davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

My minor son is a victim of a money scam. He was threatened to send money via Zelle and he sent {$500.00} without my knowledge and authorization. I opened a fraud victim case with my local police the same day it happened. The credit union will not reimburse him his money and stated Zelle is a 3rd party company they are not affiliated with and because the money posted ; they will not reimburse him. This occurred on Friday, XX/XX/2022 and he was scammed out to {$500.00}. I contacted Zelle support and they would not reimburse him the money too even though they opened a case.
Consumer complaint received 2022-01-13
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: National Credit Adjusters, LLC (NC)

This negative debt is on my credit reports. I do not know this company and have sent them a validation letter which was apparently ignored. I've attached all documentation. 
Please have this removed from my credit reports as it is adversely affecting my credit scores.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (PA)

I had a deferment on my mortgage due to covid relief at the end of deferment I signed a loan modification agreement and paid my mortgage on time and as agreed. They reported my loan late and that dropped my credit score by XXXX point and now other credit accounts are being closed due to their mistake that will further damage my credit.
Consumer complaint received 2022-01-13
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. (MS)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian 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 30days 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 2020-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NC)

The company is calling on a COMPANY credit card debt owed to XXXX. The information was submitted to the company and it was approved by a retiring supervisor. For some reason it has not been paid. 
The company calls the home phone several times a day. Then they have started to call my son 's cell phone number also, several times a day. He is just XXXX. 
The debt on the XXXX XXXX card is over {$1800.00} now, on the orignal debt of {$1500.00} due to delinquent fees. 
The company is called Radius Global Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX
Consumer complaint received 2022-07-08
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. (TN)

XXXXXXXX XXXX  is not my account, so I sent a letter off on ( XX/XX/2022 ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX XXXX # XXXX. 

This is not my account.
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CA)

This bill is a result of an error in the processing of the claim as pursuant with my health insurance I filed a complaint with the XXXX XXXX XXXX XXXX and informed the collection agency of my actions and my dispute. The XXXX XXXX XXXX XXXX has sided with me and has requested the insurance company to reprocess claim without copay they have requested XXXX days I have sent this information to the collection agency and received a response saying they denied my dispute and plan to continue with the collection process and place the collection on my credit report
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Dear CFPB Im writing this letter in reference to Portfolio Recovery, they have placed XXXX collection accounts on my credit report. I have asked them numerous times for a contract showing a signature or a recorded line to prove that this account is mine. These two collection accounts are not mine they do not belong to me. I never opened them, and this has been hindering me for a few years. I have been affected with this when it comes to getting car loans, credit cards, and housing. I have called them and stated that there is a fraud alert on my account, and I want a wet signature to show where and when I opened these accounts. Im requesting that this information be sent to me within 30 days, if not I would like these items to be removed by Portfolio Recovery. 
Its amazing how a company can list items on your credit report and claim that its yours and stop your forward progress in life. I refuse to start the year off in bondage. There has been no answers. I'm at the point where I'm planning to take legal action to have this matter taken care of.
Consumer complaint received 2021-11-18
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  # XXXX XX/XX/2021
Consumer complaint received 2022-01-14
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. (FL)

The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.
Consumer complaint received 2021-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Recently i received a copy of my Experian credit report and noticed an unauthorized opened account from XXXX added to my credit file, i did not give permission for Experian or any one else to run my credit, i did not apply for loans or any credit cards with XXXX. Experian gave XXXX credit card company access to my credit file without my permission. there is a XXXX account that is reporting balances and late payments in my Experian credit file that do not belong to me and when ever i talk to Experian they blame XXXX and when ever i talk to XXXX they blame Experian saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.
Consumer complaint received 2022-01-13
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: Experian Information Solutions Inc. (NJ)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-03
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # 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 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX To whom this may concern, This is a follow-up request from my previous complaint regarding XXXX, XXXX, and TransUnion allowing unapproved and fraudulent inquiries remain in my credit file which they manage. Once again, I did not authorize anyone employed by these companies to make any inquiry to view my credit report ; therefore, I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain. Their unwillingness, and opposition towards The Fair Reporting Credit Act, has, and still causing adverse effects to my credit file, all of these unauthorized inquiries are hindering my ability to obtain new credit. I request that you validate this information with these companies and provide copies of any documentation associated with these inquiries bearing my signature ; I will appreciate and updated copy of my credit report after corrections are made. 
Unauthorized Fraudulent Items to Be Deleted XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX, XXXX, and TransUnion Willful failure to comply violated 15 U.S.C. 1681n, and 1681o, their breach of my Right To Privacy violated 15 U.S.C 1681 Section 602 ( A ), the furnishing of my credit file information without written instruction violated 15 U.S.C. 1681 604 ( 2 ), and 15 U.S.C. 1681c ( a ) neglecting to put fraud alerts in place to protect my identity. Previous complaints numbers placed with the Consumer Financial Protection Bureau are as follows : XXXX, XXXX, XXXX all relating to this current complaint.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

As a consumer I am doing everything to keep my credit score high. On XX/XX/2020 I get an email that my score went up to XXXX. It said I had no negative factors affecting my score. It says low revolving debt and no late payments. It shows how much I owe in credit card debt {$170.00}. The total amount of debt of I owe is {$500000.00}. I have a student loan, home and a car. For the last 2 years the debt total has been this high but I have been paying on time, so I don't have any negative marks on my credit. On XX/XX/2020 I got an email saying my score went down 25 points. I have a screenshot of the report. it doesn't say why it went down but My credit card debt went down to {$0.00}. The total debt I now owe is {$500000.00}. Ince I complaint, my profile was updated to show " what is hurting my score is loan balances. " The remaining balances on your installment loans is too high '' .This should not effect my credit in a negative. So I called Experian. I have been keeping up with all my payments so I don't understand why it went down. They said I needed to contact XXXX   score. Then I called XXXX Score and they said they have nothing to do with Experian and Experian has their own scoring system which is called XXXX XXXX  XXXX. Then I called Experian and they said because I have have a high amount owed to student loans and my house. But I have the same amount of debt and I had a score of XXXX XXXX weeks earlier. They said the system does the scoring. This is bad practice and illegal activities. They need to be investigated. They then updated my profile 4 times in one day. But i was told they only update once a month.. 
The problem here is that with the same total debt, experian is giving me 2 scores. Please help fix this problem
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (CO)

On XXXX I tried to withdraw {$500.00} from a Huntington Bank ATM at XXXX XXXX XXXX, XXXX, OH XXXX, but the ATM failed to dispense cash. I inserted my debit/ATM card and followed the instructions but the door that opens to dispense cash failed to open after making noises. A message then displayed on the ATM 's screen saying my transaction has been cancelled. However, the withdrawal still showed up on my account when I checked online. 

I walked into the bank branch where this ATM is located and spoke to the branch manager, XXXX XXXX. I was told by XXXX that this particular ATM was managed by another company and they had no control over it. Please note there was a second ATM at this branch that was managed by this branch according to XXXX. XXXX asked me to talk to an employee who opened a dispute for me. 

The same day I called the bank 's customer service line and was given XXXX XXXX XXXX for this incident. 

On XXXX I called the bank 's customer service line and was told the case had been closed by the bank because questions had not been answered. Please note I had not been asked any more questions or contacted by the bank since my last call. The bank has my contact information on file. 

Between XXXX and XXXX I called the bank 's customer service line twice and on both occasions the call was disconnected as I spoke to their representative. I called the branch in XXXX and spoke to an employee twice but never heard back regarding this issue. 

On XXXX, I called the XXXX XXXX again and spoke to XXXX, who said she will open a new case and gave me XXXX XXXX XXXX. XXXX said she will call me by Friday XXXX but did not.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (CA)

Some agency called Debt Recovery Solutions is attempting to collect a debt from XXXX, 2021 for a company called XXXX XXXX XXXX. 

The amount is {$3200.00} which I have no recollection and never replied to. 

This is fraudulant.
Consumer complaint received 2021-04-15
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. (CA)

The CRA 's continue to violate my rights as a As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature as the natural person known as XXXX XXXX. They have Violated XXXX XXXX XXXX CIVIL CODE Section 2985.7 1667a. Consumer lease disclosures Violated 15 USC 1681 ; Harass and oppressive use of XXXX about an alleged debt. 
Violated 15 USC 1692d ( l ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
The attached document clearly shows that XXXX XXXX XXXX XXXX has CANCELED the debt yet EXPERIAN, XXXX and XXXX continue to report the account XXXX XXXX XXXX XXXX on my private consumer credit profile.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: RentDebt Automated Collections, LLC (GA)

I have sent debt validation letters and disputes to RENTDEBT AUTOMATED COL in regards to a collection amount of XXXX. The Date Last Active and the Last reported date are inaccurate. According to 15 U.S. Code 1679c. I have the right to dispute. The account is still on my credit report. I would like for this matter to be corrected or deleted.