davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
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. (LA)

XX/XX/18 XXXX, Equifax, XXXX Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year.

After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF.

NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: V and H Portfolio (SC)

I do not recognize having any agreement with vance and huffman llc and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with vance and huffman .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (GA)

The following inquiries were not made by me, please deleted them from my credit report : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. To prevent this from happening I have requested the companies to only allow applications in person, placed a fraud alert on all 3 of my credit reports and I have frozen all 3 credit bureaus.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

LVNV FUNDING LLC has an alleged debt listed on my credit report I don't have a contract with this company at all. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2018-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient has arbitrarily and without warning increased my student loan interest rates five times, yes you read that right, FIVE TIMES, in the last year alone. That is more than the last 6 years combined. Not to mention they purposefully delay payments that you have made for days on end. There is absolutely no reason that a payment I made on Friday morning has still not gone through Monday afternoon. Absolutely no reason at all. I know the Consumer Financial Protection Bureau and the Department of Education are both run by severely corrupt individuals, who are on par in corrupt practices with XXXX  and just as greedy, but mark my words one day the CFPB and the Department of Education will be run by people who actually do their jobs, which is protect people not corporations, and Navient will pay for their shady business practices.
Consumer complaint received 2023-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I closed on a mortgage with PENNYMAC mortgage company in XXXX XXXX XXXX. My First Mortgage payment was due on XX/XX/XXXX an received by PENNYMAC on time with no problems in the amount of XXXX and was posted on XX/XX/XXXX The next payment was sent on. The second payment for the mortgage was paid on XX/XX/XXXX in the amount of XXXX and was received by PENNYMAC and was posted on XX/XX/XXXX. Third payment in the amount of XXXX was received and posted on XXXX/XXXX/XXXX. This is when the problem started. I called PENNYMAC because the check had not been cashed. They told me they did not received the payment. I spoke with a supervisor and he read me the rules about late payments. because monday was a holiday the transaction took place on that Tuesday. Just so happen they found and cashed the check on time. PENNYMAC is trying to get me to do automatic deduction or pay by phone. Fourth payment for XX/XX/XXXX was received and posted on time XX/XX/XXXX. The fifth payment was never received. I call them to day and they say they did not receive the fifth payment of XXXX. WE payed a post mark fee for proof of mailing. The supervisor said he would waive the late fee until the XXXX of XXXX XXXX i was with XXXX XXXX  for my last mortgage and never had problem with lost check. I think they are not telling me the truth. I think they are holding my check to force me to make automatic deductions
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (GA)

The following inquiries were not made by me, please deleted them from my credit report : XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To prevent this from happening I have requested the companies to only allow applications in person, placed a fraud alert on all 3 of my credit reports and I have frozen all 3 credit bureaus.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Recovery Corporation (CA)

Hello, I am writing to dispute a collection reflecting on my credit report.

Creditor : UNIVERSAL RE Amount : {$74.00} Date Opened XX/XX/XXXX This shows it's a debt for an insurance agency. I do not recall this payment and was not notified of this bill until I pulled my credit recently.

I have called this creditor to get this resolved but they can not guarantee this can be removed even if I pay this.

I would like to request this debt to be Removed from my credit report.

Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX
Consumer complaint received 2018-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XXXX I sent a response to a Collection Agency named Portfolio Recovery Associates LLC who claim that I have a debt of {$970.00} through XXXX XXXX. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (NC)

In accordance with the fair credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (WA)

Barclays Bank refuses to close my credit card account. They also refuse to admit that it remains open. When I call, they insist that it has been closed since XXXX, XXXX. In XXXX, XXXX, they applied fraudulent transactions to my account. Over 9 phone calls and 2 months, Barclays staff consistently admitted that I was not liable for the charges and repeatedly made false promises that the charges would be removed. At one point, they even duplicated the false charges. After ten phone calls, they finally removed the false charges and returned my money to me. Barclays representatives also assured me that the account was closed. On two occasions, I even made calls specifically to verify that the account was closed, including on XX/XX/XXXX, and on XX/XX/XXXX. I made these calls separately from my calls about the false charges, and I documented them as separate calls just for verifying the closure. Barclays staff insisted on both occasions that the account had already been closed, and that I would receive a final statement no more than 90 days after its closure. On the second occasion, I asked to receive a paper statement acknowledging the closure of the account, and was told that one should have been sent to me, and that I am not allowed to have another one. I asked for an e-mail confirming that my account was closed, and this request was also denied. Today, XX/XX/XXXX, Barclays has issued me a bill for an account renewal fee of {$99.00}. 

I am attaching the following evidence : ( 1 ) an annual statement that shows no charges were made on my account by me after XX/XX/XXXX, ( 2 ) Statements from XX/XX/XXXX and XX/XX/XXXX showing an account balance of XXXX dollars, with the exception of the annual fee, ( 3 ) a screenshot of my account, showing the annual fee and new balance of {$99.00}, ( 4 ) a letter I wrote to CEO XXXX XXXX of XXXX XXXX dated XX/XX/XXXX, in which I asked Mr. XXXX to end his company 's business relationship with Barclays. This letter details, with contemporaneous notes, the misconduct of Barclays, and states that I am still waiting on the closure of my account.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is selling deceptive information to Experian who is also reporting this deceptive information on my consumer report. Before adding this allege debt to my consumer each company was required under law to send me a notice with my right to dispute this information BEFORE it was added to my consumer report. I did not receive this notice and XXXX XXXX XXXX did not receive authorization from the courts to pursue me to make me pay this debt.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (AZ)

I have an open collection account on my credit report for a XXXX account that I have never been past due on and is still open and active. I contacted XXXX several times to confirm this and offered additional payment. I have not received an invoice or any itemized list of what this amount includes after submitting a dispute. I tried contacting the collection agency, Credit Management, to pay this balance so that this can be removed from my credit report as it is negatively impacting my ability to rent an apartment. They refuse to accept payment or do anything with this account so I'm not sure why this is being reported, what it is being reported for, and who I need to pay to settle the account and have this debt removed from my credit report so that I can participate in society by renting an apartment instead of living in my car.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (AZ)

On XX/XX/2017 I recieved a debt I felt I shouldnt have to pay from a apartment I use to live at amount is XXXX we told the lady we was leaving and we finish our lease but she told us if we dont come sign papers then we automatically will been put into a month to month contract so weird right? How are you going to put us into something without or permission all we have to do is tell you we are not resigning to stay just like any other apartment I stayed or anybody else I know stayed everyone I talked to said that sounds stupid and looks like they are trying to get over on you. This is wrong
Consumer complaint received 2018-05-17
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)

Wrote letters about 45 days ago with the results of verified XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2018-05-17
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. (PA)

Hello, I checked my personal credit report, and I noticed that I have been a victim of inquiry issue for TransUnion. 

TransUnion credit report shows that there has been a hard inquiry done on my credit report on XX/XX/2018 by XXXXXXXX XXXX, XXXX, DE XXXX. I do not recognize this. 

I contacted XXXX, and called TransUnion ( and submitted an online dispute at their website ) to remove this credit inquiry from my credit profile. Unfortunately, they were not cooperative at all. I tried convincing them but I got absolutely no help from XXXX. TransUnion was not of any help either as they simply referred me to XXXX and denied any other help. 

I request that you initiate an investigation into this inquiry on my credit report. I would like TransUnion to remove this inquiry from my credit report as I do not think it is correct. 

Thank you for your assistance in this matter.
Consumer complaint received 2018-04-24
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: Mobiloans, LLC (FL)

I have credit monitoring. I was alerted that there was a hard inquiry on my report XX/XX/2018. I checked the company out & dont recognize it. Nor have I applied for anything recently. I called them & they offer no help & can't tell me anything. I want to know who used my social to try & get a loan & i want the inquiry removed.
Consumer complaint received 2018-12-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC (PA)

XXXX XXXX XXXX XXXX billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to XXXX, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Capital One money market account in early XX/XX/2018 in response to an offer in which they promised {$500.00} if I used offer code OFFER500 and made at least {$50000.00} in deposits between XX/XX/XXXX and XX/XX/XXXX. I deposited over {$50000.00} during this period and had met all terms of the offer on XX/XX/XXXX.

For your reference, these were the complete terms of the offer, available here : XXXX XXXX XXXX XXXX XXXX  " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX XXXX on XX/XX/2018, and XXXX XXXX XXXX   on XX/XX/2018. When you open your account, enter your promotional codeOFFER500. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/2016, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account.

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. '' I had met all the requirements that Capital One had listed on XX/XX/XXXX, and should have been credited the {$500.00} by XX/XX/XXXX, but Capital One did not award the bonus. I spoke with a manager at Capital One subsequently and he insisted that my account would be denied the bonus because, according to him, the offer included minimum balance requirements and not {$50000.00} in deposits but rather " {$50000.00} in 'net ' deposits. '' The terms of the offer are unambiguous and do not include anything about " net '' deposits or minimum balance requirements, simply that I make over {$50000.00} in deposits within the time frame, which I did. The terms say " deposit at least {$50000.00} between XXXX XXXX XXXX on XX/XX/2018, and XXXX XXXX XXXX on XX/XX/2018. '' It is really unfair for the bank to invent new conditions after the fact that were never part of the fine print that I agreed to when I opened the account. Capital One is trying to pull a bait & switch and change the terms of their contract. I met all the terms that the offer listed ; it is outrageous that the bank can try to make up new conditions that were never part of our agreement.
Consumer complaint received 2022-03-30
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. (CA)

I need assistance in requiring the credit reporting agencies XXXX, Transunion, and XXXX to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed XXXX notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.
Consumer complaint received 2018-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

XXXX XXXX of Guaranteed Rate discriminated against me because of my XXXX, my income from a XXXX, my income from employment, my race, my ethnicity, my national origin, between the dates of XX/XX/XXXX to XX/XX/XXXX.