davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the FCRA, the following accounts have violated my rights. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 also states a conumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions. 15 USC 1666 B states addedly, that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY reason.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MN)

I received a call from LJ Ross Associates ( https : //www.ljross.com/ ) on XX/XX/20. The very rude individual claimed that I owed XXXX XXXX XXXX XXXX XXXX {$68.00}. 

I had lived in the greater XXXX XXXX area 2 years ago. They correctly stated my street address from that residence. 

Due to the aggressive nature of the call and my knowledge that I did not owe XXXX XXXX XXXX anything, I ended the call. I then called XXXX XXXX XXXX, who researched my past account and verified that I had paid all balances and closed the account properly. They also verified that they had not enlisted a collections agency as I had no debt with them. 

I called LJ Ross Associates the next day ( XX/XX/20 ). The same person answered the phone ( a very young-sounding female ). She was able to identify my account from my phone number, but incorrectly gave my address as the title company in XXXX, CA that handled my home sale. She then correctly stated my prior home address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA ). 

I informed her about my conversation with XXXX XXXX XXXX. She told me that was not true, and that they had been retained by XXXX XXXX XXXX Accounts Payable, and that I should call them and talk to a Supervisor. I informed her I had spoked to a Supervisor, and again informed her what they had said. She said that they had all my info, including my social security number, and that if I did not pay they would escalate collection procedures. 

I asked what State they operated in, as I was going to call law enforcement. She said " Good luck with that '' and hung up. 

I am very concerned that this entity has my information. Please direct me how I can file a claim against this company.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2018-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I lost my job and receive unemployment insurance. I am also part of the Keep your home California program. My loan care the mortgage service company told me that I was enrolled into a new program without my knowledge and as part of this program I would NOT be notified if my mortgage payment was late. I received a credit notification that my credit score went down significantly and when I inquired as to the reason I found out that My loan care placed a 30 day late on my mortgage. I was never once notified about my mortgage being late. My loan care stated that as part of this new program that I was enrolled in ( with out my knowledge ) that i would no longer receive notices if my loan was late. They would only ding your credit and not tell you about it at all. I asked to speak to a manager and still have not received a phone call back. As soon as I found out that my loan was late I promptly paid the payment but cant get them to remove the 30 day late notice from my credit report.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

There are numerous previous complaints I have filed with you regarding SPS ( SELECT PORTFOLIO SERVICES. 
Each time they claim they need only one document which I always email and have all records. 
Most of the time I'm on phone with an ombudsman representative ad sit on phone till they confirm they received what the wanted.Now they r violating federal law and DUAL-TRACKING my case. 
I HAVE EMAILED EVERYTHING THEY HAVE NEEDED COMPLETLY directly too XXXX   XXXX ( OMBUDSMAN ) each time and spoke to her on XX/XX/XXXX, when again they said only need explaination of my income which I did MULTIPLE TIMES. 
So XXXX  spoke to XXXX XXXX her partner in ombudsman than came back on phone and assured me XXXX WAS EMAILING FORECLOSURE DEPARTMENT WITH EXPLAINATIO THEY R LOOKING FOR and everything will be stopped. 
Well this past saturday I received documents that XXXX XXXX  XXXX filed all motions to get judgement and sale. 
They filed this XXXX DAY AFTER I TALKED TOO XXXX and was assured all was good. 
All weekend and yesterday I attempted too get this stopped. 
I sent email thru linkedin to XXXX XXXX ( XXXX OF OMBUDSMAN ) and also XXXX XXXX ( EXECUTIVE VP ) I SPOKE TOO OMBUDSMAN DEPARTMENT YESTERDAY XX/XX/2018 asked that the esculate and get me an email STATING THAT THE HAVE CONTACTED XXXX XXXX XXXX  AND advise too withdraw/dismiss all action by end of day today. 
As of XXXX TUESDAY morning I have not received any calls or emails from none of the above.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, I was notified by Experian, XXXX and XXXX of a collection account from XXXX XXXX XXXX of {$390.00} collecting for XXXX XXXX. I was contacted by XXXX XXXX  repeatedly attempting to collect the debt and repeatedly told them I had an account with XXXX and it was not in collections. I asked them several times to confirm with XXXX and they never did. XX/XX/XXXX they reported a collection to the 3 credit bureaus mentions. Consequently, my credit score went down and has kept me from buying a new home! When I filed disputes with the credit bureaus, and provided written confirmation form the creditor the account is not in collections and they are removing the dispute, Experian refused to remove the account from my credit. They are claiming they have 30 more days to allow the creditor to respond. Even though, when the creditor reported the collection in error, they never verified the account was accurate!! They simply reported it and my score dropped! I believe the credit bureau should give the same credibility to the letter resolving the account as they did to the initial report of the collection. Why don't credit bureaus have to verify incorrect information before reporting it on a credit report?? I have been severely damaged by this action.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (PA)

I am submitting this complaint as there is no third party involved, I am making this complaint to SPRING OAKS CAPITAL LLC on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of 1974 is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means
Consumer complaint received 2023-04-10
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX/XXXX  : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
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: ENOVA INTERNATIONAL, INC. (TX)

In Accordance to the fair credit reporting act Net Credit/RB 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 states a consumer reporting agency can not furnish a account without my written permission. I have NOT given that authority to NET Credit/RB. 

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my credit score has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with XXXX already. XXXX has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for XXXX stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help me!
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (FL)

The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc. (AZ)

I had emergency XXXX in XXXX is 2020. After my XXXX I began to receive the bills as I was not covered at the time. I applied for and received state insurance and contacted all of the hospital billing departments to provide the insurance information. Most was resolved but there were a couple who continued to call and harass me. Professional finance co. being the main and last one I am writing you about today. I jumped through hoops for them and the hospital to get all of the correct information needed but this company will not comply. I have called and verified with XXXX XXXX XXXX hospital that they in fact were paid by insurance for this on two separate occasions. The last lady I spoke with said she had no idea why this company was coming after me, they had notified all applicable parties that this account is paid in full. Yet instead of doing their due diligence of calling the hospital to verify, they continue to harass me and destroy my credit instead of doing their job. They would rather waste everyones time and ruin people 's lives than actually do what they are there for.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems appeared on my credit reports in XXXX. I have never received a letter, phone call and even after calling them, no documents to support the balance they said I owed. 60 days later, still nothing. 1 credit bureau deleted them, the other bureau updated it. The dispute was conducted both on the same day. The collection will be removed XX/XX/21. In the meantime, they are reporting what seems like every day. They are being vindictive and have nothing better to do.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2900.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$5700.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, original creditor XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (MS)

I have a NetSpend premier card for my payroll direct deposit. My paydyis on Monday. I have used the same card for nine months and usually get my deposit on Sunday night. On XX/XX/2018 I did not receive a direct deposit. NetSpend said it was an issue with my job not sending a deposit. I talked to my job who emailed our payroll. My payroll then sent an email to my job from NetSpend that said there was an issue with the bank and my deposit would be made no later than XXXX XXXX on Monday XX/XX/XXXX. At XXXX XXXX still no deposit I called NetSpend who tried to tell me again that my payroll never sent a deposit and when I told them my job got an email from them saying there was an issue with the bank they changed their story apologized and said XXXX had maintenance issues and it would be deposited no later than XXXX. At XXXX still nothing. NetSpend then said the deposit was for sure going to be posted before midnight. It is now XXXX XXXX Tuesday XX/XX/XXXX and still nothing. NetSpend is now saying they are working on the problem at XXXX. XXXX says they do not have an email on the deposit. And since this morning XXXX has disconnected the phone lines. XXXX says it's an issue with the federal reserve. The federal reserve says it's an issue with XXXX. I have bills due. Rent due and still no paycheck. My deposit was for {$300.00}.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit report for transunion regarding XXXX mortgage accounts just updated with all my payments deffered during covid showing delinquent on all months. Only transunion is showing this and only for these XXXX XXXX XXXXXXXX XXXX XXXX accounts. After defferment i paid all deferred balances in full. Never late, never reported late until just a couple weeks ago. This is damaging and ludicrous as i am working on business recovery from covid and now i am being harmed by fraudulent reporting now suddenly showing up. I was in dispute for other payments and still am but suddednly adding late payments ( about XXXX late payments ) during covid times is outright wrong. This needs to be corrected immediatley and negatives removed. This violates the cares act and is otherwise morally corrupt and causing me extreme harm.
Consumer complaint received 2018-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called XXXX XXXX and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with Santander opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.