davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bridgecrest Acceptance Corporation (MS)

XXXX  legal group has bought my credit information from Bridgecrest acceptance. I gave bridgecrest the auto because the transmission went out on me on a busy bridge which could have cost me and my kid our life. They promised me that they would not share my information but yet they sold my information to XXXX legal. Now XXXX legal is threatening to sue me for a car that bridgecrest has sold again.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery Associates, LLC ( " '' PRA '' '' ) Company Address : XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX. to XXXX  XXXX XXXX-XXXX  XXXX, XXXX  XXXX XXXX-XXXX  XXXX, XXXX  XXXX XXXX- XXXX XXXX ( ET ) XXXX Alleged debt amount : {$1000.00} Alleged debt amount : {$1200.00} Alleged debt amount : {$2500.00} To whom it may concern, I would like to bring to your attention the violations committed by the company, Portfolio Recovery Associates , against me and my credit report. I have no signed contractual agreement with this company, yet they have fraudulently posted 3 alleged debt balances on my credit reports, which include but not limited to the credit bureaus XXXX, XXXX, and XXXX. I have repeatedly asked them to properly validate the debts, which include : 1 ) An original signed contract with blue ink 2 ) An IP address attached to my digital signature/email address 3 ) A video surveillance of my person enrolling in the account Portfolio Recovery Associates have refused to provide me any of the above and remove this false information from my credit reports ; instead, theyve sent me a bunch of spreadsheets and mostly blank pages with very little data on them. No signature or contracts! 

I have repeatedly told them that I am a Social Security XXXX recipient, and I believe they are trying to garnish my SSDI ( XXXX income ). Ive sent them a letter from my primary doctor confirming my medical condition, as well as an award letter from the Social Security Administration. Ive researched their company and found out that they have a history of fraudulent behavior violating the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act and being out of compliance, including using illegal tactics against unwary consumers. 

You can find in the link below, a news article where Portfolio Recovery Associates agreed to a {$4.00} XXXX dollar settlement with Mass. Attorney General for deceptive and unfair practices https : XXXX This major national debt buyer systematically and repeatedly broke our laws, lied to vulnerable consumers with exempt income, and collected debts they couldnt even prove were owed, Massachusetts Attorney General XXXX XXXX said . 

Below is another article highlighting their deceptive practices : CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debt Encore and Portfolio Recovery Associates Must Refund Millions of Dollars and Overhaul Debt Collection and Litigation Practices https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/ Its obvious Portfolio Recovery Associates have not learned their lesson and continue to  engage in illegal activity. Because of this, they have forced me to take further action! I have included documents with this submission.
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

Please do not mark this as a duplicate complaint as NEW INFORMATION IS BEING PRESENTED to you. I requested validation from LJ ROSS and was sent forged documents. Please see the attached documents that show no indebtedness nor obligation between myself and LJ ROSS. It literally was two pieces of paper with medical codes, no signature showing an agreement between myself and LJ ROSS nor the " original creditor ''. I'm very worried now because I have no idea how they got access to my social security number to place this on my consumer reports. They never marked my account as " disputed '' although I've been disputing this alleged debt over three months now which is a violation of the fair credit reporting act. I am seeking to have this rectified once and for all because this is negatively impacting my name, reputation, and brand. Please investigate this company.
Consumer complaint received 2022-02-12
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. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I applied for a mortgage modification in XXXX of 2021. I followed all the instructions I was given to have my mortgage modified. The modification was approved, and I was sent documents to sign and have notarized. I did, and I returned the document as instructed. I called to find out why my modification was not process and they said that the notary did not include my full name so I would have to get the documents re-notarized. I did and sent the documents back within 2 days of finding out I had to have the documents re-notarized. About a week later I got a phone call from PHH Mortgage, and they said my load was in default. The representative to talked to me said there was nothing they could do because the denial letter had already been sent.
Consumer complaint received 2020-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I am referring back to a complaint I submitted last week the company 's response was that they are not affiliated with this loan and they ARE. Loan Care affiliated with law firm XXXX XXXX that took over for XXXX XXXX. Loan Care has mishandled my mortgage and my home is at stake!!
Consumer complaint received 2021-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I got an email from XXXX stating that I could apply to an XXXX Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my Transunion by XXXX. They refuse to do so. 
This is misleading advertising.
Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (NV)

I have a project to purchase a home and I not available to prove due to my file on my previous mortgages show that has balance since the mortgages has been paid in full I need to remove or show that has been paid in full because that wrong information is affected my purchase home. 
Also I have been sent a document to prove on my complaint
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

An unauthorized charge for {$2000.00} was charged to my Capitol one credit card. I have disputed it several times even sending certified letters yet Capitol One acts as if I haven't substantiated my claim when I have done so over and over submitting the same documentation. I am exhausted trying to resolve things with Capitol One. They keep you on hold indefinitely when you I call. They have charged me interest and late fees on an unauthorized charge.They also closed my other Capitol one account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One charges late payment fees since month of XX/XX/2021 until XX/XX/2021 when reported on COVID 19 assistance, and reduced income. The {$38.00} fees is posted to the balance in excess fees on the remainder balance which is accounted to {$260.00}. I have currently catch up with payments which takes XXXX business to post limiting credit on available purchase due to hold put upfront, I spoke with supervisor of customer service complaint team, and they said that they don't have way to reverse these late fees on system which acts slow in processing payment electronically between banks. One recommendation I got from Capital One customer service was to go cash out money from the bank, and pay it to nearby Capital One Bank credit card department which sounded inappropriate. This doesn't seem to be service as usual during COVID 19. Capital One is incurring recurring late payment fees when system takes XXXX business days to post payment by putting hold.
Consumer complaint received 2021-02-19
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: FIRST ADVANTAGE CORPORATION (CA)

XXXX XXXX XXXX charge me for ending my lease early. Date move in was XX/XX/XXXX XX/XX/XXXX I gave my 30 days notice on XX/XX/XXXX. My expires date was XX/XX/XXXX. I left on a emergency situation. Property Manager kept my security deposit and charge me {$820.00} and put my name on, XXXX XXXX XXXX XXXX. I have made payment and ask for a letter. I have been getting the play voice over the phone for one year. Every time I apply for an apartment I get turn down I am on subsidized housing and my credit score shouldn't have anything to do with my past.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (VT)

On XXXX I received this unsolicited email from XXXX ( I have no prior relationship with this company, so this is unsolicited email # 1. It also purports to have sent me a debit card that I did not request. ) " " You've taken the first step towards opening a Netspend All-Access Account by XXXX. Your new Netspend All-Access Account by XXXX materials should arrive in XXXX business days. Once you receive your Account Materials, be sure to activate your debit card and verify your identity. 
" " I have received subsequent emails about " activation '' on XXXX XXXX XXXX XXXX and XXXX I have not received this purported debit card, and worry that it could be in the hands of an identity thief.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had lost my job and couldn't make payment because of my son illness. I contacted the bank for help but no help. I had so many late fees and the interest kept going up because I could make the payments. But I was told if I paid a amount every month I wouldn't get late payments on my credit but I did.
Consumer complaint received 2022-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

Reports different amounts to XXXX, XXXX XXXX XXXX. Constantly adjust the amount by {$1.00} ( {$670.00} ) positive {$1.00} negative ( {$670.00} ) monthly. The account is being re-aged. The inaccuracy is damaging to my credit I have wrote many letters. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-02-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (TN)

In XXXX of 2020 One Main FinanciaXXXX added a late payment on my credit report even though they were made aware more than once that I was out of work due to XXXX XXXX. I work in the transportation and hospitality industry which was adversely impacted by the pandemic. When I recently contacted them they acted like they could care less and stated that they wont remove the item even though they know how hard 2020 was for everyone.
Consumer complaint received 2022-02-13
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. (FL)

There is an account with number of XXXX by XXXX XXXX XXXX XXXX that as of XX/XX/XXXX reflects inaccurate information to the credit reporting agency as a charge off in the amount of {$2900.00} as of XX/XX/XXXX. 

I have requested multiple occasions the validation of this account from the furnisher but have failed to receive any information or documentation pertaining to his account. 

This account was fraudulently opened by a business who was no longer in business at the time this account went into collections. I have researched this account and the business that it was purchased under is no longer operating under the state of Florida. The lease agreement under XXXX XXXX XXXX XXXX was for a vehicle sale which the business at the time agreed upon under my name. An actual vehicle sale, not an accessory but an actual vehicle. I do not believe XXXX has the authority in the state of Florida to proceed in the purchase of automobiles. 

This account needs to be removed from my report immediately due to the activity that occurred in XXXX and resulted in a charge off to my credit file.
Consumer complaint received 2022-10-02
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My account with Kohls XXXX XXXX  was settled, paid and closed over 6 years ago. At the time we settled and agreed as to a repayment plan, Kohls promised to remove this negative account from my credit once paid in full. To date it is still negatively affecting my credit score and they have refused to remove it. I have disputed this issue several times, to no avail. Kohls continues to report this account as delinquent accurate information which is not. I have paid them and they have not kept their promise to remove it. I have worked very hard to rebuild my credit and have kept it in good standing since my time of hardship. Please help me remove this negative account from my credit as it is far too old to still be affecting me.
Consumer complaint received 2020-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I had a car loan with XXXX XXXX XXXX XXXX in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, XXXX XXXX sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now XXXX XXXX and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling XXXX XXXX XXXX XXXX and getting nowhere and being continuously hung up on.
Consumer complaint received 2022-02-12
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. (CA)

I appreciate if the CFPB do not closed this complaint until Equifax has resolved this problem. I have requested over 4 to 5 times Equifax explain the discrepancy in their Fico score and the other two credit reporting agencies. Here are the scores for XXXX XXXX XXXX, and XXXX XXXX, while Equifax have my score at XXXX with the same accounts. this is a large discrepancy the I wish be corrected immediately. This is causing issues for me to purchase and job opportunities. Equifax has all the information needed to resolve this problem.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-22
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. (MO)

Yes I am XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been stolen from by my wife 's sister XXXX XXXX of XXXX and XXXX Missouri she stole our identitis turns out couple decades ago for reason of trust fund in my name and information My Treasury direct account in my social security number XXXX XXXX XXXX her sister has spent alot of our money and assets impersonating us and we want her AREESTED there is proof online her sister had XXXX money and now XXXX. XXXX XXXX net worth and record 's gives long list of her crimes and also XXXX XXXX XXXX XXXX XXXXXXXX XXXX net worth and XXXX XXXX My wife net worth. It's All there online for her arrest because My wife and I are just now getting information about her despicable crimes against us. Our only address is XXXX XXXX XXXX XXXX XXXX XXXX  Missouri XXXX our only email is XXXX our only phone number is XXXX XXXX XXXX .. we want our legal trust fund and assets my social security number is XXXX XXXX XXXX
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After getting approved for a spark credit card they abruptly shut down my card without giving any explanation. When asked what will happen with my XXXX $ in rewards I had left they assured me Ill receive a check within 1-2 weeks. It has now been 6 months and when I call they say they are not allowed to talk to me
Consumer complaint received 2021-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person.