davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: Paramount Recovery Systems, L.P. (FL)

For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me. 

What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency. 

This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later. 

The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me. 

My credit score has a result been bouncing up and down from good to fair or worse. 
e.g. Last month my credit score went from a XXXX to XXXX ( XXXX point drop ). 

Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute. 

The name of the collection agency currently showing this item is Paramount Recovery Systems - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. 
XXXX XXXX - address?
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (MS)

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 1XXXX XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXUS DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to follow up on my previous dispute letter regarding numerous inaccuracies, discrepancies, and unauthorized accounts listed on my credit report. Despite my urgent request, I have yet to receive a resolution or confirmation regarding the removal or verification of these erroneous entries.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Report. 

RE : ACCT # XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

After reviewing my credit report I noticed inaccurate information which is negatively affecting my credit and my ability to obtain loans. 

I am writing to formally request a procedural investigation into the accuracy of the reporting on my credit file for the following accounts : XXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) Please validate and verify that all reported information for these accounts is accurate and in compliance with federal reporting standards. If inaccuracies are identified, I request prompt correction and an update to my credit report to reflect accurate information. I am making this request pursuant to 15 USC 1681i. 

Thank you for your attention to this matter. Please confirm receipt of this request and provide an estimated timeframe for completion.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stokes & Wolf, P.C. (CO)

In XXXX I was served for collection on a repossession. The debt was charged-off and sold to XXXX, XXXX. I went to court, and worked out a payment arrangement with the creditor 's attorney ( Stokes & Wolf , P.C . ), so a judgement wasn't granted or entered in the court. I was paying on the payment plan for several months until I defaulted in XX/XX/XXXX. 

The creditor 's attorney sent me a letter, appearing as if it was responding to a judgement. The letter is on the county court format, and states " Notice to Judgement Debtor Pursuant To Section 24-33.5-704.3, C.R.S. '' The form is dated XX/XX/XXXX, but it states " This form is applicable until XX/XX/XXXX, unless extended by the Administrator to a date not later than XXXX, XXXX, XXXX '' I feel like the creditor is trying to intimidate me, or scare me into thinking that a judgment has been issued, but I contacted the county court and they have no record of the case number. Additionally, I did a statewide public record search, and checked my credit reports, and there aren't any judgements in my name.
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

I had a XXXX XXXX  for 3 years and vw credit. payments made perfect and on auto pay. never a issue. Then I get an XXXX. Its Vw credit or is it audi financial services, who knows. Poor poor communication.. The Truth is  there the same. The dealer handled everything and we did the auto payment again.. By the way they report as Vw credit on credit report but they claim they are Audi financial services. Well The lease was getting going and I had to make the first couple payments per dealer so all the paper work would kick in then the auto pay would start. Well then I did paperless billing which is a mistake because somehow the XXXX and XX/XX/XXXX was not taken auto pay as I understood was going to happen. I didn't get any email that would have alerted me that a payment was past due. They just send a email like access to see monthly statement. No alert whatsoever. Must be saving on employees and as result poor service and communication. I regret I did there paperless because if I was getting the regular mail I could have spotted it. Now I changed it back to mail because I dont trust Audi. Then on XX/XX/XXXX I just so happen to answer some ambigiuos telemarketing call, well yep it was a robo call ( saving money on employees perhaps ) and it was audi financial service saying that I was due for 2 payments which shocked me. Whats interesting is they had my bank account information but didn't take the payments. There system and web site is very unclear.. could be a XXXX disconnect thing, I Dont know. Then I needed to call Audi and tell them its ok to make payments and I get mad why they were not auto taking the payment like I have done for past 4 years. Instead I get some arrogant know it all sounding person and then when I asked that I should not be reported late because this was there technolgy servicing failure in addition failure to communicate they refused.. Its there sales people and there technolgy that failed and failed me.. No more Audi 's or Vw ' ; s I was so mad. Cant rely on sales people, cant rely on servicing and all there passing around of financial paper and then Im the one that had my score drop 80 points because of there screwed up sytems and process.. VW credit reported on my credit. Vw credit was given FULL authorization and it worked perfectly. But they like to pay the game to say they are not VW credit instead they are Audi financial service. Well if thats the case and they are not all one then why are they incorrectly reporting a late payment that should have never happened if they were competent to my credit and handling the account ... LAZY mixed up company out of touch with a good  credit never late paying client.. Foools I have disputed late payment with all bureaus and want that late removed.. I asked them for removal letter and they refused ... unbelievable company.. well they loose, no more audi or vw EVER
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

XX/XX/21 - Bill pay used to pay Best Buy Credit Card. Payment = {$2000.00}. Overpaid by {$1600.00} causing credit balance. 
XX/XX/21 - Called and requested a refund of credit balance. I was advised it would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " name on the payment for {$2000.00} does not match the primary or authorized user on the account ... .we need you to provide us with the name that appears on this payment. '' XX/XX/21 - Called customer service and verified the name of my wife, whom I hold the joint checking account used for the bill payment. Customer service advised refund would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " we need to speak with you at your earliest convenience. Additional information is required. '' XX/XX/21 - Called customer service and verified my wifes name again, checking account number and routing number used for bill payment. I was advised refund of credit balance would be processed within 7-10 days. 
XX/XX/21 - Called customer service to check status. After escalating call to an " Account Manager '', I was advised the refund could not be processed because I was not named on the bill payment. Possibly need a copy of my banks ACH transmittal ( front and back ). When I questioned the possibility of my bank providing this, I was told perhaps a voided check showing both of our names on the payment account would work, and to shorten the timeline, I could file a transaction dispute online to submit documents of proof electronically through their website. 
XX/XX/21 - Filed transaction dispute online and attached voided check, which included account and routing numbers for bill pay, as well as my and my wifes names on check. Also, I attached screenshots ( from online banking used to pay the bill ) that showed the bill pay details, amount, date, and standard electronic transfer confirmation number. 
XX/XX/21 - Checked online for status of transaction dispute. Complaint was " closed '' and asked for " proof of payment such as a copy of other credit card statement or check/money order [ both sides ] used for payment. Include your name and Account Number on the documents. '' My Best Buy Credit Card - From Citi continues to ask for name and account information from the bill payment. I have provided it at every request only to be denied a refund for the same reasons. I am not sure what else to do from here and need some help. 

Thank you, XXXX
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates has a purchased debt from XXXX XXXX that does not belong to me. It shows up on my XXXX Credit Report. I was in XXXX XXXX while this account was active and have emailed PRA numerous times and I've gotten no response. I've disputed this with XXXX and they also have done nothing. The debt is for only {$1200.00} but I should not have to pay something that is not my debt. I have contacted XXXX XXXX as well and they verified the social security number and date of birth on the account are not mine. There was an address on the original XXXX XXXX account in XXXX, NY, which I've never lived at nor been associated with. PRA refuses to remove this debt from my account despite me contacting them proactively numerous times to resolve this issue. 

They responded by stating the same inane comments about proving the debt is mine by showing a credit card statement for an address I've never lived at. THE SOCIAL SECURITY NUMBER AND DATE OF BIRTH ON THE ACCOUNT ARE NOT MINE. 
I WAS IN XXXX XXXX  DURING THE TIME THIS ACCOUNT WAS ACTIVE. 

I've contacted an attorney who will be contacting PRA shortly to resolve this.
Consumer complaint received 2021-12-07
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. (PA)

Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following hard inquiries currently listed and showing on my XXXX and Equifax credit report arent my hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX, XX/XX/XXXX. XXXX XXXX reported to XXXX and Equifax, that I had a public record of XXXX XXXX XXXX  discharged on XX/XX/XXXX, Reference Number : XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX has deleted and removed the inaccurate public record of XXXX XXXX  XXXX discharged from my XXXX XXXX consumer report due to me being incarcerated at the XXXX XXXX XXXX  XXXX from XX/XX/XXXX until XX/XX/XXXX. So theres no way I filed for XXXX  because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I purchased a leather 3 piece leather coach, loveseat and lazy boy from HHGregg in XXXX of XXXX. When I received the furniture the coach had a hole in the back and HHGregg had a repair company to call me and I scheduled an appointment. I took off work for the appointment and no one showed up to later find out that HHGregg had shutdown. I keep trying to contact someone and was unable to contact anyone at HHGregg. In XXXX of XXXX HHGregg added {$2400.00} on my bill for deferred interest. I contacted synchrony bank whom handles the payments and filed a complaint. I should not owe anything for a damaged living-room set that they never repaired. It was very unprofessional to have a company schedule me an appointment and no one called to say that they would not be coming out because HHGregg went out of business.
Consumer complaint received 2022-06-28
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. (CA)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate this account in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Late Date XX/XX/22. I believe it was reporting in error. The late history should not be showing late because I think I paid on time. Please update the late payment from this account.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act 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 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My account was closed which is a violation of the ECOA. According to the Equal Credit Opportunity Act It is unlawful for a creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- because the applicant has in good faith exercised any right under this chapter. I exercised my right to dispute and ask CAPITAL ONE for validation of a debt owed and my account was closed as a result. CAPITAL ONE has made it impossible for me to use my consumer open end credit account since by failing to provide me with a replacement card. Also CAPITAL ONE did not provide to me pursuant to ECOA Regulation B ( 12 CFR 1002.9 ( a ) ( 2 ) a statement of SPECIFIC reasons for the adverse action taken; or a disclosure of the my right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure suppose to include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. It was stated that my account was closed because of activity on the account or another account ( I only had one account with CAPTIAL ONE ) that isn't consistent with CAPTIAL ONE expectations of the account usage and violation of the CAPTIAL ONE consumer agreement. If I violated the agreement I was suppose to be provided with the proof of the violation ( s ) and specific reasons, not the vague statement I was given. I do not agree with any actions that CAPITAL ONE took against me.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I have contacted barclays bank more than 7 separate times to dispute fraudulent charges. Each time I spoke with XXXX, the charges were recognized as fraudulent, and each spokesperson said the charges would be taken care. Six months later, I am still receiving calls and emails demanding payment on these fraudulent charges, and now my credit score is negatively effected.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$4900.00} my account. The amount is inaccurate because of billing errors. I was told to electronically transfer my balance within the allotted time ( XX/XX/XXXX ). Later I was told by another customer service representative that an electronic payment is not acceptable. As a result, I mailed a hard copy check that was sent overnight ( XX/XX/XXXX ). Subsequently, I was charged the promotional interest fee, even though I mailed a letter informing Comenity that I was giving inaccurate payment options. The letter also stated that a hard check was sent overnight 2 days prior to the expiration date. This letter was sent via certified mail, it was received and acknowledged by Comenity bank. In addition, on a recorded line I was told by a Comenity representative that a banking billing error occurred and that the promotional interest rate would not be charged. I have asked on several occasions both in writing and over the recorded line for Comenity to  verify the conversation and to conduct a comprehensive investigation into the phone calls between myself and the senior manager. Unfortunately, every time I call, I am treated unfairly. Comenity representatives raise their voice with me, put me on hold for hours at a time, and disrespectfully refuse to investigate this case. This is fraudulent activity on behalf of the bank for providing false information and posting an inaccurate charge on my credit without my consent. I have made numerous attempts to reconcile this error. Comenity bank has declined to investigate this case after I requested several times to review the recorded phones calls that were made dating back to early XX/XX/XXXX.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

I recently acquired a new credit report with some strange company named Midwest Recovery Systems on my credit file. I have no clue what this is, who this and why it is on my report. I looked up Midwest Recovery Systems and enjoyed reading about this company. According to the XXXX, they have over 875 consumer complaints regarding falsification of documents and attempted collection tactics. I also discovered numerous lawsuits that they concurred by attaching a collection account to a consumer that does not belong to that consumer. Peculiar enough, sounds like a familiar situation. I even found a small community, that is going through or dealt with these thieves in the past.