davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery Associates continue to contact me every time they see a number change on my records. I am contuing to receive letters from Portfolio Recovery Associates to make a payment along with the letter it ays Due to the age of this debt, we will not sue you for it or report payment or non -payment of it to credit bureau. 
I was threaten by an associate name XXXX that she will go into my bank account. Portfolio Continue to harass me so much in calls til I started getting chest pains and shortness of breath. Portfolio Associates will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to portfolio Recovery the associates lie about when they purchase the collection. Portfolio Recovery has been harassing me for over 8 years Portfoli Recovery contacted harasssng me as of now. Porfolio Reovery is not listed on my credit reports But I am still receiving data that Portfolio Recovery is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CO)

I was asked by the cashier at XXXX if I wanted to apply for a card and get XXXX % off of my purchase, said no I have a card, he said that does not matter so I said go ahead then. 3 or 4 months later I applied for a loan and was declined because I had not paid XXXX in 3 months. 
I contacted XXXX they supposedly sent a bill and it was returned. They did this 3 times? They have my phone number, should't you make a phone call to see what was wrong? 
After my last conversation with XXXX I was told they would file papers stating I was disputing this claim. I have not heard back from them yet nor have I received the credit card or a statement since I started this futile search 3 weeks ago. I had credit scores in the XXXX or so range now I am at XXXX and can not get a loan. I pay out several thousand a month in bills when statements arrive. Why would I not pay a {$75.00} bill to XXXX? 
I could be out of business because of this and do not know where to turn next. 
Thank You
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry. Tax Lien XXXX Verify and corroborate the information filed in the status, date filed and plaintiff. It seems incorrect and it could be harming my credit worthiness, please correct this or else have it removed from my report XXXX XXXX XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company. UNKNOWN XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. 
I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I requested Equifax to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Equifax of the Fraud, Equifax responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the XXXX XXXX which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} Charge off + {$19000.00} Balance which is a total of {$51000.00}. I never owed that much money! Not even close!!! I did find out that XXXX and XXXX XXXX are XXXX of Equifax 's biggest customers and have learned through similar law suits that Equifax " Favors '' it's largest, highest paying clients in dispute matters. Equifax has allowed this Fraud to continue for over XXXX  months now. CFPB, you will see that this is a Fraudulent act, committed by Equifax to make sure it keeps it's highest paying customers happy. After Equifax allows criminals to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Equifax continues to allow criminal acts of Fraud after we have provided AMPLE amounts of proof to Equifax. The next question I have will show the Fraud by Equifax and what I would like the CFPB and Equifax to address ... *****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX XXXX I only owed {$32000.00} ( Attached ), *****Why is CARMAX collecting {$51000.00}??? ********* They have a XXXX of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! CFPB needs to get involved and penalize Equifax for allowing false entries for it's favorite customers. This is my XXXX dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported 100 % Correctly. After XXXX  months of Fraud I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Equifax Account, or face prosecution for damages to my credit history. XXXX has already removed from my report and reported the fraud. Equifax is committing fraud to please its paying customers REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? XXXX OBEY THE LAW! REMOVE IT, NOW!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I enrolled in Equifax credit monitoring program XX/XX/2016 .However, I was dissatisfied with the product and cancelled it the same day. On that day last friday XXXX, my credit score was XXXX.I check ed my score on sSaturday XX/XX/2016, my score had changed /dropped by XXXX points. I called Equifax on XX/XX/2016 and spoke to XXXX representatives and a supervisor name XXXX. XXXX rep told me they were having technical issues with their systems that lowered the score by mistake. XXXX the other rep could n't give me an explaination and neither could the supervisor. Nothing has changed on my report to impact my score. Can someone please assist me in reinstating my score. 
XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-04-10
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

This is our 2nd complaint. We thought we were working with Wells Fargo to resolve this issue when all of a sudden we have been told they were foreclosing on us. Our biggest frustration with Wells Fargo is how long it takes for them to communicate anything. We get them the documentation they ask for the day they ask for it and then weeks later we are told they received it. We know this is not true. They tell us they will call us on a certain date to discuss our situation and then when they call they tell us they are still researching. They delay things for weeks and months at a time until it 's too late to do anything according to them. They are now telling me I do n't make enough money to qualify for my payment ... this is not true. As of XXXX/XXXX/16, my year to date income was {$17000.00} from my job ... .my VA XXXX is another {$490.00} a month ; my liabilities ( besides my house payment ) are only {$730.00} monthly ; my house payment is approximately {$1800.00}. Everything else has been paid off. 
If they would do things in a timely manner, all of this could have been settled months ago. Instead they have now started foreclosures proceedings. We do not want to lose our home. Please help us.
Consumer complaint received 2016-04-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: OpenRoad Lending (CA)

I performed the initial steps to see loan refinance options with " Open Road Lending. '' They presented themselves as a middle man of sorts. They would find the best banks and then they would pass along the information. I received a call from one of their representatives stating that they could only talk on the phone. I called the customer representative and gave him the information. I informed him that my only income comes from a XXXX pension. He said, " you 're XXXX? '' I answered yes and said I was on this retirement for 5 years. He questioned how I can be XXXX and have been XXXX when I was XXXX. He then said " this is a problem, the banks wont like it. '' He promised a return call. All I received was an automated email. I wrote a certified letter to the company, asking for the removal of the inquiries. They sent back an official denial letter, stating that they are a dealership, not what they advertised. I submitted a review online to XXXX XXXX, and they responded by saying that they are not a dealership. This is definitely something that a layman would not have picked up, and is deceptive. Their comments regarding my XXXX were borderline harassment, and were discriminatory in nature. The banks that they did send it to were some credit unions in Texas, the same state that " Open Road Lending '' operates.
Consumer complaint received 2024-11-22
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2016-04-11
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (TX)

After an initial complaint regarding an unauthorized transaction on my son 's family XXXX card that created a negative balance which was rolled into my account, AmEx issued a " provisional credit '' pending the outcome of their investigation. Their letter dated XXXX/XXXX/2016 stated if their investigation found in favor of the vendor, the credit would be reversed - which it was on XXXX/XXXX/2016 - leaving a new negative balance, I believe AmEx only issued the credit to stop the CFPB and XXXX response clocks. Since there was noresolution, this is a new clock and now includes the FBI XXXX XXXX XXXX. 

AmEx wants me to make a deposit to remedy the negative balance ; but the vendor ( XXXX XXXX ) that AmEx claims they found in favor of has no record of the transaction. How is it possible I can be held liable for a transaction I did not initiate and the vendor has no record of receiving? A subsequent conversation with the vendor, their card processor ( XXXX ) and AmEx resulted in the same run-around tactics I 've dealt with since my original call to AmEx. I do n't owe them money, but they have debited {$980.00} from my account ( {$490.00} X XXXX ) Please help me get to the bottom of this.
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverview Law Office, PLLC (MN)

I received a collection notice from Riverview Law Office stating that I was overpaid by my former employer ( XXXX XXXX XXXX ) by {$13000.00}. I am unsure if this is a lawyer representing XXXX or if they are a collection agency that XXXX sold this misinformation to. 

Reading their letters, it seems they are being intentional about trying to blur if they are a lawyer representing XXXX or a collection agency. 

To gain clarity on who and what I was dealing with, I sent them a certified letter disputing the alleged debt, asking for proof of this alleged debt, and verify that they were licensed to collect debt since I could n't find them online. 

I attached the letter but here is what I asked for- -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a copy of judgment stating I am responsible for this amount ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

Riverview Law Office sent a letter the next day with an Excel spreadsheet I could barly read that only listed XXXX claiming overpayment of {$13000.00} and no actual information on how the amount was calculated or what pay periods were that I was overpaid. Riverview Law Office, PLLC did not include any information on them being licensed to collect in MN and no license number. 

Both letters they have sent warn me to get an attorney. 

There is no documentation or order stating I do owe XXXX {$13000.00}. 

They also did not provide the requested license information so for all I know, they are not collecting for fairview and this is all a sham.
Consumer complaint received 2016-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OH)

My complaint is about AES. They have continuously refused to take my husbands name off of this loan and have ruined his credit. He sent them forms last year saying that he did n't co-sign on this loan. I 'm XXXX and am not working right now. I wo n't be able to work for the foreseeable future, and still need several surgeries. I 've called and written them numerous times about working with me on an affordable payment. They lowered my payment to XXXX, then suddenly doubled it for no reason. Now they refuse to work with me at all. They have n't sent me a bill since XX/XX/XXXX, and are now saying I 'm over 60 days late. I thought they discharged my loan due to my XXXX. I have no idea why they wo n't work with me or discharge this loan. My other student loans were discharged due to my XXXX. I ca n't afford to make these payments since I do n't have an income. I do n't even recall taking out this loan, and would like proof that I actually applied for this loan.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$XXXX} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (NY)

In XXXX XXXX my house was damaged by super storm XXXX. We received some funds from XXXX and through our flood policy however had to come out of pocket with a lot of funds as well. Inbmarch XXXX I received notice from XXXX that they were auditing all of the NY claims as they realized they had under estimated on the funds they paid out and had shorted home owners. I immediately filed for a review of my file. ThXXXXe determined that yes I was shorted and this XXXX issued a check for $ XXXX. Because I XXXX mortgage the XXXX was made out to myself and the mortgage XXXX servicing. I have contacted XXXX, specifically XXXX Frye, multiple times. He will no longer call me back. I had requested how I can get the check endorsed. there was no additional work done to my house and based on their track record of handling my mortgage servicing thus far ( you can see I have multiple complaints for basic servicing items ) I do not XXXX for just blindly send the check in without some assurance that they know what to do with it, endorse it and send it back to me. My husband and I laid out a lot of money out of pocket to fix out house and this will help, to replenish the savings we had to pay due to XXXX shorting us.