davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Columbia Recovery Group LLC (WA)

We moved out of our old apartment and broke the lease. However we aren't required to pay a penalty due to an error by our property management company. we notified the property management company on XX/XX/XXXX. that we are not legally required to pay the penatly to break the lease. we sent them an letter on XX/XX/XXXX as well stating all the infractions that they violated. They submitted our penatly to a collections agency anyway and we sent hem a letter on XX/XX/XXXX notifying we we wont have to pay this penatly. we received a letter on XX/XX/XXXX saying that our debt wil be sent to the collection agency if we did not pay within 10 days. The collections agency started leaving voicmails on girlfiends and I 's phone XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX, leaving a voiemail each time. on XX/XX/XXXX we received a letter in the mail from the collections agency saying we owed money to them. and that we can dispute the charges within the next 30 days.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one has retaliated against me again. This time using various " capital one " entities to drop my credit rating XXXX points to XXXX. Previously XXXX has been debited illegally and left as negative for the refund and subsequent false debits. XXXX
Consumer complaint received 2019-07-23
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: Upgrade, Inc. (NC)

I pulled my XXXX credit reports and found Upgrade had pulled my credit without authorization on XX/XX/2018. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they responded that the inquiry was a soft pull not a hard pull. However XXXX  shows the inquiry as a hard pull so I ma filing a dispute against Upgrade and XXXX to get the inquiry removed immediately.
Consumer complaint received 2019-07-23
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: ENCORE CAPITAL GROUP INC. (OK)

I recently sent an investigation/dispute letter on XXXX XXXX, XXXX to Mindland Funding which was delivered on XX/XX/XXXX, XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i Midland Funding had 30 days from the date they receive  my dispute letter XXXX XXXX ) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still haven't received a validation of this debt which nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX stating stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stated that I did my own investigation and that XXXX XXXX informed me the debt was sold for less then what is being collected for, with a charge off date of XX/XX/XXXX, and the account was opening on XX/XX/XXXX. This is not what my credit report is showing and according to the Fair Credit Reporting Act and The Fair Debt Collection Practice Act these account are to be deleted due to the lack of accurate information reported and not providing validation of the debt in the time frame allowed by FCRA. 

I received a letter form Midland Credit Management dates XX/XX/XXXX 4 months after the original investigation letter was sent out stating that their records are reporting correct and another letter stating I was pre-approved for a discount program to save me money. There was no validation sent to prove the debt its real or if the amount is correct. ANOTHER VIOLATION OF MY RIGHTS because I specifically request validation of the debt.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (NJ)

XXXX case number Hello, PAY ATTENTION EQUIFAX IS INSISTING I GAVE INFORMATION THAT IS WRONG BECAUSE IT DOES NOT MATCH THEIR INFORMATION. I DO NOT LIE I NEVER GAVE FALSE INFORMATION. I WANT THEM TO SHOW ME WHAT INFORMATION THEY THAT DOES NOT MATCH. NOW THEY SENT ME A SECOND REQUEST TO SUPPLY INFORMATION TO PROVE WHO I AM. 

GET THEM TO SEND ME THEIR INFO FIRST. I THINK THEIR INFO IS NOT MATCHING BECAUSE OF THE WAY THEY PULL IT FROM THE SYSTEM THEY PULL BY THE ADDRESS ALONE INSTEAD OF THE NAME AND ADDRESS. I LIVE WITH MY MOM I THINK THEY ARE GETTING HER INFO AND SAYING MINE IS NOT MATCHING AND IT SHOULD NOT IT IS MY MOMS INFO NOT MINE. I SAID THIS MORE THEN ONCE. I WILL NOT SUPPLY DOCUMENTS UNTIL THEY SHOW ME WHAT THEY CLAIM I AM GIVING TO THEM THAT IS FALSE INFORMATION.
Consumer complaint received 2022-01-20
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2019-07-23
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: Diversified Consultants, Inc. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$640.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened :XX/XX/XXXX Balance {$1000.00} Account Name : DIVERSIFIED CONSULTANTS Account Number :XXXX Date Opened :XXXX Balance {$2900.00} Account Name : XXXX/XXXX Account Number :XXXX Date Opened :XX/XX/XXXX Balance {$13000.00} Account Name : XXXX/XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$0.00}
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I had been closely monitoring my credit report and credit score for months, watching it go up. But when I was at a lender 's premises, Experian told them that my credit score was 44 points lower than what they had been telling ME for months! This ended up costing me hundreds of dollars - extremely unfair and infuriating. Apparently I'm not the only one that has had this happened to them. I went online and found many reports of the same thing happening to other consumers. Please help stop it.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams, Rush & Associates, LLC (AZ)

On XXXX XXXX I received an alert that a collection account had been posted to my XXXX   account. I went onto my XXXX account to find that a debt collection company called Williams Rush and Asso llc had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to XXXX XXXX to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days transunion had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came XXXX and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to williams rush and asso.to both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Harris & Harris, Ltd. (OR)

Harris and Harris debt collectors tried to reach my son at my phone number on XX/XX/XXXX. My son is on XXXX XXXX with the XXXX XXXX. They made a robo call to our phone number leaving a message that they wanted to speak to our son and have him call their number. 

I returned the call, I asked how do I know this was not a scam? She identified herself as Harris and Harris debt collectors and their client is the City of XXXX. She said they were trying to reach XXXX XXXX. They asked if they were speaking to " XXXX XXXX XXXX. '' I confirmed I was " XXXX XXXX XXXX. '' She said it was about an unpaid camera red light ticket in XXXX. I asked for the ticket number. She stated she needed to verify my address. I said, " OK. '' There was silence, then she said she needed my address. Go ahead. She said XXXX XXXX. I said no. She said she would remove my number from the file since it was the wrong address. 

Then on XX/XX/XXXX my wife received a live phone call from Harris and Harris after they had said they were removing the number. 

It should be noted that on the date that XXXX XXXX was alleged to have run a red light he was in basic training for the XXXX XXXX.
Consumer complaint received 2019-07-23
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. (UT)

I have been fighting with equifax since I started trying to fix all errors on my credit report I noticed in XXXX last year. The problem is everytime I sent something in the day they cant verify me. I've sent license birth certificate utility bill w2. For last 4 months they keep sending me this stupid letter that they cant verify me. I called twice. Both recorded and they said everything was good but yet here comes more letters saying they can't verify me. So than they are not investigating any of this bad stuff on my file even though they claim they are but yet I keep getting these letters. Its very frustrating and Im to the point of calling a lawyer
Consumer complaint received 2019-07-23
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: EQUIFAX, INC. (NC)

I pulled my Equifax credit reports and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2017. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.
Consumer complaint received 2018-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

On XX/XX/XXXX, the I received a letter dated XX/XX/XXXX from XXXX XXXX attorney, stating I have an outstanding balance due on a account from XXXX XXXX XXXX. 

I later received a letter from the same attorney stating that a notice had been filed of Substitution of Counsel dated XX/XX/XXXX, and received XX/XX/XXXX. This is the first notification the had received of a court case ever being filed on myself. 

Upon visiting the XXXX XXXX courthouse on XX/XX/XXXX and obtaining copies of the case, an examination of the records filed in court by the Plaintiff reveal that I was never properly served. 

The service addresses used were was at the location of XXXX XXXX XXXX XXXX XXXX XXXX, Indiana ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have never resided at that addresses. 

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX I had no prior knowledge of a court case having been filed against myself. 

I found out that a default judgement was entered against me on XX/XX/XXXX since I didn't show for the court date, ( again since I had received notification of the court date. ) After examining the records at the court house I filed for a motion to Vacate Judgement and the hearing was XX/XX/XXXX. The hearing has been continued until XX/XX/XXXX since there was only an affidavit filed and a generic agreement filed with nothing to identify me as the Defendant. 

I contacted XXXX XXXX to verify this debt with me well over a year ago since they were listed on my credit report. To date I have never received any verification of the debt. I had only learned that XXXX XXXX XXXX was the original lender by means of the letter they sent to me dated XX/XX/XXXX. 

It seems that XXXX XXXX has violated the agreement they signed on XX/XX/XXXX with the Consumer Financial Protection Bureau regarding the use off Affidavits and obtaining default or summary judgments without the required paperwork with regards to verification of the debt. 

I am not sure what to do as my next court date is a couple of months away and I do not know if the judgement will be vacated. 

How should I proceed with this?
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Last year, I requested a security freeze through the three credit agencies ( someone fraudulently tried to file my federal tax return ). While putting in an offer for a home, I contacted all three to temporarily lift the freeze so that we could get preapproved, Experian was fraught with issues. After providing all info accurately online, I received an error that I'd need to mail in my request ( 7-10 business days ). Their website didn't offer a phone number but I tracked one down, an entirely IVR based system, no humans, and again, the process couldn't be completed and I'd need to mail in the request. Unlike the other two agencies, they don't offer a single way to connect with a human ( I looked hard, there isn't one ). And, with their automated systems not functioning correctly, we might lose out on this house because there's no way to unfreeze my account in a timely manner.
Consumer complaint received 2022-01-20
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: TD BANK US HOLDING COMPANY (GA)

I noticed an account on my credit report in XX/XX/XXXX from a Nordstrom/TD Bank USA . I notice it was a couple of late payments and it looked like it had been opened since XXXX of XXXX. I didn't know about this because I don't have credit monitoring services. I contacted Nordstrom on XX/XX/XXXX but I was told by customer service I would have to send in a fraud affidavit with the fraudulent information because I didn't have the account information. I sent over my fraud affidavit along with a copy of my ID and a letter explaining I was a victim of Identity theft, it was received by the credit bureaus on XX/XX/XXXX and was verified as accurate on XX/XX/XXXX. I never received anything from Nordstrom, not a phone call or a letter. On XX/XX/XXXX, I sent the same documents over to the bureaus and on XX/XX/XXXX, the account came back verified again and the same thing, nothing from Nordstrom. On XX/XX/XXXX I sent the same documents again to the credit bureaus and Nordstrom verified the account as accurate on XX/XX/XXXX. I am now sending documents directly to Nordstrom and filing a complaint because I don't know exactly what to do at this point. It is hurting my credit score and hindering me from obtaining any kind of credit at this point.
Consumer complaint received 2019-07-23
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: Resurgent Capital Services L.P. (OK)

I sent LVNV Funding LLC C/O Resurgent Capital Services a certified investigation letter on XX/XX/XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i LVNV Funding LLC had 30 days from the date they receive my dispute letter ( XX/XX/XXXX) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still havent received any validation of this date, nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX which was delivered XX/XX/XXXX stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stating after doing my own investigation and contacting XXXX myself that the opening date was XX/XX/XXXX and that the debt was sold for way less then what is being collected for on my credit report. Based on FCRA this account is to be deleted now for failure to provide accurate information to the credit bureaus and failure to provide validation of the debt in the legal time allowed per the FCRA. 

I then receive a letter from Resurgent Capital Service dated XX/XX/XXXX stating that they are managing the account for LVNV Funding LLC and has initiated a review of the inquiry. A few weeks later I receive another letter from Resurgent Capital Service dated as XX/XX/XXXX stating that the account has been review and attached is the documents, which was just a signed contract. 

I requested validation of the debt back in XX/XX/XXXX which is 3 months past the legal time they originally received my letter per the Federal Fair Credit Report Act 15 U.S.C. 1681 ( I ). The signed contract that was sent DOESNT show if any payments has been made, if there was any additional interest fees was added, any collections fees, etc. ONCE AGAIN MY RIGHTS HAS BEEN VIOLATED per both The FDCPA and The FCRA because the letter I received from your facility didnt give any true validation of the amount of debt being collected.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Flatonia Investments, LLC (TX)

On XX/XX/XXXX Envoy reported our loan as closed 90 days past due. The loan is still open and has not been late on payments. We did make two payments to the old servicer during the 60 day window of the transition to the new servicer, and the old servicer ( XXXX ) refused to forward those payments or acknowledge them. As XXXX refused to forward these payments, we went ahead and made the same payments to XXXX XXXX. 

Also, Envoy sold their interest in the loan to XXXX XXXX in XXXX of XXXX. Why are they still reporting this loan on our credit report?
Consumer complaint received 2019-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: KEYCORP (TX)

The lender Key Bank is harassing me with phones calls on a number I never provided them as well as my XXXX father. They are calling from XXXX est time until XXXX cst. My fathers voicemail box is filled with calls from them within the first few hours Monday through Friday. Hes answered and asked them repeatedly to stop calling as well as faxed over a letter stating do not call his number and only communicate via mail regarding the student loan. They obtained my cell phone number from god knows where. They started the non stop calling back in XXXX where I spoke to a representative who advised me to fax over a letter stating not to call my number again and it would cease. They have again started calling my cell phone number over 10 times a day which have caused me to get in trouble at work and my hours have been reduced to less than part-time ( XXXX XXXX ) due to cell phone continually vibrating in my desk. Im allowed my phone for emergency purposes only for my daughter and they have made it impossible. Ive spoken to numerous of representatives and advised to stop calling my numbers even advised the do not call letters that were faxed over to them. They place me on hold each time for 30mins to come back and say well we are calling ... and I then cut them off and say did you find that document where you arent suppose to be calling, but sending it in writing. They then hang up only for the calls to continue by someone else, hours later. They are causing great stress to myself and my father and due to them harassing me has cut down my funds to pay my bills. We want the calls to stop and them to follow the consumer laws as well as the FDCPA. These harassing non-stop calls will lead to me seeking more than just a complaint if it causes me any more financial harm or stress. ( Ive received 3 calls while just typing this message from them ). I am able to provide any proof that needs, whether its the letters sent in ( XXXX, XXXX, XXXX ), call records, voicemails left, and documents sent from them which shows they received my do not call letters.