davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WI)

I have a loan with COMENITY BANK/BOSTONST. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and COMENITY BANK/BOSTONST with no successful resolution. XXXX  and XXXX  reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 )
Consumer complaint received 2018-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

InXX/XX/XXXX, I scheduled an extra payment to loan XXXX on the due date and asked not to forward the next due date and to have the next month be due on schedule. MyXX/XX/XXXX auto payment was made and only the interest was paid ( {$3.00} ) and the amount that should have gone to principal ( $ XXXX= {$23.00} ) was distributed as extra payments to the rest of the loans in my account. I emailed requesting my payment be reapplied correctly on XX/XX/XXXX ( as soon as I saw how my XX/XX/XXXX payment was applied ).

The response I received to my Navient inbox on XX/XX/XXXX about reapplying the payment correctly, they determined that XXXX was not paid ahead and did nothing to reapply my payments ( which they have previously done for me in the past aroundXX/XX/XXXX a few times ).
Consumer complaint received 2018-07-08
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. (IL)

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX acct XXXX, XXXX acct. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MN)

I scheduled an automatic payment for my XXXX credit card. Comenity bank does not offer auto payments, thinking about this- how stupid? They obviously pray on people by using a very complicated site that barely function correctly. I was surprised to receive notice that my payment was missed. I check my internet history and it shows the completed scheduled payment link, just as it does my XXXX card, which is issued by the same bank, which went through. I emailed and received a canned response. They need to streamline their program to allow automatic payments and ensure their website functions correctly at all times.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (TX)

I called the company Aragon agency to let them know I had paid the debt with XXXX. They then told me I needed information about the payment if not it would take months for the debt to be removed from my credit. I then got the XXXX balance letter from XXXX stating the account was paid and cleared. Called back the company to send them my XXXX balance letter. They gave me a email and I forward the letter. The debt is still on my credit and Ive tried to take care of this since XXXX, I even called XXXX again and asked if they show a XXXX balance and if they are notifying the collection complaint. They told me yes and they dont understand why the debt is still on my credit.
Consumer complaint received 2017-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF FINANCIAL CORPORATION (MI)

Hello my name is XXXX XXXX - I am the POS for my dads property at XXXX XXXX XXXX XXXX, XXXX XXXX. MI, XXXX ( POA is attached ) I have sold the home and I have a XXXX dated from XXXX stating that the debt was released is attached, and the taxes on this are being paid via the proper filing on taxes with tax accountant who completed them to the federal government and the state of Michigan. The original loan was with XXXX XXXX XXXX which was acquired by XXXX XXXX they were bought by Chemical Bank. XXXX discharged the debt before Chemical Bank took then over and now has all of a sudden ( Chemical Bank ) now has tried recording their interest in the property ( until XX/XX/XXXX ) and there was nothing about the equity loan filed with county ( attached ). Chemical bank now is saying its a collection and we owe {$48000.00} when we have the paperwork attached from XXXX XXXX stating that the cancellation of debt dated back in XX/XX/XXXX and again attached is the XXXX cancellation of debt.
Regards, XXXX XXXX XXXX Email : XXXX I have also secured a Tax Attorney as representation to resolve this matter : XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (GA)

I have been working on my Equifax credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX 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 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 XXXXXXXX XXXX, XXXX XXXXXXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX, XXXX, XXXX, TRANSUNION AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY REPORT.
Consumer complaint received 2020-01-20
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. (TX)

ftc violations : sent police report 3 years ago people out there doing bad things with my information the address claim caused XXXX  XXXX XXXX XXXX to be late that goes against fair bill act not sending payment to the correct location is against the law to report without giving a fair chance to pay debt. Also XXXX XXXX, XXXX XXXX account it's law What is covered under the Fair Credit Billing Act? 
The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score. If you've been charged for a product or a service by mistake or were overcharged on a recent purchase on your credit card, a decades-old law called the Fair Credit Billing Act can step in to help. 


sorry respect XXXX XXXX XXXX bless
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

I have a month to month membership with XXXX XXXX XXXX. XX/XX/XXXX, we faced a global pandemic of COVID19. There was a national lock down, especially in XXXX. I reached out to XXXX several times via the phone, to no avail. I went to the website to cancel my services, but was not successful. I emailed them on their site forum. I didnt have a direct email address. After several attempts, I received one submission email in return. 

I never received a response from them. They were unlawfully charging members for services to which they were not providing. XX/XX/XXXX, a civil class action lawsuit was filed against them. 

XXXX has failed to provide members with any substantive response to requests of cancellation leaving members effectively dangling in the wind to try to figure out how to protect themselves from being further charged for services not being provided. 

This is when I started my disputed with Discover, I would hope, they would have my back and security at a volatile time, yet Discover is siding with the enemy. 

My contract was month to month starting on XX/XX/XXXX. In the contract it clearly states, they need to adhere to State laws. NYS has been in a lockdown since XX/XX/XXXX. I tried to cancel my membership online in their portal, unsuccessfully. I called, I emailed, to no avail. 

One option was to send a certified letter to them. Discover validated the charges and re-billed me because I did not send a certified letter to cancel my membership. How am I send a certified letter when were in a lockdown? When that option isnt available? Not only that, sending a certified letter is one option, not the only.
Consumer complaint received 2022-09-15
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/XXXX Change of Address Letter TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my addresses to : Please update my name to : My only social security number is : My only and correct date of birth is : My only employers is : I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (TX)

We closed on a loan with agreed upon terms which included refund of escrow in the amount of {$3400.00}, no closing fees, two months deferred payments and lower monthly mortgage. 
Our previous complaint # XXXX. Planet home Lending applied amount to old loan payoff using a document from a previous loan application. My resolve would be a lender credit in the amount of {$3400.00} to cover escrow funds due to close this matter.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I submitted an FTC Affidavit with report number, an FTC Complaint number and a Postal inspectors complaint to Equifax and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that Equifax reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with the company directly but was avdised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # 1 : XXXX case # 2 : XXXX
Consumer complaint received 2022-09-15
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. (TN)

In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to XXXX with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to Equifax sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX XXXX, and also a letter to XXXX sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXX XXXX on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Equifax, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name 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 XXXXXXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, XXXX, and Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this