davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020, after more than a month of attempting to file an online dispute ( their site has been having technical difficulties for more than a month now ) I contacted Experian requesting a dispute of the bankruptcy on my credit file. They are the only one of the three credit companies that have been able to validate the information. It has been removed from the other two. In the dispute I requested to be provided all evidence demonstrating that the company provided proof that the data I have disputed was valid. I requested this be provided to me, from the company, in writing. They provided the dispute electronically and failed to provide any details. They stated, " The company that reported the information has certified to Experian that the information is accurate. '' At no time have they provided any details on how they validated the disputed information. They fail to provide any details and direct me to contact the company. It is not my place to contact the organization about information on my credit report, it is theirs. They are the ones reporting the data and I disputed it with them. If I need to contact the organization reporting the data, I need Experian to provide the data I requested. Namely the name and direct contact information of the individual ( s ) contacted at the organization, as well as their role in the organization, so that I may contact them directly. Of the three credit reporting agencies Experian is the only one that A : claims to have been able to validate the information ( the other agencies have removed the reported data ) and B : fails to provide the details as requested to demonstrate they in fact validated the data. I want to know who, what, when, where, and how the data was validated so that I may recreate the results. I request more than just a statement saying they contacted the company and validated the information. I want them to prove it. I refuse to " take their word for it ''. How was they contacted, verbally or electronically? Who did they speak with? What evidence did they provide to validate the information was accurate? When did they provide it and where did they provide it ( electronically, verbally, in writing ). I have requested this information, in several disputes on several occasions, they always just provide the same statement and fail to provide anything else. The bankruptcy on my credit needs to be removed or they need to provided details documentation to me on how this was validated, with whom, when, and by what means. I need the who, what, when, where, and how details to attempt to follow up on my own.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (CA)

XXXX XXXX continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from XXXX XXXX to no avail. XXXX XXXX has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.
Consumer complaint received 2023-02-13
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)

n 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 2020-06-24
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. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian.  


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MT)

In XX/XX/2019, XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX sent a summons for court on behalf of XXXX XXXX XXXX for the amount of XXXX. In XXXX we had pre trial conference in which I stated this was not my account. Documentation was sent back and forth and in XX/XX/2019 we were set for trial. The judge ordered the case to be dismissed in XXXX because LVNV Funding did not want to proceed due to lack of evidence. I requested this account be removed from my credit report which is was but then put back on my credit report.
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (OR)

My wife and I have been trying to get a hold of Specialized Loan Servicing from XX/XX/2020 up to the current date XX/XX/2020 after calling and being on the phone for more than 40 minutes on with an automatic service being transferred from one place to another without being able to speak with an actual person, leaving a call back number, emails. also having a third party to contact them on XX/XX/2020 throughout the entire day no response. I have exhausted all forms in order to get a hold of them with my concerns on my mortgage I have also filed a complaint with the BBB on XX/XX/2020 for this matter in hopes of some type of resolution but I have not yet gotten a callback. It has been a nightmare dealing with this mortgage company.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.
Consumer complaint received 2022-10-12
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. (FL)

On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OR)

I got phone call from Caliber Home Loans on XX/XX/XXXX. 
They told me that I was due for pay for XX/XX/XXXX, and my previous loaner XXXX XXXX XXXX transfer service to Caliber on XX/XX/XXXX. 
Actually I had already payed until XXXXBut Caliber said they didn't receive it, and asked me to called XXXX XXXX XXXX to make sure the transfer. 
When I called XXXX XXXX XXXX, and they told me the service had already transfer .But XXXX XXXX XXXX XXXXonfirmed I payed it already and payment due date is XXXX requested document for payment history, statements and bank transfer history, and upload to Caliber website, but Caliber 's manager doesn't want to help me and still told me They will not use my documents to change anything.And Caliber asked to call XXXX XXXX XXXX  to FAX them.But now they still said it's not their problem and push to XXXX XXXX XXXX.The same thing when I called XXXX XXXX XXXX  they said they transfer everything very detail it's Caliber 's problem.They even don't want to call each other to verify.I do whatever I can do now.No one can help me .They just push.I need help because two accounts with two months payment it's around XXXX XXXX missing.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Equifax never informed me that there was a security breach with my account when they had that huge breach. I have filed several fraud reports with all the companies and yet they did failed to inform me or even try to help me fix my credit.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (SC)

This information was deleted off of my credit I was mailed a copy and Midland Credit who was the original debt collector and now I have another debit collector trying to get payment to pay off the debit. I spoke with XXXX XXXX XXXX  advising I am unable to pay the full amount {$1800.00}. They sent a summons before I knew XXXX and XXXX had the debit. The original lender did not contact me for payment and it was obviously sold to another debit collector. Now that I had it disputed here I am with a summons that I believe should not have been sent. I reached out but they could not help me settle this payment. I advised them due to covid-19 and unemployment I could settle for {$200.00} they declined the offer.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (TX)

I file a depute on XXXX to your company experian for incorrect information reporting on my credit report which you fail to investigate in the 30 day time frame by law you are required to respond which means the invalid information must be deleted from my credit report Im demanding you delete this inaccurate information immediately! A 30 day none respond letter dated XXXX was also sent please take care of this issue immediately! Thank you.
Consumer complaint received 2020-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2020, I placed an order through the Internet for a transmission for my truck with XXXX XXXX in Florida. The cost was {$1900.00}. They requested the full payment. I put {$1500.00} on my XXXX XXXX and the remaining balance of {$480.00} on Capital One. 
XXXX XXXX said it would take a few weeks. When I did not receive it as promised, In XXXX, I phoned them numerous times to find out about the delay. Each time, they gave me a new date. It arrived in XXXX, and I had it professionally installed. The truck could not be driven because the transmission did not have a forward drive. I phoned them to complain and was told they would fix it, but I needed to pay {$390.00} for the warranty. Also, I needed to send them the transmission core from my truck. When I refused to do this, I was instructed by XXXX XXXX, their Customer Loyalty Specialist, to ship the transmission back to them. I sent an e-mail to her on XX/XX/XXXX stating the reason for the return. She provided the shipping information, and I shipped it back on XX/XX/2020. I have a copy of the XXXX XXXX XXXX Bill of Lading and XXXX  XXXX  confirmed on the phone that it was received in XXXX. 
Because my truck had been out of commission for seven weeks, I had the XXXX transmission shop in XXXX XXXX rebuild my transmission. I paid them {$3500.00}. 
I contacted both XXXX  and Capital One and explained that I had returned the defective transmission to XXXX  XXXX. They credited my account. However after sixty days, Capital One put the charge {$480.00} back on my bill. They told me to contact XXXX  XXXX which I did numerous times. They said the problem is with Capital One. I have been volleyed back and forth without results. I contacted both of them on XX/XX/XXXX. Now XXXX XXXX claims they did not receive it back, and Capital One refuses to credit my account.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

Collection agency is trying to collect a debt that does not belong to me. Account was re added after having already been removed. Account was already removed from 2 other credit bureas years ago after they verified that the debt did not belong to me. Account appeared in XXXX of XXXX while I have not had a XXXX account since XXXX.
Consumer complaint received 2023-02-17
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: BARCLAYS BANK DELAWARE (PA)

XXXX XXXX double charged my Barclays Mastercard by {$330.00} on XX/XX/2023. I contacted the airline on various occasions and each time they informed me they only charged me once and I had to resolve with Barclays, despite it showing up twice on my Mastercard. I submitted a dispute with the bank, who declined my inquiry. I have receipts and proof of the correct charges, however Barclays will not resolve. My receipt states {$330.00} despite being charged {$660.00}. I have called Barclays to escalate without success. I have asked Barclays to yield proof from the merchant, but they havent been able to provide that. Instead. Im being charged and forced to pay without a resolution.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (NV)

I submitted multiple written disputes to XXXX, Equifax, and XXXX regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with XXXX, Equifax, and XXXX. 

The responses from XXXX, Equifax, and XXXX clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from XXXX, Equifax, or XXXX. I have not received any documentation to date from XXXX, Equifax, or XXXX that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX  Credit Card XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # XXXX 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXX XXXX XXXXXXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXX XXXX Charge-off 8 ) XXXX XXXX XXXXXXXX XXXX Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with XXXX , Equifax , and XXXX. I am requesting the CPFB assist me in working with XXXX, Equifax, and XXXX to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-20
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. (CA)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX   XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not physically able to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-16
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. (IL)

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 Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 or 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.