davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OR)

Follow up complaint to XXXX filed XX/XX/XXXX : Original complaint text : " I've recieved two letters from collection agency National Credit Adjusters ( 1st dated XX/XX/XXXX, 2nd one dated XX/XX/XXXX ). Both letters were a general debt collection settlement offer. Letters did not include correct information as required from FCRA. I responded to both of the letters ( sent via USPS certified mail ) with a debt verification request. I never heard a response back but company has continued attempting to collect reported debt in violation of FCRA. I've attached letters and proof of delivery. '' Response from company did not include debt verification items as requested : Documentation showing you have verified that I am responsible for this debt. 
Documentation showing you have purchased this reported debt. 
Documentation showing you are licensed to collect debts in California. 

Additionally the letter from the response by XXXX XXXX XXXX, XXXX. did not include the correct spelling of my name. In fact was spelled differently each time listed. This is creating additional questions into the legitimacy of this company/debt. 

Furthermore this letter still did not inform me I could or how to properly dispute the reported debt and is yet another violation of FCRA. 

I'm also requesting contact information for the agent for service of process. To include physical office location and normal working hours. 

I'm once again requesting this account be closed and removed from my credit report asap. The continued violations of my rights under FCRA is causing great harm to my well being.
Consumer complaint received 2021-07-28
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. (MA)

This letter is about the following accounts : XXXX : ACCT : # XXXX, which you claim, I owe {$11000.00} or my account was charged off {$11000.00} ]. 

This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with Equifax today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX  XXXX  and she was XXXX  ... she couldnt accept herself that she was XXXX  and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have written to both XXXX, XXXX XXXX, and Equifax multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I opened an account with XXXX in order to build my credit. I have successfully paid each and every single payment on time. I have never missed a payment. After several months, I was offered the opportunity to refinance my loan. XXXX  even acknolwedged that I had excellent payment history and I was successfully building my credit. I took this opportunity and refinanced my loan. ( I dont recall the exact date. ) Then after several more months, and still Never missing a payment, XXXX  once again acknowledged I had excellent payment history and never missing one payment, offered to let me refinance my loan again. I considered this carefully. I viewed my credit score. XXXX  recorded my credit score as just over XXXX. ( When I opened my account, it was barely above XXXX. ) I had seen my score raise by nearly 100 points. I looked over all my finances, and decided to refinance again. On XX/XX/XXXX I had received an email from XXXX XXXX who reflected that Transunion had dropped my credit score by XXXX points. I then received another email from XXXX XXXX that reflected that XXXX  had dropped my credit score by 52 points! I looked over my overall credit score which reflected that my credit score had dropped from XXXX to XXXX!!! Both XXXX and Transunion also reported that the only change to my credit file that was responsible was XXXX closing my financed account. I immediately made contact with XXXX. I have 100 % accurate complete payment history with XXXX, never missing a payment, and yet, doing business with them has caused severe damage to my credit report. The 101 point drop in my score clearly shows that XXXX  destroyed my credit far beyond what my loan was worth all so XXXX could profit. When I contacted XXXX, they gave a bunch of XXXX  excuses in an attempt to deflect blame and responsibility.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CO)

I have AMEX platinum credit card, and I added another AMEX gold card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by XXXX, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted AMEX teams, resulting in being bounced back and forth. We have talked to AMEX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NY)

Hi, I noticed some credit inquiries in my credit report of XXXX XXXX, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX  ONEMAIN FINANCIAL XXXX
Consumer complaint received 2019-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (CA)

In XXXX, I added my Savings account to my PayPal account to pay a business expense. My PayPal account was supposed to withdraw from existing PayPal funds first, then my credit card, then my Savings account. When I XXXX  out my PayPal account for an XXXX transaction, PayPal immediately withdrew from my Savings account ( which only allows 6 withdrawals a month due to Federal Regulations ). When I was notified of two direct withdraws, I complained to PayPal and then switched my primary payment from my PayPal funds to my credit card. PayPal continued to bill my Savings account directly regardless without my explicit authorization and resulting in my bank charging me an initial {$10.00} transfer fee ( I expect another {$20.00} for the remaining two unauthorized charges ). 

I then tried to remove PayPal 's access from my Savings account on several occasions online, and the service simply won't allow me to remove it.
Consumer complaint received 2019-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Have talked to a representative about the account that Portfolio Recovery is calling about, in XXXX, is has continued harassing phone calls for the 16 days. Here is a detailed list of repeated phones calls they have made since then : XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 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 ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant 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 XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I do not know these accounts reporting in my file. Please help me get them removed. 

CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) THE XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NJ)

Westlake Financial received the final payment on my car loan and told me that out of the XXXX in additional fees that I owed theyd agree to wave $ XXXXThey said that I had until the first of the next month to bring the balance to XXXX  and receive my title ; however, failed to mention that they were adding interest into the fees owed if that is even possible. I called in to pay my fees and arrange for my title to be sent. I spoke with customer service representative XXXX. He alerted me that Id need to pay an additional XXXX in fees in order to get my car title bringing the balance up to {$180.00}. I informed him that this was predatory and that I didnt have extra money to give them as I am not currently working and I gave all I had. They are still adding on extra fees daily and refusing for me to pay the original balance of {$60.00} after the XXXX they agreed to wave without paying the excess amount that they tacked on the last past 18 days.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX  Acct. # last XXXX digits 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 Sectio 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-07
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. (ME)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section XXXX and XXXX XXXX XXXX XXXX once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS LENDING CORPORATION (AR)

We bought our home in 2016 and financed with Nations Lending. On average we get about 2-3 letters a week from our mortgage company threatening us with foreclosure. 
Our mortgage payments are automatically deducted from my husband 's account. He is paid bi-weekly and may or may not have the entire payment in his account on the XXXX of the month, but always has it shortly there after. Basically, the mortgage payment is always made within 10 days of it being due. However, the letters keep coming. The mortgage company also sends someone to our home once a month to " survey our property ''. They always leave notes on the door that they have been there. We are never home because they come during the day while we are at work. 
This will be the 3rd home that I have purchased and I have never been treated this way by a mortgage company. 
The constant letters have caused problems between my husband and I. Whey they first began, I assumed he wasn't making our house payments. That created trust issues between us. Once I called the mortgage company and questioned them about this practice, I realized what they were doing. They were completely unapologetic and refused to refrain from sending the threatening letters to our home. Some times they even send them certified mail. I would go as far to say that what they are doing is harassment. To come onto my property and invade my privacy on a monthly basis should be illegal. What if I was in my backyard sun bathing in the XXXX by our pool? They should not be allowed to come onto our property without permission. And they should NOT be permitted to continue harassing us with threatening letters. I could understand if were several months behind on our mortgage, but we are never behind more than 10-15 days. I have tried to work this out with the mortgage company, but they refuse. They even tried to insinuate that we needed assistance paying our mortgage payments and suggested we apply for help. I no longer trust them and I don't believe anything that they tell me. The complaints against this company online are numerous. Apparently they do this to a lot of people. It should not be allowed.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: 21ST MORTGAGE CORP. (GA)

Requested the total payoff from 21st Mortgage. They sent it and said it was good through XX/XX/XXXX. I sent payment through a lawyer on XXXX. Then 21st says their quote was wrong and didn't include taxes and insurance for the property. They said their system didn't calclate it. We said that was their fault, and they rudly said it was our problem. I sold the property to my fiance and now he can't take ownership despite paying them what they originally said I owed. They said not only will they not give me back my Escrow, but I owe them even more money. They said I had to call the insurance company and get their money back or they wouldn't let my Fiance take ownership. I can not think of a better example of extortion.
Consumer complaint received 2021-07-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Royal Pacific Funding Corporation (CA)

Not Sure Where To Begin But My Older Son XXXX XXXX Has Not Been Paying Off The Mortgage For Some Time Now And I Hate To Lose The House My Late Husband And I Sacrificed So Hard For Throughout Our Lives. I Been At XXXX XXXX XXXX. Since XXXX Of XXXX. Sadly I Lost My Husband In XXXX. But My Son XXXX Took Over All The Finances, Unfortunately Though Things Haven't Been For Good. It's All For His Own Personal Financial Gain. Especially Now That He Finally Found Someone And Decided To Marry And Bring Into Our Home. I'm Scared Of XXXX Everything. My Younger Son XXXX Would Be A Better Fit. Although His Significant Other Suffers From Various Health Issues On A Daily Basis And He Also Is Raising A XXXX Year Old XXXX XXXX Child. I Don't Know What To Do! I'm Sad And Lost And Everyday I Get Older. My Loan Number Is : XXXX With XXXX XXXX Funding. I've Even Let My Mortgage Company Know Of This Situation But To No Avail. I DON'T WANT TO LOSE MY HOUSE! Please. My Son XXXX Even Pressured Me Into Adding Himself To The Deed Of The House Back On XXXX XXXX And Tricked Me Thinking I Was Adding Both Of My Sons, XXXX And XXXX. Who Can Help Me??!!! Time Is Of The Essence.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (AL)

World Finance is reporting a PAID account on my report incorrectly. The account is NOT being reported that it is paid on my XXXX  and XXXX  reports. This is NOT fair to me. I paid the account earlier this year. The company has had plenty of time to report that the account is paid, but they have not changed the account status to paid. This is against the law.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have written to both XXXX, XXXX XXXX, and XXXX multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2019-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Had to call around to find out what it was that pop up on my credit and they said its money owed to them by me. I do not owe this company or their creditor any money. fraud charges were made on my account. I have directly requested from this company physical proof that i owe the amount displayed on my credit file from this negative account. This company could not provide any documents to prove this account or a contract with my signature binding me, them or the creditor.
Consumer complaint received 2021-12-31
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. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.