davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
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. (MO)

OnXX/XX/XXXX, I sent a certified letter to Experian to dispute accounts on my credit report. In the letter, I requested documentation that they used to verify the accuracy of the accounts or unverified accounts be deleted promptly. Thirty or less days later, Experian sent a dispute result letter stating that the accounts on my credit report have been verified. However, they failed to send the requested documentation to verify the accounts. On XX/XX/XXXX, I sent Experian a second certified letter, again requesting documentation to verify the accounts or promptly delete all information that can not be verified. On XX/XX/XXXX, I received a dispute results letter, which yielded no new results.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (MS)

( XXXX ) The debt collector could not give me the details about the bill that I was asking for and would not stop talking and listen to me long enough for me to get the clients account number so I can figure out if it was a facilities charge or the doctor 's billing. I need to know what I am paying. He threatened that it will continue to stay on my credit and he will tell the client that I am not willing to pay even though I told him I will pay the bill as long as I know what I am paying.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NJ)

Hello, Im submitting this complaint to XXXX XXXX XXXX. because this company keeps on calling me. When I finally picked up the phone to see who it was, it was that company XXXX XXXX XXXX. They told me that I owed in a XXXX XXXX credit card from XXXX XXXX XXXX dollars and that account was 2 years old and closed. This account doesnt even show up in my credit report so it doesnt make any sense for them to be calling me to try to scam me. This call happened on XX/XX/2018 when I picked up the phone. The person, s name is XXXX XXXX from XXXX XXXX XXXX. I want them to stop calling me for something that I dont owe. Thank you.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Olde City Financial Inc. (VA)

Our non-profit organization was abused and harassed by XXXX XXXX, Olde City Financial. The company collecting the debt switched collection agencies to a collections attorney. We settled the debt with the attorney for {$25000.00} one year ago. We send payments each month to the attorney and have paid {$14000.00} to date. 

Three months ago, I started receiving undated collection notices from Olde City Financial stating they receive our payment and requesting payments ranging from {$35000.00} to {$38000.00}. 

Please make them stop. I don't want to contact them for fear the long, abusive phone messages will start again ( I saved them ),  emails, calls after hours, calls to my work, etc. 

Thank you.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

Ive settle an account with national credit adjusters llc for the amount of {$1500.00} on XX/XX/2018. The original debt amount was {$3900.00}. Even though the account was settle they told me that they were going to delete the account from the credit bureau within 30 to 45 days. Ive called them several times for the account to show the right information but they refused to send the right information to the credit bureau and therefore this show a balance of {$2400.00} instead of a balance of {$0.00} since the account was settle for the amount of {$1500.00}.
Consumer complaint received 2018-06-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?
Consumer complaint received 2018-04-29
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. (MI)

Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }
Consumer complaint received 2018-06-05
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. (TX)

Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried to contact Experian regarding incorrect and outdated information on my credit report via direct mail per the addresses provided on thier website. each time mail come back to me " RETURN TO SENDER ATTEMPTED - NOT KNOWN UNABLE TO FORWARD ''. Why are they allowed to do this?
Consumer complaint received 2018-06-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?
Consumer complaint received 2018-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I have {$1000.00} that was wired to my wallet on Coinbase. It is in cash, not virtual currency. Coinbase disabled my account. I called Coinbase and they tell me that they can not tell me why it was disabled, when I will have access to my funds, or whether I will regain access to my funds. They just tell me that I will need to wait. I ask them how long or why my account was disabled and they have no information. They claim only support staff knows that information and you are not allowed to speak to them.

Essentially Coinbase took {$1000.00} of my cash and disabled my account so that I can not get access to it and wont tell me why it was disabled or how to get it back. This is criminal theft as far as I can tell. These guys should be prosecuted.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

Hello I have repeatedly asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. To provide proof under the Fair Debt Collections Practices Act ( FDCPA ) to provide proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding me to pay this debt. There has been no signature or any type of paperwork on what is owed. I have not got any response from the company besides a plain paper with amount owed. This is hurting my credit score and causing problems with my finances, I believe not showing proof is against the law from collection practices. Please stop reporting this account to the credit bureaus if you can not provide any proof to me.I have certified records of the letters that have been sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have not been shown for months any kind of proof this is my account. Thank you
Consumer complaint received 2018-06-04
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. (MD)

Experian fail to follow Federal Law by not notifyin In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. in which i was not notify. that this account from XXXX  was recent deleted from y credit report and now XXXX XXXX XXXX pleace this same account back on my credit report ... .i was not notify.
Consumer complaint received 2018-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Comerica (NC)

I receive a XXXX payment from Social Security Administration on a US Direct Deposit Comerica Bank card I transferred to direct  deposit to my in my wife 's bank account and upon doing so and then learning that that occurred they cancelled previous payments that were received by my credit card company 15 days prior after credit card company receiving the funds they refuse to explain identify or have any explanation of where this money is orgone other than making the statement that the funds were available but would be declined on the 3rd which clearly must have been backdated my records and receipts indicate the funds were available to an addition {$6.00} more than the bills I payed after her employee representative admitted that the amount was correct and there was an additional {$6.00} available after both bills was paid and then I was transferred immediately to a supervisor which could not explain where the {$210.00} is or I had gone to that I would not get it though that was made clear I started more time and ask for paperwork to be sent to me so we can further more try remedy the situation amd I was hung up on
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing sent me a letter dated XX/XX/XXXX, stating : As of XX/XX/XXXX, you are 3264 days delinquent on your mortgage loan. Your account first became delinquent on XX/XX/XXXX. 

I agree that the last payment I made on the mortgage account they purport to service was XX/XX/XXXX, so the date of first delinquency is XX/XX/XXXX. 

Last month, Ocwen made the following statement in a letter : Our records indicate that on XX/XX/XXXX, we have processed adjustments and rolled the due dates from XX/XX/XXXX to XX/XX/XXXX in order to apply the funds toward the interest and escrow only. 

My position : Any adjustments Ocwen processed to my account on XX/XX/XXXX have no bearing on the underlying fact of my last payment date and the date of first delinquency. I made no payment after your XX/XX/XXXX letter, and therefore the date of first delinquency remains XX/XX/XXXX. 

Ocwen appears to have created unilateral adjustments for the purpose of bringing forward the date of first delinquency, so that they can continue to report this account. Its CRA reporting is illegal under FCRA Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), and willfully fraudulent. The following guidance provided by the Federal Trade Commission supports my position : If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This date of delinquency determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

[ Y ] ou have legal obligations under the FCRAs Furnisher Rule. Your responsibilities include furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide. 

As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MO)

JP Morgan Chase is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with Chase beginning XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
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. (DE)

Re : Notice of Intent to Arbitrate Dear Experian, XXXX XXXX XXXX XXXX XXXX, XXXX I am writing to formally notify Experian of my intent to initiate arbitration under the terms outlined in the Experian Consumer Credit Reporting Agreement. This notice is pursuant to the Federal Arbitration Act and any applicable arbitration provision governing my relationship with Experian.

The basis for my claim is as follows : 15 U.S.C 1692d is a section of the fair debt collection Practices Act FDCPA that Prohibits debt collectors from engaging in abusive, harassing or oppressive conduct in connection with the collection of a debt. This law provides important protections for consumers against unfair treatment by debt collectors. Because of my financial lost do to the over reporting of this Bankruptcy with the XXXX court which I have disputed with your company several times and the information has been updated and has had a major effect on my credit worthiness I am seeking the amount of {$50000.00} and this information removed from my credit report immediately.

In accordance with the arbitration agreement, I request that Experian provide me with the contact information for its designated arbitration representative so that I may proceed with filing my claim with the appropriate arbitration body. Please note that I intend to pursue all available legal remedies in this matter.

Please acknowledge receipt of this notice within 10 days of receipt, as stipulated by the terms of the arbitration agreement. Failure to do so will be taken as a refusal to engage in good faith arbitration proceedings.

Thank you for your prompt attention to this matter. I look forward to your timely response. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On or around XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from XXXX XXXX  XXXX. No follow up letters or phone calls. 

I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. 

All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXX to present regarding the matter. Which means I had no time to respond. 

To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. 

Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. 
No permission was given to XXXXXXXX XXXX  XXXX to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. 

During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. 

While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. 

Mind you since XX/XX/XXXX I have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This morning, I was shocked to discover incorrect accounts on my credit report, and I have no idea how they ended up there. I routinely check my credit report, but this time I was stunned to see discrepancies that appeared out of nowhere. I tried refreshing my browser, thinking it might be a technical issue, but the inaccuracies didnt go away. Given this situation, Im asking for a meticulous review of the documents Ive submitted, so I can avoid this kind of worry in the future.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and XXXX  they are causing me.