davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to  remove this however, I have not been successful.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zarzaur and Schwartz, PC (AL)

I received a collection demand letter on XX/XX/2019 advising me a past due balance had been referred to them for collection. I disputed this debt in writing XXXX copy attached ) on XX/XX/2019. I specifically asked for the original contract agreement, statement of all charges/payments/adjustments regarding this account. On XX/XX/2019, I received another letter from the same firm offering me payment options, after I had already disputed the debt in writing. I also had several phone calls from this firm, which I ignored as I knew I had disputed the debt in writing as required. I received another letter dated XX/XX/2019 where they sent documents pertaining to said account. They only sent a monthly statement, Affidavit of Sale of Account by Original Creditor, Blanket Certificate of Conformity for Notary XXXX XXXX, a Bill of Sale and their Purchase Price Reconciliation/Funding Instructions. I again, sent a letter of dispute dated XX/XX/2019 advising them I still have not received validation of the supposed debt. ( copy attached ). I advised them I was a victim of identity thief and sent copies of my Complaint Referral Form, Internet Crime Complaint Center. I again asked specifically for a copy of the original contract or application, statement of all charges/payments/adjustments regarding this supposed debt. Then, on XX/XX/2019 I received a notice from the XXXX XXXX XXXX XXXX where this firm has now filed a lawsuit against me for a debt I have continually disputed. Then on XX/XX/2019 I receive a package from this firm. ( copy attached ) They sent the same exact items as in their letter of XX/XX/2019. I still dispute this debt. I
Consumer complaint received 2020-09-09
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. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-28
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. (MI)

This complaint is for consumer XXXX XXXX XXXX XXXX, Social I.D . XXXX, address XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, phone number XXXX in regards to factual disputes I sent out to Equifax Information Services LLC around XX/XX/2020 and XX/XX/2020. Equifax has failed to provide me with an updated credit rpeurt two times and has violated the Fair credit Reporting Act ( FCRA ) and also failed to investigate my dispute and respond within 30 days from XX/XX/2020 and XX/XX/2020 on my dispute as indicated in the attached letter to this complaint for XXXX XXXX, XXXX, XXXX XXXX. I attached a picture of the letter since the letter was not certified mail I took a picture. On the dispute dated XX/XX/2020, I told Equifax that they were late on my XX/XX/2020 dispute and to delete the information per the 30-day policy laid out under the Fair Credit Reporting Act I also raised additional disputes directly with Equifax asking for an independent investigation under the Fair Credit Reporting Act of the following companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Each dispute raised is different and never been disputed they are in violation of the Fair Credit Reporting Act for not responding within 30 days and must delete the accounts the failure to knowing and willingly refuse to delete the accounts is cause for compensation for {$1000.00} per violation. Failure to delete these accounts is cause for a civil action if necessary and waives, null and voids any prior settlements, any and all prior negations, are agreements in this and all matters from prior to this date of XX/XX/2020 here in forward if these accounts are not deleted, within 30 days of this complaint.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

Account name : COMMERCIAL ACCEPTANCE CO Creditor : XXXX XXXX Date : XX/XX/XXXX Amounts : {$2400.00} Repeatedly posting balance update : XX/XX/XXXX Previously called when I was a XXXX XXXX and threatened said debt would seriously damage my credit and reputation, used scare tactics and abused the ignorance/innocence of incoming students. 

Downplayed the lease duration as an issue, citing " very easy to find sublet as a popular student apartment '' at the beginning of the semester even though I have clearly mentioned " I will transfer in half a year ''. Where in fact, a lot of students do not want to move there due to horrible reputation of the management of the apartment complex and it is XXXX semester, which is well-known the students at the campus at that time. There are numerous complaints online against their management style and is publicly available on XXXX maps. XXXX back then can vouch for said statement.
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (AZ)

Equifax ; XXXX and XXXX  are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XX/XX/XXXX payment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX XXXX XXXX XXXX reopened my closed account that was showing on my credit report closed for 3 years but for some odd reason its been opened back up and reported late and charge off in remarks. I disputed the in accuracy of this account to XXXX and this is what they do they reopen and put bad remarks on my credit bureau. This is a fraudulent act by this company and needs to be dealt with so they can not do this to nobody else. By them doing this it has brought my credit score down 53 to 60 points. I would like for you to delete this company with the credit bureaus it has been reporting on my bureaus for 4 years and 10 months and I'm tired of it I do not owe them any money I gave them their vehicle back in XX/XX/XXXX because it was no good and they stick me with the balance after they sold the car please help me with this company as they are putting false information on my credit report.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

In XX/XX/2019 I was injured on the job with the USPS XXXX Ohio branch. I was sent to university hospitals XXXX XXXX XXXX in XXXX for evaluation by said employer. I have a debt On my credit report for {$230.00} that i have disputed 4 times with equifax. Each time I dispute the response is that first federal credit control has verified the debt is mine. All bills for this injury are the responsibility of the USPS. I called first federal credit control today to request verification or a copy of the debt and was told to contact the hospital because their company has a large file and doesn't have that information orthe information to contact the original creditor. Acct # XXXX with university hospitals and the file number with first federal credit control is XXXX. CONTACT INFO for first federal credit control is : First federal credit control XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Original creditor University hospitals urgent care Acct # XXXX Billing dept Attn : XXXX Pob XXXX XXXX ME XXXX My social security # is XXXX XXXX XXXX however my birthdate is incorrect in the file as XXXX and my birthdate is XXXX. 

I called university hospitals and they would not change the billing I, information for this debt.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (TN)

Since I was in the process of buying a house I agreed to work with Lexington Law to help me improve my score. 

I was contacted by a paralegal, XXXX as I went over several things with her of what we needed to do, however, it was going to be difficult to pay the fee of {$100.00} each month. She said she had a smaller plan and she would let me know what it would be. She said nothing was going to happen until XX/XX/XXXX when my payment was paid. 

They charged me {$14.00} to pull my credit report on XX/XX/2019 to review and see what needed to be done. I told her I was working with a Mortgage company and they requested that I remove any Disputes on my credit report. Too late ... ..they had already filed 2 disputes to the bureaus. I was not aware they had done this and I called the 3 bureaus to remove disputes and the creditors changed how these were reported and it caused my credit scored to drop 35-70 points across the Credit Bureaus. 

They charged me {$55.00} on XX/XX/XXXX for a smaller plan which I have no idea what that means and I disputed it on my credit card. They didn't do anything but file these two disputes which have ruined my credit so I feel that I do not owe them anything. 

They do not listen to their clients.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I made a purchase using my USAA Cash Rewards Credit Card of {$630.00} on XX/XX/2019. I had a promotional balance of {$3000.00} with an APR of 0 % at the time of the purchase. On XX/XX/2019 I made a payment of {$870.00}. This payment was applied to the promotional balance, and only {$69.00} was applied to the purchase, with the remainder being subject to a 15.15 % APR. This appears to be in violation of Section 104 of the CARD Act of 2009. The payment should have been applied fully to the amount subject to the higher interest rate, and then to the balance with the 0 % interest rate. The company responded that payment allocation can not be changed, and that the balance will continue to accrue interest.
Consumer complaint received 2019-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NC)

On XX/XX/XXXX, the mortgage company informed me that my mortgage was in foreclosure status and I had to pay the full past due amount of {$9500.00} via XXXX XXXX to keep my account from being assigned an attorney. On XX/XX/XXXX, I paid {$9500.00} via XXXX XXXX. The payments were broken down into three payments {$4000.00} - {$1500.00} - {$4000.00}. I had to break them up because XXXX XXXX will only allow you to send a specific amount at one time. All of the payments were sent on the same day. I called the mortgage company from XXXX XXXX and provided them with the tracking numbers. This should have made my mortgage current with my next payment due in XX/XX/XXXX. 
I called the mortgage company about a week and a half later because I did not see my account updated in full ( missing {$4000.00} ). The mortgage company stated they needed to do research on the payment in order to locate it. I have called almost every other week looking for a resolution. The mortgage company has told me on at least three occasions that they were going to initiate a new research on the payment. On XX/XX/XXXX, I inquired as to why it's taking so long to update my account. On XX/XX/XXXX, the mortgage company stated they were waiting for me to send in receipts. However, no one ever asked me for receipts. I then hung up the telephone with the bank and immediately faxed all of the receipts. I followed up with a telephone call the next week to inquire about the status. I was told they received the receipts but again that they needed to research it. On XX/XX/XXXX, I was informed that the research was completed but the money was not located. I then questioned the whereabouts of my {$4000.00}. I was told they were going to research the payment again. On XX/XX/XXXX, I was informed that my {$4000.00} was sent back to XXXX XXXX on XX/XX/XXXX and my account is still behind. XXXX XXXX informed me that the {$4000.00} check they sent to the mortgage company was cashed and they do not have a record of the monies being returned. 

Concerns : Only two of the three payments were posted in XX/XX/XXXX although all three payments were made together. 
The mortgage company cashed the check with the missing {$4000.00} Why would the mortgage company send the money back on XX/XX/XXXX instead of posting it to my account Why would the mortgage company continue to say they couldn't locate the funds when in fact they cashed the check. 
How can they send my mortgage back into foreclosure status when I paid the money as agreed.

This is still unresolved almost four months later, my {$4000.00} is missing and they have stopped applying payments to my mortgage. 

I'm concerned about sending them more money.
Consumer complaint received 2023-01-30
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-09-12
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: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-10-09
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. (OH)

I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.
Consumer complaint received 2022-08-12
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. (NY)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (AL)

Credit Systems Intl IN keeps sending me collection notices in the amount of {$230.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

On about XX/XX/XXXX through XXXX of XXXX, I have contacted XXXX and inform them of my hardship and that I wasn't able to make the same payments that I was making nor to pay off the credit card in full like I normally was doing. I asked for assistance in paying less of the minimum until I pay off the account, suggested to payment arrangements, and or freeze my account from recurring past dues and interest charges. Of course, they treated me calling every day at all times to the attempt of harassing and not helping me at all. 
On XX/XX/XXXX I was hired to work at the XXXX XXXX XXXX XXXX XXXX XXXX in which 3 weeks later I was let go being sued according to some workers that came to my attention with it when I asked for assistance I was turned down and because of this sue allegedly reasoning for termination of my employment with no warning no discipline actions of any kind. The information is given " didn't work out because I wanted to serve the communities and children '' ( low blow ). 3 days later this woman hired to deliver the court hearing threatened me if I didn't open my door and let her in. Her on words I have something to give you, you need to open the door, and if not everyone will know your business. She continue pushing my door louder and demanded for me to open my door. She was impersonating to be law enforcement didn't provide her name nor company she was representing. She continued to intimidate me by saying I have taken pictures of your car as well. The company suing me is called Midland Collector Management and the law firm working for them has not made an attempt to answer the letter requesting information as far as I do not know who is Midland Credit Management Inc. My case is XXXX