davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

I lived at XXXX XXXX for a year. Rent Recovery is trying to collect from me. I made sure I followed rules, and cleaned the place spotless before I left. I have pictures to prove it. And pictures of even getting the carpet cleaned and they still say I owe them XXXX for a deep cleaning of the apartment and broken blinds. I do not mind paying for the blinds but there needed not to be a deep cleaning at all. Any cleaning that would have been done would be normal cleaning for the next tenant to live there. A routine clean. The pictures are the exact day of move out and the picture of the lady is who did my move out inspection.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (TX)

I submitted a dispute to Equifax and XXXX via certified mail on XX/XX/XXXX, although I saw a new dispute was opened with Equifax through the dispute portal, I have yet to receive a response from this company. XXXX never opened a dispute until today XX/XX/XXXX after my initial complaint to CFPB. They are both reporting inaccurate information on my credit file as well as incorrect addresses. I only live at one address and I have reached out to all current and past creditors and bureaus to update this information and have received push back. This is putting me at risk of someone obtaining my information from creditors. 

The accounts in particular that have not been properly investigated are : XXXX XXXX showing the first date of delinquency as XX/XX/XXXX on Equifax reporting but on XXXX its XX/XX/XXXX. This is aging the file to remain longer on my report please remove as this is further damaging my credit history. 

XXXX bank XXXX is showing the original delinquency date as XX/XX/XXXX with a charge off of {$73.00} but has fluctuated the balance past due as {$450.00} and {$450.00} on Equifax month over month, but showing first delinquent date as XX/XX/XXXX on XXXX with {$450.00} past due. Please remove as they are not updating this file to report accurate information to the other bureaus. 

Fair Collections & outsourcing XXXX was not properly investigated and shows date of delinquency as XX/XX/XXXX on Equifax but reporting XX/XX/XXXX on XXXX. please remove this file as it is reporting different information on different bureaus further damaging my credit file.
Consumer complaint received 2023-02-28
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: ID Analytics, Inc. (PA)

This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX  XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Transunion alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Transunion including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Transunion to advise them of the results of my debt validation request. 

I believe that XXXX has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and your urgent assistance to survive. Thanks
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC (MN)

My attorney filed Bankruptcy on my behalf on XXXX XXXX which was discharged on XX/XX/XXXX. 

The attorney contacted XXXX XXXX with this information as they were included in my Bankruptcy discharge as one of the creditors. However, XXXX XXXX, continued to send me bills on the third of each month long after the Bankruptcy filing and Discharge. 

The attorney reached out to XXXX XXXX on XX/XX/XXXX, via a typed letter, asking for all payment attempts to cease and reminded the company that what they continue to do is a violation of the stay and may be actionable pursuant to XXXX XXXX k ) or as contempt of court if they persist. 

I visited the XXXX  XXXX  store on XX/XX/XXXX and I spoke with XXXX XXXX who was a XXXX  Consultant and provided me with a ticket number and said that I would receive a call from XXXX  XXXX " Legal Team ''. I provided my bankruptcy case number and I received ticket number : XXXX. This was supposed to clear up everything since my bankruptcy was filed but that did not happen. 

Moreover, I returned to the XXXX XXXX store, on XX/XX/XXXX, to surrender the XXXX XXXX XXXX  and to get an update on the continued billing situation after my bankruptcy filing. I worked with XXXX XXXX who is a XXXX  Consultant. I provided my bankruptcy case number information to the representative but was told that they could not accept the XXXX XXXX XXXX because it was damaged, and the return period had passed. I explained that this was not a traditional return but equipment that I had wished to return because it was included in my bankruptcy filing. This didn't make any difference and the phone was not accepted. I received ticket number : XXXX on this visit to the store. 

I continued to receive bills that grew larger each month although I was not using any XXXX XXXX services. 

Ultimately, I received a letter dated XX/XX/XXXX from XXXX XXXX an account representative for GS Services, a collection agency, which is in XXXX, Texas. This letter was sent on behalf of XXXX XXXX. The letter states that I currently have an overdue balance of {$580.00}. 

XXXX XXXX has continued to bill me each month although my bankruptcy was filed and then discharged. I continued to receive bills each month from XXXX XXXX although any monies owed were included in the Chapter XXXX Bankruptcy filing and the debt owed was discharged. 

XXXX XXXX has continued to bill me each month for cell phone service that I have not used, consequently, the bills grew larger, so each month a bill would be even more money than the previous month even after my cell phone account was switched over to a completely different wireless provider.
Consumer complaint received 2020-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OH)

I am currently enrolled in the Public Service Loan Forgiveness Program and am two years away from fulfilling a ten-year agreement. I need written confirmation from my loan holder that I am PROPERLY enrolled in the program, and that the loans I have under the plan ARE eligible for forgiveness. I have spoken with them repeatedly over the years and only received verbal assurances that I am properly enrolled and on track, but I want written confirmation to protect myself in two years when I should be done with this debt. 

99 % of people who are enrolled in the PSLFP are rejected after fulfilling their obligation because a loan provider either mislead them regarding their eligibility, or just outright lied. I need written confirmation from FedLoan that I AM properly enrolled, on track to fulfill my obligation, and that they will NOT reject my loan forgiveness after a solid decade of payments.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: WELLS FARGO & COMPANY (VA)

In XXXX or XX/XX/2019, Wells Fargo bank debited my entire personal checking that at the time had an available balance of a little over {$1300.00} in the account to offset a past due credit card payment that I had with their bank. By doing this it caused further extenuating financial hardship for me which led to me filing bankruptcy so that I can keep my home as the available balance at the time was part of my mortgage payment. 

I'm filing a complaint because I'm just recently learning that it was unlawful for Wells Fargo bank to offset an owed credit card payment from a deposit account. I was unable to email the company 's escalation department directly to file my complaint due to my account is now closed with the bank.
Consumer complaint received 2021-04-16
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)

remove this XXXX Violations FCRA : XXXX T XXXX XXXX T XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX KINGS XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year of Birth Select as many as apply
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been affected financially by the Coronavirus pandemic in terms of my employment. My hours have been reduced to part-time. I have called Capital One numerous times with one time being on XX/XX/2020 at XXXX to discuss my options and to request to have the late fees applied to my account for the year 2020 reversed. Capital One has applied late fees to my account every month even after I made a payment. But because the payment I made did not cover the minimum amount due, I was assessed a late fee of {$38.00}. I have contacted Capital One several times requesting financial assistance and I keep getting the same response as below. 

I was transferred to a supervisor after the first Customer Service Representative was unable to help me. 

Once I was connected to a supervisor, I explained my financial hardship situation and asked to have the late fees reversed. The supervisor advised me that Capital One could not reverse any late fees on my account because one was already reversed for the month of XXXX and the decision to deny my request could not be overridden because the decision is a " System Generated '' decision.

I asked if I could be transferred to the Customer Retention Department and the supervisor told me that Capital One does not have a Customer Retention Department and that I was speaking with a representative in the highest department that can make account changes. 

I asked for the name and email address of the Chief Executive Officer for Capital One and the supervisor told me she could not give me that information and suggested I go online to dispute any charges on my account and that I could find information for the CEO of Capital One online. 

After disconnecting the call, I logged onto my account online and clicked on the " Learn More '' jumplink for " Help during the COVID-19 virus situation. However, the only " Help '' options displayed were help making a payment or activating a credit card/account. 

I have spent countless hours trying to find options for disputing charges and fees applied to my account, and the only online assistance provided is for Making Payments, Activating Credit Cards/Accounts, or to Call Customer Service which has gotten me nowhere! 

I have printed and prepared a form for disputing charges applied to my account and will mail it, however, I am not optimistic that I will receive a response in a timely manner or if ever! I would like to know my legal rights in a situation like this where a financial institution refuses to provide assistance as advertised and what my options are for receiving REAL financial assistance due to my financial hardship due to the virus pandemic. 

Thank you.
Consumer complaint received 2020-06-22
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: WAKEFIELD & ASSOCIATES, INC. (OK)

I have seven or 8 open accounts on my credit report from past medical bills. I'm fully XXXX XXXX  on fixed income and I'm unable to pay the bills and need them removed from my credit report so it can stop effecting my score. Can you please help me. I received the accounts back in XX/XX/2018 when I was in an accident causing my XXXX   XXXX and was medicaly uninsured at that time of my accident. And since then have been XXXX in a XXXX and on fixed income unable to work
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (CA)

I requested a loan. I didnt know that the Loan was illegal in the state of California and the amount of interest charged was that high either. I continued to make payments because I did not want the negative report on my credit so I just let the withdrawals Happen and I have overpayed the principal amount borrowed yet somehow I owe {$800.00}. When my original loan was $ XXXX When the covid pandemic shutdown happened I stopped Payments to avoid overdrafting as I had no income I sent an email letting know I couldnt pay. My balance at that time was {$660.00} but somehow since XX/XX/2019 I was making {$120.00} plus payments every two weeks. Even though the amounts they are charging are illegal I tried to settle the account to avoid negative marks on my report and they refused. The want a full {$500.00} dollars payment to settle
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Conns Credit account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX toXX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.
Consumer complaint received 2021-04-10
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)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-06-22
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)

I asked Experian and XXXX to provide me the Date of First Delinquency with the original creditor because it was not provided and for Experian and XXXX to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. Experian and XXXX  just updated or modified the information and did not provide me with the requested information. Experian and XXXX  are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act. 
Experian and XXXX failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 )  and for knowing violations of the Act.
Consumer complaint received 2020-11-05
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: EQUIFAX, INC. (FL)

I have sent numerous letters to XX/XX/XXXX regarding an alleged bankruptcy that appears on my credit that On XX/XX/2020, XX/XX/2020, and on XX/XX/2020, I sent them letters requesting them where did you get the information that they are reporting on my credit profile regarding an alleged bankruptcy that appears on my credit report. They claim it was verified but they have not provided any evidence of that " alleged verification ''. I have security freezes with companies like. XXXX, XXXX, XXXX, and XXXX just to name a few so there is no way of Equifax being able to say that they received information from any of these mentioned companies.
Consumer complaint received 2020-06-22
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. (LA)

I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!
Consumer complaint received 2021-04-10
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: Exeter Finance, LLC. (TN)

This account is no longer mine. This is a notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. FDCPA Section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!