davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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. (VA)

I tried setting an account with XXXX XXXX, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX XXXX : Ending with XXXX
Consumer complaint received 2021-03-11
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: EQUIFAX, INC. (CA)

I heard on XXXX that your company could help me. I feel that Equifax is taking advantage of me and refusing to manually review my letters. As of today, Equifax has continued to leave inaccurate information on my credit report. It has damaged my credit score and I cant get a job because of it. For this reason, I decided to write a letter on XX/XX/XXXX ( Certified Mail ) to fix the incorrect information ( attached ). 

On XX/XX/XXXX I wrote another letter ( Certified Mail ) addressing Equifax ( attached ) Confirmation #. The main purpose for this letter is to address the deleted item on Equifax ( attached ) Confirmation #, but failed to correct my information. I also noticed they did not remove the three below accounts ( attached and circled ) that were associated with the personal details that were disputed in the past. This does not make sense to me. 

I believe they are in violation of the FCRA and are refusing to abide by the law.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In XXXX of 2017, I agreed to pay a delinquent credit card debt that had been purchased by Portfolio Recovery Associates. The rep I spoke with agreed that the charge off would be removed from my credit report upon payment. I paid it off and received a letter stating that the debt had been settled. Three months later, it 's still being reported on my credit. I 've called and emailed customer service. They all tell me that they do n't do pay to delete and they are not responsible for what their reps told me. They also told me that it was in fact illegal for them to remove it and that only the credit bureaus could do that. Which is a blatantly false statement.
Consumer complaint received 2021-07-13
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: United PanAm Financial Corp. (OK)

XXXX and XXXX  will not remove this account that is over 7 years old the company say they have no control over how long it stay on my report then they say they dont even show me having an account with them. I want united credit auto removed from my credit report
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me a bill. I paid them consecutively {$50.00} for 3x in a row and continued getting " last notice '', " your account will be sent to a collection agency ''. When I repeatedly called them, they said " that was not enough ''. The bill is now down to {$840.00}. I made 3 payments : 1 ) XXXX {$50.00} 2 ) XXXX {$50.00} 3 ) XXXX {$50.00} Somewhere after XXXX I received a final notice and my bill was sent to collections. It now sits with Transworld Systems Inc. for collection. I can never reach the hospital, they are ridiculous. I do n't believe I should have been sent to collections if I was making repeated payments, and on time!
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I have contacted USAA several times about changing the payment due date on my credit card. Every time I call, the representative says that USAA has not yet authorized " the system '' to allow for payment due date change requests. I have always paid on time and have a good credit score above XXXX. I am working for a company that pays me on the XXXX and the XXXX instead of the XXXX and the XXXX. I need to be able to pay my credit card bill with my paycheck on the XXXX but my credit card due date is the XXXX of each month which if I do n't pay by the XXXX, I will incur late fees. USAA does n't ever explain why they wo n't allow a change to the payment due date, I am just told by the rep that " management has not yet authorized it ( payment due date changes ) ''.
Consumer complaint received 2021-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have never been late sine the opening of this loan in 2017. The XXXX  was stolen and while learning the process of dealing with insurance and gap, the loan company, Fifth 3rd Bank took a long time to submit the requested documentation to the insurance company, after several attempts from XXXX XXXX, the paper work was submitted and their portion was paid. Gap kicks in after this and while awaiting, a payment was missed and Fifth 3rd Bank reports me to the credit report. Not a phone call, not a letter requesting payment. I feel unjustly reported and an unappreciated customer after paying over the minimum due and on time for 3 years
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello, I have asked the lender to provide clarification for the balance discrepancies and then asked for further clarification on the Payoff statement. 

The amounts just seem high and there is no breakdown of what the balance pertains to.. 

Please see attached Payoff Statement, which is inaccurate and have not received a response from the lender for the wrongful fees/charges added to this. 

Please advise..
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION STATES INQUIRIES ARE FACTUAL DATA AND CAN NOT BE DISPUTED. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION (MO)

Attached you will find that I took a loan out with Opurtun and they harass me by calling over 40 times within a few weeks and over 4 times in one day. They call prior to my payment being due and call everyday going forward until a payment is made. They do not follow fdcpa guidelines. I do not even be close to 30 days past due to where they should be making any form of collection calls. It causes disruptions at work and its embarrassing and causes stress and XXXX  because my account is not past due. Even after asking them to take me off the call list they continued to harass me. I would like to be compensated for the harassing calls and I would also like to sue the company if they do not try to resolve the harassment. The violate the law because they call up to 4-6 calls a day and they shouldnt call more than 7 times per week when its a debt. ITS NOT A DEBT UNTIL OVER 30 days. Each month since XXXX they have violated and Im entitled to {$10000.00} in damages plus more. Including paying for my lawyer fees. I will have additional call records when litigation takes place if they do not resolve immediately. When I block the number they call from another number over and over and I cant take it any longer.
Consumer complaint received 2018-06-10
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: Bread Financial Holdings, Inc. (FL)

I disputed with the credit bureaus as well as XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX ) to validate and account that they claim belongs to me, they sent me a letter on company letter head stating that I owe the debt to the name XXXX XXXX. They have no other identifying factors to validate the debt. They are in violation of the federal and the state Fair Debt Collection Practices Acts by not providing how these debts were validated and no contract with a signature, not even an electronic signature. 

XXXX Account Number : XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Removal of unauthorized inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XX/XX/XXXXFraud alert was placed XX/XX/XXXXon Transunion Credit Report XXXX Transunion refuses to remove inquiries. Please delete.
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (GA)

This complaint is written in reference to a Midwest recovery system LLC acct # XXXX listed on my XXXX major credit reports illegally, in regards to a collecting a debt I do not owe. I have sent request for validation via USPS certified mail/ return receipt requested at the beginning of XXXX XXXX. I have not receive any response! According to the Fair Debt Collection Practices Act, a debt must be 100 % true and accurate. This company has place their name Midwest Recovery Systems acct # XXXX on my XXXX, XXXX, and XXXX reports without validation. The original creditor XXXX whom this company is attempting to collect false funds, have misapplied any payments I may owe. To my understanding I had a checking account with XXXX back in XXXX and I close the account in XXXX, due to limited supply of branches. I wanted to join a bank that was bigger, However, I did not leave the company XXXX with any outstanding balance. Neither was I ever inform of having a balance with them. It has been 6 years since I banked with XXXX whom this company Midwest Recovery System LLC is attempting to collect funds. I have been trying to resolve this matter amicably with this company. Failure to comply to FTC regulations regarding debt collecting and credit reporting will result in a small claims legal action against this company Midwest Recovery Systems at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). This company will be required to appear in a court venue local to me, in order to formally defend themselves. This notice is an attempt to correct this company records, any information received from this company will be collected as evidence should any further action be necessary. This is a request that this company Midwest Recovery System cease there illegal collection attempt and request removal of there company name from my XXXX, XXXX, and XXXX credit reports immediately. I had a similar case against a collection agency and XXXX whom the collection agency was trying to collect illegal funds. I took them to small claims court and was awarded {$5000.00} from each company. This matter is urgent and should require your immediate attention. I am now prepared to file a small claims judgement against your company. I have been maintaining a careful record of my communication with you for legal purposes only. Dependent upon this company response, I may be detailing any potential issues with this company via an online public press release, including documentation of any potential small claims action. Further more, if this debt was valid, the statue of limitation ( SOL ) expires 6 years in my state. Which is another violation I can file charges against this company Midwest Recovery System. I close this account in XXXX!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you for your time.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am disputing the inaccurate reporting of a late payment on my account. Upon contacting, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. XXXXXXXX XXXX XXXXXXXX .... has acknowledged the error in recording the payment and has since rectified the issue, with the account now reflecting closure and a clean payment history. The account must reflect closed/never late.
Consumer complaint received 2017-12-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (NC)

Ad Astra Recovery has been illegally hording my personal information without this consumer written consent. Purant to the 1974 privacy act Ad Astra Recovery has violated all privacy rights and has allowed my personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practice Act Ad Astra Recovery has collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collector, employers, financial institution, and a host of others. Also, Ad Astra Recovery failed to validate a debt with this consumer and they are not abiding by the law. They have failed to provide validate made to pursant to 15 USC 1692g Sec 809 ( b ) of FDCPA. It has been more than 30 days and now I am asking that this alleged debt to be remove from all three credit bureaus. I am tired of dealing with this unprofessional people and not abiding by the law so my next steps will be to file a complaint with the Attorney General office and to file a class action against Ad Astra Recovery for violation of Fair Debt Collection Act and defamation character.
Consumer complaint received 2017-12-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting frontier it 's not mines I ca n't utilize that service in my area, XXXX and transunion are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Nissan Motor Acceptance Corporation is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX NMC. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. 

Here is the company in question : XXXX XXXX XXXX Here is the company they used to collect the debt : XXXX XXXX XXXX
Consumer complaint received 2021-11-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

Hi, I just wanted to follow up. It's been over a month since I requested you to look into the inaccuracies in my report but you have not replied. It was on XX/XX/2021 to be exact and I was told that I should get some kind of response from your organization but I haven't so I am wondering what's going on for I am sure that letter was received. PLease lem me know what's going on and if you haven't taken action please do now. thank you
Consumer complaint received 2016-08-04
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Investment Retrievers, Inc. (CA)

To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure