davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.
Consumer complaint received 2022-06-15
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.

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
Consumer complaint received 2021-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-11
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. (FL)

I HAVE BEEN HAVING PROBLEMS WITH XXXX XXXX XXXX XXXX XXXX XXXX. ALL STARTED BACK XXXX NOT PAYING MY BILLS BCUZ I GOT XXXX.SO WHEN CREDIT CARDS STARTED REACHING OUT TO ME TO MAKE ME A LOWER PRICE TO SETTLE THE ACCOUNTS I WAS ALL FOR IT BUT THE AGREEMENT WAS TO TAKE OFF THE ACCOUNTS BCUZ OF LATE PAYMENTS, DERGORTORY, COLLECTIONS & DELINQENT WOULD BE STUCK ON MY ACCOUNT FOR 7 YEARS. SO EVERYTHING WENT WELL WITH XXXX XXXX XXXX BUT NOT WITH.I EVEN BEEN DOING FTC.GOV AND YOU GUYS CFPB.SO CALLED EXPERIAN TO ASK THEM ABOUT IT AND THERE ANSWER WAS THEY DIDNT KNOW ABOUT ANYTHING ABOUT THE SITUATIONAND THEY SEEN BUT REFUSE TO TAKE IT OFF. I HAVE BEEN FIGHTING THEM EVERY MONTH BACK IN FORTH BACK IN FORTH. PLEASE I BEG YOU TO GET THEM TO UNDERSTAND YOUY TO TAKE THE 2 ACCOUNTS OFF WITH EXPERIAN PLEASEEEEE ITS MAKING ME SICK TO MY STOMACH. I HAVE DID EVERYTHING POSSIBLEXXXX XXXX XXXX XXXX XXXX XXXX. PLEASE MAKE THEM TAKE THESE 2 ACCOUNTS OFF .I DONT THINK THAT EXPERIAN THINKS YOU CAN TAKE THESE 2 ACCOUNT OFF. THATS WHAT I WAS TOLD BY A EXPERIAN EMPLOYEE. TAKE BOTH ACCOUNTS PLEASE I BEG YOU. THERE CLOSED AND PAID UP. HELP WITH THIS PLEASEEE. ITS A NIGHTMARE. MY BUSSINES & PERSONAL BOTH SEEMS LIKE THEY ALL CREDIT CARDS & FUNDING LOOKS AT THEM. MAKE THEM LISTEN YOU PLEASE XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card
Consumer complaint received 2020-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

American Express is personally pursuing a credit card debt owed by a XXXX XXXX, that I'm a XXXX  of. Company is going through difficult times and now with the Coronavirus pandemic, is not functioning at all, like all similar companies, making payments on any debts, impossible. 

I personally, for over a month now, am displaced from my place of residence due to the virus and the fact that my wife is a XXXX XXXX XXXX, dealing with XXXX XXXX on a daily basis. 

American Express has been harassing me with phone calls despite me asking them to send me all information on an email, so I could go over the options and review the situation. Where I am currently, cell service is limited and I can only make phone calls when I'm going to get groceries which I communicated to AMEX on one of my trips to the grocery store, via voicemail. I can't access my mailbox being many, many miles away and with my cellphone service being completely unreliable, email is the only way I can review and respond to any claims. 

Furthermore, AMEX has been harrassing my wife with phone calls recently, and caused emotional stress to her in these difficult times when she's already emotionally stressed with the work and with not seeing her children and husband for over a month. 

Last Saturday, XX/XX/XXXX, AMEX has destroyed my credit score,  bringing it down to 500 points by reporting the company debt to my personal credit. 

AMEX has done all these things without attempting to settle the debt on company 's assets. Company has various assets that could have been used to satisfy the debt, at least partially. Furthermore, I never received an email summary of what is happening and what is planned and I never received a proof that I'm personally liable for the credit card debt that is owed by the company 100 %.
Consumer complaint received 2022-06-28
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (MA)

Vervent/XXXX  has listed on my credit report, particularly XXXX, that I have an delinquent account with them. This incorrect. For starters, I have contacted them about this account which I never opened. I was advised that this account was opened with a credit card by the name of XXXX XXXX. That was not done by me and I don't know that person. Secondly, I asked them to delete the account by making a money order for the total amount on my report in hopes to remedy this. Vervent cashed that money order in XXXX of 2019. At this time, Vervent doesn't even own the account. It has been sold to another vendor, who has sent me a letter advising that they stopped all collection efforts. Vervent doesnt have any documentation on file to indicate that I opened this account or that I'm deliquent. This fradulent and I tried several times to remedy. This is my last attempt before I sue them. This entry is affecting me a great deal and it needs to be DELETED.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PERSOLVE would verify the debt. So I took it upon myself to ask PERSOLVE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-12-08
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2021-03-02
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: EQUIFAX, INC. (FL)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-02
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. (PA)

HAD A PURCHASE IN XX/XX/XXXX XXXX. MADE A RETURN THAT WAS TO REDUCE THIS ORIGINAL AMOUNT. XXXX XXXX XXXX XXXX ( THRU XXXX XXXX XXXX XXXX DID NOT SEND ANY BILLS FOR ALMOST 90 DAYS ( ZERO COMMUNICATION ). NO CALLS/NO TEXTS/NO MAIL/NO EMAIL TO SAY THAT THERE WAS A BAL REMAINING OF {$83.00}. THIS ACCOUNT HAS BEEN OPEN FOR 19 YRS ( AND HAS NEVER EVER BEEN LATE ) XXXX REPORTED THE ACCOUNT ON TRANSUNION 30 DAY PAST DUE IN XX/XX/XXXX WITH A BAL OF XXXX SHOWING ON BUREAUS ( THIS IS A ZERO BAL AS OF XXXX. I WOULD LIKE THEM TO REVERSE THE 30 DAY REPORTING ON ALL 3 BUREAUS
Consumer complaint received 2020-04-21
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. (GA)

I am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX Ohio  to XXXX, GA. Someone in XXXX OH  has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL   XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Back in XXXX my husband did a loan with XXXX XXXX who was bought out by XXXX than SPS Servicing. We paid faithfully every month for 15 years. Then we received notice that my husbands loan was a XXXX loan and it matured in XX/XX/XXXX. And that we originally took out for XXXX but in the end we owe XXXX. I asked how can that be so none of the payment went towards the loan? They added on fees, for what I don't know, one person told me from transferring from one company to the next I said so none of MY PAYMENTS WENT TO THER LOAN????. So I said for 15 years payments not one penny went to the loan?????? Hard to believe. I've asked for copies of every payment, can't get that because its 15 years old and the first company is out of business. I found out that XXXX out of the XXXX payment was going towards the loan. So if that is true that would be that I at least paid XXXX of this loan off????? They are stating that we owe the whole amount of XXXX. I paid XXXX already to see if they would settle for that and they said no your house is going for short sale or foreclosure. So my husband went into his XXXX k and took XXXX out to pay them to save our house. I tried for a year to do a modification with them as I sent in paperwork after paperwork after paperwork and I have it all and after a year they denied us. One person there told us that they are hurting that they want to take peoples home like mine and make money off of it. Also they told us because we are NOT behind on mortgage they would not help us. I said isn't that good, you don't want people behind. I need help as something is not adding up here. There website said they are here to help people save there home. Well they sent me papers and want me to do a short sale or foreclosure .... Now are they helping at all and I want to know why didn ; t any of my money go towards the loan... It had to. Please help so others do don ; t have to go through the worry of this.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Remove this fraudulent account from my XXXX XXXX XXXX XXXX XXXX assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my mental state and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I had lab work done at XXXX XXXX during XX/XX/XXXX. My medical information was shared with a collection agency, Account Resolution Services, now I am be charged {$2000.00} since XX/XX/XXXX. I've attempted on two occasions sending letters to ARS for debt validation on XX/XX/XXXX, and XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for ARS to have authorization to collect a debt. Instead ARS has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies on XX/XX/XXXX, explaining that ARS has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. As of today only XXXX has corrected my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I reported a fraudulent transaction my account on XX/XX/XXXX. I received the new card on XX/XX/2021. Between XX/XX/XXXX thru XX/XX/XXXX, someone was still using the deactivated card that I reported on the XXXX so I had to call back. One transaction was processed in the back office and the bank can't tell me where it came from. On XX/XX/2021 I was told my account had been closed due to business rules and regulations. Not quite sure what that meant but I have been baking at this bank for years and not one person can tell me what rules and regulations that I am violated considering all I did was report fraudulent activity and yell a few folks. I then tried to open an account at XXXX XXXX and got told the same thing. There is nothing on my XXXX report and I don't have bad credit. SunTrust has done something and I am NOT standing for this. My next call is to an attorney! I won't be penalized for something that I didn't do.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (PA)

I was given a prepaid Visa card as a bonus through my employer, I had to pay taxes on this card as income. I received the card the end of XXXX and planned on using it for a Veterinary expense for my pet. Due to COVID and office closures etc I was not able to use it until XXXX of 2021. When I went to use the card the balance left was XXXX cents, not the XXXX for the bonus. I immediately logged in and found the card had been compromised in XX/XX/2021. This card has never left my wallet from the day my employer gave it to me. I still have the card in my possession. I contacted them and advised that I was just made aware of this issue and I was told I only have 60 days to dispute. If the card is still in my possession how would I know it was used by someone else? I made my inquiry also to the merchants and was advised that I would need to dispute with the credit card company.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I noticed 2 transactions made using my EDD debit card. Someone had stolen my wallet and phone out of my car while I was camping. I immediately reported the theft to the bank and disputed the 2 withdraws that occured just days before. I told them my wallet had been stolen and that the two withdraws were not made by me and were fraudulent. They denied my claim 8 days later and then lied to me on the phone and said it had been sent to another investigator and that it quote " was looking good '' I called back the next day, the XXXX and thats when I found out they had denied my claim and were not investigating it further and that it had been denied on the XXXX.