davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc. (IL)

I have asked the company to provide information on where this debt originated, they sent me a folded up copy of dental bills. I then contacted them to setup payment options. I was told it had to be paid in full, there are no settlement options. I also requested information on deletion of account from credit profile. They related they will not delete this from the credit profile unless a certfied check is paid or wire transfer. They also refused to provide this information in writing and stated that credit card or debit payment would not delete it from the credit profile. They refused to provide that in writing as well. I feel they are utilizing coercion to have a preferred payment method with this treatment. I have also received numerous calls from this company. I have tried to resolve this but have been advised that my options are limited. Account numbers that were provided to me XXXX and XXXX.
Consumer complaint received 2019-02-19
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)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to XXXX me a loan because of this. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX , XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX and XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-19
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. (FL)

I've contacted XXXX many times, regarding information currently being reported on my credit file I've informed that this information is in the result of identity theft I've sent them my credit report, my dispute letter, my FTC affidavit, my police report, I've also sent them a copy my other report so they can verify that the accounts I reported as fraud had already been verified and removed by the other credit bureaus and they are still refusing to remove the accounts! 

The accounts are 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX THEY ARE REPORTING MY XXXX CARD WITH LATE PAYMENT WHICH IS NOT CORRECT ALSO I HAVE 51/ WHICH 48 ARE INQUIRES HAT ARE FRAUDULENT!
Consumer complaint received 2019-02-19
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. (MO)

I've challenged the following accounts on many occasions, however the main 3 credit bureaus, XXXX, Experian, and XXXX all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, XXXX XXXX XXXX, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.
Consumer complaint received 2019-02-19
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX and XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX BANK took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Consumer complaint received 2019-03-06
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: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I purchased a XXXX plan. They told me my account would be active in 1-2 weeks. 
On XX/XX/XXXX, after trying to use my service for the third time, I Still could not watch a movie. So I sent XXXX a cancellation request email for their service. I received no response of course. 
On XX/XX/XXXX, I filed a dispute with my Citi XXXX, where I placed the XXXX charge. They immediately refunded my money. 
On XX/XX/XXXX, XXXX messaged me regarding the chargeback request and the suspension of my account stating that if the vendor upheld my payment, I would need to email them to get my account reinstated. 
On XX/XX/XXXX, Citi messaged me with an updated stating XXXX had responded to their inquiry. They reinstated the {$110.00} charge on my account. 
on XX/XX/XXXX, I emailed XXXX and asked them to reinstate my account. No response. 

An individual pays {$110.00} to watch 2 movies a month. Out of my entire service, I have maybe been able to watch a single movie. I do not think it is fair to charge for this service as I can not use it and even when I try to use it, it A ) does not work or B ) XXXX did not reinstate my account to use it. I am not a chronic disputer. This is the only dispute I have ever filed with Citi. I do not want to pay for a service I can not use and neither do I want to use anymore at this point. XXXX is the WORST vendor I have ever worked with.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I was given extension or payment relief by XXXX for two months XX/XX/XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XX/XX/XXXX and XX/XX/XXXX beside relief XXXX XXXX XXXX charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XXXX XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have XXXX sons XXXX wife family to look after but they playing with me continuously now I am filling complain against these two XXXX XXXX XXXX and experian XXXX  and XXXX I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Both XXXX XXXX and Midland Credit Management were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked Midland Credit for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that XXXX XXXX, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, Midland Credit has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.
Consumer complaint received 2019-02-19
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: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC continues to report INVALIDATED and FALSE information on my credit report. They have added a collections debt onto my credit stating that I owe the amounts of {$1500.00} & {$1100.00}. I have reached out to this company three times by letter in starting in XXXX of 2018. I have let them know that this debt does NOT belong to me and that they need to prove by validation that I am responsible for this amount LVNV Funding LLC allege. They have yet to produce any proof that I am the owner of this debt. This right for validation is afforded to me by the Fair Credit Reporting Act. They have not produced any legally binding commitment from me the alleged original party. That includes no proof of contract, e-signature, verbal agreement or any of the sort relating to prove that this debt they purchased elsewhere belongs to me. Attached are their very insufficient responses to my dispute in which they produced a screenshot of charges made by someone that is NOT proving to be me.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MI)

Back in XXXX, XXXX ( XXXX ) was sold or purchased by CitiBank. XXXX sent me a letter that my account " was not eligible to transition. '' And that my account was closed. It took 7 months and a complaint to you to get a response from XXXX as to why. ( Sort of ) They said that it was not them that said I was not eligible, but CitiBank. This is very strange as I was sent a credit card by CitiBank, but when I went to use it, it was denied. So I called the # on the back of the card to ask why and was told that there was no record of that card # and it must have been sent by mistake?!?! REALLY??? I spent over two hours on the phone with CitiBank and NO ONE had a clue as to what happened? I have names, phone # s etc on who I talked to that day. So based on my response from XXXX thru you, I sent a certified letter to CitiBank asking as to why I was denied. I have pulled credit reports that I have a Credit Score of XXXX, never late on payments, paid ahead on accounts, etc. The letter was signed for XXXX XXXX  XX/XX/2020. I have not received a response as of XX/XX/XXXX and am obviously being blown off. I am entitled to a reason as to why my credit was denied!!
Consumer complaint received 2019-02-19
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)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-03-04
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. (GA)

I contacted XXXX XXXX in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my Equifax credit file. Per Equifax, this account is valid per XXXX. This is not my account and this collection is causing a major detriment to my credit file.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

On XX/XX/XXXX, we filed a complaint with the CFPB because Fay Servicing had not responded within 30 days to our appeal or application for a modification. 

On XX/XX/XXXX we received a letter from Fay Servicing on XX/XX/XXXX stating that we were approved for a deferment on our loan. The letter stated, " With a deferment, the total past due balance is deferred to the end of the loan. This second unpaid principal balance does not come due, until the loan matures or is paid in full. '' We contacted our customer service representative, XXXX XXXX, on XX/XX/XXXX to accept the deferment. XXXX XXXX was not available so we spoke with another representative, XXXX. XXXX confirmed that we accepted the deferment and would put the process through with our acceptance. We emailed the applications department at Fay Servicing our acceptance as well. We were told a conferment letter would be sent to us with a XXXX label. We asked how long would it take for the letter to be drafted. XXXX said it usually takes about a week or so and said he would stay on top of it to make sure it gets out soon. He also told us that all foreclosure proceedings were on hold and suspended for now. 

On XX/XX/XXXX, we called to follow up with XXXX XXXX and he said the letter had not been drafted and it would take another week to be done. We asked to speak with his manager, XXXX XXXX, who told us that we had been approved in the system on XX/XX/XXXX but that the deferment we were approved for was different than what was written in the letter sent to us on XX/XX/XXXX and sent to the CFPB. XXXX said that the large deferment that we were approved for was for half of the amount past due to be paid in monthly payments for 6 months in addition to the regular monthly payment and the other half would be added to the back of the loan. This is NOT what was written in the letter from Fay Servicings legal department, please see attached letter. We told him that this was not what was written in the letter from his legal department to us and the CFPB. We requested to speak with his supervisor to resolve this matter. We are awaiting a call back from his manager, XXXX XXXX. 
The letter also promised that the foreclosure proceedings are on hold, but we do not believe that to be the case.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (GA)

I have advised XXXX of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with XXXX  because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.
Consumer complaint received 2019-03-09
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. (NY)

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (FL)

In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/XXXX ... this account was paid in full including interest for XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and XXXX I'm the person being harmed.
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (NC)

On two different occasions my husband visited the doctors office around the same time we were in transition of moving out of state. The doctors was informed of our new furture address to send the final bills to but continued to use our old address resulting in the two bills getting lost with USPS and therefore we never received the bills. It wasn't until our mortgage lender pulled our credit that we learned of these two descrepencies on our credit reports. We immediately paid the two payoffs and they said that they would remove these negative remarks/collections from our credit. To date they are still on our credit. Please remove from our credit.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP (VT)

User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX  but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted XXXX XXXX and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by XXXX XXXX. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit report.