davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Sent Portfolio Recovery ( Account # XXXX ) A Letter for debt Validation on XX/XX/year> and they never responded to my request for information. 
See attached file. 
Company never responded or removed this from my XXXX credit report. 
Please remove erroneous information from my XXXX XXXX  Account. Thanks
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The credit bureau said that the account name and account number had been thoroughly investigated ; however, how is that possible if the open date, last active date, and last reported date are all off? This is grounds for elimination. My rights under 15 U.S.C. 1681 Section 604 A Section 2 were also infringed upon.

A consumer reporting agency can not provide an account without my explicit consent, according to the law.

I haven't granted these accounts written consent to appear on my credit report as well.
Consumer complaint received 2024-10-15
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. (NJ)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (FL)

I received a hard inquiry from a company who I never heard of and never made any inquiries. Received a letter in the mail and looked up the phone number to see its a common scam number XXXX
Consumer complaint received 2024-10-15
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. (TX)

I'm contacting you in order to contest the continuous validation of a credit report account. Even though the supplied documents demonstrate that the information is wrong, no changes have been made, and the false information is still being reported as accurate.

This clearly violates 15 U.S.C. Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that false information be looked into and fixed. I ask that you look into this matter again right away and either fix or delete the false information from my credit report.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NC)

Sent the money on XX/XX/XXXX. It was supposed to be an instant debit card transfer. I followed up to say it was not delivered and they said to wait 72 hours. The recipient didnt get anything. Followed up again on XX/XX/XXXX. They said it shows delivered. They said they would investigate. They sent an email XX/XX/XXXX saying the money was delivered and they will send transaction id from XXXX XXXX and they are closing the case. I never received the confirmation nor the money back. Checked with recipient and was not received. On XX/XX/XXXX, I emailed video of recipient bank transactions and to ask for a refund. Called also to follow up. They still claim it was deposited but it was not and telling to wait for another call back. I managed to send money another way and just want my money back.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (AR)

I have a home I have been paying on since XXXX. I filed bankruptcy in XXXX and was told I would be reaffirming my mortgage ( XXXX mortgages with the same company ). I believe looking at my paperwork, it looks like they both had been reaffirmed. After the bankruptcy I continued to pay both of my mortgages. My primary mortgage has had no issues, however, several months after the discharge the mortgage company refused to take any more payments on my XXXX mortgage because it had been XXXX in the bankruptcy back in XXXX. I remember the mortgage company telling me at that time that it had been XXXX in the bankruptcy and they could no longer take my money. Since that point I have continued to make on time payments on my primary mortgage only. 

Throughout the years my mortgages have been picked up and serviced by numerous different companies, too many for me to remember. Both mortgages have ended up with PHH Mortgage and have been since, I believe XXXX. 

In the past 10 months I have received a letter from a law group on behalf of the mortgage company for an XXXX XXXX XXXX XXXX, which is almost {$21000.00}. Then after I replied to that letter, I received another letter of Rescission of Acceleration of XXXX XXXX from this law group. Since then I have received numerous letters of Default which I responded to and most recently, in XXXX, received a 10 day pre-foreclosure letter along with another letter of default. 

I want to find someone that will help me fight to save my home that I have paid on for all of these years. I understand this was my debt, however when they refused to take my payment well over a decade ago I didnt know what to do and did nothing. Now they are coming after me and my home that I have paid down after 14 years with no contact or issues from them until now. I know that I have rights to protect against this kind of behavior on this zombie loan that this is a time-barred debt beyond the state of Arkansas 's statute of limitations. 

Can you please help/consult me and help me understand what my rights are and what I need to do at this point after XXXX  years? Something seems to have been screwed up all those years ago and now people are trying to cover their butts and come after me.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-15
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. (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring your attention to inaccuracies on my credit report that occurred as a result of financial hardship caused by the COVID-19 pandemic. According to federal guidance and the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, creditors and credit reporting agencies are expected to provide relief and leniency to individuals financially impacted by the pandemic. However, I have identified derogatory marks and late payments on my credit report during this period that do not align with these provisions. Explanation of Circumstances : I was financially affected by the COVID-19 pandemic, resulting in a loss of income and unemployment during [ XXXX ]. During this time, I communicated with my creditors regarding my financial situation, requesting relief and accommodations under the available programs. Despite this, late payments and other derogatory remarks were reported to the credit bureaus. Under the CARES Act, lenders were required to report accounts as " current '' if accommodations were made due to pandemic-related hardship. These negative entries appear to have been reported in error or without considering the appropriate guidelines. The complaint is regarding the below accounts on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This third party collection agency has purchased a debt with out my consent. I did not have any contract with this company for a debt. I have tried to get this bad reporting off of my consumers report for the past XXXX years and they keep stalling with no explanation or proof that they own the debt. I have proof that I sent a letter of debt validation to them certified mail. The mailed was deemed delivered by XXXX to their XXXX office and they did not reply this letter was sent to them on XX/XX/year> certified mail after the account was disputed with the reporting agencies. They have been dishonest with the CFPB saying they werent sent the letter of validation so they dont have to validate the account the proof is in the complaint and according to the consumer laws they must validate the account according to XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.

S.C. 1692g. Please provide the following information regarding the alleged debt : 1. The name of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and charges.

3. Proof that you are authorized to collect this debt, either through assignment or ownership.

4. Verification of the debt, including copies of any contracts or documents that show I am legally obligated to pay the debt.

5. A detailed payment history showing how the alleged amount was calculated and whether payments have been applied. 

Until I receive this information, I request that you cease all collection activities related to this debt, including reporting this account to credit bureaus or pursuing legal action.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (TX)

I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information regarding the alleged debt : 1. The name of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and charges.

3. Proof that you are authorized to collect this debt, either through assignment or ownership.

4. Verification of the debt, including copies of any contracts or documents that show I am legally obligated to pay the debt.

5. A detailed payment history showing how the alleged amount was calculated and whether payments have been applied.

Until I receive this information, I request that you cease all collection activities related to this debt, including reporting this account to credit bureaus or pursuing legal action.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent innacurate and false information consists of a personal credit card account opened at XXXX on XXXX, XXXX under the account number XXXX, This account have resulted in several fraudulent hard inquiries appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NJ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : INQUIRIES : 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
Consumer complaint received 2016-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (MN)

I have an issue with a debt that I should n't owe ( Not the issue here. ) The issue is they call both my cell phone and work phone number about every 30 minutes throughout the day. 

They call my co-workers ' direct lines numerous times a day, which is the real problem. 

It is causing damage to my work reputation having to explain to every co-worker why they 're getting debt collection calls for me to their direct line. 

Not to mention it happening several times an hour throughout the day.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX XX/XX/XXXX, I was looking at our checking account online. I noticed a charge from XXXXXXXX XXXX for {$4.00}. We have never had that service ever. I further investigated and found that they had been charging our account fraudulently since XXXX of XXXX for {$4.00}. 
I immediately called 5/3rd and they told me to file a claim with the dispute department, that claim number is XXXX. They then told me to cancel my current debit card and order a new one. Since we got the new debit card I use if for nothing. We switched to using our XXXX XXXX for all purchases. We did that and then a week ago I was online looking at our checking account and there was another charge for {$4.00} on XX/XX/XXXX with our new debit card number! I can not believe they have our new number! I called 5/3rd today and filled a new claim # XXXX. They are ordering us a another new card, but I am scared that they will give it to XXXXXXXX XXXX again. I also contacted XXXXXXXX XXXX  today and they have no record of us as a customer and the charge of {$4.00} is strange because they have no plan that costs that much. Our Reference number with them is XXXX.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I have sent a debt validation letter to the company and never received the information. Also they are reporting inaccurate information saying that the amount is past due. I collections account can not show as past due or open. For this reason I have asked repeat for this collections to be removed with no outcome
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NY)

my work phone ( XXXX ) XXXX has been called for more than XXXX times over the past 2 months ( average XXXX a day ) from XXXX, LOOKING FOR THE WRONG PERSON. I 've contacted them 3 times and they keep telling me my number is not on their calling list. But I keep receiving these automated calls as recent as this morning.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

The bank continues to see my claim as non fraud.

Executive contacted me last week stating that they the claim will remain denied because they couldn't recover the funds. 

I tried to explain to XXXX the lady that was taking care of the complaint that my claim was a fraud claim that no matter how many time i have talked to wells fargo reps they kept denying and keeping my claim as non fraud she refused to listen stating there is nothing she can do. I request the documents again. 


My claim started as Someone called me from a wells fargo number confirming transactions from my account ask. Then they proceed to tell me that someone in texas was using my account and that they needed to file a claim and close my account to verified me and proceed there were going to send a number i needed to verified. ( During this conversation i had no access to my online banking so i logged in with my husband online and saw the transactiona they were talking to me about i freak out ) They proceeded to send a text message XXXX XXXX XXXX XXXX XXXX  i verified the number thats when the {$11.00}, XXXX disappear. 
I called WF and the first rep said if you made the wire transfer we stop it otherwise we have to file a claim and wait fornthe investigation. 
I said they created the payee ( mind you i was still locked out of my account ) he said i filed a claim and we will start the process to recoup funds. 10 days went by and nothing i called back and all the rep stated on the notes was " I APPROVED THE TRANSACTION AND WE COULDN'T STOP IT CLAIM DENIED '' and since XXXX i been trying to explain to WF that someone took over my Online Banking and made that transfer but because i confirmed the " number '' they said i approved it. I have tried to send all the text messages to them so they can see they came from a wells fargo number how was i supposed to know and that they locked me out of my account, but unfortunately no one wants to listen. I was trying to take this to legal and file a civil complaint since i have proof my lawyer said that in order for me to do so I need all documents used to determine the decision. But since my claim keeps been investigated as Non - fraud they Don't have to provide documents, if they can only take their time time and listen to what happen and really investigate they will see that i DID NOT MAKE THE TRANSACTION OR APPROVED IT. IT WAS ALL A SCAM.
Consumer complaint received 2024-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (AZ)

I am writing to dispute an alleged debt reported by United Collections Bureau Inc on my credit report. The agency placed this collection without giving me the opportunity to challenge the debt or validate any information. I ended up paying the debt due to the constant abusive, deceptive, and unfair debt collection practices of this agency. 

A six-month payment term was agreed upon in XX/XX/XXXX for the debt, with all payments made monthly directly from my account to the agency. After the six-month term had elapsed and all payments were made, the collection agency placed a collection on my credit report without notice or opportunity to pay the balance or their decision. 

I contacted the agency to inquire why they placed the negative report on my credit report after the agreed payments were made. They confirmed their error and apologized but refused to correct it, instead referring me to the credit bureaus. I again contacted United Collections Bureau requesting a pay-to-delete agreement, which was agreed upon. However, the agency refused to delete the collections after full payment of the balance of {$530.00} was made. 

This negative report has been on my credit report since XX/XX/XXXX, and the agency is now requesting an additional {$200.00} to contact all three credit bureaus to remove the collections from my records. I have experienced immense mental stress, being denied mortgage loans and credit cards, which has severely impacted my ability to care for my family as a single parent of XXXX children. This is a violation of the Fair Credit Reporting Act. 

Please help me get this off my credit report. 
Thank you for your cooperation.