davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (PA)

FCRA requires consumer files accurate and complete. Want account to list on credit report entire payment history & updated status ; date account was opened and closed ; credit limit ; high credit limit ; balance, high balance ; list in payment history section year and month payments were 30,60,90,120,150, 180 days late and charged off date. 

XXXX XXXX XXXX informed me that account is owed by them effective XXXX. And XXXX does not own account, however account is 100 % inaccurate. 

Attached is document from XXXX XXXX XXXX stating their ownership. 


Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues.

the CFPB, together with the Federal Trade Commission ( FTC ), filed an amicus brief in Sessa v. Trans Union , LLC, a case in which a consumer sued XXXX, one of three nationwide credit reporting companies, for violating the FCRA. There is no dispute about the facts : XXXX reported on a consumers credit report that she owed nearly {$20000.00} on a car lease that she actually didnt owe under the plain terms of her lease. 

The consumer sued XXXX, arguing that it had violated the FCRA by failing to have reasonable procedures to assure the information on her report was accurate. XXXX argued that it couldnt be responsible for failing to do its duty because the error was legal rather than factual. XXXX also argued that the incorrect information couldnt be inaccurate because it was provided to XXXX by the company that financed the lease. 

The brief filed by the CFPB and FTC points out that the FCRA does not contain an exception for legal inaccuracies. Rather, the law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. While XXXX argues that the inaccuracy on the consumers credit report was based on a legal dispute, the error was simple and straightforward : XXXX reported that the consumer owed money that she clearly did not.
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Hillcrest Davidson & Associates (AL)

On XXXX XXXX, 2016 after a long day at work, I received a notice in the mail from ( Hillcrest Davidson & Associates, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) ( phone # XXXX ) a debt collection notice, I was unaware of this bill so I made a phone call and a person on the phone name ( XXXX ) this took place around XXXXXXXXXXXX, after he told me the bill was from ADT I recall having the alarm system put in. I continue to tell him the bad experience we had with XXXX, and I also mention that it is noway that I could pay this amount of {$1300.00} I asked him was it anything that could be done to resolve this, because my husband had XXXX back in XXXX and has been out of work for a long period of time and we had just XXXX income coming. He began to go and tell me with what he was reviewing my credit that I had money to pay it, because of the credit cards I got, I told him I did n't know what he was talking about, and continue to tell me my history with XXXX at this time I was getting a little furious with him. During the conversation he made a statement which I took very personal and for him to be a customer representative on the company behalf it was very unprofessional. He stated that, " people like you need to pay your bills '', and " we all know what its call for people like you that do n't want to pay your bills '' as I can recall this " section 1692D '' ( 2 ) prohibits the use of obscene, profane, or abusive language. Abusive language includes religious slurs, profanity, obscenity, calling the consumer a liar or a deadbeat, and the use of racial or sexual epithets. Which I took very personal and offensive. 
It 's nothing wrong with being contacted regarding a debt you owe. But to be so rude, I ask numerous of time, are you sure this phone call is being recorded. There should be a recording of this I would like to formely file a complaint against this person because he has no right to express his personal opinions and to be make racial remarks stating " YOU PEOPLE '' totally unfair in my opinion.
Consumer complaint received 2015-08-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (KS)

Over a year ago, I got hurt at work. I had to have surgery and was out of work for 5-6 weeks. That 's when I fell behind on payments. XXXX XXXX was my mortgage company. It took me 4-5 months for them to finally agree to a payment plan. I was making payments to XXXX XXXX, then they sold my loan to Pennymac, unknowingly to me. I continued to pay XXXX XXXX. After a couple months a rep. for XXXX XXXX informed me of the sale of my loan, and provided me the contact number for Pennymac. I contacted Pennymac, but they had no information on my repayment plan. As of now I am showing delinquent for 6-7 months. Pennymac tried to get me to agree to a repayment plan of {$2000.00} a month. I can not afford that. As of now, I have sent into Pennymac XXXX loan modification packets. The first packet I faxed in 3 times, then I mailed it into Pennymac. They never received it. Which was around XXXX. The second packet I faxed in as well, Pennymac said they received it. It was sent on XX/XX/2015. Every time I called to check the status of it, I was told it is still in for review. 
I received another packet, to fill out, from Pennymac on XX/XX/2015. I called Pennymac asking why I received another packet when I had XXXX in for review. I was told that my packet was missing forms, and it had outdated dates. I was never informed about missing documents or outdated signatures. 
I have now submitted another packet on XX/XX/2015. I have received another phone call from Pennymac, that I 'm missing documents. 
I am currently waiting on Pennymac to send me an email, stating what documents are missing. 
I feel that I am being discriminated against for being delinquent. I feel that Pennymac wants me and my family out of our house. Even though I have sent everything they have asked for multiple times. 
Any and all help would be greatly appreciated. Thank you
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My husband and I own a condominium, which is a rental ( it is currently rented ). The XXXX mortgage is owned by Ditech. 

A little history : When I purchased the condo in 2002 ( before husband and I were married ), I financed it through Ditech, before they were taken over by Greentree. They were incredibly efficient, and I never had an issue with them. Fast forward a few years, they were taken over by Greentree, and THEN the problems started. I have paid our mortgages ( for our rental, and our own house ) every two weeks, on the days we get paid, for years. I send a 1/2 payment, which helps our finances run smoothly, AND I send a little extra, so the full payment is always a little extra. Well, when Greentree took over the old Ditech, I started receiving these snarky notices in the mail stating my account was past due, and my statements reflected I was over 30 days behind. I thought, good grief! Has my trusted credit union wronged me? I double checked my payment history on my credit union 's website ( I pay everything online ). All payments were sent, exactly when I scheduled them, AND the money was deducted from my account. 

I contacted Ditech and asked what the heck was going on with my account. They explained, that since I paid my bill in partial payments, the incomplete payments were placed in an " unapplied funds '' purgatory. What they failed to do, was post these unapplied funds to my account in a timely fashion, so I wound up in the hell- fire land of late fees and phone calls demanding payment. 

I thought this situation was pure comedy. Was this happening??? Here we were, being super responsible, paying bills on the dot every two weeks, PAYING EXTRA, but they STILL put my account in the bad place. They claimed there computer system " could not process partial payments ... '' They literally said this. I freaked out. I did battle on the phone about once per month, to get them to APPLY my payments to my account. 

Fast forward again, Greentree was taken over by the second iteration of Ditech, and now this happening all over again. My mortgage is XXXX per month. I send {$400.00}, religiously, every other Friday. I checked their website, which clearly shows my excellent payment history, but when I clicked on the " details '' button for each payment, several of the payments showed in " Unapplied Funds '' meaning, they have literally NOT applied SEVERAL payments to my mortgage account, going back to XX/XX/XXXX!!! What?!?!?! And I am receiving these snarky notices again, that my account is past due. 


This whole thing is soooooo beyond frustrating. I hope you can help. 

The property address this complaint is related to is : XXXX XXXX XXXX # XXXX XXXX, CA XXXX Thank you! 
XXXX XXXX
Consumer complaint received 2016-04-22
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Adjusters, LLC (CA)

Contacted by National Credit Adjusters , LLC and verbally told that XXXX XXXX was going to take me to court and sue. Did not tell me the amount, or provide paper verification of the amount of debt. 

I paid {$1500.00} and agreed to pay another {$1500.00} on XXXX XXXX. I have since called my bank to stop payment on the XXXX XXXX charge.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alco Collections, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-19
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. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-19
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. (SC)

XXXX XXXX was charging fees that i disputed and if reversed would have settle my account. Instead, they reported me to the credit bureau while accounts were in dispute and refuse to correct that information. I am asking that the adverse reporting be removed from my credit reports. They have since refunded the amounts in dispute but that alone has not been accepted by the credit bureau. When i dispute the reporting and submit the checksa nd documentation supporting the dispute I am directed back to XXXX XXXX for correction.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (GA)

My insurance company paid a bill to XXXX Hospital promptly and in full. I never had any further communication from XXXX Hospital or from the current company reporting me to collections, " Alliance One Receivables. '' I have provided them with copies of the paid bill from my insurance company but get no response and they are not removing this bill from collections. This is absurd - my credit should not be destroyed by a bill my insurance paid in full, promptly, quite some time ago.
Consumer complaint received 2015-10-25
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (TN)

I have been a costumer with Rushcard since 2008, no problems at all. Until they did this system update. My balance on my account is wrong, I have called emailed no response back, until the other day I called from a different line and I waited on hold for a minute and then the lady proceeds to tell me that they do n't know when the issue will be fixed, that they are working on it. You have been working on it for almost 2 weeks. Luckily I was n't late on any bills like others.
Consumer complaint received 2023-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

XXXX  are inaccurately reporting on my consumer file with Experian and XXXX. This account was taken out fraudulently in my name. They are coming back saying accurate which it is NOT. They are in violation of my privacy as a consumer of the FRCA. My bank has closed the account linked to this activity. I have disputed this information more than 3 times and it is not verified correctly. This company is in violation of code 15 USC 1861i. of the FRCA. I am going to pursue legal action against this company if they do not remove the account and stop reporting on my consumer file.
Consumer complaint received 2016-05-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (KS)

I recently checked my credit report and found that I had an account in collections that I did not recognize. I looked into the company that the debt was owed to and did not recall ever doing business with them. After seeing this, I looked further into this company and came across multiple complaints about this company falsifying amounts owed to the company from customers. A vast amount of people had complaints about this because, unbeknown to their knowledge, they were having the accounts sent to collections, which in return, was affecting their credit score. I have never been contacted in anyway about this debt by neither the company or the debt collectors.
Consumer complaint received 2015-10-13
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MD)

I 've been a client of Rush card for 5 years and now I 'm having major issues. ... .I 'm not able to axcess my money and customer service has no idea when this problem will be fixed ... I have direct deposit and I 'm taking a trip Thursday. ..with no money how am I able to go on a vacation I 've already paid for as well as my entire paycheck gone ... .I have n't been able to get a clear answer to my questions and this is not acceptable. ... many ofb th heir clients are going through yhe same thing. If I ca n't axcess my paycheck Thursday I will need f u ll compensation for my troubles asap.
Consumer complaint received 2023-07-04
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. (GA)

To whom it may concern, Upon viewing my credit reports I noticed my " XXXX - XXXX had a discrepancy in the Two-Year Payment History. Transunion and XXXX are reporting a 30-day late payment for XXXX, XXXX, XXXX, XXXX, XXXX. However, Equifax is reporting a 30-day late payment for XXXX, XXXX, XXXX, XXXX, XXXX. If this is the same account, reported by the same creditor how is the payment history different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please " PAID/PAYS AS AGREED, NEVER LATE " this item immediately. 



I have enclosed a screenshot for your viewing. Please see Two Year Payment History '' Section.
Consumer complaint received 2023-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  are inaccurately reporting on my consumer file with XXXX and Transunion. This account was taken out fraudulently in my name. They are coming back saying accurate which it is NOT. They are in violation of my privacy as a consumer of the FRCA. My bank has closed the account linked to this activity. I have disputed this information more than 3 times and it is not verified correctly. This company is in violation of code 15 USC 1861i. of the FRCA. I am going to pursue legal action against this company if they do not remove the account and stop reporting on my consumer file.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-01-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit One LLC (MD)

I never owed this company nor did I sign anything for them to try to collect this debt. This company creditone llc is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (WV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION (NJ)

I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through XXXX XXXX XXXX. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the Law Office of David Sean Dufek and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.