davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
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)

Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX   XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX ACC #  XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC #  XXXX XXXX XXXX ACC #   XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX ACC #  XXXX. Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Consumer complaint received 2018-11-08
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: Southern Auto Finance Co (GA)

I have retained new copies of my credit reports, and noticed that SAFCO did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX-XXXX about SAFCO. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (VA)

I have been driving for XXXX for over four years. Earlier this year, they ordered a background check from Checkr, which reported three accidents on my driving record over the last three from the VA DMV. I have unsuccessfully tried by phone and emails to convince Checkr to relay to XXXX that in VA, accidents appear on a driver 's record regardless of whose fault it is but they do show a disclaimer regarding that, which Checkr does not show in its report. As a result XXXX has deactivated my account. I have also applied with such companies like XXXX and XXXX which have declined my application for the same number of accidents showing on my record I have provided Checkr with police reports and insurance company statements that I did not cause those accidents which they simply ignore. They would say contact the company involved, which would then say to go back to Checkr. Checkr would even show the rejection as coming from say XXXX, when it actually comes from them. Credit bureaus customarily forward consumer feedback re items on their credits to those who requested the investigation. I have attached copies of some communications I have had with Checkr about this matter.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (AZ)

I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

DIVERSIFIED CONSULTANT XXXX, This collection is the result of Identity theft. Please Delete Immediately!
Consumer complaint received 2018-11-20
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: CITIBANK, N.A. (MA)

XX/XX/XXXX XXXX XXXX XXXX XXXX FL Value XXXX I contact the company, Citi Card, via chat around XX/XX/XXXX to report the fraudulent transaction and to get a new card issued. I was told that credit would be applied in three days. Since then, I have contacted Citi three separate times, where they say 2-3 business days for the credit to apply. 2-3 business days have long passed, without the credit. 

They keep kicking this credit down the road, and I can not reach a resolution.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

My husband used my credit to lease a vehicle in XXXX while I was out of the country. He paid the first month 's lease when he paid down payment with other fees relating to registration and drove off the car. Since then, we never received any bills from the creditor, GM Financial, until I received an email from credit bureau ( XXXX and XXXX ) notifying me that my credit score dropped by 60 points. Surprised, I reviewed my credit report. It went down by 60 points because GM Financial reported late payments on my husband 's auto lease. I came back to the States in late XXXX. I looked through every mails that came while I was gone and there was no mail or anything from GM Financial ever. We still have not received any bills. The lease amount is only {$280.00} - I would never miss this payment at the risk of losing 60 points on my credit score. I called GM and they said they can not remove the report because they mailed them out. This is ridiculous - we just opened up the account in XXXX and this was our first time missing payment clearly due to GM 's mailing system. Again, we still have not received our XXXX bill which they claimed to send on XX/XX/2018. How am I supposed to pay the bills that I never received? I am responsible for multiple bills per months. GM Financial does not care and merely repeats that they sent out the bills. They clearly don't care about the fact that I will not be receiving those bills in the future as well. This creditor is harassing consumers and needs to be reported.
Consumer complaint received 2018-11-09
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. (GA)

I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. XXXX   shows me being delinquent XX/XX/XXXX but the account was paid in full on XX/XX/XXXX. XXXX  does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.
Consumer complaint received 2018-11-08
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. (GA)

I have sent several letters to XXXX, XXXX, and Transunion to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( s ) : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Transunion Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018 Transunion Unauthorized Inquiries : XXXX XXXX - XX/XX/2018
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX  : XXXX The account balance is incorrect, please delete. 

XXXX XXXX XXXX  : XXXX The high balance reported is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company continues to report accounts on my credit report that are not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just baring my name address as I am a victim of identity theft. They continue to report collection account to the credit bureau. I have sent a multitude of request to accurately validate these accounts and send me verification of it, yet they choose not to. They send me letters stating that " this is not an attempt to collect a debt '', yet they are placing these fraudulent accounts on my credit report. They send letters saying the debt has been verified by sending me printouts of someone's last statements and a letter stating they bought whomever this debt belongs to. THESE ACCOUNTS DO NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING THEM ON MY CREDIT REPORT!! THESE ACCOUNTS ARE NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to these accounts, and the blatant disregard of my rights!
Consumer complaint received 2018-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am an identity theft victim, I had an account with XXXX XXXX XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinserting the account, but failed to do so. I demand the immediate removal of the account from my credit report. This is the second fraudulent account that has been reinserted and I will be seeking legal counsel if I do not get this resolved.
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (AZ)

Discover Bank is fraudulently reporting on my credit reports in the amount of {$2300.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2018-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

Chase XXXX is fraudulently reporting on my credit reports in the amount of {$750.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

I changed my XXXX phone plan to a military plan and 6 months later, I received a bill that said I owed {$940.00}. When I paid my new plan I received a new phone. I was told all charges were taken care of and there was no additional charge by the sales person. I gave them my phone and received another one. Now, XXXX XXXX XXXX is threatening to ruin my credit. I have always paid my bill by automatic deduction and have never been late. I asked them to provide a copy of the contract and show me where I am in violation of the terms and why I was penalized. She was unable to provide. She checked the e-signature and said I never signed it. 

This is totally wrong ... I was told there was no additional charges as long as I received a new phone from XXXX.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (KS)

XXXX XXXX took over my XXXX dollar credit card account from XXXX XXXX XXXX I missed a payment and they started threatening me and harrassing me by countless phone calls and mailings. they even threatened with a law suit. and now its doublled to well over XXXX dollars. I have contacted them telling them my health is declining rapidly and I am on both XXXX and XXXX. I have even sent them doctors statement as well as copies of my income My neck and spine is degenerating and narrowing and i have allready had 1 XXXX   XXXX on it. There is nothing more they can do and I will eventually wind up in a wheel chir. Neither of wich matter to them. They keep increasing the debt owed even though I told them there is no was to pay them back.. They told me communications would cease but yet they increase the amount owed?? My credit is not the greatest XXXX XXXX and XXXX XXXX XXXX and its due in part to this credit account. Any information you may need you can email me at XXXX my private email address. 
Thank you both for your time and attention to this matter. 
XXXX XXXX
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maury Cobb, Attorney at Law, LLC (OR)

XXXX account open to use XXXX XXXX car connector. 

Service/device did not work as advertised. I tried calling XXXX directly, but could not make contact due to long wait times. Went into store, and was informed I needed new device. I paid for new device but it never came. 


I refused to pay bill for device and service I did not receive. XXXX sent me to a credit collections service that goes by Maury Cobb Attorney at law. They have been notified I am disputing this with XXXX, but have continued to collect and have negatively reflected this on my credit report. 

XX/XX/18 I called XXXX XXXX to inform them the reporting was inaccurate and I would be contacting the CFPB and BBB if they did not attempt to work with me. I was asked to pay even after making them aware of the dispute/fraud, which is violation of FCRA. When I stated I wanted this removed from my credit, the collector implied it would be if I paid it. This is also a UDAP violation, because paying of the debt does not remove reporting. 

Lastly, overall they have committed TCPA violations through FDCPA. They have repeatedly called my cell phone over the last several months even after being notified I do not want to receive phone calls on my cell phone. 

XXXX / XXXX XXXX XXXX XXXX Last contact XX/XX/18
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (PA)

QUALITY ASSET RECOVERY has been contacting for a long time about medical bills that are not mine. I have been disputing these accounts for a long time. More recently, on XX/XX/XXXX, i disputed both accounts reporting on my credit. One in the amount of {$1500.00} and the other {$1000.00}. On XXXX XXXX, i disputed again after disputes came back verified. I asked for method of verification. I have not received any word or feedback. The times i have called them to dispute, they refused. The rep was extremely NASTY AND VERBALLY ABUSIVE TO ME AND REFUSED TO TRANSFER MY CALL TO A SUPERVISOR. AT THIS POINT I NEED THE DEBTS REMOVED FROM MY CREDIT REPORT AND ALSO ALL CONTACT FROM THEM CEASED DUE TO THE ABUSE I'VE UNDERGONE. OTHERWISE, I PLAN TO SEEK COUNSEL AND SUE THEM.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I put a credit freeze on my Experian account because of the data breach. 

It took hours to remove the freeze, which is crazy. There was very little information I could find on their website about how to remove it - just a phone number it said to call. When I called the number it was an interactive voice response system and didnt give me any options to remove the freeze - was simply trying to sell me their paid service for credit monitoring. It was very obvious that their intent is to make it difficult and inconvenient to remove freezes, which are free, with the hope that customers will get frustrated enough that they will sign up for their paid service. 

After I finally found a different number to call by searching XXXX for Talk to a live person at Experian, I got through to a person for the first time, after finding out why I was calling the call mysteriously disconnected the call and I had to start over again. 

It took hours to simply lift a freeze on my credit report and the intent was clearly to try to make it so difficult that Ill pay for their special service.