davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

i requested a debt validation from Portfolio Recovery Associates twice and failed to provide a proper validation, instead they sent me old statements, and while on requesting validation they continued to report this alleged debt to credit reporting agency. 
Portfolio Recovery account number XXXX. 
Portfolio Recovery account number XXXX. 

certified mail tracking number : XXXX
Consumer complaint received 2023-01-27
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

Hello, I am filing a complaint against XXXX for the customer service I received and the reporting of missed payments to my credit profile. There was a late payment reported to my credit profile for the XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have sent emails, letters and promises to remove via phone calls on multiple occasions without a response from this company or them actually doing it. I have suffered a tramatic loss and have explained that to them just for them to leave me unanswered. I truly enjoy shopping with XXXX but I am sick at their customer service and their lack of empathy in the matter. this is causing me a great deal of stress and XXXX and XXXX has shown that they do not care or listen to their customers.
Consumer complaint received 2021-09-14
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. (AL)

In XXXX- XXXX of XXXX I filed a dispute with Experian credit bureau about the XXXX XXXX -- Account number XXXX. months I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account was removed from XXXX in XXXX of XXXX  and still remains in dispute on Experian. I am aware that this 30 non response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (CO)

On Monday the XXXX I sent MRS a dispute. Disputing the charges they claim to be trying to collect of {$2800.00} cents. And asked that they stopped calling me and emailing me until they mail a letter showing proof that I, XXXX XXXX XXXX, owe the debt that they claim I owe. Doing so I asked them to stop trying to collect, as well as to not report said debt to the credit agency 's as I do not own said debt. If they were to keep emailing and calling me, which they have been doing while I am at work. That they would be in violation of FDCPA. 
Today XX/XX/2022, they called me again to collect this debt, that has been disputed formally. I am requesting all debt collection to top and the debt that I'm being accused of owing, to be terminated from my record all together. As they are now in violation of FDCPA.
Consumer complaint received 2022-10-06
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: LEXISNEXIS (FL)

Lexisnexis is the company I am having issues with. I have noticed that my information in my scores are incorrect or missing information. I have requested a hard copy of my report but still have not received it. I decided to opt-out on XX/XX/XXXX. XX/XX/XXXX, I decided to put a security freeze on the account, I gave them a call. They informed me that the freeze will be in affect after XXXX hours. On XX/XX/XXXX, multiple insurance companies were still able to check my account without my consent. I gave them a call back ( lexisnexis ) today XX/XX/XXXX, and the lady I spoke with told me to call those same insurance companies to ask why they did a search for my credit. I asked the representative from lexisnexis why were insurance companies still able to check my credit with a security freeze and she could not answer that, nor give me directions in solving it. For 4 years this has been affecting my insurance rates and me not being able to even obtain home insurance from most companies due to incorrect information. When I first spoke with Lexisnexis ( approx 3-4 weeks ago ) asking what was in my report and that I would like to dispute it, he just told me he can not help me. That I can not put a dispute in with lexisnexis. I have never had problems before with my scores. This is my XXXX XXXX, military family that moves alot. For some reason when I bought this house all my problems with this company started.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

I have been receiving countless certified letters and phone calls from Pressler and Pressler stating I owe them for old debt. This debt was charged off by the original creditor and sold to them for pennies on the dollar. I have attempted to speak to them about the matter multiple times without success. I asked for them to provide me with the original signed contract, a copy of a statement, and the exact charge off amount, and have yet to hear anything in reply!
Consumer complaint received 2023-01-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (TN)

I just reviewed again my Experian credit report and found that they are still reporting inaccurate and incomplete information for XXXX XXXX # XXXX and XXXX XXXX # XXXX accounts. On both XXXX XXXX accounts they are reporting the account holder deceased, in addition there is No Date of Last Activity, Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete and missing large areas of data, there is No High Credit Limit, XXXX XXXX XXXX, No Designation for Owner, No Actual Payment Amount, No Scheduled Payment Amount and No Close Date. All of these inaccuracies and incomplete information are FCRA Violations with monetary penalties and a clear violation of my FCRA rights. I have downloaded and attached my most current Experian Credit Report ( XX/XX/2023 ) with all these FCRA Violations highlighted and circled. They will be used at civil court as evidence if my consumer protection attorneys move forward with this case.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-27
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (VA)

My escrow was negative and oceanside agred to spread escrow shortage over 60 months. This was approved in XXXX but did not take affect till XXXX. For the month of XXXX per their nots on XX/XX/XXXX, I was told to XXXX XXXX and my mortgage would update in XXXX. My XXXX mortgage of XXXX is wrong and does not reflect the agreement to spread escrow over 60 months. I am now considred late and this is affecting my credit. My mortgage is XXXX which I am paying. I tried to work this out to no avail. The issue is {$250.00} over charge for the month of XXXX. I should get credit for My XXXX XXXX payment. This is My second complaint
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I received a series of 3 credits back to my credit card account as a result of a cruise being cancelled ( by XXXX XXXX XXXX XXXX ) due to the pandemic. The total was {$25000.00}. I was unaware that the amount had been deposited in my account as XXXX had given me a XXXX day window for repayment. Unfortunately, XXXX hadn't notified me that the refund had been made. It apparently appeared on my credit card statement on XX/XX/XXXX ; the billing cycle ended XX/XX/XXXX, so I was not notified with that bill. When I finally checked my credit card statement ( around XX/XX/XXXX ), I saw the credits, some of which were used to pay my then current bill. I called and asked the credit card company to send the money to me. They indicated it would be sent to the checking account of mine that they had within 3-5 business days. When I had not received it by then, I contacted them again and was told that it had been submitted for management approval and would be sent 3-5 business days after approval was granted. I do not understand why my money is being held captive to a process whose time is completely controlled by the credit card company ( Citibank ). 
They have had this money for a month. I am hoping that you can prod them to expedite the return of my money.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I 'm enrolled in the PSLF program and what I was told was an eligible loan. As it happens, a few years ago I was told the same thing and found out after the fact that the {$6000.00} in payments I made that year effectively went straight down the drain. Every time I re-enroll I get someone on the phone and ensure that I 'm in an eligible plan. I just got an email saying that the plan I 'm actively enrolled in is n't eligible for PSLF, again, despite the fact that once again I called to verify that it was eligible. How is this legal? How can they devise a system where only is in not clear to the user whether or not a particular plan is eligible because of their labyrinthine application process and vague terminology, but their own employees do n't even know the ins and outs? We 're talking potentially upwards of {$12000.00} from me alone that is essentially evaporating into space. HOW IS THIS LEGAL? I did everything right. If this was a private company they would have been sued into oblivion and forced to close. What can be done about this? It 's so blatant.
Consumer complaint received 2023-01-27
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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
Consumer complaint received 2022-01-07
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. (NJ)

I have sent several letters stating my rights as a consumer with the law under 15 US Code 1618b for permissible purpose I did not give consent to have this report my account and the credit reporting agency has yet to fail to comply with my rights
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me. Any help you can give me with updating this information as soon as possible would be greatly appreciated. As a reference I am including a copy of page one from the credit report File Number : XXXX, Date Issued : XX/XX/XXXX My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Date Reported : XX/XX/XXXX, ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 4. ) XXXX XXXX XXXX PL, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 5. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 6. ) XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 7. ) XXXX XXXX XXXX XXXX CT, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 8. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 9. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 10. ) XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 11. ) XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 12. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 13. ) XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : N/A, ( 14. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX. I will await an updated copy of my credit REPORT to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
Consumer complaint received 2021-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

On Thursday XX/XX/XXXX at approximately XXXX hours, while checking my credit score and showing me that I own a loan of {$3900.00} from XXXX XXXX  XXXX XXXX XXXX. I looked online and I found their number and I called. The agent from XXXX XXXXXXXX XXXX, informed me that I took a loan ONLINE from XXXX XXXXXXXX XXXX  of {$3000.00} on XX/XX/XXXX and the money was deposit on a bank account call XXXX XXXX XXXX and the 4 number of that account are XXXX and the scammer use my first and last name to created an email address ( XXXX ) I NEVER HAVE ANY EMAIL ADDRESS WITH outlook. That is the only information I have from the loan company. Please help me by taking care of that as soon as possible please. 

Please Note that I Sent this report to IDENTITY THEFT ONLINE ON XX/XX/XXXX @ XXXX XXXX. My receipt number is # XXXX Hello, I'm having trouble to verified my Identity, after being on the phone for hours with one of the representatives of the unemployment agent he could not verify me with the information that I provided. I filed a claim on XX/XX/XXXX after I entered my social security number, the system informed me there was a claim open under my social security back to XXXX, and I called to report right after I finished completing the employment application. Today I called unemployment to find out about my status and the agent could NOT verify my information even with a bank account, the agent sent me a link to complete a personal verification through my email. When I clicked on the link even using my cell phone and manually typing it into the search bar on XXXX XXXX, along with XXXX XXXX. It would display a totally different web page than what the unemployment agent was seeing ( XXXX XXXX XXXX ). When the unemployment agent sent me to login on XXXX so I can access my account. The page asked me for a PIN but I was never issued a PIN number. After entering my SSC to receive my PIN to my email address, an entirely different email address popped up that does NOT BELONG TO ME at all ( XXXX ). My correct information should be the following : Please Help Me Resolve this Issue. My ticket number ***** from XXXX Member Support. I also sent a report to Department Of Highway Safety And Motor Vehicle Division Of Motorist Services. This two reports that I sent, it just to show that I've been give update to collection company and the credit bureaus. I'VE BEEN A VICTIM OF IDENTITY THEFT. ( SOCIAL SECURITY NUMBER )