davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XX/XX/year> ACCOUNT : XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
You have fraudulently accessed my personal information that I did not give consent for you to have. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete this request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ). 
In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

During COVID both my husband and myself were not working. Under the government protection mortgages were allowed to be deferred and placed on the back end without interest. Sps servicing contacted us continually and informed us there was no problem and we were on the deferrement. Recently yesterday we received a phone call stating we needed to sign modification papers. I questioned why a modification this is supposed to be a defferment. They stated that it took a year to qualify for deferment all the time their company we were fine. Now they are trying to force us to sign a modification which is not the protection the government put in place. We requested phone conversations to be pulled if their associates and they stated it doesnt matter they were behind in their decisions. Seriously. They sstqte one thing and then try to force people into extra interest etc. any assistance with this horrible company would be greatly appreciated as this company has down nothing but lie and scam
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2021-02-24
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. (TX)

The account XXXX not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I Have Found Some Information Inaccurate On My Credit Report Which Shows Account For XXXX  And XXXX XXXX  Was Not Paid. I Don't Believe This Account Was Ever Paid As Late. I Request You Verify The Information And Remove Inaccurate Information From My Credit Report As Quick As Possible. Iv'e Never Missed A Payment I Have XXXX On Time Payments The Items In Question Is XXXX XXXX XXXX XXXX  After Doing So Please Provide Me With Updating Credit Report Thanks For Your Time
Consumer complaint received 2024-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

I was called 6 times yesterday ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), and 2 times today ( XXXX and XXXX ) by Navient. I answered the second call today and stayed on the line for 17 seconds before they disconnected. This happened when they were harassing me in XXXX. Whenever I'd answer, they'd immediately disconnect. I recognize this as a psychological tactic used by corporations to circumvent laws, such as the FDCPA. I have requested all correspondence be transmitted in writing multiple times over the years with the most recent being in XXXX of last year, but they are not honoring this request. The calls are in regard to mismanagement of my payments as I've continued to make payments, but they are claiming they're not receiving them, stating that payment information has changed on their end. As of right now, they are requesting that I send them bank statements with payments to prove that I've been paying, but that request seems unreasonable as that would mean I am servicing my own loans. It is the customer 's responsibility to pay and the loan servicer 's responsibility to service the loan. - I am a customer of Navient, not an employee.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Experian keeps reporting information on my credit report report with out asking me I file an dispute and told them according to 15 USC 1681a ( 1 ) ( 2 ) says it don't suppose to be there they doing what they want and I also told they will be fine. Because of them now I'm homeless
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX From : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX ] Report # XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. Please Investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I also respectfully request to be provided proof of these alleged items specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late please update my payment history to PAANL, status ( paid as agreed never late ). And supply a corrected credit report to any creditors who have requested a copy of my credit report in the last XXXX months. 
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within XXXX  days of the completion of your reinvestigation. I also read that under federal law, you have XXXX  days to complete your investigation. 
It Is my understanding that you must validate these items with the reporting creditor for aaccurac, please remove any information that the creditor can not verify. I know this must be completed within XXXX  days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (SC)

Caine & Weiner billed amount XXXX $ -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Please delete these items immediately.
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I am disputing a debt on my XXXX XXXX XXXX account with NCS. I had asked for proof that the debt was mine and they gave me a contract signed and fulfilled in XX/XX/XXXX and one that I did not sign, also attached with a list of payments that I did not make. However, I was not living in those apartments at the time and had already moved out on XX/XX/XXXX. 

I have repeatedly provided them with my lease from that time, which clearly shows that I moved in on XX/XX/XXXX. I don't know who was making the payments on those apartments if I didn't live in them and why NCS. I was only informed 4 months later that it was in default. I have attached my new lease contract for the place where I moved, which has the information of the owner of the house, in case you want to contact her to verify that I lived in that house for one year, starting XX/XX/XXXX, to the XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I spoke with a target representative and also an XXXX  XXXX  representative who I informed both that I was regarding our phone calls for credit purposes and they both agreed and was okay and we moved forward with the phone call. I stated to both that once I paid for the account I wanted it deleted off my credit and they both agreed and said it would be no problem to do so. XXXX XXXX stated they couldn't give me a paid for deletion letter because they just handle the payment part since it was turned over to them but once I pay I will get transferred back to target who will then give me the letter and it will be deleted from credit. The representative from target stated that Yes once I am paid in full they will take the initiative to delete this account off my credit. I then got transferred back to XXXX XXXX where I paid XXXX expecting for the account to be deleted and it's still showing on my credit report as open. I really went by the recording and hoping the target representative and alliance one will stand by their word and delete the account off my credit. They are allowed to delete off credit as they are allowed to post to the credit. I had an account with target red card. I I called them to close the account and was told I would have to make an payment to close it which I was okay doing but when it got time to make the payment the representative told me oh your case was transferred to another company and when the other company got on the phone they asked for my information in which I was sure they would've had it. It was XXXX XXXX which is a collection agency. I never received anything from XXXX XXXX saying they are the ones in charge of my collection or anything. I wouldn't even had known my case was transferred to them had I not tried to make a payment. I have tried many times to dispute this account because it has been very detrimental to me and my well-being s as it has made my credit drop. 15 U.S.C 1681 section 602.A states I have the right to privacy and I feel my privacy was evaded by target transferring my account without my knowledge then posting on my credit report. XXXX XXXX is trying to collect the debt but td bank/target is reporting on my credit. Its too many discrepancies. I would like to pay off this amount and have it deleted off my credit. It is reporting open by target but they are sending me to XXXX  XXXX which is a collection agency to pay when I need to pay with target so they can delete an cease any other communication or bonding with each other. This is the second complaint Im making towards target card and XXXX XXXX
Consumer complaint received 2020-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank initially seemed to understand that the merchant ( XXXX XXXX ) had made false claims regarding a purchase I had made and its return policy regarding a defective scooter. I am XXXX years of age and XXXX. 
3 months after refunding the purchase price of the defective scooter the merchant sent a false and unfair claim that regardless of the circumstance that the item be returned within 14 days. Citizens Bank then unjustly refunded the purchase price to the merchant, causing me an overdraught of {$680.00}. They initiated this without giving me the opportunity to dispute the merchant or to defend my position or to view the merchant 's claim, which Citizens Bank had promised to do ; They just went ahead and refunded the {$1300.00} to XXXX XXXX, saying that their claim was indisputable.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

This is Citibank / Best Buy credit card I signed up in XX/XX/2023 for a special payment plan where you wont be charged no late fee no interest so my payment was XXXX paid on time every month XXXX XXXX # XXXX and she assured as long as your payment made on time there will not be a negative report! XX/XX/XXXX my pay was due XXXX I called and spoke to XXXX XXXXXXXX and stated as long as you pay by the XXXX of each month youre good! XXXX I received a dig in my credit saying thirty day late and immediately called and spoke with XXXX # XXXX Manager he stated the reason why this occurs when the month is a shorter month which is XXXX and it will report late will especially if thats your cut off date for statements to close I do my best to have this removed from if you look I never been late with this XXXX since I signed upon this plan now they wont accommodate there mistake
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

Target Redcard.. They are Pressuring their Consumers to Purchase by saying they have not seen Activity for over a Year, so they will Close account per their Policy I received this Marched XX/XX/2024 and I am appalled as to how they literally are giving Customers an Ultimatum. Basically, either you Purchase or your account will be closed. 
I called this Hotline XXXX. I requested to Speak with a Supervisor in Financial Dept and Spoke to a Regular Customer by the name of XXXX ID # XXXX. When asked why am I not Purchasing I stated because there is nothing in Target I need and what I do need to Repurchase is either not available OR Expensive.. Once I mentioned to her I was going to Report this, this is illegal. She claims its within Targets Policy as they can not Pull my Credit etc etc. Buy not to worry, They will forward Feedback as will give me some time to Think as another Letter will Follow. Really? Again. I could not Emphasize as Reiterate what I stated as to them forcing Consumers to Purchase or will close Card as hurting Consumers Credit by Closing without their Consent. Above all this is not a XXXX XXXX or XXXX. Oh we have Partnered with XXXX.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (MD)

Today, XX/XX/XXXX I called a collection agency to make a payment arrangement for my debt. I was told I would have to pay the debt in full. I asked why is that & the agent responded by saying because its been too long. I said well it has been 5 years, but I want to make a arrangement before the account closes. The agent responds, no maam we will continue to update the credit bureaus. I then asked to be with a supervisor. I was told this is not a supervisor matter, why do I want to speak to a supervisor. I explained I did not understand because it has been too long. She refuses & I asked again calmly. The agent started yelling at me, saying she will put in the system she has updated me on the information and told me to have a good day and she hung up on me. Within a few minutes later, I am being called and hung up on from different numbers. I do not appreciate being harassed & yelled at for trying to pay off a debt.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

ANFI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$600.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

on XXXX XXXX my bill for XXXX dollars did not go through when it was on auto-bill, i reached to the company and they said that they saw the payment try to come out of the bank, but it was rejected. they never notified me of the rejection and gave me this late payment. i now can not get a loan because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-11-29
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. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020