davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UMPQUA HOLDINGS CORPORATION (CA)

I have sent a few disputes to this company via certified mail with return receipt that have yet to be properly investigated or responded to. Furthermore they continue to charge me, add fees and report to CRA in the middle of unresolved disputes in accordance to FDCPA guidelines and regulations after written notices have been sent to not do so
Consumer complaint received 2023-03-18
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. (NY)

On XX/XX/2023 - First certified letter was sent to Transunion to request physical verification of accounts annotated on credit report per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) XX/XX/2023 -First certified letter received by Transunion XXXX 

XX/XX/2023 - Transunion requested PROOF of ADDRESS with acceptable documents that was already included with first certified letter via CFPB XX/XX/2023 - Transunion requested PROOF of ADDRESS that was already included along with first certified letter via CFPB XX/XX/2023 XXXXSecond certified letter was received by Transunion XX/XX/2023 - Transunion has failed to properly verify inaccurate information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. I did not receive physical verification of accounts listed BELOW! 

Transunion has disregarded federal law and I demand these accounts to be deleted : Name of Account : XXXX Account Number : XXXX Name of Account : XXXXXXXX XXXX XXXX Account Number : XXXX Name of Account : XXXXXXXX XXXX  Account Number : XXXX Name of Account : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MicroBilt / PRBC (formerly CL Verify) (GA)

In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by Microbilt -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for Microbilt but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had Microbilt run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get Microbilt to remove this inquiry from my credit.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (HI)

XX/XX/XXXX, I wrote a goodwill letter to forever21 politely asking to remove the delinquency from my credit report. It was hand written and sent out never to be heard from again. I am quite certain that this has been an ongoing negative check on my credit since XXXX  not allowing my score to increase as I have been working towards a better score for the last few years. This company is bankrupt and out of business in many locations, and to still have such a negative effect on my credit is reprehensible. Please help me resolve this matter ASAP.
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

To whom I am concerned, My name is XXXX XXXX, and I am reaching out to CFPB because I have an issue with ED Financial. During the pandemic, I paid my student loan totaling approximately {$470000.00}. However, last week I received a {$100000.00} check ( refund ), and the customer representatives could not provide any specifics regarding the other amount.

In addition, before ED Financial, my service provider was XXXX XXXX. I have tried to speak with them, but the number does not work. 

Furthermore, I have attached the documents that prove that I made the payments and my loan amount was approximately {$360000.00}. I would like it if you could provide some guidance for me. 
Thank you in advance for considering my request. 

Best regards, XXXX XXXX
Consumer complaint received 2020-09-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

I am writing to dispute multiple accounts that are fraudulent on my report for the countless number of times. I've asked numerous times to validate the debt which credit control XXXX  failed, The dispute has also been well over 30 days which is in violation according to 15 USC 1681i ( a ) ( 1 ) ( A ). Delete and remove all accounts listed immediately, I also require monetary relief of {$5000.00} for false and deceptive representations of me according to 15 U.S. Code 1692j ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, I did not make this/these charges or accounts. I've submitted multiple FTC identity theft affidavits which they have not responded to.
Consumer complaint received 2022-12-28
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)

Your records show that loan number XXXX was obtained and funded, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file Client Id XXXX
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Had an account with this company in XX/XX/XXXX account was charge off and closed. After the account being charged off and close they still report to the credit bureau as miss payments. You can not miss payments on a closed account. The company knows the law and they need to remove all late payment from the account 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 not report a closed account to the credit bureau for late payment. I have contacted the company several times to stop but they continue to report late payments on a closed account. The account should be removed I never open the account on XXXX XXXX XXXX as they stated.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent you a dispute letter over a month ago ( XX/XX/2022 ) and I was expecting you would give me some kind of response since that's what the FCRA requires you to provide an update within 30 days but I don't know what happened it seems I need to seek help from CFPB first before it gets noticed.
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (VA)

XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX I did not know about I do have a collection bill. Because, I had XXXX card that time when I use. Until now? my credit is freeze. Can you fix it please.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (TN)

I contacted XXXX XXXX on a matter of an account, now 6 months ago and I send a dispute with the credit bureau on XX/XX/2020. and as of now Experian, XXXX, and XXXX. The FDCPA states that all debt must verify in 30days.
Consumer complaint received 2020-09-03
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. (TN)

For the last three months ( XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.
Consumer complaint received 2022-12-28
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. (LA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} LA XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$820.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} LA XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America is listing a credit card account as charged off on my credit report and has been for approximately 5 years. I have disputed this the ENTIRE time repeatedly. In accordance with FCRA 623 ( a ) ( 3 ), " Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. '' The account has never been noted as disputed. I took it upon myself to dispute directly with the CRA 's THREE ADDITIONAL TIMES : XX/XX/2020 ( certified letter with tracking # ) w/ no correction XX/XX/2020 ( direct calls ) w/ no correction XX/XX/2020 ( certified letter requesting DELETION due to failure to comply ) This account is still listed on my report and has been incorrectly reported to my detriment for years.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (WA)

I submitted a dispute on a credit card account for Victorias Secret that is on my credit report. The person who opened this account also wrote bad checks from XXXX XXXX XXXX that i just spent 7 months clearing up. I dont know what else i can do. Number 1, i was homeless on the streets when tnis account was opened. I havent had a VS CC since 2002. 

The collection comp any is XXXX XXXX. On the report it states there was a second card holder by the name of XXXX. And thats it. No last name or any information. I dont know 1 XXXX. 

There phone # is XXXX My name is XXXX XXXX XXXX Thank you so much
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$600.00}
Consumer complaint received 2020-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted some disputes. One company said my ID wasn't visible. THAT IS A LIE. One company said I used a credit repair company. I am insulted that I am being accused of using a credit repair componay. I find this language highly offensive. These fraudulent accounts are already causing me emotional distress, on top of the fact of being falsely accused by you guys. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS ASAP.
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 

Transunion have an inquiry from XX/XX/2020 from XXXX to. I have contacted them both and up to now its still there
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (CA)

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. 

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, 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.

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-04
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. (MD)

Good morning. My ongoing issues are with Equifax. I informed them several times via letters and phone calls that they have a lot of incorrect information reporting on my credit report and to please remove it and they keep telling me that they can't find me in their system. So I sent them pictures of my I.D . my social security card and a bill in my name along with my disputed accounts and it's now been about 45 days and I haven't heard or received anything back from them yet. They are violating my consumer rights and they aren't taking my issue serious nor are they trying to help.
Consumer complaint received 2020-09-20
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)

TODAYS DATE : XX/XX/XXXX PORTFOLIO RC 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 RC 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 Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-21
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)

After reviewing my credit file i discovered unauthorized and unknown accounts being reported as ethic but they are not therefore im demanding these fraudulent accounts be removed and blocked from my credit file. 

1. XXXX XXXX {$270.00} 2. XXXX XXXX XXXX   {$350.00} 3. XXXX XXXX XXXX {$330.00} 4. XXXX XXXX XXXX {$540.00}
Consumer complaint received 2020-09-20
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Massachusetts Housing Finance Agency (MassHousing) (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-11-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

I, as consumer, without aid of credit repair organization, am writing to report an unfair and deceptive practice against Resurgent Receivable evidence by exhibited XXXX XXXX results attached. 

On XX/XX/2022 a completed investigation by XXXX returned with deletion of account information reported in violation of 15 USC 1692c ( b ) as unauthorized use of personal information and highly restricted personal information as defined at 18 U.S. Code 2725.

The debt collector induced a hardship as an unfair and abusive practice.

This deletion is admission of violation of 15 USC 1692c ( b ) for which obligation for willful misconduct is due in compliance to 15 USC 1611 and 15 U.S. Code 1692k ( a ) ( 2 ).

This is an attempt to collection a debt from a debt collector. Any information obtained will be used for that purpose.