davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (KY)

I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to me.
Consumer complaint received 2021-03-03
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. (TX)

Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. PLEASE REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY, THEY DO NOT BELONG TO ME. 

UNAUTHORIZED INQUIRIES FROM ALL CREDIT BUREAUS : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -UNAUTHORIZED ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTXXXX XXXX-ACCOUNT XXXX XXXX, XXXX XXXXACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX XXXX-ACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX XXXXACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX # XXXX, XXXX XXXX-ACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXACCOUNT # XXXX, XXXX/XXXX-ACCOUNT # XXXX
Consumer complaint received 2018-02-16
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. (FL)

I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, XXXX, and Experian to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit  bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and Experian have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
Consumer complaint received 2018-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (NY)

I had a loan with XXXX XXXX where the loan terms were predatory. 

I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. 

I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and XXXX was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from XXXX saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe XXXX sold the vehicle for about {$8000.00}. Therefore XXXX collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named NCB Management Services on top of the {$35000.00}. 

Then I get a call from NCB Management Services. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. 

Now in XX/XX/XXXX I need to buy a home for my family of 6 and NCB shows a collection on my credit report. I call NCB and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. 

I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. 

It is obvious that I paid XXXX and NCB enough money as to not be punished with this collection on my credit report. NCB used deception to collect this money which continues the same trend from the XXXX loan of negatively affecting my financial status since I will be paying a higher mortgage because NCB did not do what they told me they would.
Consumer complaint received 2020-07-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In early XXXX I applied for some deferral assistance while I was unemployed. The company granted this assistance and then in XXXX I got a notice that the difference between the interest payments I made was coming due, so I called the company and they gave me an amount which I paid on over the phone. Then I started receiving foreclosure notices sayin I owed them more. I requested a payment history report which took months to get and then went over it with an accountant and we determined that they may have given me the wrong amount so I made an additional payment which was a payment in full according to my XX/XX/XXXX statement. I then received my XXXX statement saying I still owed them more. I was unsuccessful in getting answers from the company so I filed a complaint with the State of California Office of the Attorney General. They also requested payment history information. When the company sent that information they copied me on this letter dated XX/XX/XXXX stating that they now haven't received my XXXX payment and after checking with my bank that payment cleared my account on XX/XX/XXXX, so they either failed to do their due diligence or falsely reported information to the Attorney general. I did much research finding that this company has had many class action lawsuits and complaints with a private consumer affairs site. Since then every month when I make payments if they do not get to them by the first of the month XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are calling these payments late and charging me an {$82.00} late fee. I have made numerous attempts to talk to them and get absolutely nowhere. I feel this company needs to be looked into. I have since singed a deferral agreement for approximately {$3500.00} which I do not think I owe but have no other recourse at this time. I have also spoken with HUD.
Consumer complaint received 2018-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact XXXX, TransUnion, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. TransUnion and XXXX have responded by removing all but 2 of the inaccurate collection reportings and XXXX still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I was sent an email on XX/XX/XXXX, but not just an ordinary email but to my school email. The scammer basically told me that he was a professor teaching disabled students abroad, and was in need of an assistant until he got back home ( XXXX ). The pay seemed nice and so I accepted the offer. On XX/XX/XXXX he had sent me a ( fake ) check of {$1900.00} to be deposited in my bank and I was to help pay for a security deposit of {$1400.00}. On XX/XX/XXXX I deposited the check, and on XX/XX/XXXX I sent two cashapp payments of {$400.00}. On XX/XX/XXXX I sent two payments off XXXX . Everything seemed normal until today XX/XX/XXXX my bank was in the negative {$1100.00}. I called my bank today XX/XX/XXXX and they told me that since I had already deposited the check and they gave me the money there's no way I could get the money back. They told me to resort to the police.
Consumer complaint received 2018-07-29
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: Experian Information Solutions Inc. (NJ)

My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX experian late reporting XX/XX/XXXX &  XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late
Consumer complaint received 2018-07-29
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: EQUIFAX, INC. (NJ)

My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX   DOB XX/XX/XXXX SS # XXXX my loan # is XXXX  XXXX late reporting XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late equifax XX/XX/XXXX XX/XX/XXXX 120 days late XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX & 60 days lateXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX30 days late
Consumer complaint received 2018-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates has been contacting me from different numbers in violation of my legal representation and rights due process under the law. 

Furthermore they have been frequently contacting me without any identification as a debt collector or by leaving a message stating their identity. 

All of my debts are past the statute of limitations for collections. 

I am a XXXX XXXX XXXX veteran. I have had legal representation since XX/XX/XXXX. My XXXX XXXX effective date of XX/XX/XXXX. All of my creditors were notified by me and by counsel of my XXXX and representation in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

None of the options best fit the description of my complaint. 

I was sued for a credit card debt with XXXX XXXX by Midland Credit Management XXXX Inc, ( MCM ). I paid the debt XXXX. I did not know that the letter of satisfaction was never filed with the court until I tried to close on the sale of my house in XXXX of XXXX. I reached out to MCM on XXXX  and on XX/XX/ they sent a notice of satisfaction to the wrong the court. ( Magisterial Court instead of the XXXX XXXX Court House ). Since then I, my attorney, and the XXXX XXXX Prothonotary 's office have reached out to MCM and the legal office ( specifically for Attorney XXXX XXXX ) multiple times to request the document be filed in the correct court with the correct docket number. As of today, they have not. The sale of my home is still pending, I could easily lose the buyer, and am beyond frustrated. Midland has been exceptionally difficult to deal with from my first encounter with them. I don't know what else to do at this point.
Consumer complaint received 2018-07-29
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. (MD)

I sent a dispute to TransUnion stating XXXX XXXX re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from TransUnion stating that XXXX XXXX has verified the information to be accurate. This is a problem on two fronts. XXXX XXXX has re-aged the account, and TransUnion hasn't actually made an investigation themselves. TransUnion sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. TransUnion is not reading their own document.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Hello I sent my dispute letter to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute with the inquires. I did call the all 3 bureaus and sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over a month for a response.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I requested a method of verification from Transunion on an account, I have documentation that the credit bureau received this request on XX/XX/XXXX, for which they did not respond. On XX/XX/XXXX I sent them a letter requesting removal of this account as they did not respond as per the guidelines of the FTC.I then sent another letter requesting removal on XX/XX/XXXX for which I show to be still in transit as of date. In reviewing my credit report, I noticed that TransUnion uses a third party to verify public information so on XX/XX/XXXX I also sent a letter to XXXX XXXX requesting a method of verification of the account ( s ) in question. I received verification that XXXX XXXX  received this request on XX/XX/XXXX. Finally on XX/XX/XXXX I received documentation from Transunion dated XX/XX/XXXX stating they verified the account ( s ) to be accurate. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX stating that I was in receipt of their documentation, however ; it did not provide the method of verification as requested. He stated to me that the account ( s ) were verified through a third party called XXXX XXXX and its not verified through a live person but a general computer and advised me to call XXXX XXXX. I called and spoke with XXXX ID # XXXX @ XXXX XXXX who verified one of the accounts in question and stated they did not verify the other account as they have no record of that account no where in their database. Stated they will contact the credit bureau and have them delete the account and send me documentation showing they had no record of this account. I received the information from XXXX and set this with a letter to delete the account to the credit bureau on XX/XX/XXXX. The Bureau received this documentation on XX/XX/XXXX. I then received letter from the Bureau on XX/XX/XXXX stating this account was verified as accurate. However, I dod not believe they even viewed the documentation as per their third party vendor for whom they said verified this account, states they did notverify this as they have no record.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

My account went unpaid with XXXX ( XXXX financing Visa card ) and it was sent to a debt collection agency called XXXX. 
I agreed to settle the account with XXXX For {$710.00} with reference number XXXX. I received the agreement from XXXX saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling XXXX I was told that this account has been transferred back to XXXX.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (FL)

I learned in XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX, XXXX placed an erroneous bad debt transaction on my credit report. This has prohibited me from securing the housing needed to accommodate my XXXX child. 

We lived in XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX forwarded my son 's incontinent supplies to our temporary XXXX address during the summer of XX/XX/XXXX while we vacationed there. XXXX   Medicaid limited them to sending supplies to an alternate address for a maximum three months. We decided to stay in XXXX and notified the company and Medicaid at the end of XX/XX/XXXX. Shipments should had ceased at that time. 

The copy of the invoice I received in XX/XX/XXXX shows that the company sent a shipment to our old address in XXXX in XX/XX/XXXX. They allege funds are owed although I no longer lived there and they were notified to discontinue shipments before this shipment was sent. Previous shipments were paid by Medicaid, not by me. Medicaid said they were not billed for shipments after XX/XX/XXXX. 

XXXX XXXX XXXX states that it is not their responsibility to prove that I received the merchandise. I must prove that I did not. That's impossible! We are currently displaced because of this issue and I plan to seek additional legal action if the debt is not absolved and the transaction removed from my credit report immediately.