davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-04-15
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: CITIBANK, N.A. (TX)

Macys, the Dept. Store of National Bank charged off a credit card account and assigned it to XXXX XXXXXXXX XXXX. I was told that after paying the Balance in Full that the account would be removed from my credit report. 

I've paid the Macy 's Store Credit Card off in XX/XX/2020 and the item will not go away and is still listed on my credit report. 

I've tried contacting someone to get this resolved but haven't received any feedback. 

I paid the balance in full.
Consumer complaint received 2021-04-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Please verify the following accounts, I need this to be investigated and fixed immediately. 

This is a duplicate account PORTFOLIO Account Number : XXXX PORTFOLIO Account Number : XXXX PORTFOLIO Account Number : XXXX The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-04-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My credit score has always been low even though I established it at XXXX. I have been responsible and I am not sure why it has been low. And seem I can not improve it no matter what I do. I feel a little discriminated against. Please help
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have submitted several disputes to Equifax about inaccuracies on my consumer report. By law nothing should be on my report that is incorrect or not exact. Equifax has published my report and nothing is valid or correct. I have disputed this information over the past 2 years with no success I have been denied credit due to Equifax inaccurate reporting. Credit Cards are being reported open with the wrong amounts, and dates, Student Loans reporting wrong amounts and dates. Debt Collection accounts are being reported as past due. Everything on my report is incorrect and I demand everything be deleted.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kehoe Financial Group, LLC (MD)

Kehoe Financial Group XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Debt Notification of a Traffic Violation in the Municipality of XXXX, XXXX XX/XX/XXXX dated XX/XX/XXXX. This notification is 1447 days from the traffic code violation. I was not notified by the car rental company of this debt. I believe that notification of a traffic violation for a non-citizen of XXXX must be made within 560 days. I have called the company 3 times with no return phone call in person XX/XX/XXXX and 2 times on XX/XX/XXXX. I have no breakdown of the debt calculation owed {$500.00} I was not driving the car, another authorized driver was driving.
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

I was seen for a dental procedure in which I paid the full amount before I left the office. I was not allowed to have the procedure unless I paid for it in full before leaving the office. Months later I received a bill and I disputed it in with the provider. The Provider : XXXX XXXX of XXXX. They told me they would write it off. I received the attached paperwork of the write off. Now, GLA has added it to my credit report and once again is damaging my credit falsely with information obtaining illegally.
By obtaining my dental records they violated my HIPPA rights to privacy. They also are billing me and adding to my credit a bill that I am and was never responsible for.
Consumer complaint received 2021-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

On XX/XX/XXXX I submitted my form to FedLoan Servicing for Public Service Loan Forgiveness. I have made the required number of payments, and submitted the form correctly online. During a conversation with customer service, I was told that it can take months to process the paperwork, so I continued to wait. After still not seeing any movement on my account, I called back in XX/XX/XXXX, and was told that the entire program was on hold indefinitely during the pandemic, and that I should have received correspondence about this ( I did not, nor was I able to find any documentation online about this program " freeze '' ). I called back last week, and was told that although the program is up and running again, the paperwork I submitted was not processed correctly, and the form I had used was no longer in use, so I had to resubmit. Please note that the form was set to expire in XX/XX/XXXX, yet when I submitted in XX/XX/XXXX, the form the website said to use was the expired one. I asked to talk to a supervisor, who assured me that since it was an error on their part ( about the form being improperly processed, and just sitting there in the wrong " pile '' not being worked on ), they will allow me to use the same form. However, this week I received a letter stating that my application was being denied because more than 60 days has passed, and they need verification that I am still with an eligible employer. I am an XXXX XXXX single mom in the XXXX XXXX, we can't just up and quit our jobs. So now I am having to resubmit paperwork and wait even longer for resolution. None of this would have happened if they had properly processed my form the first time. I am extremely concerned, because after doing some research it seems like this company is doing everything in its power to make sure nobody can get their loans forgiven. It makes no sense for them to say that it takes months to process an application, and then turn around and say too much time has passed for them to make a decision, we have to resubmit the paperwork. When does it end?
Consumer complaint received 2021-04-15
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: Shellpoint Partners, LLC (CT)

Shellpoint Is Erroneously Reporting 5 Commercial loans as personal conventional loans on my personal credit. These loans SHOULDNT be reporting on my personal credit. I have attempted to correct this issue with Shellpoint, and they have assured me that these loans will be deleted from my credit, but it has not been done. I received a letter from the compliance department substatiating that an error has been made, and that they will correct the error. They have corrected 1 loan, but continue to report 5 commercial loans ( please reference the 5 loan statements attached )
Consumer complaint received 2021-04-15
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. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Driveway Finance Corporation (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI [ XXXX ] XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

I purchased a XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I made a lump sum payment amount and started paying the loan weekly. Starting in XXXX, I was unable to make principal only payments until the " payment due '' was paid but was told when I make extra payments that my " payment due '' is still due. This is contradicting. Anyway, once I make the payment in full I am allowed then to make " principal only '' payments. However, I don't believe the payments have been applied correctly. I had to call several times to request my payment be re-allocated to the principal which I'm not sure was ever completed but they are still accepting my " payment due '' When I ask for clarification I am either told the same " law '' with no enforcement of my loan detail with payment or I am told something completely different. Even with email communication or calling. 

Now I submitted a payment ... ... ... ... ... ... ... again ... ..and now it went towards my " payment due '' leaving me with a partial payment due on the XXXX. I went to pay it in the total amount plus the difference in hoping to pay the difference to the principal. Well again I no longer have the option. My option is to either apply the total amount to principal or towards the next payment. 

When I try to split the payment to make the " payment due '' then another to apply to the principal it tells me that the payment is less than total amount due in turn not allowing me to complete the total amount due plus an additional principal only payment. 

In addition to this complaint, every time I've asked for a ledger of payments against principal they tell me they can not produce it but have one time.
Consumer complaint received 2021-04-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (FL)

I applied at Upgrade - all said and good, however, upon approval they asked for information - however, it was TOTALLY broad ... .simply asking for " two years federal tax return '' ... which return? business? personal? which pages? they have no right to my entire return, whether business or personal ... after having waiting 90 minutes on hold to speak to someone after they asked specific questions, they finally told me which specific pages/schedules were needed. this is just so wrong - some people would offer up way too much information. i chose to immediately close my line of credit that was approved because this company clearly has some issues that are clearly worth looking into.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I havent a job for several months. When   XXXX   called asking to make payment I did n't have anyway to make payment of  XXXX . so he called me a liar and told me how he knows I am lying ...
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Followed the instructions on annualcreditreport.com to secure my credit report from the three credit bureaus. 

XXXX and XXXX worked fine. 

Equifax have me a generic error : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' It then requests an onerous amount of personal information to be mailed in. 

It looks like they are obstructing the goal of an easy way to monitor your credit, for free, annually.
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: Experian Information Solutions Inc. (VA)

I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX # XXXX. Despite several complaints, Experian has not removed the egregious late payment from my account, despite being the only credit bureau reporting this inaccurate information. I am a victim of identity theft and notified Experian that multiple inquiries as well as charges were made in my name that I did not authorize. I sent 3 disputes via certified mail, beginning XX/XX/2020 as well as the police report. The inaccurate late period is dated for XX/XX/2020. Before I realized that unauthorized charges were made, I paid my account balance in full. When I disputed for the third time, I even provided Experian with the credit card statements for each account, as welI as my bank statements showing the amounts due, drafted from my account and drafted on time. Despite my disputes regarding these fraudulent late payments and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps this unverified late payment on my credit report. The other two bureaus have deleted the late payment, as they are incorrect, unverified and fraudulent. It has been 141 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any information that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These late payments need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.
Consumer complaint received 2022-11-02
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number XXXX XXXX ; XXXX  XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX ( XXXX  Account Number : XXXX ; XXXX XXXX  XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (IL)

I am writing to file a complaint against a debt collector who has violated my rights as a consumer. The debt collector in question, whose name is Convergent Outsourcing , Inc., had their license revoked in the state of Illinois, yet they continue to operate and attempt to collect debt. 
Despite, their revoked license, Convergent Outsourcing , Inc. has furnished inaccurate and misleading information on my credit report, which has caused me significant financial harm and damaged my credit score. 
Furthermore, Convergent Outsourcing, Inc.is in default with me, having failed to fulfill their obligations under our agreement. They have repeatedly harass me with constant phone calls and threatening letters, despite my attempts to resolve the situation. 
As a result of their illegal behavior, I am now suing Convergent Outsourcing , Inc . I believe that their actions are in clear violation of the Fair Debt Collection Practices Act on top of the Illinois laws the debt collector is violating without a proper license to do business in Illinois. I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter. 
I am requesting that the Consumer Financial protection Bureau take immediate action against this debt collector, and ensure that they are held accountable for their illegal and harassing behavior. Thank you for your attention to this matter.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

judgement was rendered in XXXX during XXXX. no notices were received or sent to corrected places of residence to me before or after said judgements were ongoing. Received some notices in XXXX but was not aware of who this was from so didn't respond. Bank account was frozen and that was when was notified of judgement of discharged credit card debt. called and made payment arrangements over phone to Receiver and thought that was it. Received another notice with different receiver today with same amount and case number. I am thinking this is fraud and am confused.
Consumer complaint received 2022-11-25
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (AL)

Date XX/XX/XXXX, American car center did thousands of people wrong. Customers employees. There are so many people trying to seek help. This business Westlake portfolio apparently took over debt from a car place. We were never notified. I reached out to the XXXX  to contact them. They refuse to provide any further information/assistances about me needing to pay them thousands of dollars. Which I do not owe. I had ONE payment left on one vehicle I purchased from them in XXXX, and they tried to charge me XXXXXXXX XXXX more than what I owed. They towed my vehicle while I was at XXXX. I have my lease agreement from the car place American car center. They are breaking all the rules I agreed too. I want answers. They just took my car.