davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

My old apartment complex tried to charge me for {$3000.00} worth of tile carpet and paint when I moved out. I sought legal counsel on the charges and requested proof from the collection agency and apartment complex neither could provide and I was told the case wasnt moving forward due to lack of information and that they quit reporting to my credit in XXXX. I disputed twice with XXXX and it still comes back as accurate. I asked for some kind of documentation from the collection agency and they refuse to provide me with anything.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (OH)

Aldous XXXX XXXX XXXX Inaccurate and inconsistent date opened Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report.
Consumer complaint received 2020-12-01
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: General Motors Financial Company, Inc. (TX)

Please DON'T CANCEL THIS REQUEST AS DUPLICATE. 
GM FINANCIAL has re-reported incorrect information about my auto loan. Although previously disputed after CFPB reporting the company fail to maintain the correction of my dispute results which were to remove the XXXX late reporting for XXXX and XXXX both deferred payments. XXXX XXXX and XXXX were to be removed u see Cares Act and documents were sent to company and bureau to correct and both failed even with documents clearly stating THIS. I need CFPB to push the required law
Consumer complaint received 2020-12-01
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: Bread Financial Holdings, Inc. (MA)

I am reporting this account to you because when I saw this account reported I was confused. The status of this account is collection/chargedoff yet there is no balance, there is not a single late remark on this account.
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Chase advertises and told me personally when I opened the checking account that I would receive {$200.00}. I told the lady thats the only reason I was at Chase was to receive the {$200.00}. She led me to believe that it would automatically happen. I opened the account in XX/XX/2022. In XX/XX/2022 I still did not receive the {$200.00}. I went to the bank and spoke to the same lady that opened my account and she admitted that she withheld information about the bonus. She said she wasnt allowed to tell me anything and that it was too late to get the money now. She told me what I would have had to do. If it was a secret why was she revealing it to me now? Just because it was too late? I told her because I said the only reason I was at Chase was the {$200.00}, she should have told me then. At the time I opened the account she definitely told me everything was fine. She blatantly lied to me and deceived me. Its a shame how Chase trains their employees to be deceitful in their business practices and that their are people who comply. Why cant I trust a bank-Chase-to treat me with honesty and respect? Is there a banking institution that I can trust to be honest? Please help me. Thank you-XXXX XXXX XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

Discover Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Discover Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Discover please take leniency on my hardship and remove any 2020 lates as a one time goodwill adjustment.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (AL)

I have two mortgages with Caliber Home Loans. In XX/XX/XXXX, i attempted to set up biweekly automatic payments. I called and I asked to have automatic payments deducted biweekly for each mortgage. I was told there was an issue with the online system to set this up but they would mail me forms to fill out, and they could not set this up over the phone. I have never received the forms. I have called several times and each month when Ive made my payment I attempt to see if the issue with the online auto payment is available for biweekly. As of XX/XX/XXXX it is not. 

I have had other mortgage companies and have never had an issue with setting up biweekly payments either over the phone or online.
Consumer complaint received 2020-12-01
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)

There is an item on my credit report from XX/XX/XXXX. I have never opened account with XX/XX/XXXX. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XX/XX/XXXX continues to verify this information as accurate. In addition, each month XXXXXX/XX/XXXX reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I currently have a {$510.00} debt being collected from a company name Portfolio Recovery located in XXXX, VA. I sent a certified letter to Portfolio Recovery on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. 

I called the Portfolio Recovery on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires Portfolio Recovery or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX,XX/XX/XXXX. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to Exerian, XX/XX/XXXX and XX/XX/XXXX on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

CREDIT COLLECTION SERVICE at XXXX XXXX XXXX XXXX, MAXXXX. Put the amount of {$290.00} dollar. The collection has been reported as past due balance collection. I dont know this company I have never done business with this company. This company does not have contract with my my signature.
Consumer complaint received 2022-07-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

Om XX/XX/XXXX mailed a to Equifax XXXX and XXXX regarding information about inaccuracies on my credit report here is the letter that were sent and no response back. 
I've also sent proof from the courts showing don't report to the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, District of Columbia XXXX Previous address : XXXXXXXX XXXX XXXX XXXX  XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, I have previously disputed this item with you XXXX and in the response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) and the information must be deleted immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract all accounts that you post on a credit report. 

Please see my reasons for dispute below : XXXX  XXXX Bankruptcy Case Number : XXXX Please delete from my account immediately.

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-06-23
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. (TX)

In accordance with the Fair Credit Reporting Act Experian, XXXX, and XXXX has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX XXXX  I don't know of this account that is paid - Experian XXXX XXXX XXXX XXXX XXXX don't know of this account that is paid - XXXX
Consumer complaint received 2020-12-01
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. (TN)

I have PAID Charge-Offs with XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX  as well as charge-offs that no one has been able to verify and PROVE that are mine with XXXX/XXXX, XXXX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (NY)

I XXXX XXXX the consumer I am writing this statement and no other. I sent a dispute to EQUIFAX using the FCRA 1681b not giving EQUIFAX any consent to furnish or report anything on my consumer report. This is in reference to XXXX XXXX XXXX account They sent me a letter stating that this iI need to send ID which was included when I sent the dispute.this is part of their stall tactics. I am here to file a complaint against Equifax for non compliance. I have attached the letter sent to them received on XX/XX/25 tracking number.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

I opened an account with US Bank a few months ago, i was told once i do 2 direct deposit for total no less than {$4000.00}, i would get {$400.00} promotion, and i did that, the last few months, i contacted them several times, agent told me i have met the requirements, and the reward would give to me, i even received a paper letter on XX/XX/XXXX, said the reward would give to me by XX/XX/XXXX On XX/XX/XXXX, i contacted them, they promised would give me the reward, told me to wait till XX/XX/XXXX, but i still havent seen the reward, so i contacted them on XX/XX/XXXX, they said sorry you didnt meet the requirements.
Consumer complaint received 2022-06-23
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. (PA)

In accordance with the Fair Credit Reporting XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-14
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: ENCORE CAPITAL GROUP INC. (CA)

I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I have been a long time customer of NetSpend. I recently purchased a prepaid card and loaded {$400.00} onto it. I attempted to activate the card but could not do so through the online activation, so I called customer service. After being hung up on 3 times, and given the the run around, they told me they could not activate the card and would have to send my money back via check, ( which could take up to 10 days, and would then have to pay to have this check cashed ) I spoke to XXXX supervisors, and asked if the matter could be resolved any other way because I needed MY MONEY NOW..I asked if the check could be expedited in some way, I asked if I could just have the store I purchased the card at refund me, I asked for funds to be transferred to my bank, they refused any kind of solution other than having to wait 10 days or more, and on top of it I would be losing money in order to cash the check they send. The customer service is absolutely horrible, they are rude, unprofessional, and the supervisors lack any knowledge of how to resolve matters in a professional manner. They are completely unorganized, scammers unethical and complete imbeciles
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I paid XXXX XXXX XXXX XXXX the total balance owed for an auto loan, which amounted to $ XXXX in XX/XX/2020. There was an issue with their accounting and they reported my account late for the following month of XX/XX/2020. I disputed the derogatory information in writing online/by phone and they submitted an electronic correction of the erroneous information to all 3 Credit Reporting Agencies. The derogatory information was removed/corrected by XXXX XXXX and XXXX, but not has not been corrected by Experian. After repeated attempts, Experian has not removed the inaccuracy and the representatives have been unprofessional and not very helpful, especially during my call today.
Consumer complaint received 2020-12-01
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)

On XXXX I sent Disputes to deleted all unknown and inaccurate accounts on my credit report but today is over 30 Days but there's still no response. I am a victim of XXXX  Data Breach. I demand to deleted all the accounts or I will file a litigation
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have filed for them to remove this bankruptcy 3 time with supporting documentation. They stated in the document provided that XXXX verified the information as of todays date XX/XX/2020 but the bankruptcy was removed for. XXXX as of XX/XX/2020. They are reporting inaccurate information and I would like for it to be removed and a updated copy of my credit report sent to me. Thank you
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-03-29
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: CORELOGIC INC (CA)

Credco XXXX XXXX XXXX XXXX, WAS NEVER AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  BOTH WERE NEVER AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX was never authorized
Consumer complaint received 2023-03-29
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. (NY)

I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX Acct # XXXX. 

Upon reviewing my credit report, I have noticed that XXXX is reporting a last active date of XX/XX/XXXX for this account, whereas Equifax is reporting a last active date of XXXX This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what Equifax has reported. Therefore, I am requesting that XXXX investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that XXXX delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.