davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NV)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-06-03
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. (NH)

These student loans are under federal fraud investigation that i have filed with My State, the XXXX  and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

On Friday XX/XX/XXXX, I tried to create an account on the Social Security website. The website asked me a series of identity verification questions that I later learned are generated by Equifax. These questions referred to " may '' have accounts of various sorts ( mortgages, auto loans, retail cards ) which I do not have and in some cases have never had, and I know this with certainty. In addition, the street address question didn't list a street name that even remotely  resembles a place I have ever lived. 

To troubleshoot this I tried to obtain my free Equifax report - assuming it would list a series of wrong loans that were generating the questions. Or perhaps, it would show that I was a victim of identity theft. The XXXX site, however, asked me _the same exact questions_ which of course, I was unable to answer. I then spoke to person at Equifax who was able to verify my identity - but could only mail the credit report to my home. I then ( because I was in a hurry ) paid to get my credit report ( they had no trouble verifying my identity when I was paying ). Interestingly, the credit report did not show any of the loans that were referenced in the erroneous questions. 

In the meantime I submitted a complaint about the erroneous questions, because I still want to create an online Social Security account. I left a voice mail at their department that is responsible for generating these questions, which is apparently in XXXX. As of XXXX, XX/XX/XXXX, I have not heard back. In the meantime I tried the Social Security site again, but it once again asked wrong questions about non-existent loans or inaccurate street names. 

It's clear the Equifax 's question generating software is wrong. This is depriving me of the opportunity to get an online Social Security account, and thereby requiring me to go to the office in person, which is a significant time expenditure for me. It's surprising to me that Equifax is allowed to have this contract for identify verification when its software is so clearly flawed - especially in the aftermath of the cyber breach. I did not have any similar problems with the other providers ' sites.
Consumer complaint received 2018-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

This company Wakefield associates just put this as a case from XX/XX/XXXX which is a LIE, I took My son to an emergency room and he had insurance I told them I didn't have insurance and didnt want to be seen, they tried to scam but that was in XX/XX/XXXX NOT NOW, another agency tried to charge {$140.00} and got shut down these freaks are trying to say I owe {$630.00}, I am a single mother TIRED of getting XXXX over by these frauds I cant get approved now to buy a property and I need somewhere to live with my sn. I am renting a room in someones house because my credit is so bad
Consumer complaint received 2017-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA) (GA)

I 've previously submitted a complaint against this company and did n't receive validation or a contract stating anything. This company has lied and said they sent papers to my 'Previous Address ' and also claims to have spoken with me this year which is a lie. They have violated m y Hipaa rights.
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc. (NV)

I have an unverified account from CARMAX. I had previously disputed this account. I have never done business with CARMAX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CARMAX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARMAX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.
Consumer complaint received 2018-06-04
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 (TX)

I have a credit card with Capital one. I recently paid off the account in full based on the balance quoted by their system online. I even paid {$10.00} ( XX/XX/XXXX ) over what was quoted because historically Capital One always charges misterious interest after I have paid off the account. I contacted them this time and asked how would I know about some interest charge if there system ( which quotes the payoff ) does not show it. They said because of the billing cycle it would not show the correct payoff. If I am customer it would seem there is no way to full know what is due and it seems like a scam that these charges show after they accounts are paid based upon what was due their system. This seems to be common among credit card companies, they know how to charges interest but there system can not truly show what the payoff is exactly. I think this should be looked into.
Consumer complaint received 2018-06-03
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. (MO)

The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( XXXX, Experian ) sent me any physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I went to XXXXXXXX XXXX XXXXXXXX showroom on XX/XX/XXXX to purchase a car! I had a pre-approved load from XXXX. The Finance manager in the showroom told me that he can offer me the same interest rate from XXXX and insisted me to take the loan from them as the documentation process will be done right away! He asked me to provide my details and gave the details to him and told him that I approve only 1 hard enquiry on my credit report and will not accept multiple hard enquiries as I already have a pre-approved loan.

I have been deceived and I see 6 hard enquiries on my report which I have not approved. 

TransUnion - Unauthorized hard enquiries XXXX XXXX, XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX - Unauthorized hard enquiries XXXX XXXX - XX/XX/XXXX Please do the needful!
Consumer complaint received 2018-06-03
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 — Investigation took more than 30 days
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I have had automatic mortgage payments set up on my account for years with XXXX/XXXX/IMPAC Mortgage. I have not cancelled them nor has my bank account information changed nor has my account contained insufficient funds at any time. Yet XXXX/XXXX/IMPAC has not drafted payments for multiple months now due to unknown reasons starting in XX/XX/XXXX. 

I was first made aware of the problem after receiving a condescending letter in the mail in XX/XX/XXXX scolding me for not paying my mortgage - no voicemails or emails were received prior to this. I called XXXX 's customer service on XX/XX/XXXX, made all payments over the phone that I was advised to in order to bring my account current. I was told automatic payments were set up correctly and would resume. I also asked if there had been any negative reports made to credit bureaus as a result of their error and was told they would look into it and make sure it was rectified if there had been. 

Automatic payments did not resume as I was told, and I again received a letter on XX/XX/XXXX saying my account was past due. I AGAIN called, sat on hold, and made payments over the phone that I was told were necessary to bring my account current and again I was told that automatic payments would now resume this time. I was also told that there has been negative reports from XXXX   to credit bureaus regarding my account but customer service was unable to do anything about it on the phone. I asked to speak to a manager and the manager told me I would have to open a support request to fix this. 

I opened a case on XX/XX/XXXX and still have not gotten a response. I contacted the company again on XX/XX/XXXX without a response. Meanwhile my credit score has plummeted from XXXX to XXXX all due to this companies negligence and no fault of my own. The amount of time and effort I am being forced to spend to rectify this company 's errors is not acceptable.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

Hello, The response I received from CitiXX/XX/XXXX does not resolve the issue that I had when I purchase a washer/dyer set from Sears. You guys are going off the the actually brick and mortar store price and the not internet price that I wanted. Again, when I applied for the account, I wanted the internet price and not the brick and mortar price. There was a technical issue when I didn't get the account number to pay online and no one would give that information to me to proceed with my internet purchase. There are phone calls that suggest this. Even the sales people in the store had no clue what I was talking about. So, after dealing with this inconvenience, I went ahead bought the the higher price merchandise for {$1800.00}. I know if a few hundred dollars difference but I'm not satisfied with this transaction. I need you guys adjust the amount I saw online back on XXXX, take my account of collections, fix the minimum amount due, fix the high balance, fix my credit reporting
Consumer complaint received 2018-06-03
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. (MO)

The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( Transunion, XXXX ) sent me any  physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ERC (NJ)

I never had a XXXX phone. I cant afford XXXX XXXX.XX/XX/XXXX they put on my credit report XXXX is all i see for acct number. I need this removed its destroying my life and they said i must pay to delete it even if its not mines or it will ruin to credit. I told them i would call ftc they said so. I dont know what to do.
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 information incorrect
Company: EQUIFAX, INC. (GA)

I have a loan with XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.
Consumer complaint received 2018-06-03
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. (NY)

There is an account from XXXX XXXX ( XXXX ) that is showing on my experian credit report. I have sent validation and verification letters to both experian and XXXX XXXX requesting to show proof that this account is mine multiple times and neither company has done so. That account was put in my name without my consent and I am a victim of identity theft. I have filed a police report for fraud and even sent that to experian and they still will not remove this account from my credit. This is illegal if the credit bureaus can not proof to me this account is mine they must delete it. It is extremely hurting my credit worthiness and hindering from obtaining the credit I would like to get now.
Consumer complaint received 2018-06-03
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. (MO)

I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical documentation.
Consumer complaint received 2018-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, TransUnion opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID TRANSUNION SEND TO THE FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with TransUnion for being Non-Compliant with the FCRA by not verifying the consumer applications.
Consumer complaint received 2024-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC (OK)

Dear CFPB, I am filing this complaint against Revenue Enterprises LLC for their failure to comply with my requests for validation of an alleged debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to obtain proper documentation, Revenue Enterprises has failed to provide sufficient information for me to validate the legitimacy of the debt they claim I owe. Below is a summary of the events : - On XXXX XXXX, XXXX, I sent an initial request to Revenue Enterprises asking for validation of an alleged medical debt they reported on my credit report. In this request, I asked for : - A detailed breakdown of all charges, including any collection fees.

- A copy of my signed authorization to release my medical information.

- Evidence that the original creditor authorized Revenue Enterprises to collect the debt. 

- On XXXX XXXX, XXXX, I sent a follow-up letter as they had not responded with the requested documentation within the 30-day timeframe required by law. I reiterated my request for validation, citing both the FDCPA and HIPAA, as I had concerns about the release of my medical information without my consent. I also requested that they cease reporting the debt to the credit bureaus until it was validated. 

- On XXXX XXXX, XXXX, I sent a third letter, emphasizing that the information they had provided so far was incomplete and did not substantiate their claim. The document they sent did not include my address or any identifying details that could link me to the alleged debt. The information appeared fabricated and did not meet the legal requirements for debt validation under the FDCPA. I again requested that they cease reporting the debt and provide proper validation.

Despite these repeated attempts, I have not received the required documentation to validate this debt. Revenue Enterprises ' failure to respond appropriately is a violation of my rights under the FDCPA and FCRA. By continuing to report the debt without proper validation, they have also damaged my credit score unjustly. I am seeking the CFPB 's intervention to ensure that my rights are protected and that this matter is resolved. 

I request that the CFPB hold them accountable for their violations. I also request that the CFPB require them to cease reporting this debt to the credit bureaus until proper validation is provided, or have the debt removed from my credit report entirely. 

Thank you for your attention to this matter.
Consumer complaint received 2018-06-03
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. (MO)

I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, XXXX XXXX XXXX ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, Transunion keep updated this information, never not once giving me an physical documentation.