davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I sent a certified letter to TransUnion on XX/XX/XXXX where I asked for proof to be provided that I consented to inquiries on my credit report as well as the accuracy of these inquiries. I also asked that if no proof could be provided that these items be removed immediately from my credit report. No proof has been provided and these items have not been removed as requested. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX   Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX   Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Consumer complaint received 2018-06-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (CA)

First of all, this company has never contacted me regarding this debt that they purchased. Theyve been reporting on my XXXX report for 10 months now. Had they contacted me, I would have explained that Im on XXXX and they cant collect my benefits. I also wonder how they can force me to pay an amount they never paid themselves. Unfortunately, they will not be able to collect on this debt. I also don't understand why payday loan companies get away with charging exorbitant interest rates to create hardships for people.
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

12 years ago we had acredit card debt with chase and when the rate increased we couldnt afford monthly payment.XXXX sold the debt to mcm and XX/XX/XXXX file judgement against us. On XX/XX/XXXX on bank accounts were frozen with no warning the debt was for XXXX XXXX XXXX XXXX put holds of {$22000.00} and XXXX we had a balance of XXXX. In the account. Have been to XXXX XXXX XXXX to have them Pay the debt mcm said that they will not take more than what we owe. Another trip to XXXX now says sent {$8200.00} to release our account. We had no way to get money. XXXX will not explain why they sent XXXX more than what we owe. We have received no breakdown of funds they just took our extra money. Very sad that a bank will take extra money with no explanation. No way to get medecine and mcm said the bank could keep this frozen for 4 months.This money was for a funeral for my brother in law XX/XX/XXXX. Now mcm is threatening more accounts that we have not received any documentation for. Is this how XXXX and mcm treats s sr citizen. We would appreciate the help. These are unsecured debt from over 10 years ago. Thank you
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Colony Brands, Inc. (TX)

I have been calling XXXX Since XX/XX/2017. I have waited for them to credit my account since they have been informing me that they will. I have yet to see the credit that would result in a refund. The company also indicated that establishing payment with them would be reported to the credit agencies. I have not seen a report or have seen my refund that would result in a credit or credit that would result in a refund. I keep getting transferred to the incorrect department that tells me that I should take it up with the postal department and stop calling them. Will someone please assist me these are unfair and deceptive business practices. These and other external factors have caused lack of sleep stimulated my flare ups and I have a XXXX.
Consumer complaint received 2018-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I have been paying on two student loans serviced through Navient and have had issues concerning payment processing. I have been informed recently from one Representative that I was pass due on a Navient loan sense XX/XX/XXXXfor {$110.00} but over paid on Navient Department of Education. I told the Rep that I have receipts to show that I have been paying and they needed to explain why payments were not posted. I continued to mail my payments in and made another call to speak with a different Rep XXXX on or about XX/XX/XXXX she pulled my account up and stated that I was pass due for {$360.00} I was frustrated because I didn't get a concrete answer from previous and then being told that I now owe a different amount. I have been paying these loans for at least 10 years and don't seem to have put a dent in the total but being told that I owe more is unsettling.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

A personal credit card was opened in my name by PayPal Credit. 
They would not provide me with the fraudulent account information used by the criminal or a letter stating the account had been closed. 
The person who name was XXXX in their customer security operations was condescending when I explained I had two contradictory letters from them and wanted a letter stating the account was closed and that I wanted all the information used by this criminal. He stated I send them more personal information in the mail to prove that I am me, plus another copy of the Fair Trade Commission report even though they stated in a letter on XX/XX/2018 that they had received it. because I am asking them to do two different things. Plus, that all they were going to do is send me m name, SS and address since that is all that is needed to open an account with their company. 
This means that they did not use email, a phone number or address to confirm the person was me, but they want my driver 's license and social security card to go through the US mail to get the information corrected. ( They already have this information on my business account too. ) The young man XXXX would talk over me and play word games. Very disrespectful and not my experience with the other bank card companies that had opened accounts in my name not the ones who actually verified my information and would not open an account in my name for the criminal.. 
At this point I am not sure that they will close the account or provide all the information used by the criminal. Very disappointing to find that PayPal protects the criminal and does not protect their customers. 
FYI : XXXX fraud department is exceptional.
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brock & Scott, PLLC (NC)

On XX/XX/2018 I hired a credit consultant to handle this for my behalf. My credit consultant has been trying to reach them since XX/XX/2018 regarding this XXXX XXXX XXXX judgement. They never reached back to her in order to try to resolve this matter. I am concerned that they are not professional in the services they provide. I would like an investigation regarding this attorney 's office. I would like for them to contact XXXX XXXX at XXXX in order to discuss options in resolving this debt.
Consumer complaint received 2018-07-08
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: Experian Information Solutions Inc. (TX)

I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is XXXX due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX.

I have also disputed with XXXX   XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with Experian XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018.

I have called XXXX XXXX  several times and they keep telling me they sent the information over to 3 credit bureaus.

This item XXXX XXXX  is inaccurate or because I have made all on time monthly payments from XX/XX/2018 through XX/XX/2018. I am requesting that the item be removed because you XXXX has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you XXXX  and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXX XXXX is indicating you XXXX  are the party in this matter not reporting information accurately.

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted.

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency.

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018
Consumer complaint received 2018-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a statement dated XX/XX/2018 from Portfolio Recovery Associates asking me to settle a debt at a " savings rate '' based on my choice of payment. I have never received any notification of this matter prior to this letter. I was confused and alarmed at this statement, so I sent a certified letter back to Portfolio Recovery Associates on, XX/XX/2018. In this letter I asked for detailed verification with my signature showing contractual obligation with this company, also asking that until they can verify and provide proper documentation they should not report to credit agencies. No response was ever provided to myself after sending the letter. On XX/XX/2018 I sent a follow up certified letter to Portfolio Recovery Associates,  explaining they have failed to provide any sufficient details regarding this claimed debt. In this same letter, I again asked to provide verification for this alleged debt I owe them. Even though by not responding to my initial letter in a timely manner was a complete violation of FCRA and FDCA laws, I was offering another chance to provide my requested information to validate this is a true debt and not some money scam. I received a response from Portfolio recovery Associates dated XX/XX/2018, stating a generic " verification '' of account. These details provided are NOT detailed, such as a signed contract, detailed purchase and payment history. The details provided in this letter are details that are very easily obtained from any computer savvy individual. I waited a sufficient amount of time for this requested information and never received anything. So on XX/XX/2018, I sent a THIRD certified letter, again asking for detailed information just as before in the other TWO letters. On XX/XX/2018, I received a letter ( dated XX/XX/222018 ) from Portfolio Recovery Associates. Again this was a vague generic letter completely disregarding my previous requests for detailed information ( detailed purchase and payment history and a signed contract for alleged debt ). Then on XX/XX/2018, I received another letter from Portfolio Recovery Associates ( dated XX/XX/2018 ) stating they had previously requested more information of exactly what information I was seeking and this information was never received by them so the " investigation is being closed!!! This is complete nonsense! Every letter I have sent is very detailed as to what information I am seeking regarding this alleged debt. I feel like Portfolio Recovery Associates feel they are above following federal laws that protect consumers from this exact situation. They are playing some sort of game to confuse and scare consumers into paying money for alleged debts without providing requested/sufficient validation other than vague easily accessed information.
Consumer complaint received 2018-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2018 I sent a certified letter to Transworld Systems, as  they were reporting a debt on my credit file, disputing this account and asking for proper detailed validation of this debt. I received no response, and my credit file was not updated as disputed as required by federal laws. Since, no action was taken on behalf of Transworld Systems, I sent another certified letter again demanding proper validation. To date, I have yet to receive any response from Transworld Systems. This company 's lack of care to follow both federal credit reporting laws and federal debt collecting laws is harming my credit file. I never received any initial notification of the debt so that I hade a proper chance to dispute or resolve this debt before it was reported on my credit file. To date I have no knowledge what this debt is, as I have never done business with Transworld Systems.
Consumer complaint received 2018-07-08
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: EQUIFAX, INC. (TX)

I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is Equifax due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX. 

I have also disputed with XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with XXXX XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018. 
I have called XXXX XXXX  several times and they keep telling me they sent the information over to 3 credit bureaus. 

This item XXXXXXXX XXXX is inaccurate or because I have made all on time monthly payments from XX/XX/2018 through XX/XX/2018. I am requesting that the item be removed because you Equifax has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you Equifax and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXXXXXX XXXX is indicating you Equifax are the party in this matter not reporting information accurately. 

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted. 

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency. 

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX XXXX continues to report to the three major credit bureaus that I have an active and open mortgage account with them. This account was closed approximately a year ago. I reached out to XXXX XXXX XXXX at XXXX and was told that my request was sent to the XXXX XXXX department. He could not give me an ETA as to when they would follow-up with me. I spoke with him twice and sent two follow-up emails, again to no avail with an expect ETA or direct phone number for someone who could help me. 

Someone by the name of XXXX called me on XX/XX/28 and told me that I would have to dispute this through the credit bureaus and then he could look into it. He said that he sees that my account is closed but had no interest in seeing proof that this was last reported to the credit bureaus in mid XXXX. 
Why am I supposed to dispute it when XXXX XXXX XXXX XXXX is the one reporting this every month?!
Consumer complaint received 2018-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

I have been paying on my student loans since mid XX/XX/XXXXand my balance has increased due to misallocated payments. I was also steered toward forbearance around XX/XX/XXXXinstead of toward a payment plan. I now have - balance of over {$110000.00} in student loans.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WA)

I have a car loan out with credit Acceptance. I have called them about reporting a late payment on my account that wasnt correct and when I called the lady wa every rude too me, and told me that everything that they report is always correct. I went on their website looked at reviews and noticed it has happened to a lot of people. In XXXX they said I was late 30-59 days. I have two payments in XXXX one on the XXXX and another one on the XXXX. I have pictures on my phone the two times I paid. The lady wouldnt even look up my account she was just flat out rude.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXXXXXX XXXX XXXXXXXX 2 ). EQUIFAX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX  : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX  a. XXXX b. XXXX XXXX c. XXXXXXXX XXXX XXXXXXXX 2 ). EQUIFAX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX.
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I started following my credit on XXXX XXXX a few months ago, and I got notification in XX/XX/XXXX that a debt collector identifying itself as Assetcare/Capio started reporting a medical collection from XX/XX/XXXX. I shouldnt have any medical collections because Ive been insured since XX/XX/XXXX. I wrote what I thought was a pretty detailed letter explaining this and asking for any documentation they have that would explain how or why I ended up with a medical bill which Im supposedly liable for. 
I also tried disputing it through the credit bureaus and the same thing happened. I dont understand what kind of game theyre pulling, and its ridiculous that something which to me seems like a random number is now reporting to my credit history, and without any explanation as to why my insurance wasnt billed. Again, Ive received no documentation to justify what theyre doing.