davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XX/XX/2022 - XX/XX/2022 Filed a dispute to have revolving accounts removed from my Experian credit report, as they are still reporting unknown or XXXX  balances, payment history, etc on several revolving accounts. They refuse to remove them, stating they are accurate. How do I know that they are accurate if I cant verify what the account info is?
Consumer complaint received 2021-10-14
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: Experian Information Solutions Inc. (TX)

EXPERIAN, XXXX AND XXXX HAS VIOLATED MY RIGHT OF THE FCRA 611 ( a ) ( 6 ) ( B ( iii ).

THESE AFOREMENTIONED COMPANY HAS REFUSED TO COMPLY WITH MY RIGHTFUL REQUEST FOR METHOD OF VERIFICATION ON ALL MY DISPUTED ITEMS WITH THEM.

I REQUESTED THE AFOREMENTIONED CREDIT BUREAU TO PROVIDE ME RELEAVANT DOCUMENTS THAT CLEARLY SHOWS EVIDENCE THAT THEY INVESTIGATED MY CREDIT DISPUTES.

I REQUESTED FOR SUFFICIENT PROOF THAT FCRA PROCEDURES WERE FOLLOWED AND PROPER STEPS WERE TAKEN TO VERIFY THE DISPUTES AS ACCURATE. 

I HAVE REQUESTED FOR THESE METHOD OF VERIFICATION SINCE XX/XX/2021.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

On today XX/XX/21, I received an alert from my credit reporting company that a collection account was listed on my credit report. I have no knowledge of this company and is unsure why they placed this account on my credit record. I never was notified by this company ever and I never received any mailings at my address. This is a fraudulent company and account. I want the necessary information to file a complaint against this company.
Consumer complaint received 2021-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

I received a letter yesterday from XXXX XXXX stating that they were canceling my Homeowners policy due to a lack of payment. Freedom Mortgage purchased my mortgage from the previous administrator including processing of the escrow account. 

During the trasfer process I received multiple assurances that everything would transfer over and take no action on my part. They have collected my escrow payment every month and I am make every payment in full and on time. 

When I called I was put on hold repeatedly and bounced from representative to representative before being connected to a XXXX XXXX in the insurance department She refused to provide her full name. She repeatedly mentioned some other insurance company that I have never heard of and how I could pay that policy instead. Eventually I convinced her to reach out to XXXX, she still repeatedly mentioned this other company and how I could overnight pay them from the escrow or pay them out of my own pocket. I feel like they were pressuring me to take on their own affiliated product. I was told that now my policy with XXXX had been cancelled. 

Now I dont even know if I have a valid homeowners insurance policy or if they have just taken my money.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (WA)

In XX/XX/2020, I purchased an item of clothing from XXXX clothing company. Item ( jeans ) were on sale for {$19.00}. 
Item arrived without invoice. I did not receive a statement until XXXX stating i owed them {$29.00} plus late fees for total of {$58.00}. 
I sent a check for {$20.00} to cover initial costs of jeans, the check was cashed. there should not have been late fees as i did not receive an invoice for the initial amount. 

I received another statement in XXXX stating i owed them {$40.00} for more late fees. 
I wrote them a letter explaining that i had paid for the jeans, so why more charges, and they opened an investigation that will take up to 90 days to review. 
In the meantime i have received more statements with even more late fees, plus phone calls from collection agency on behalf of the company threatening to sue or take me to court. 
With the help of my daughter-in-law I contacted them again XXXX XXXX, and paid the 'overdue ' balance of {$69.00}. Unbeknownst to me the charge did not got through properly. I was not made aware of this by the CSR. I found out on XX/XX/XXXX when I received yet another threatening call saying i owed more than {$100.00} in late fees. 

I rang them immediately and tried to explain the situation and asked them why are they charging me more fees and what is happening with the investigation. No one could help me. they just wanted over {$100.00}. 
I rang again XX/XX/XXXX to try to sort it out again but eventually I asked my daughter-in-law to call them on my behalf ( again ) and they agreed to drop the latest charges if i paid the balance amount of {$69.00}. So i used a debit card to pay {$69.00}. 

I am XXXX years old and i live alone. I have now paid over {$89.00} for a pair of jeans, because this company did not send me an initial invoice. A friend of mine had a similar experience and now we think the company uses these tactics to get more money from older people.
Consumer complaint received 2021-10-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harpeth Financial Services, LLC (TN)

XXXX XXXX XXXX on behalf of Harpeth Financial dba Advance Financial is trying to collect on account number XXXX which was discharged in bankruptcy in XX/XX/2017. Harpeth Financial failed to file a claim in bankruptcy case number XXXX and are now trying to illegally collect on a debt that I am no longer legally obligated to pay as I have been relieved of it by the Bankruptcy Court of XXXX TN .
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

Account # XXXX I called Bridgecrest on XX/XX/21 talked with XXXX. I advised her that I am now going to start collecting a pension. It gets paid at the end of the month. Today I called Bridgecrest XXXX told me that they weren't interested in helping me. He kept insisting he had to give me information whatever the XXXX that was. Bridgecrest has not helped during this pandemic that through a lot of people out of work including me. I was able to make the payment while I was receiving the extended unemployment but XXXX. XXXX cut that off. Luckily I turned XXXX and I am receiving a small pension at the end of the month. Bridgecrest refused to help. They said the loan is charged off and they weren't interested in renegotiation or helping out. They are refusing to give me a new loan, they refusing to help even thought I told them them about the pension. They did not notify me of anything. 
even though I told them they still went ahead with the charge off. I received no paperwork, no notice nothing. I really resent how this company is treating a senior citizen. I am sick of this XXXX. I am tired of the abuse that borrowers ' get from lenders. Abusing an old woman is not nice at all. I am honestly sick of this.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX  XXXX | XXXX | XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Experian multiple times regarding these fraudulent accounts on my credit report, and no solution has been provided. I am deeply affected as I can not purchase a new home for my children. These collections were removed and unverified by other bureaus, yet Experian continues to insist that these accounts are mine. Therefore, I request all documentation proving this information is accurate. I have requested a response from this company, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I am complaining about an XXXX XXXX  Mastercard In XX/XX/XXXX I was charged {$69.00} without my permission for a service I did not ask for. 
I immediately contacted the credit card and informed them. They cancelled the card and sent out another with a new number, and they said that they would initiate a dispute. 
Two months went by and I was not contacted at all by phone or by mail despite them having assured me that I would be, so in late XX/XX/XXXX I called them again to inquire about the progress of the dispute. 
At first the representative said that they saw no evidence that a dispute had been initiated but after I insisted on speaking to a manager they found the dispute and said that no one had begun to work on it yet but that it would be initiated at that moment. They said to call back in two weeks. When I asked them for some type of confirmation number for proof that the dispute has indeed been initiated they said that they have NO confirmation number, but that I would be receiving a letter from them within ten ( 10 ) days confirming the dispute. 

Today, XX/XX/XXXX I called back again to check and see what's going on because I had not yet received any letter about the dispute. 
At first I was told once again by the representative that they could not see where a dispute had been initiated, so after requesting to speak to a manager they were finally able to see the dispute.

They said ( once again ) that they would be sending a letter about it's progress and that I would receive it within ten days. 
They also said that I DON'T have to make payments on the disputed amount while it's under dispute, but that on the credit card 's website it might show as late payments when the due date, which is the XX/XX/XXXX of every month, passes, but that I should not worry about it because they would " take care of it ''. 
Why can't they freeze the payments so that during the dispute they don't get reported as late like EVERY OTHER competent credit card company does?? 
Their inability to see the dispute at first every time I call makes them appear very incompetent and is to me a reason for concern, as I have IMPECABLE credit that can easily be verified. 
Since they HAVE NOT sent me any letters pertaining to this dispute as they promised more than once that they would the only document that I have to upload is a " Summary Of Account Activity '' that shows as the balance the disputed amount
Consumer complaint received 2020-11-30
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)

On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the XXXX data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-10-14
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. (OR)

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my TransUnion consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to TransUnion via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX  supporting the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Consumer complaint received 2020-11-30
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. (NY)

Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.
Consumer complaint received 2020-11-30
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. (UT)

I have been sending out disputes to each one of the credit bureaus : XXXX, XXXX, and Experian since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to me.
Consumer complaint received 2021-10-14
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. (OR)

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Equifax consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to Equifax by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to Equifax via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX XXXX  the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I, XXXX XXXX, entered into a consumer credit transaction with TOYOTA FINANCIAL SERVICES which the account number is XXXX went into default and the debt was sold to a 3rd party debt collector. At the time, I didn't have an understanding of the laws under the FDCPA, TILA, and FCRA. As a consumer under these federal statues I am protected. Under FCRA 15 USC 1681 ( a ) " Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have sent in multiple disputes to the 3 major " credit Bureaus '' ( XXXX XXXX, XXXX, and XXXX ) who congress has defined as a elaborate mechanism trying to get this situation resolved and this information removed and they response was ... ( see attached file ). In that letter you will see that i attempted to get this information removed and i quote " Our records reflect that you submitted the same dispute to us one or more times. '' TOYOTA FINANCE SERVICES said they investigated the situation but have not provided any proof of that investigation. I DEMAND that this information be removed IMMEDIATELY under 15 USC 1692e ( 8 ) " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I never gave TOYOTA FINANCIAL SERVICES or the elaborate mechanisms ( XXXX XXXX, XXXX, XXXX ) permission or consent to furnish this deceptive information on my consumer report.
Consumer complaint received 2020-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

I have disputed the alleged medical collections reporting on my credit many times with the 3 major credit bureaus. As well as directly with the collection agency via certified mail. The information they provided back to me clearly shows that the accounts are NOT mine. They also did not even provide any proof at all on half of the 8 accounts they allege i owe. They have violated 15 USC 1692 FDCPA and 1681 FCRA.