davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio RC continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to XXXX as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and Portfolio RC reported this to the bureau. Since that time the accounts have been removed 4 different times after Portfolio continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon. 

XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report. 

XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports * reinserts all three accounts back on my report. 
( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material. 

( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time Portfolio RC reports & reinserts these accounts on my XXXX  credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.
Consumer complaint received 2019-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (WA)

In 2014, I went to the emergency room. A month later I received a bill from that visit. I was covered through XXXX XXXX for University XXXX XXXX students. I went to the insurance on campus and showed them the bills. They told me that they never deny emergency room visits and they would check why it wasn't paid. I checked back in a month or two, and they told me that it had been paid off.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tower Loan of Mississippi, Inc. (AL)

When I applied for a loan mid XXXX, the underwriters said I had a judgement and owed XXXX to Tower Loan. I had no idea what they were talking about. I called Tower Loan and demanded a written letter saying my balance was paid and the judgement was an error. The supervisor gave me a letter and I sent it to the underwriter. She also said they would remove the judgement in public records. One week later it was still there and my credit showed a XXXX balance with Tower Loan. I called the attorney that submitted the judgement for Tower Loan dba XXXX. He apologized and said he would remove it. I reminded him that I was not notified of the judgement and the loan was paid XX/XX/XXXX in full. Tower Loan continued to list the XXXX balance with the 3 credit agencies. The judgement was removed yesterday, XX/XX/XXXX. And now the credit agencies say the loan was a charge off/bad debt and was paid between XX/XX/XXXX and XX/XX/XXXX. It looks like I had the debt and quickly paid it off when in fact the debt was fully paid inXX/XX/XXXXXX/XX/XXXX. I want Tower Loan to stop posting inaccurate and false information to the credit agencies. My scores fell 10 to 15 points because of false information! They also ran my credit without authorization 5 times!!!
Consumer complaint received 2019-01-09
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. (CA)

In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.
Consumer complaint received 2022-02-06
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. (NC)

I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (VA)

I have made more than 20 inquiries and complaints regarding my account with Citi to the XXXX XXXX XXXX, their company 's customer service numbers and chat feature via their app. I have been told false information and wasted my money to pay towards this debt in order to be placed in the hardship program, which their representatives refused to place me in even after I did what was said to be required of me. 

Since the covid 19 pandemic my income was drastically reduced, every single one of the companies I have credit cards with worked with me with the exception of theirs.

They have been mostly unreachable via their customer service number for months, long hold times and repeated hang ups.

Over the course of 7 months I have made countless inquiries to citi and was given false information causing my debt to increase in size with excessive fees, despite my attempts to resolve this matter with their customer service department. I was even told on numerous occasions to call back, when I explained if I called back at a later date I would incur another fee, something their representatives should be aware of. Instead of helping me to prevent this, they encouraged more time to pass so more fees would be placed upon my account. 

Even before this pandemic hit when I made a phone payment in XX/XX/2019 their customer service representative directly they told me the wrong amount due and proceeded to charge me a late fee for the following month. This was fault of their customer service and not my own. I have my phone and bank records to prove this.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I contacted Experian Credit reporting agency regarding my credit score decreasing by twenty-five points with having one of the nine reasons why such a decrease would occur to my score. 

RE : XXXX '' Back to Messages From : Membership Support XXXX To : '' XXXX '' XXXX Sent : Fri, XX/XX/XXXX XXXX AM I received no answer from your voice team and would like to have my concerns involving reference # XXXX addressed as to why none. 
of the nine reasons which justify the twenty-five-point decease which took place on my credit report, applied to my score, but the decease still took place. 

XXXX : " XXXX '' Back to Messages From : XXXX XXXX To : XXXX Sent : Fri, XX/XX/XXXX XXXX XXXX  I appreciate your attempt to provide good customer service in this matter, and I draw your attention to what you stated, " When you do have a score change, you can find a " What's changed '' section on your credit report. This will help you compare the changes that happened between report pulls that could have caused the score change ''. I have thoroughly compared the report from XXXX score XXXX Experian date XXXX XXXX, XXXX which was XXXX, and report from FICO score 8 Experian date XX/XX/XXXX which was XXXX no such information was provided as to what changed or any, " What's changed '' section that exist. I have printed both reports and will make sure my concerns are proper before filing my concerns with Consumer Financial Protection, I will also contact the Customer Care team at XXXX XXXX Monday through Friday XXXX XXXX  to XXXX XXXX and Saturday and Sunday XXXX XXXX  to XXXX XXXXXXXX  XXXX Time, as you suggested.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MN)

I started to receive debt collection mail communications dated from MRS Associates XXXX XXXX XXXX XXXX XXXX NJ XXXX for a credit card debt they say I owe. Through their website on or around XX/XX/22 I completed their online form to request a " Debt Validation Letter '' as is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) and asked that they stop contacting me and collecting on this debt until they prove that this debt is mine as is also within my rights. I received no response from MRS until I received a letter dated XX/XX/22 which again attempted to collect on this debt. I once again went to their website and completed their form the same day I received the letter again requesting a " Debt Validation Letter '' as is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) and again asked that they stop contacting me via all methods of communication until this is provided or I will be filing a complaint and that further violations can result in penalties up to $ XXXXcontact under the law. Today I received yet another letter attempting to collect on the debt dated XX/XX/22 and still have not received the Debt Validation Letter or any validation of the debt. I would appreciate any help you can provide as this collection agency is clearly not willing to follow the law as it is written.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-02-06
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. (TX)

This is regarding the failure to properly investigate the tradeline reported by XXXX in accordance with the FCRA. 

Please see ALL attached documents and the facts below. 
FACTS : XXXX states that the account that they are reporting was created in XX/XX/XXXX. 

XXXX did not have a correct email address or phone number on the account for me but the account was in my name. I never knew the account existed. 

I rented the XXXX XXXX XXXX XXXX property out to tenants in XX/XX/XXXX- XX/XX/XXXX. 

My residence address on my driver 's license did not change in XXXX of XXXX. XXXX did not obtain a copy of my drivers license from me. 

The address change on my driver 's license took place 17 months after an account was created with XXXX. This still does not validate the account ever being authorized. 

The facts are XXXX does not have any copies of identifying information to verify that I authorized an account with them and the biggest red flag is the amount of research that they seem to do on the back end but little to no research when creating an account. It does seem that XXXX should utilize their research up front to avoid unauthorized accounts being created.
Consumer complaint received 2022-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (LA)

ALDOUS & ASSOICATES PL at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-02-06
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)

Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These two late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit report.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USI Solutions Inc. (TX)

A debt collector from USI Solutions in XXXX XXXX, Pennsylvania, called my office and attempted to get information regarding an alleged debt of my fiance. The caller gave my office personal information and names. The caller than attempted to call my personal line. I told him I knew nothing about it and asked him to stop calling my personal number and to stop being aggressive and inappropriate with my office that I and they knew nothing about the matter. In a very threatening tone he then told me that he could and would continue to call anyone he wanted to in an attempt to find the individual he was trying to locate. My fiance supposedly even though it is a very common name. He said I had been " listed '' as a reference which I don't believe to be true and he made statements such as that he knew I had " passed along '' the information and that we needed to " stop dodging '' his phone calls. All of this is completely inappropriate and upsetting and I feel very intruded upon and was threatened with further harassment both personally and professionally regarding a matter I know absolutely nothing about and to which I have no legitimate connection. The calls originated from 2 numbers : XXXX and XXXX. Thank you.
Consumer complaint received 2018-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hammerman & Hultgren, P.C. (NC)

I owed credit card XXXX XXXX XXXX XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX XXXX Department. Previously I was contacted I had set up arrangements for paying them through XXXX From Debt, but had to drop them as it was a secured account. Received notice from Hammerman & Hultgren that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact XXXX to see if they would accept the offer. Sometime before the XX/XX/XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that Hammerman & Hultgren placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.
Consumer complaint received 2018-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

This is a complaint against BestBuy/CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (SC)

Re : Acct # XXXX To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there are 6 late payments reported for my account. I realize I recently fell on hard times and gotten behind in my payments, however, in addition to the recent late payments XXXX has reported that several other payments have been incorrectly reported as 30-59 days late. 

In the month of XX/XX/XXXX, XXXX XXXX XXXX recently reported that payment as 30-59 days late. During XX/XX/XXXX my due date for that payment was the XX/XX/XXXX of each month. My XX/XX/XXXX payment in the amount of {$390.00} was made on XX/XX/XXXX, which is actually prior to due date. 

Once again, my XX/XX/XXXX payment was recently reported 30-59 days late. My XX/XX/XXXX payment was due on XX/XX/XXXX ; my XX/XX/XXXX payment was posted to my account on XX/XX/XXXX, which is 14 days after due date. This is definitely not accurate as being reported on my credit report. 

Once again, my XX/XX/XXXX payment was report 30-59 days late. My XX/XX/XXXX payment was due on the XX/XX/XXXX. This payment was deferred at the suggestion of the customer service representative. 

In event of the inaccuracies of my payment history, I am writing to request that a resubmission of an accurate payment history is reported to all three credit bureaus. 
Thank You XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX XXXX : Copy of payment history from XXXX
Consumer complaint received 2018-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (GA)

I applied for an auto loan through Carvana and was originally approved for financing. When I  selected a vehicle and submitted the required documentation i was told by my underwriter that she had to adjust my income based on their own guidelines. As a result i was unable to finance the first vehicle i selected. I then proceeded to select a second vehicle within the guidelines set by my underwriter ( XXXX ). Upon completing all the requirements and a verification call with my bank to verify deposits I was told that they had everything they needed. I verified my funds for deposit and afterward i received a call saying that the guidelines that were set by my first under writer were no longer valid and that half of my income would not be accepted. I asked for a copy of the company 's financing policy that outlines acceptable and non accepted forms of income. I was denied this information. I believe that when i sent a copy of my license and they saw that i was XXXX they decided not to lend to me. There is no document or policy stated on their website that excludes any forms of income however i was denied because part of my income comes from online sales.