davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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)

Reached out multiple times explaining to XXXX XXXX I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) XXXX XXXX reporting without my consent is considered unauthorized use of my credit card, social security number
Consumer complaint received 2021-04-02
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. (FL)

On XX/XX/XXXX, I decided to request all my credit reports from all XXXX credit bureaus. I noticed that there was an account on the report from Experian that I knew nothing about from XXXX, XXXX XXXX XXXX. They were reporting that I had an account that originated on XX/XX/2020 with XXXX XXXXXXXX for {$520.00}. I didn't recollect visiting the XXXX at all. As a result, I decided to check the claims submitted to my insurance company for the last XXXX months as well as any payments made from my XXXX account to verify that I had paid a visit to the XXXX on that date. I found nothing. I had not visited a XXXX at all. I decided to dispute the charge and while awaiting the results look into this company. I found many complaints about this company and their reporting of incorrect information as well as not working with consumers to correct any issues. When I received an update about the dispute saying that the company verified that the debt was mine ... I was floored. My first time ever hearing anything about this collection company or alleged debt was when I viewed my Experian credit report. It's not on the reports from the other credit reporting agencies. I called Experian and asked what documentation was presented and was told none.Which is unbelievable and believable at the same time. I haven't received any documentation nor have I ever been contacted by this company. I was told to contact the company or to upload documentation to prove it's not mine. Of course I am afraid to do so because attempts by others only resulted on frustration and I don't want to provide them with any of my information out of fear. I have reached out to what is now known as XXXX  and was known as such at the time of this alleged incident to try to get answers. It's unsettling to know that a debt collection company can report whatever information they want to credit reporting agencies without documentation. This is not my debt and I would like it to be removed from my credit report.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

On XX/XX/30 I contacted Convergent Outsourcing to resolve the debt I have with them. The agent informed me that my debt with them was inactive he was not able to access anymore information about my account. I questioned how could you not have any information about my account but report negative on my credit report. The agent transferred to XXXX, XXXX stated that there is nothing they can do because the debt was purchased by Convergent. This company who states that my debt with them is inactive has been reporting on my credit for the past 6 months.
Consumer complaint received 2021-07-01
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. (FL)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I didn't received any notification about this collection account until they reported it in my credit reports. I was aware and didn't received anything from in written from Convergent advising about this balance so I didn't have the opportunity to disputed or verify this information. When I found the collection account reported in my credit reports on XX/XX/2021, I immediately contacted them to get more information and let them know I don't owned this balance. They couldn't gave me any specific details about for what is that balance, they only said it was for a balance that I suppose owned to XXXX. At this time, I haven't heard anything back from them and this account still showing in my credit report causing a financial hardship situation.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

After many attempts, Experian still fails to Block as requested items identified in an FTC Fraud Report and Police report. Despite FCRA rules, Experian leaves items on my report more than the four days prescribed and simply verifies the debt with the creditor and notifies me repeatedly 30 days later that they have verified the debt despite a police report and the items remain. 

I feel Experian has violated FCRA 605B ( a ) and abused the authority in ( c )
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (AR)

3 transactions to XXXX XXXX # XXXX on XX/XX/2021 totaling just over {$3000.00}. I reported the charges as fraudulent within 2 hours of the money being removed from my account. Chime denied my claim and closed my account.
Consumer complaint received 2021-07-01
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: Experian Information Solutions Inc. (IN)

Hi, I contacted XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.
Consumer complaint received 2021-07-01
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: Spring Oaks Capital, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXXT XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank at the branch in XXXX MD accepted PPE or EIC in the amount of {$130.00} or larger and stated I asked or presumably stated I accepted it by not accepting allowing a credit by not saying I do not want it. It was then credited to my account for 45-60 days and next my business account was sent the funds which was originally in my personal account, at this point that credit was transferred to the business account. After several attempts by phone and in person all staff and customer service representatives denied that this payment was placed in one Account and removed, put in my business account. After several attempts the bank closed my business account and reopened it on XX/XX/XXXX at or between XXXX Est. 

In short the bank is also modifying my communication preference and placed my business account address as the bank address. 
In XX/XX/XXXX I reviewed my business account address as the address where the bank is. 

In XXXX XXXX the bank allowed charges to my account and did not allow a refund after fraud was reported after several attempts the bank has not provided any recommendations.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This account has be disputed with all 3 credit bureaus and the dispute is coming back verified. I have contacted the collection agency via certified mail requesting validation of debt and my physical signature. The company has failed to provide any of the information requested. This dentvwas discharged by the original creditor in which I am an employee. This company is rude, from the staff to the supervisors. I ended up making a settlement arrangements just to get their negative marks off of my credit. I am attempting to getva loan to pay for XXXX treatments, and this company that bought a debt won't delete it.
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a Midland credit management company. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2019 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX XXXX Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2022-09-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved.
Consumer complaint received 2021-05-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I was in the disaster forbearance plan starting XX/XX/XXXX. Flagstar Bank and I agreed to start the Loan Modification Trial Period beginning on XX/XX/XXXX where I was to make three payments. Although I started making payments in XX/XX/XXXX, I routinely made my payments through XX/XX/XXXX of XXXX, Three payments. 
I called Flagstar Bank on XX/XX/XXXX or XXXX XXXX to make my third payment for this trial plan but the person who I spoke with told me I didnt need to make this payment because I made my three payments already. I wasnt sure about this and asked the ( male ) person if he is sure and certain that I didnt need to make this payment and he told me I didnt need to and that I should wait for documents in the mail like a new modified contract around XX/XX/XXXX and that I can make my first payment in XX/XX/XXXX. So I left it at that and didnt make any payments for XXXX and XXXX of XXXX because I was waiting for a new modified contract but nothing ever arrived. 
Well now Im in trouble because of this. I waited till XX/XX/XXXX for those documents and nothing ever arrived. I finally received a letter in XXXX stating that I broke my contract because I failed to make this last payment. They then told me that I would be in a Streamlined status and I should wait for documents to be mailed to me, that never arrived either. 

Flagstar Bank will not even listen to me about this. I call at least two times a week asking for help and they wont help me. I have to re-apply for Loss Mitigation Relief. 

I know they record these phone calls and the proof is within that recorded phone call. That person who I spoke with gave me bad information and now I am at risk of foreclosure as well as negative hits on my credit. I am preparing to seek legal action against Flagstar Bank if they dont make this right. 
I still make payments and have been making payments consistently for the last four months. 
I just want to get my modified contract back to good standings, prior to forbearance Ive never missed a payment. Other than the bad advice given to me by Flagstar, my payments have been on time.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (PA)

I had a forgotten urgent care ( XXXX XXXX  ) account fall into the hands of Receivables Management Systems ( RMS ) in XXXX, VA. Since RMS was only contracted to collect on the debt, I reached out to the original creditor to pay the balance in XXXX of XXXX. XXXX XXXX at XXXX XXXX confirmed that they would reach out to RMS and have them delete the item ( as a pay for delete ) from my credit report, which they did shortly after, until last month.

RMS elected to add the item back to my credit report as an OPEN account ( despite being paid in full ) in XXXX of XXXX. Despite reaching out to RMS through multiple avenues, they refuse to remove the item as promised by XXXX at XXXX XXXX. This coincidentally aligns with my attempts at securing a home loan to purchase my first property. It seems like very weird timing for them to suddenly decide to add a paid collection back to my report despite removing it a year prior.Any assistance by the teams at CFPB would be greatly appreciated. Thank you in advance.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (TX)

fcra not mine : XXXX XXXX - Closed 2 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Secured Loan
Consumer complaint received 2021-07-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I'm filing a complaint against XXXX XXXX, and Experian because they are not complying with their own policies in a timely manner. I sent my dispute letters to them over 30 days ago and I have not received a response from XXXX XXXX, and Experian. The inaccurate marks on my credit report are hindering me from buying a home and I am not getting any assistance in fixing inaccurate information.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of..

Theres no proof that I owe anything, at all.

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones.

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable.

Pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy.

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off ledger -Hand written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Signed po for a FREE Transunion account only to get charged for a monthly service. I DID NOT WANT THIS. According to many people on the internet, this happened to them too. Transunion does not tell you you are paying for something until it happens.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my TransUnion consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. I did not give any written consent to TransUnion to publish these. I know thats a violation of my consumer privacy. I sent TransUnion a certified letter on XX/XX/2021 asking them to remove the bank bankruptcies. I sent a certified affidavit on XX/XX/2021 showing TransUnion all the consumer rights that they have violated since I am a consumer. 
1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply