davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When reinserting information on a consumers credit report the credit reporting agency must notify the consumer within 5 days. No such notification was ever given to me in regards to the matter concerning XXXX XXXX/ XXXX XXXX . Account information was deleted on XX/XX/XXXX from my Transunion Credit Report and was reinserted on XX/XX/XXXX. 
In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no letter of reinsertion and therefor FCRA Laws have been violated.
Consumer complaint received 2018-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I own my own company. Several years ago a relative worked for me. She got several credit cards in my name. She paid them until she got on XXXX   and we fired her. We then found out about these cards and disputed them. She became a XXXX XXXX. 
XXXX XXXX said they would write off and they never called us. 
Then all of a sudddn this portfolio recovery started billing us. They now harass us and we dont owe them. 
Can u please stop them for us.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Creditor : Capital One Bank Denied line of credit increase to account holder based on information reported and/or obtained by credit bureau reporting agencies. The information reported has caused an adverse action against me and I have not been provided the identifying agency information of the provider.
Consumer complaint received 2018-02-18
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: STERLING JEWELERS, INC. (AL)

I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2018 and haven't heard any responses from the company. I have filed identity theft with The FTC.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$550.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. They signed for that letter on XX/XX/2018. The report states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all with proof, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!
Consumer complaint received 2018-11-16
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. (NY)

This is my 9th complaint against Equifax and their failure to remove this account that ISN'T MINE, Equifax has been shown proof several times that this account isn't mine and they have been given the chance to fix their mistake, but yet they continue to report this fraudulent account with proof that the account isn't mine. My next step is to file suit for {$1000.00} for each wrong doing that Equifax has done to me, as this false account is defaming my name. Remove this account immediately # XXXX and show me how you verify this nonsense, i can take a wild guess XXXX which is unreliable! Especially when i have shown proof 9 different times. Stop wasting my time and effort, next step is {$1000.00} in my pocket for each false account with this account number # XXXX
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Select Financial Services, Inc. (OK)

I have lost count as to how many times I have contacted XXXX XXXX with the goal of getting them to do what is required by law with the transfer of a mortgage. But as of this date they are still NOT complying with the legal requirements for transferring a mortgage and therefore I am being forced to take this matter to the next level. 
They have erroneous stated in each of their letters that I am represented or have been represented by the XXXX XXXX XXXX. IN EACH RESPONSE TO THEM I HAVE INFORMED THEM THAT I AM NOT AND NEVER HAVE BEEN REPRESENTED BY THEM AND THERE ARE NO RECORDS TO SUPPORT THAT LIE THEY ARE ESPOUSING! THEREFORE, THEY DO NOT NEED ANY TYPE OF CORRESPONDENCE FROM A FIRM THAT I HAVE NEVER USED! I AM TELLING THEM THERE IS NO CONNECTION AND EITHER THEY ARE INCREDIBLY STUPID OR DO NOT HAVE ANYONE AT THAT COMPANY THAT CAN READ! THERE LIES ABOUT SENDING ALL COMMUNICATION TO THAT FIRM IS ALSO UNLAWFUL! I have STILL NOT LEGALLY been informed concerning this transfer they are stating has taken place. In their last response they FINALLY ADMITTED what I have been telling them in every complaint and even apologized to " the mortgagors for any inconvenience they may have caused ''. BUT, EVEN AFTER ALL THE COMPLAINTS I HAVE FILED AGAINST THEM THEY STILL HAVE NOT COMPLIED WITH THE LEGAL REQUIREMENTS OF TRANSFERRING A MORTGAGE BECAUSE I HAVE NEVER RECEIVED ONE PIECE OF PAPER SENT TO MY RESIDENCE NOTIFYING ME OF ANY CHANGE IN MY MORTGAGE. NOTHING FROM XXXX OR THIS COMPANY SO AS FAR AS I AM CONCERNED LEGALLY, XXXX STILL HAS MY MORTGAGE! IT CAN NOT BE IN FORECLOSURE BECAUSE XXXX IS UNABLE TO FORECLOSE DUE TO THE SUPREME COURT CASE THEY LOST! IF ANYTHING IS DONE BY THIS COMPANY REGARDING MY HOME I INTEND TO SUE THEM IN EVERY COURT POSSIBLE! I EVEN SENT THEM A CERTIFIED LETTER WHICH THEY HAVE COMPLETELY IGNORED! THEY HAVE IGNORED ALL MY CORRESPONDENCE, EVEN THOUGH I HAVE A RECORD OF SENDING, SO OBVIOUSLY ARE TRYING TO CONTINUE ILLEGAL ACTIONS WITHOUT MY KNOWLEDGE! THE LAWS ARE VERY CLEAR REGARDING FORECLOSURE AND THEY HAVE BROKEN THEM ALL!
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc. (FL)

My husband and I rented a house from XXXX XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX   XXXX XXXX. We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ).  Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. At some point, XXXX XXXX XXXX sold that alleged " debt '' to NCC Business Services, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to XXXX, XXXX, and XXXX. We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as NCC Business Services directly. We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX  XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). We have notified all four entities of our intent to file suit against them. And we have sent FS XXXX pre-suit demands for insurance information in preparation of that lawsuit. Incredibly, none of those things has gotten their attention. NCC has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
Consumer complaint received 2018-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I was buying a home in XXXX, XXXX, with cash. On closing, I was in touch by email with my Title Insurance Company in XXXX XXXX, XXXX ( XXXX XXXX ) and my realtor in XXXX ( XXXX XXXX ) about wiring the money to the Title Insurance Company. I was not happy about wiring the money and asked if I could give a check when I met up in person with the both of them in XXXX XXXX but XXXX XXXX would not accept a check. I had problems wiring the money from my Citibank account in XXXX XXXX to XXXX XXXX and it took about a week to iron out problems with Citi as to how I could send it. To complicate matters I was in the XXXX looking after my frail XXXX year old father when the money was due and had to speak daily on the phone to Citibank Wire Services in the USA. Closing date was XX/XX/XXXX. On XX/XX/XXXX, a scammer, using the name and email of my Title insurer - XXXX XXXX -  intercepted our emails and instructed me to send {$220000.00} by wire to XXXX XXXX account in XXXX XXXX in XXXX XXXX. I questioned the bank details with XXXX XXXX as the account was not in XXXX but was assured that the HQ of XXXX XXXX was in XXXX. I knew this to be true and finally went ahead and wired the money on XX/XX/XXXX. Within 2 days I had realised that I was not emailing with the real XXXX XXXX and reported the theft to Citibank. Two amounts were returned to my bank account in XXXX XXXX - {$34000.00} and {$22000.00}. The amounts were wired to me from Citibank in XXXX. Since then I have been in contact with XXXX XXXX of Citibank as well as reporting the fraud to the FBI, XXXX, OCC, FHFA OIG, the Department of Justice, Federal Trade Commission, the Attorney General of XXXX XXXX, and the Attorney General of XXXX, but I have as yet received no further information about where my missing {$160000.00} has gone.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

We need your help : Bank United wants to hold fund from an insurance or the 2017 hurricane damages of approximately {$70000.00}, they want to release about {$49000.00} to initiate repairs, they have been advised that there is a payment to the private adjusters of abut {$6500.00}, they say it is my problem. " they are not part of it '', the unit is in habitable, with no restrictions what so ever, to the point that we have had offers to buy it at the current market value of approximately {$800000.00}, ( names and phone numbers could be provided with their consent ) the present mortgage with Bank United is {$380000.00}, it is current and has been currant from the closing date about 4 years ago. 
Bank United wants to hold the funds because of a clause in the mortgage. My husband and I are seniors, I had a XXXX XXXX, which was about a year ago, I can not have stresses like this, as per my Doctors. Also I am having XXXX XXXX on the XXXX of XXXX, at XXXX XXXX XXXX XXXX of University of XXXX and my husband is having a XXXX XXXX, on one of his XXXX, on XX/XX/XXXX at XXXX XXXX XXXX. 
The pressure to us caused by Bank United is unreasonable, and unbearable for they will have to do inspections as the money is use and we will have to pay for said inspections. 
We have been talking to XXXX XXXX VP, Escrow Administration and Special Loans??? WHY BankUnited, N.A. 
XXXX XXXX XXXX XXXXMail Code : XXXX XXXX XXXX, FL XXXX Direct : XXXXFax : XXXX XXXX Also Email has been sent to XXXX XXXX XXXX Chief Operating Officer XXXX bankunited.com
Consumer complaint received 2018-01-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lendmark Financial Services (VA)

Lendmark has repeatedly try to contact both my husband and I at work even after they were told not to, that they were jeopardizing our employment. They have been notified that we are working with a debt consolidation company to help resolve our debt.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lockhart, Morris & Montgomery Inc. (NM)

The debt collector continues to call all my family members and harass them. They shared personal private information with family members and friends. I 'm embarrassed, and humiliated. Iv e asked XXXX repeatedly not to contact my family and she continues to do so. Iv e asked her to stop calling me and she continues to do so. I 'm unemployed and homeless. I live on the street. Please make it stop. I do n't know where else to turn. My name is XXXX XXXX XXXX. Email is XXXXXXXXXXXX and the debt collector number is XXXX ext XXXX. Thank you.
Consumer complaint received 2022-09-19
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. (MD)

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 you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX I purchase a XXXX XXXX XXXX vin XXXX in the amount of XXXX dollars and my financing was with Ally who was the lien holder account # XXXX. XXXX XXXX XXXX, KY XXXX. On XX/XX/XXXX the vehicle was involved in an auto accident and was damage claim # XXXX and total out. I had full coverage insurance with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. On XX/XX/XXXX my loan payoff amount was {$14000.00} Ally gave me a settlement offer amount of {$10000.00} this settlement offer will satisfied the original loan payoff amount and will pay the loan off which would leave a {$.00} balance the loan would be paid in full, and I would n't be responsible if I accepted the settlement offer amount. Ally financial said they will release its interest/ title on the vehicle to my company if I paid XXXX and they said the offer was good until XX/XX/XXXX. XXXX XXXX insurance issue Ally a check on XX/XX/XXXX in the amount of {$10000.00} I had to sign the vehicle title, a letter of guarantee, and sign a Power of Attorney form giving up my rights to the vehicle and the Loan. I signed over my rights from the loan and the vehicle on XX/XX/XXXX. 
I accepted the settlement offer from Ally and they were paid off in full the settlement amount. Months later Ally came back to me trying to collect {$3800.00} from me which I do n't owe anything on this account the settlement offer forgive the original loan amount. Ally has reported this on my credit report and this needs to be remove from XXXX XXXX, XXXX, and XXXX credit reporting agencies. I had recently obtain a copy of my credit report, which contains inaccurate and out dated information reported by Ally I request that they remove the entire account from off my credit. I gave them 30 days and file a dispute with the credit report agencies, In accordance with the Fair Credit Reporting Act, 15 USC section 16811 this is unauthorized and illegal This need to be remove The following account is described erroneously and needs to be deleted The following account was close on XX/XX/XXXX but is not listed accurately on my credit report. I sign over my rights and interest in the loan and vehicle this was agree upon Ally and myself. I have attach documents to support my request. Please delete this account off my report they are wrongfully reportinf false information, and this is fraud.
Consumer complaint received 2018-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

I filed for permanent XXXX forgiveness first of XXXX. They said my forms was incomplete. The reason was My XXXX didn't state if I will have a 2 year review. So I sent in everything that needed XXXX XXXX of XXXX. Stating that my XXXX is permanent and if my XXXX was to have reviewed it would state it on my XXXX papers. I also stapled all papers again together. I have not heard anything from them. Try emailing and dont get answers. They keep adding interest to my account. My orginal loan XXXX now little over 17,000. I think they keep avoiding to add interest. My loan was in debreavince before and they keep adding interest.
Consumer complaint received 2024-10-28
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. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2018-01-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENOVA INTERNATIONAL, INC. (VA)

XXXX XXXX XXXX purchased an account from CashNet USA in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. 

CashNet USA was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. 

( And actually over the years I had the line of credit with CashNet USA I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). 

This account needs to be closed and marked paid in full.