davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Since XX/XX/XXXX, Portfolio Recovery Associates have relentlessly tried to collect erroneous debt from me. When they first reported the claim they said I owed them {$1100.00} now they claim I owe them {$1400.00}. PRA even reported to XXXX that I was 120 days late on XX/XX/XXXX and XX/XX/XXXX, destroying my credit scores and payment history. They even change the account numbers on my XXXX report vs the account numbers on my XXXX and XXXX with different payment amounts in an attempt to cause me confusion. <P/>Portfolio Recovery Associates are nasty deceitful Obstructionists of Federal Laws. I warn all American consumers to be aware of Portfolio Recovery Associates ILLEGAL CRIMINAL malpractices. PRA have caused me grave humiliation and loss of income in my attempts to obtain credit & loans to pursue profitable real estate transactions. My income losses range from $ 450,000- {$600000.00} this past year alone from their fraudulent credit reporting activity. PRA reporting efforts have also caused me stifling effects to my overall health. <P/>I have been disputing their claims for months and they retaliate by adding more fraudulent derogatory information on my credit reports. This is their way of War with unsuspecting American consumers. I have recently threatened them with a lawsuit alleging Defamation, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XX/XX/2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST 8 OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS EXPERIAN. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX XXXX INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED EXPERIAN AND XXXX ( HAD THE ISSUE PARTIALLY RESOLVED )
Consumer complaint received 2017-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from XXXX XXXX XXXX. One of these credit cards were accepted by XXXX XXXX for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, XXXX XXXX refused to discharge these cards and have sold the account to Portfolio Recovery Associates who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between XXXX XXXX and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (CA)

I have been trying to cancel my PMI for several months. My home has appreciated to the point where my LTV is now near or above 78 % requirement. I am willing to pay for appraisal. I've called customer service twice and been given a contact email address : XXXX which is an invalid address! I've used the " contact us '' form on the website and I've sent physical letter and received no response! Let me reappraise my home and cancel the PMI please. 

Archome loans, WEI mortgage, XXXX Archome loans ... all the same company as far as I can tell.
Consumer complaint received 2017-07-03
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: Experian Information Solutions Inc. (NC)

I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX  has been close d ( Paid and closed ) and should be removed from my report .  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )
Consumer complaint received 2017-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX    XXXX   has been closed  ( Paid and closed ) and should be removed fr om my report.  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( CLOSED )
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report..Remove the late payments on XXXX XXXX XXXX
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MI)

On Mon, XX/XX/2019, XXXX called me at XXXX XXXX they did not leave a message. Upon leaving work for the day I decided to call the number back in case it was business. It was a company collecting debt, who did not inform me who they were unless I identified myself, XXXX said she can't tell me who they are and its just a debt! I couldn't get any information but it was a debt, then she hurriedly said LJRoss, unless i verified my DOB I couldn't know anything else., I did and she then proceeded to say that I owed XXXX {$360.00} and how was I paying? I said I wasn't and that I needed some form of letter from XXXX to say I owe you. This is the second time ( this year ) someone has referenced this account without saying I had a right to dispute or even allowed to clear it with XXXX. So they have an account and asking for someone who NEVER has let me know a third party has the account, nor has the responding debt collector acted on me asking for verification to the debt by letter. This LJRoss has not sent me any information in the times I have told them to do so. I cant give you an account number or anything as I do not have anything related to this company.
Consumer complaint received 2019-12-13
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. (NH)

My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (MO)

On XX/XX/year> I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting late payment after late payment several times which is a violation of my consumer rights under 15 USC 1666 ( b ) and 15 USC 1637 ( a ) under the Truth in Lending Act. This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all XXXX credit bureause until they can give me a 1099C and removed this debt off my credit.
Consumer complaint received 2019-12-13
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. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX. I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.
Consumer complaint received 2024-09-23
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and EQUIFAX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$8100.00}
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

Recently, I had 2 Citi credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. Citi decided based on just XXXX, not all credit reports, to close all my Citi accounts. I have had credit cards with Citi for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at Citi and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. Citi then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with Citi. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( XXXX ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with Citi. My banking actions with Citi are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On the credit report provided by Equifax on XX/XX/XXXX at https : //my.equifax.com/membercenter/ # /credit/personal-information, my current address of XXXX XXXX XXXX, XXXX, NJ XXXX is incorrectly reported as " previous address ''. On the other hand, my previous address of XXXX XXXX XXXX, XXXX, NJ XXXX ( which my ex-husband and I sold in XX/XX/XXXX, following our divorce ), is incorrectly reported as " current address ''. 

While this seems to be a minor or insignificant issue, it concerns me because I've had been concerned about possible real estate fraud problem against my current property, which I bought in XXXX XXXX and have a deed recorded in XXXX XXXX, NJ. 

I tried to submit a dispute on Equifax website, however, the dispute center doesn't have the option to dispute or correct this kind of problem. 

I would appreciate if you can help address and resolve this issue for me. Thank you. 

XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX , NJ XXXX
Consumer complaint received 2019-03-14
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: CITIBANK, N.A. (MA)

I initially submitted a complaint months ago to XXXX Credit Reporting Disputes, which all disputes were sent certified mail, and they failed to help resolve my issue. Therefore, I ended up sending a dispute letter to XXXX Presidential to further help solve this issue, and I have yet to receive a response or have the charge-off removed from my credit report. The main issue is that I requested debt validation from XXXX Credit Reporting Disputes months ago, which is past the 30 day response requirement, and they failed to send me ANY documentation. The documentation XXXX said they were going to mail to me was my credit card account statements. XXXX  continues to report a charge-off in the amount of {$35.00} on all three of my credit reports and that balance is in INCORRECT because I paid my XXXX credit card off in 2015!!!!!!!!!

The certified mail letter I sent to XXXX Presidential is attached below.

If you need any further information, such as my personal information or account number, please let me know. I REALLY would like this solved as soon as possible considering it has been an ONGOING issue since 2015!!!!
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (NJ)

On XX/XX/2019, I received a call from Bay Area Credit Services. I had been working with them prior to this, to resolve a medical debt and currently have a payment plan set up with them lasting until XX/XX/2019. However, they called me at XXXX XXXX, with no explanation about what the call was about except insisting I had a payment due on the account. I demanded to speak with a manager, only to have him confirm it was the two accounts that were currently under the payment plan. I requested to keep to the payment plan I was currently under, as well as no calls before XXXX XXXX as I work nights. 

The next week, I received four more calls ( two on XX/XX/XXXX, two more on XX/XX/XXXX ). Adding to that, my husband has received three calls from the service as well, two on XX/XX/XXXX as well ( one around XXXX XXXX, and the second around XXXX XXXX ), as well as a call this morning at XXXX XXXX. 

The payment from the payment plan has gone through. There is no reason for us to be receiving these calls constantly, and I have no idea why they are harassing us so much so randomly. Adding to this, it looks like Bay Area Credit Service is known for scams, and I am worried they will fraudulently target my credit or harass me further, despite me paying the debt and trying to work with them as I can.
Consumer complaint received 2017-07-03
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. (VA)

I have contacted XXXX, about a unauthorized inquire showing up on MY XXXX and Trans Union credit report back inXX/XX/XXXX. I have reached out to XXXX several time from XX/XX/XXXX toXX/XX/XXXX with no resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind. <P/>I have been a victim of Identify theft twice within the past 10 yrs. I have contacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all 3 credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.
Consumer complaint received 2017-07-02
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: Experian Information Solutions Inc. (AZ)

Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX XXXX XXXX sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file
Consumer complaint received 2017-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Consulting Services, Inc. (CA)

Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/16 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. I have never had any medical reason to visit an XXXX XXXX -- no XXXX XXXX, no XXXX, etc. I have never received a prescription from this doctor office either. If so, they should provide a copy. My identity was stolen at that time, someone impersonated me and I want to clear my good name. There is no other explanation. Please make all efforts to remove this erroneous debt from this unscrupulous collector.
Consumer complaint received 2017-07-03
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. (CA)

Letters regarding inquiries found on my credit were submitted TransUnion on  XXXX , and   XXXX   on  XXXX . Transunion refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from  XXXX  nor an update.
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

This complaint is about LoanCare loan servicing. The mortgage holder, my mom, passed away in XXXX of 2018. I am the owner of the house through a beneficiary deed process. The mortgage servicing changed from XXXX to to XXXX to LoanCare. LoanCare, wont discuss the mortgage with me to make payments. I have made all payments as required on time. When I make bill pay payments, they apply extra money to the following month 's payment, and not towards principal balance reduction ; therefore, charging more interest on the mortgage. I am required to call in to make a payment in order to make a principal reduction, and when I call in to make a payment with principal reduction, they want to charge a {$15.00} service fee to make a phone payment when the payment is not late. I have no other way to make principal reduction payments without being charged to make the payment. This is unethical servicing, and billing practices.
Consumer complaint received 2017-07-03
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: EQUIFAX, INC. (CA)

Letters regarding inquiries found on my credit were submitted  XXXX  on  XXXX , and Equifax on  XXXX .  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from Equifax nor an update.