davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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: United Revenue Corporation (TX)

I sent a dispute letter to XXXX  on XX/XX/15 regarding charges for United Revenue. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute XXXX confirms this was verified and this continue to remain on my credit report. This is not correct and need to be removed.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

We received a phone call around the XXXX of XXXX from someone asking for our address. They stated that there was a debt that was owed to them and they needed our address to send the collection notice. 

We received one letter around the XXXX of XXXX from Convergent Outsourcing Inc stating that we owed them {$2300.00}. They claim that the original debt was with XXXX XXXX, XXXX. We do not know of this creditor and we have never opened an account with them.
Consumer complaint received 2021-04-06
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. (OH)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a 2 prong situation : My loan company is pursing foreclosure and is not adhering to the " Covid Guidelines '' and have set our loan to their foreclosure attorney,,, regardless that I have explained that we have been impacted first hand with several layers of " XXXX '' 1. both of lossed our jobs 2. we both contracted XXXX 3. we have ongoing and underlying issues XXXX and XXXX effected with XXXX sent this in writing also. 

2. I had no idea that this office existed to assist on protecting us in XXXX when SPS added over ( more than the actual loan amount ) XXXX XXXX in charges fees and ect on our original loan ... I only owed XXXX and now they tacked on making my balance over XXXX,,,, again being bailed out by the government and now double dipping and strong arming us back tacking more debt in order to keep our property.
Consumer complaint received 2021-04-06
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: CL Holdings LLC (AL)

On XXXX XXXX Jefferson Capital Systems , LLC added a derogatory mark on my credit profile per XXXX XXXX XXXX $ XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (FL)

ON XXXX XX/XX/07, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE ARE STILL ITEMS THAT ARE PRESENT THERE ON WHICH I FEEL LIKE THEY WANTED IT TO STAY THAT WAY. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Consumer complaint received 2021-04-06
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. (FL)

Equifax is currently Intentionally reporting false Late payment history information for Account number XXXX XXXX XXXX / ( 30 days late XX/XX/XXXX ) I reviewed the latest credit report XX/XX/XXXX. 

On XXXX XXXX I sent certified letter number XXXX to Equifax. ( See attached ) On the date of the initial notification I requested that the account be updated to Paid in full As agreed Never Late. Equifax has refused to update the inaccurate information to date. See Attached.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

I paid my auto loan off in full to XXXXBridge Crest, yet the completed payment has not been reported to the credit bureau : XXXX, XXXX, XXXX. Moreover payments have not been reported for the last 2 months, as a result my credit report is reporting false and inaccurate information.
Consumer complaint received 2021-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-04-06
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. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I closed an account with XXXX XXXX XXXX on XX/XX/XXXX, when I paid the account in full on XX/XX/XXXX, they reported the information to the credit bureau as account being closed XXXX XXXX. This impacted by credit score negatively by 30 points. I have been notifying XXXX XXXX XXXX and the credit bureaus since XXXX, XXXX. XXXX finally submitted the corrected information to Transunion and they have updated my credit file with the corrected information, but they are telling me they can't do anything to correct by credit score to recover the 30 points that was lost because of XXXX error. My credit score with Transunion at the time was XXXX and it failed to XXXX, and my score with XXXX was XXXX and it failed to XXXX. I think its very unfair for my score to be negatively impacted because of an error by the bank. The bank has corrected their information with the credit bureaus, TransUnion have updated the corrected information in their system, but I'm continually told it's nothing they can do to correct my score. Thanks for your support in advance.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

I closed my bank account in mid XXXX. On XX/XX/XXXX, one my checks was used to be cashed for cash. This account was never even presented the check at my bank, XXXX. They immediately gave the person the cash and then didn't even contact me and sent me to collections- Complete XXXX XXXX, XXXX XXXX It hadn't even been 2 weeks and they sent me to collections. Then I found out that XXXX XXXX XXXX said I wrote a check at XXXX? They told me it would go on my credit report if I didn't pay {$68.00} immediately. 

After much research, I realize I have been swindled and I am reporting XXXX XXXX XXXX, XXXX. 
https : XXXX
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

the old linked card expired. American Express deleted the old student card linked to the prepaid card. I tied to link the new card to this account and i needed to verify trial depsoits there app refuses to verify trial deposits. That after 10 times exceeded American Express wont let me add the same card there requesting a new card which i told them I can not get a new card. They blocked me from adding the card linked.. American Express new system is being complicated. I let here reps know that there system new system is complicated and will not let log in from there website. I can not make deposits Americn Express system being complicated and will not let me send my school funds over from the linked card to their account not unless i get a new card. There fraud department said it exceed 10 ten times. I told them its not my fault that there system will not allow me tto do so. its there system they should of kept the old system.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I have a XXXX XXXX in my name location in XXXX and I have never even been there before.its almost {$350.00} and I need to get rid of this i was incarcerated for 14 mtgs and other than that have been in XXXX pa for almost 4 yrs now. Also I filled my back payment for employment and yet to hear anything I have been out of work since XX/XX/XXXX or XXXX and didn't get my unemployment started untill XXXX or XXXX so if anyone wants to look in to that as well I will be extremely greatful. Also I tried to help my credit by applying with self now I have two accounts and don't know how to close them.also my debt card for XXXX was lost and spent {$1500.00} on it and I went back to jail before I was able to get something done about it.
Consumer complaint received 2021-04-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX XXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IN)

Navient - incorrectly reporting student loans as late per credit car a - I have filed a dispute but in the meant time my credit score is plunging! Navient has the same account numbers for my unsubsidized loans and has mis applied payments in the past. In addition I requested a forbearance on XX/XX/2020 and They are now reporting loans as late that are protected by Covid 19 rules. I have also requested that all communications be in writing and send but USPS to my physical address.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I submitted my first complaint with experian on XX/XX/2021 about a fraudulent item from XXXX that was on my credit report, I notified the company about the item on my credit being fraudulent and also submitted an cfpb complaint ; since then, the company never responded to my original complaint, another fraudulent item with XXXX  XXXX XXXX has been reported. I've also sent in an notarized identity theft identity theft affidavit stating that I had no knowledge of this account ; but they have not helped me rectify this issue in any shape or form! I also submitted a FTC identity report for both accounts and they still have not helped me.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  XXXX took over our home loan in XXXX. Zero issues what so ever payments where made on time. For the first four months my father would call in his payments and they would take them and process them with no issues and my father has even added additional funds for the principal every month. Let 's fast forward to the first incident in XX/XX/XXXX my father called in his payment as he always did got his confirmation number and went about his day. Right away at the end of XXXX I had people coming to the home taking pictures asking if anyone was living in the home. Puzzled and confused we call XXXX and they said no payment had been made for the month so they just wanted to verify someone was living in the home. On the phone I mentioned the confirmation number they took it but said nothing existed. After making the payment I asked if my credit would be damaged because of this and they said they did not know. Right away that was a red flag! After countless phone calls, letters and emails at the end of XXXX my credit report was updated with a deduction in points from XXXX to the low XXXX 's. After trying to explain the situation they were no help what so ever! all I got was a you should have made that payment on time. Now let 's forward to XXXX! My father had some extra cash so he decided he would make his payment early. I made this payment on XX/XX/XXXX for the amount of {$1800.00} and an additional payment to the principal for {$300.00} a total of {$2100.00} for the next month of XXXX. I kept an eye on the bank account but noticed something strange XXXX only took the principal payment of {$300.00} I called to confirm that and they said that was correct! I asked why?? if I made a payment for {$2100.00}. I remembered what we had already gone thru this so I mentioned this to the operator and she said she saw this exact problem earlier in the week with a different customer. I mentioned what happened to us in XXXX and I told her that it feels as if XXXX XXXX  would love the home back since they really want us to miss payments and mess with our credit. I would happily sell the house back to them!!!!!!! but if the payment system has errors why not change that??? why don't you fix this! I tried to buy my own home but was unable to because of the damage to my credit thats just now getting better. I would appreciate it if XXXX took responsibility for the XXXX up from XXXX and for the one for XXXX or is this plane old sabotage?
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Collection Account : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) Account # : XXXX Balance : {$470.00} This is a formal complaint against the collector Portfolio Recovery XXXX XXXXXXXX. I have been disputing this account directly with the collector and they have claimed that I have NOT provided new information which is to form basis for a new investigation, when in fact, I have indicated specifically on every letter that I've sent them what I wanted as part of their legal duty to do a reasonable investigation of this debt. 

In the first letter that I sent, I have asked them to validate the account, they responded with insufficient documents stating the amount that I owe without all the other documents I have asked them to provide such as a proof of my identity, proof that this account has not been written off as a tax liability. And prior to reporting this debt to my credit report, I have never received a notification from this company of planning to report this account. They never sent me that proof as well.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (RI)

On or around XX/XX/2021, there was a new account on my XXXX  credit report as collections. The company was Sequium Solutions, the collection agency for XXXX XXXX. I called Sequium twice to resolve and when i mentioned id theft, the representative hung up on me, both times. The first representative mentioned an address of XXXX XXXX in XXXX, TX, which i was NEVER a resident. I then called XXXX XXXX and they do not have an account for me.. not by name, phone number or ssn. How do i get this off of my credit report?. I have disputed once, but they claim the account is valid.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PENTAGON FEDERAL CREDIT UNION (WI)

On XXXX I was sent a PENFED Visa Debit card that I never applied for. Someone used my name and personal identifiers to open a fraudulent account. I called PENFED and closed the card. PENFED said that they would have someone from their fraud department get in touch with me within 15 days.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (NY)

I am writing to you because I recently sent to companies letters since XXXX of 2021 about how they are reporting my credit and wrong information and I still have not heard anything from them which is wrong and unjust. please look into this for me thank you.