davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch (MD)

I am a defendant in one of several cases filed on XX/XX/XXXX in the District Court for XXXX XXXX XXXX, XXXX, all of which involve the same debt collection company, XXXX XXXX XXXX. ( Attachment A ). However, on XX/XX/XXXX -- three weeks after these cases were filed -- Second Round Limited Partnership registered the plaintiff 's trade name, Second Round, LP, in Maryland ( Attachment B ). 

Therefore, the mere filing of these cases alone represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA provides that " no business, company, or organization may use a name other than its true name ''. ( See 15 U.S.C. 1692 ( e ) ( 14 ) ). 

Moreover, in each of these cases, the purported address of Texas-based Second Round, LP is the same as the Michigan address of the plaintiff 's Maryland-based attorney, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. ( Attachments C and D ). Thank you for your time and attention to this matter.
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (CA)

I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you
Consumer complaint received 2018-11-24
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. (MO)

TransUnion is reporting a detogatory collection from XXXX from XX/XX/2008 that should have been deleted after 7 years. The account has been on my report for 10 years and 10 months.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XX/XX/2019, Portfolio Recovery Associates, LLC ( " PRA '' ) agreed to a settlement on an account they had assumed from XXXX   XXXX XXXX. The original balance of the loan was {$8000.00}. The settlement reached was for {$4800.00}. They have been accepting payments, which have been made as scheduled, on that settled amount since the settlement was agreed to. However, PRA continues to write to me showing the amounts paid as being credited against the full {$8000.00} debt. They are also reporting the same to the credit agencies. This fraudulently makes it appear that I have an outstanding credit collection account of ( currently ) more than {$7000.00}, rather than the {$3000.00} that should be showing. 

I have written to them twice asking that they correctly report the amount owing and both times they have refused to make this correction and stop reporting the incorrect amount. 

I have not yet received the confirmed settlement letter from my debt resolution company, but it will be received shortly. I can forward it later. It shows the settlement of {$4800.00} was agreed to by PRA in XX/XX/2019. 

The Company is Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2018-11-24
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. (GA)

Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-11-24
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. (GA)

Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-06-11
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)

Trans union reinserted a debt from XXXX after removing per investigation. Per FTC US15 U.S. Code 1681i Trans Union MUST notify me within 5 days of reinserting this information on my credit report and send supporting details as to why. I have not received either therefore XXXX needs to be PERMANENTLY removed from my credit report. Also, the same debt is listed twice. One reflects closed and paid as agreed the other shows a number of late fees. this is also against FTC US15 U.S. Code 1681i.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX  XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX  XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.
Consumer complaint received 2019-09-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LDF Holdings, LLC (CA)

I had a payday loan with Sky Trail Cash and I stopped paying them because of financial stress. Received three calls today with voice mail to my XXXX, Wife and my work number which they stated a warrant will be issued to me re fraud and I was being sued. This information should not have been left on other peoples voice mail not at a work number. 

the collection company also spoofed the number they were calling from making it look like the were calling from the XXXX XXXX Superior Court. The number that showed up on the telephone was XXXX which is the court. the name of the person Calling was a XXXX XXXX stating he was a court processor for XXXX XXXX. There is no XXXX XXXX?? Scare tactic ... also the voice mail stated to call XXXX x XXXX ... 
The company that called me is XXXX XXXX regarding a debt from Sky Trail Cash a payday company..
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX  they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$490.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
Consumer complaint received 2023-01-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Experian is reporting a chargeoff as open. How can this be a duplicate dispute if Experian never contacted anyone for XXXX XXXX XXXX XXXX XXXX XXXXThe Last payment or DLA was XX/XX/2016 so how can a charge off continue to report a balance and be OPEN. This is a clear violation. Also IRS states a charge off is considered gross or ordinary income. It is canceled debt. According to the fairness and accuracy of reporting, Income should not be reported on a credit report. I never received a 1099, never received the signed purchase agreement with me and REAL TIME RESOLUTION and I never received the person or contacts information Experian receiveded to verify this account. Experian has not contacted anyone!!!!!!!!
Consumer complaint received 2019-09-05
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: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from Citibank on XX/XX/XXXX. I have never requested any of Citibank product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with Citibank was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to Citibank on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. before 30 days
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

PORTFOLIO RECOVERY ASSOCIATES, LLC a Foreign Business Entity registered in the state of Utah and Registered Foreign Collection Agency in the State of Utah. The registered address provided for the Business is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Registered Agent and Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX. The company continues to call phone numbers multiple times from multiple numbers and should never have these numbers provided to them in any fashion. The company called a campaign phone number which had been clearly identified as such on any information that would have linked it to me. They refuse to identify themselves as a debt collector when fishing for information and continue to utilize prohibited practices after they have been sent and informed that written communication is the only acceptable form of communication.
Consumer complaint received 2018-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX I called Santander Consumer USA to inform the company that I was surrendering the XXXX XXXX XXXX and I was leaving the car at the XXXX Dealership where I purchased the vehicle. The customer service representative who I spoke with indicated that she would note the account that I surrendered the vehicle. On XX/XX/XXXX I received a phone call from a representative indicating that they have nothing on record indicating that I surrendered the XXXX XXXX XXXX. Furthermore the customer service representative who I spoke with on XX/XX/XXXX was extremely rude.
Consumer complaint received 2018-11-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KS)

After requesting a forbearance 3 times, and after spending nearly {$20.00} on tracking fees through the USPS, I was finally sent a letter XX/XX/2018, stating I would be charged {$0.00}. Later in XXXX, I received a letter dated XX/XX/2018, with a billing for Unpaid Fees which states is based on Total Payment Due ( Past Due Amount ) {$0.00} + Current Amount Due {$0.00} + Unpaid Fees for which they are charging me {$61.00}. I have been on food assistance through Kansas Department for Children and Families. Last year I was told by a KDCF case worker that Navient can not charge me while receiving Food Assistance. From what I've read, Navient receives funds from the federal government. I am an unpaid XXXX for my very frail XXXX year old mother. I also have a physical XXXX as documented by Social Rehabilitation Services for which I received assistance while attending college. This payment is due XX/XX/2018. I will need to borrow this money and send a 2-day arrival which will cost another $ XXXX for a total of about {$70.00}. Why is it legal for Navient to charge an Unpaid Fee? This is not the first time I have been charged this Unpaid Fee. It happened last year as well.
Consumer complaint received 2023-05-26
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (HI)

Barclays Bank Delaware is the provider of XXXX XXXX Mastercard. 
Every time I go to the Barclays Bank of Delaware website the reporting of credit card information is inaccurate. The Credit Line less Current Balance NEVER equals the Available credit. Example today : Website reports : Credit Line = {$500.00}, Current Balance = $ {$320.00}, Available Credit = {$0.00}. Does NOT add up. Never does. 
Previous statement Balance = {$250.00}, Purchases ( posted ) = {$960.00}, payments ( posted ) = {$890.00} leaving balance of {$320.00}. Credit Line of {$500.00} less balance of {$320.00} should equal Available Credit of {$170.00} NOT {$0.00}. Even accounting for " Temporary Authorizations '' of {$16.00} the Available Credit should be {$160.00}. NOWHERE on the website is there an explanation of why Credit Line less Current Balance does not equal Available Credit. Fraudulent and highly unethical.
Consumer complaint received 2021-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should delete promptly.
Consumer complaint received 2022-06-11
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. (FL)

In accordance with the Fair Credit Reporting Act Convergent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America wrongfully closed my XXXX Benefits account and has held my remaining balance. Calls to Bank of America get new nowhere ; they continue to say call EDD unemployment office and that there is nothing they can do. The XXXX office has confirm there is NOTHING WRONG with my benefits claim, my identity is confirmed, and has switched my payments to paper checks that way Bank of America can no longer steal my money! There was {$2900.00} on my card and Bank of America has/are not returning it! In XX/XX/XXXX my card was compromised and hackers transferred {$5000.00} out the account to another Bank of America account. I filed a police report and reported to Bank of America via the number on back of card. A few weeks later the funds were sent back to my as a courtesy while investigation continued. Since XXXX I have been continuing to receive my eligible state benefits through Bank of America, and just yesterday was sent the payment for PUEC extension week ending XX/XX/XXXX, but when trying get updated balance I find out my account is closed. According to many news sites this seems to be a huge issue with Bank of America prepaid for XXXX, matter of fact there is a class action lawsuit for this exact case happening to thousands of others. I NEED MY MONEY BACK! 

https : XXXX? XXXX 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
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. (NY)

on XX/XX/XXXX The credit bureaus stated Account : XXXX XXXXXXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NC)

I reached out to the Department of Education requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the Department of Education I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've had a XXXX  account, in good standing, since XXXX. Around sometime in XXXX XXXX XXXX opened a " XXXX XXXX ' account additionally without any additional consent from me. That new account dinged my credit by lowering the average age of my credit. Then late XXXX they closed the original. That also took my credit lower because it looks like I lost a trade line and lowered available credit. They remarked it saying canceled by grantor. 

I previously sent disputes through transaction and equifax but they don't " investigate ''. They only respond back information verified. I want my points back. It's been a struggle to get here after covid
Consumer complaint received 2021-12-27
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. (NJ)

I noticed multiple accounts and Inquiries on my report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  Then there is a Auto Loan from XXXX XXXXXXXX XXXX which states its 30 days late in XXXX  30 days late in XXXX then 60 days late in XXXX which is not even possible