COMPANY CALLED BSI, I AM PAYING OFF THE LOAN AND GOING TO A HONEST AND ETHICAL XXXX XXXX AND BSI CONTINUES TO LIE, CHEAT AND COMMIT PERJURY ALONG WITH MONEY LAUNDERING AND TAX EVASION AND FRAUD
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

national credit system XX/XX/2019 XXXX I have tried several times in asking for your help with a debt that does not belong to and also provide information that this debt is not mines know you need me know choice but to file a law suit which i will be asking the CFPB to come to court and testify once again the account is not mines the company have yet to show proof I file a complaint with FTC along with identity fraud report and telling me to file again so national credit system can do their investigation they do not even sound right i have enclose some documents along with this complaint
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (OR)

In accordance with the Fair Credit Reporting FRIST Premier 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 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 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.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.
Consumer complaint received 2021-04-22
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: Professional Recovery Management (TN)

I sent a debt validation letter to this company in regards to a debt being report on my credit report. The company failed to validate the debt instead they sent a list of my medical records, I know this is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to obtain and or access this information.