davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I previously disputed XXXX accounts to the equifax in XXXX, that was listed under this same company who has changed their name of XXXX and now calling themselves XXXX as a way to keep a debt that was closed in XXXX and discharged XX/XX/XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX, Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX aka XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the Equifax credit reporting agency and affiliates are still showing this as a collection on my credit.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Shellpoint Partners, LLC (TN)

you are engaging in identity theft, and you are engaged in illegal debt collection action, both actions have been reported to the federal government, the federal trade commission and CFPB, and you are to cease and desist, terminate any and all collection actions and transferring to third parties anything that is my personal information, further. Until you contact me with the proper sworn information or contact the government regarding the pending cases. You are in violation of federal, criminal and civil law, so act accordingly. Please reference that a new updated deed has been recorded, do not interfere with any property rights further.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MD)

In reading my XX/XX/XXXX credit report, I saw that Enhanced Recovery Corp has filed a collection report with XXXX, claiming I owe {$47.00} for a Cable or Cellular creditor. Enhanced Recovery Corp has never contacted me, nor have they sent a written validation notice of this alleged debt. I have no knowledge of this collection. I disputed this collection with XXXX onXX/XX/XXXX.
Consumer complaint received 2017-07-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (WV)

I was told over a month ago that my appraisal was going to be arriving on XX/XX/XXXX. The morning of XX/XX/XXXX, I texted the mortgage company contact, XXXX XXXX at Prime Lending, XXXX, WV. She said, it will be in by end of week, I sent long email response and said I was told XX/XX/XXXX, I think six weeks is long enough on an appraisal. I said I will start filling out online reviews of your company about process. Filled XXXX online consumer reviews of company that night. I received email next day about complaint from compliance manager XXXX, TX, XXXX XXXX. She later called me and said, " Our appraisal team is on it and appraisal will be uploaded first thing in morning. Email message at XXXX, no appraisal yet. She replied, " no they are third parties and they are out of our control. '' Yet I had to have paperwork in by end of the day Friday, yet I sent it Thursday morning. My problem lies with first of all I thought 6 weeks was little long but they claimed factors are involved busy time of year, then I get end of week, then I get tomorrow morning and now it is weekend, who really knows. They have n't told the same story and I feel like I am being pulled along. I paid {$650.00} for appraisal when I was sent email link to pay for it. The lies must stop and produce what is expected. CONTACT Information- XXXX XXXX XXXX direct line XXXX, XXXX XXXX XXXX , XXXX , WV XXXX, XXXXXXXXXXXX, loan officer support/ renovation liaison ; XXXX XXXX , XXXX XXXX XXXX , XXXX, WV XXXX XXXXXXXXXXXX, office- XXXX, cell XXXX ; XXXX XXXX- compliance manager , XXXXXXXXXXXX email, direct line - XXXX, XXXX XXXX XXXX # XXXX, XXXX , Texas XXXX
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (NV)

I traded my VW Beetle in for a VW Passet on XX/XX/XXXX. XXXX told me that they would pay the last two remaining payments on the VW Beetle. I received a bill in XX/XX/XXXX for the VW Beetle. I called VW Credit and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from VW Credit in XX/XX/XXXX. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called VW Credit. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that VW Credit did in fact report a late payment for XX/XX/XXXX and XX/XX/XXXX to XXXX as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XX/XX/XXXX ) they cut me a check, in which I turned around and paid VW Credit that very minute. I called VW Credit three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from VW Credit on XX/XX/XXXX stating they would do so. My credit report still shows the two lates payments for XXXX and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the VW Beetle on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
Consumer complaint received 2017-07-08
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

I leased a XXXX Toyota Rav4. I had to pay my first lease payment when I leased the vehicle. Toyota Financial is stating they are reporting all payments to all major credit bureaus. When I got my annual  credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with Toyota Financial Services, who  sent me a history report that shows a first payment was made of {$320.00}. In XX/XX/XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with XXXX. I received my XXXX  Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe Toyota Financial more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to Toyota Financial Services on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
Consumer complaint received 2017-07-08
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. (FL)

I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked  XXXX ,  XXXX  and Equifax to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected my credit score and ability to obtain a home mortgage.
Consumer complaint received 2017-07-08
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. (FL)

I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked Transunion,  XXXX  and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected  my credit score and a bility to obtain a home mortgage.
Consumer complaint received 2017-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2017-01-29
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Credit Service, Inc. (TX)

I keep getting calls and letters attempting to collect a debt that has been time-barred since XX/XX/XXXX. This has happened several times since XX/XX/XXXX. The latest attempt was XX/XX/XXXX by ARA , Inc. I incurred this debt when I was professionally employed as a software engineer. I lost my last job in that profession XX/XX/XXXX, which is the same month I made the last payment on this account. In the time after this, I was homeless for 3 years and when I was finally able to get work it was 25 % of the income I had XX/XX/XXXX. My computer skill set is now obsolete and I am also now XXXX years old. This debt keeps popping up occasionally and I am tired of telling one collection agency after another that this debt is time-barred. They just sell it to the next one.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2016-04-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (WI)

The company offering the Loan is LoanME inc. I entered into an agreement with them XX/XX/XXXX, after making a payment in XX/XX/XXXX I was unable to pay for the payment in XX/XX/XXXX due to losing client business. I restructured the loan in XX/XX/XXXX to lower payments and entered new terms. The company continues to report on the old terms to XXXX but had marked payment in XXXX XXXX and In XXXX XXXX as current. 

I unfortunately missed another payment XX/XX/XXXX, and had to renegotiate the terms again ( this company offers interest rate over 100 % for life of your loan and much higher if you take loan to term ). 

When I missed the XX/XX/XXXX payment, the company advised me that they were now going to reverse the " current payments '' XX/XX/XXXX and XXXX XXXX as missed. They suggested they are allowed to do this bases on there legal contract. The company now has marked my credit 30 days late in XX/XX/XXXX, 30 days late in XX/XX/XXXX even though I made the agreed upon payment, 60 days late in XX/XX/XXXX even though I made they agreed upon payment, and 90 days late in XX/XX/XXXX. ( payment was only 30 days late ) The company practices extremely deceitful and unfair credit reporting on XXXX and takes away your on time payments even though I paid them on time on there new agreed upon terms. This company should not be allowed to report to a credit bureau and is not looking out for the best interest of the consumer and practices unfair and deceitful credit reporting.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OR)

XXXX the branch manager from one main financial in XXXX Oregon spoke to me and belittle about the debt I owe to them. I try to talk to him and negotiate a payment where I can afford it but all he kept saying in a very rude mean tone of voice was " you think {$50.00} is good enough a month for a {$9500.00} debt ''. Then he kept saying if I do not pay the minimum payment he threaten to garnish my wages. His exact words again in a very mean rude tone of voice he said to me " do I want XXXX % garnish from my gross wages or would I rather pay {$260.00} or however much it was. XXXX at that branch is so rude. I work with the public and there is no such way I would ever talk to the public that way or make them feel bad. Not only XXXX was flat out rude. But he does not have the public skills to deal with the public and he made me feel bad every time I talked to him. He has called me every week and I do not like talking to him at all because of how he treat me and made me feel. He makes you feel bad for borrowing a loan from the company but yet he acts like it is his own money. I have dealt with a few financial agencies and by far XXXX from one main financial is the worse debt XXXX. The way XXXX talk to me and the way he treated me is not acceptable.. Yes I know I owe I debt but I feel he does not have the right to be very rude and talk down at me. He refused to work with me on making a payment where I can afford. Yet he offer to run my credit to see if I can refinance a loan and it was pointless. One main financial offers to refinance my current loan when they know very well I would be denied. They do not try to work with you.
Consumer complaint received 2017-07-08
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. (NY)

I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified.
Consumer complaint received 2024-08-09
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. (NM)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. XXXX XXXX XXXX
Consumer complaint received 2017-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

I am currently being sued by LVNV Funding. I received a summons on XXXX XXXX, 2017 stating that I owed {$1200.00} and should appear in court on XXXX XXXX, XXXX. I immediately called the attorney 's office representing the case ( XXXX XXXX XXXX ), stating that I had no knowledge of this account therefore, I am disputing it. I let them know that I was willing to reach a reasonable settlement if they could send me proof that I owe the debt and if they could prove that they have the authority to collect. I was told that they would investigate and get back to me. I never heard from them. I appeared in court, the case was continued, still no verification. I appeared again and a trial date was set, still no verification. Three months after my initial request, at XX/XX/XXXX, I finally received copies of statements and an incomplete assignment contract ( a one-page document stating that my account was part of a group purchase " Exhibit A '' ). On XXXX XXXX, 2017, I sent, via certified mail, a request for a copy of the complete assignment contract stating specifically the owed amount, that my specific account was sold to LVNV and that they had the authority to collect those funds. After several attempts to obtain the required information, I still do not have the requested information. I have also made several attempts to settle the account even though I do n't agree with the amount that they say I owe and I do n't have proper verification. Each time I called XXXX XXXX XXXX, the attorney 's office added on additional fees to the initial amount they said I owed. One of their reps said that I would need to add on {$170.00}. Another rep stated that I needed to add on an additional {$300.00} to the initial amount of {$1200.00} they said I owe and pay that before the case can be dismissed. I believe that LVNV has violated the FDCPA by ( 1 ) asking me to pay more than supposedly owed, ( 2 ) failing to send written debt validation notice, ( 3 ) failing to send proper verification of debt, and ( 4 ) continuing to collect on a debt before providing verification. They should not be allowed to conduct  business in this manner.
Consumer complaint received 2016-04-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (ME)

I bought a double wide trailer in a park and got financing from XXXX in XXXX. It has a very high interest rate of 14.9 %. I am try to refinance before it gets 15 years old because I can not get financing with credit union after that. I am pre approved for financing or to buy another home. The problem is XXXX now Ditech has XXXX XXXX liens on the property XXXX. The new lender has asked at least 3 times for them to release the first lean, I have also called several times on this. We keep getting same answer, they will terminate the lien once they receive payment in full. The new lender or any other bank will not give Ditech any money while they have XXXX liens on the home. The first one should have been terminated. Therefore, they are preventing me from refinancing or selling the home. 
This has been going on since XXXX XXXX, XXXX. I want to do a payoff but they will not terminate XXXX of the XXXX filings XXXX. Clearly you can see on these XXXX 's that the secured parties on XXXX are XXXX. I should only have XXXX lien. I need to get out of this loan because it is a simple interest loan and I owe more for the house now than I did when I bought it.
Consumer complaint received 2016-06-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (FL)

I did n't know I had this debt until I saw it on a credit report that I pulled. Even on the credit report it does n't indicate who the original creditor is. When I checked on the State of Florida XXXX of Regulation website ( XXXX ), this company, Jefferson Capital LLC does not have a license to collect my alleged debt or any other debt for that matter due to the fact that it does not have a license to do so.