davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (IL)

This is in reference to complaint XXXX on XXXX XXXX Experian said that it has deleted the 2 " XXXX '' Accounts. On XX/XX/XXXX as shown in the document attached the accounts were deleted from the account. But on XX/XX/XXXX the " XXXX '' accounts were illegally put back on my account which violates 15 U.S. Code 1681e - Compliance procedures
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

My attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation In accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 If the UNVERIFIED Items listed below are not deleted immediately.

Your failure to respond within 30 days of receipt of the verified letter may now result ln a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial injury
Consumer complaint received 2022-03-02
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 (FL)

Summary : On my first call, Capital One would not or could not state if I was going to be charged a late fee. Likewise, the Capitol One website stated that I MAY be charged a late fee. This is consumer harassment. On my second call, the Capitol One senior account supervisor stated I WOULD be charged a late fee, most likely for XXXX since it was my first offense. 
Specifics : Capital One card ending in XXXX. 
Payment was due on XX/XX/2022. 
Payment was made on XX/XX/2022 at XXXX pm. 
The website then stated I MAY be charged a late fee since the payment was made after XXXX EST on the due date. 
I then called a Capitol One representative. 
The first rep was not able to tell me if a late fee was going to be assessed. 
I escalated this to a senior account supervisor. 
The first Capitol One senior account supervisor stated that Capital One was recording the call. 
I informed the manager I was also recording the call on my end, in compliance with my own company policy XXXX XXXX XXXX XXXX ). 
The manager stated she was not able to continue the call if it was recorded by my own company. 
I informed the manager I was going to file a complaint with the CFPB.

The first manager hung up. 

I then called a second time. 
The second representative stated I WILL be charged a late fee. 
This was at variance with the first representative 's statement. 
The second rep was not able to tell me how much the fee would be. 
I then escalated this to a second senior account supervisor. 
This second supervisor ( XXXX XXXX was able to direct me to the statement verbiage which stated the amount ( up to 40.00 ). 

All the reps I talked to were courteous.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I asked them to stop calling me and send a letter. The man told me he could continue calling me as much as they want ( about 8 times a day ) and would bring me to court and sue me. Now they've reopened the old account on my credit report and it dropped my credit score.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible
.

My current address is : XXXX XXXX XXXX XXXX XXXX, FL, XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX XXXX
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX or XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

XXXX office MBA Law for XXXX placed a collection on my report with no validation. I have never heard of this company or received anything from them, and has never signed my signature or had any contracts or agreements with them. They made my credit score drop. I just happened to see it in my XXXX XXXX app. They are stating the status as open and a collection which if false. Under the XXXX XXXX, I never gave this company any consent to gain access to any medical records. This item is showing reported as of XX/XX/2022. I called the creditor they displayed as XXXX XXXX and was told they have nothing in their records.
Consumer complaint received 2021-09-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX or XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As ofXX/XX/2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as 08 XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent letters to credit bureaus for outdated and inaccurate information to be removed off my credit report. I didn't get any response within 30 days. All three credit agencies did not respond.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX 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 TransUnion 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 : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX TXXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX -- Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate XXXX XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-03
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. (CA)

This is XXXX XXXX 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 accounts that are reporting on my Credit Reports : DEPTEDXXXXXXXXXXXX-Balance {$6800.00} DEPTEDXXXXXXXXXXXX-Balance {$7700.00} DEPTEDXXXXXXXXXXXX-Balance {$0.00} DEPTEDXXXXXXXX***-Balance {$0.00} XXXXBalance {$0.00} DEPTEDXXXXBalance {$0.00} DEPTEDXXXXXXXX**-Balance {$0.00XXXX DEPTEDXXXX-Balance {$0.00} DEPTEDXXXX  -- Balance {$0.00} XXXXBalance {$0.00} XXXX XXXXBalance {$0.00XXXX DEPTEDXXXXXXXX-Balance {$0.00} XXXXBalance {$1000.00} XXXXBalance {$0.00} XXXXBalance {$0.00} US DEPT EDXXXXBalance {$12000.00} US DEPT EDXXXXBalance {$7600.00} US DEPT EDXXXXBalance {$4000.00} US DEPT ED-XXXXBalance {$12000.00} US DEPT EDXXXXBalance {$1700.00} US DEPT EDXXXXBalance {$4000.00} US DEPT ED-XXXXBalance {$3200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$360.00} US DEPT EDXXXXBalance {$13000.00} US DEPT EDXXXXBalance {$370.00} US DEPT EDXXXXBalance {$1900.00} US DEPT ED-XXXX {$1200.00} US DEPT EDXXXXBalance {$750.00} XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$0.00}
Consumer complaint received 2024-08-26
Product: Credit reporting 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)

I have asked CFPB to investigateXXXX  for their negligence. This company has repeatedly reporting negative accounts to my credit report. They have lied like they have verified that's a lie. I haven't til this day received any supporting documents bearing my signature. Only a letter saying this debt is not XXXX XXXX its with a debt collector. Even if that's possible how is XXXX XXXX reporting and XXXX verifying inaccurate information. This has caused me to be denied due to inaccurate information because XXXX refuses to do their job. XXXX have validated my rights on several grounds because they have lied as if they verified a account and they didn't and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. ACCORDING TO LETTER. THAT MEAN THIS DEBT WAS SOLD AND I NEVER RECEIVED A 1009-C FROM A COMPANY. Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (NY)

Received letter from Midland Credit Mgmt dated XXXX XXXX stating " Choose the Option That Works for You. '' Do not know this card. Never applied. Totally XXXX since XX/XX/2018. 
XXXX XXXX Bank, XXXX account number on letter XXXX MCM account number XXXX Current balance {$620.00}
Consumer complaint received 2021-12-03
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. (GA)

This is XXXX XXXX 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, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX****-Balance {$7300.00} XXXX XXXX  XXXX {$2300.00} XXXX {$0.00} XXXX XXXXXXXX****-Balance {$7000.00} XXXX {$0.00} XXXX {$53.00} XXXX XXXX {$970.00} XXXX {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$2100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX {$0.00}
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

To Who it May Concern, I recently sent a dispute to Experian Credit Bureau to update my payment for XX/XX/2021 for my auto loan XXXX XXXX XXXX XXXX ) since it showed blank but was on time. I have always paid that account on time and asked them to update it. It is the oldest/best account on my credit report and I actually paid it off early. Experian deleted the entire account/ payment activity/ history off my credit report and my credit dropped XXXX points. I called them and spoke with someone and they mentioned they can see how i only wanted XX/XX/2021 payments status updated and had no explanation only to call the auto loan company. I called the auto loan company and they said they didnt do anything to delete my file that it should be good for at least 7 years and it was Experian who deleted it as you can see in the dispute results. They've done something similar when i opened up an account for tires at XXXX XXXX and wanted the payment information updated and they closed that account. I'm currently looking to buy a house and they really ruined my chance of getting a good rate. They said there is nothing they can do even though they are the ones who deleted the auto loan and wouldnt retract my information even though it's still available in the dispute results tab. They need to be held liable since in America we depend on our credit to live a decent life.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I closed on the mortgage in XX/XX/2021 The closing sheet provided by the loan closing officer was that I was paying XXXX and some change for Mortgage payment Property taxes And home owners insurance I was responsible for paying out of pocket for Hoa fees Earthquake Flood insurance I have XXXX insurance and I have a bundle insurance policy Auto and homeowners Since the close of XXXX. I was under the impression my home owners had been paid by the escrow account. It hadn't. Bank of america had not sent a single check to them. 

Instead, now the payments I sent to XXXX that were intended for my auto flood and earthquake ( 3rd party ) were being applied to also cover some of the homeowners insurance. Throwing off my payments. 

As a result of bank of america not sending out payment it has thrown off how my payments are being applied. In XXXX XXXX sent me a bill for pending cancelation of home owners which is when I became aware of the issue and informed bank of america. I submitted several times the homeowners insurance bill and it's now XX/XX/2021. They were aware since XX/XX/XXXX and I have have called several times since then. 

I told bank of america to send out a payment to XXXX for homeowners. It's still not done and I am risking cancelation of both policies because they are bundled. 

Bank of america keeps asking the same questions when I complain. They are not working on a resolution. It's frustrating since I pay on time every month on time.