davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (GA)

I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX that are hindering me from being approved to buy a house. One account is with Castle Credit Holdings for {$1500.00}, it says it was closed XX/XX/2018. The other is with XXXX XXXX XXXX for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for Castle Credit Holdings still shows as an open account on XXXX. I am also seeking legal advice this week from a local  attorney to dispute these items. Castle Credit Holdings directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I previously filed a complaint against Portfolio Recovery and they said they would investigate the issue. I had an account with XXXX XXXX that was closed on XXXX. After falling behind, I was eventually able to pay the account off in full and had the account closed. 

Portfolio Recovery stated they purchased the account from XXXX XXXXXXXX in XXXX and XXXX XXXXXXXX Confirmed to me directly and never responded through the CFPB Complaint that they had sold the account to Portfolio Recovery. I submitted proof from my credit Report to Portfolio Recovery, showing the account was paid in full and closed on my request. 

Portfolio responded that they would investigate the issue, but didn't despite claiming they did. I filed a dispute with the Credit Reporting Agency about the original account in question against XXXX XXXX and XXXX confirmed the account was paid and closed. So Portfolio never had any intentions to stop illegally trying to collect a debt that never existed. 

They then, Closed the collection account contained in XXXX, but the closed account still negatively reports a debt that never existed and I'm unable to dispute it, because it's not in collection, but still negatively harms my credit and left the collection accounts in the XXXX reporting agencies open. 

This company is hell-bent on making me pay for a non-existent debt or make me financially suffer for not paying something I don't owe. They are literally extorting me. 

I ask that CFPB intervene at this point. XXXX XXXX has not cooperated with CFPB and Portfolio has no interest in obeying the law, but rather giving lip service. 

The lies and deceit by this company should not be allowed and they should be heavily fined and or sued by the CFPB.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to XXXX, XXXX XXXX Equifax but they wouldn't consider. I have not receive a response from the XXXX XXXX XXXX. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I sent the following message to MOHELA on XX/XX/XXXX ( personal data redacted ) : To whom it may concern : These are standing payment instructions for my account # XXXX. Any and all payments made to this account are to be applied to the current bill. If the current bill 's minimum payment and all accrued interest has been met, payments are to be applied to the principal balance of the loan with the highest principal. I NEVER want a single payment or Auto Debit payment to be used to 'advance the due date ' on my loans or put them into 'pay ahead / paid ahead ' status. To repeat, all overpayments to this account shall be applied to the principal of the loan with the highest balance. If any of my payments are not applied per these standing instructions I will be contacting the Consumer Financial Protection Bureau and I will pursue all necessary legal actions against MOHELA. Thank you, I received an automated response stating that they had received my message. However when I check my account I see that they have indeed placed my loans in a " paid ahead '' status, with the next due date being set to XX/XX/XXXX. This, of course, in no way benefits me as a consumer or debtor, which is why I gave them such explicit instructions. As they are ignoring my instructions I can not trust that they are calculating my interest correctly or not otherwise committing any kind of fraud. I would appreciate any help you can provide.
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2018-10-01
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. (FL)

On XX/XX/XXXX I contacted Experian directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

Experian was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, Experian reported a response that the debt had been verified and would remain. Experian and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). 

To this end, I am requesting the assistance of the CFPB to hold Experian to task as well as the below referenced collections agency : XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FC HoldCo LLC (MD)

I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXXXXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (VA)

This all started on or around the middle/end of XX/XX/XXXX. 

My account was closed for no reason. 

I went to check my account online only to find out that it had been closed. I tried to contact the company on this day only to find out that my account online had been suspended. Also I tried phone contact and the automated system is telling me the same thing and would not process my call for me to speak with a customer service rep. 

On XX/XX/XXXX I finally was able to get through and spoke with XXXX ( Supervisor in the Acct. Protection Services ). XXXX stated that the account had been suspended for fraudulent activity and that it was being looked into. I would be notified via email. I never received any type correspondance from Amex/Bluebird in regards to my acct. Every customer rep that I spoke with this day is telling me the same thing. 

So on XX/XX/XXXX, I called again and explained my situation to a customer service rep. Who responded with the same info as the call on XX/XX/XXXX. Now I ask to speak with another Supervisor. I speak with XXXX ( Acct. Protection Servicces ). XXXX says my account is still being investigated. It takes 7-10 business days. She went further on to say that {$28.00} was being sent back to sender ( XXXX XXXX ) & the balance of $ XXXX-a direct deposit transaction will be refunded via a check. Again 7-10 business days. Still no correspondance from AMex as to why the account was closed and when/where my money is, What transactions were fraud. nothing. 

i given plenty of time for some type of letter, something to be sent to me. I had a balance of {$66.00} left on the acct. It wasn't returned to sender and I have not received my funds back. These funds had been sitting on the account why wasn't it flagged upon deposit. Which by the way was from a legit bank account. 

Today XX/XX/19 I call the company again demanding an answer as to where my money is. I again speak with a customer service rep. who by the way had me on hold for like 15 min. only for her to tell me the same as previous, and that I would need to write the company. I then speak with XXXX ( supervisor ). She also had me on hold for like 15min. Today this whole call started @ XXXX and went on 42 minutes. Being put on hold multiple times only for XXXX to come back and tell me that I need to write the company @ XXXX XXXX XXXX XXXX, GA XXXX. Also that I will not be getting my money refunded to me for fraud. 

WHY AND WHERE IS MY MONEY. IM TIRED OF THE RUN AROUND. All I want is my money back. You can't just take my balance on my card, close the account and not say nothing to the customer. It's bad enough if you send me a check I have to pay to cash the check for my own money. 

To resolve this issue all I want is my money back. After repeated attempts to get answers and my money back your company is not doing anything to assist me and I'm 1 livid person right now.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NC)

ACIMA DIGITAL FKA SIMP continues to report an account to XXXX with a balance of {$3100.00} that doesn't not belong to me. I reached out to them by mail but received lack if response. Provided Police affadavits and dispute forms, they continue to report to the bureau.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer account listed XXXX XXXX XXXX Account # : XXXX. There is several inconsistencies listed among the reporting agencies listed below. Furthermore, federal law states any consumer account with a balance over a {$1.00} is due to the consumer therefore the account can not be in collections or charged off.

Once an acount is charged off it is considered income and can not be reported per the IRS.

- If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583.

Account Type - Detail : Credit Card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (SC)

This company has sent me no notice of any collection. This company has also tried to double dip and reported the same account twice to XXXX which now shows as 2 collection accounts as well as reported a date of XX/XX/2023 as a default date which I have no knowledge of.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (VA)

Around XXXX & XXXX my credit report had invalid information which reported as Ginny 's XXXX XXXXXXXX XXXX XXXX WI XXXX stating I owed {$390.00} to which I did dispute with all three credit agencies and asked for verification, to which was never acknowledged by the credit agencies however remained on my report. I have made ongoing attempts to have this false information removed from my report. Ginny 's was removed after multiple disputes That this was not my debt. It has appeared on and off my credit report since XXXX. It showed XXXX removed this from my report XXXX, however this exact invalid information is currently showing on my credit report. I have no contract with Ginny 's therefore my personal private information was not to be provided. Ginny 's has violated my rights multiple times. The security of my personal information appears to not have the protection that it is supposed to have as stated under many laws. Ginny 's has placed false debt on my personal report hence the fact I disputed the invalid information on several occasions through the years. I ask that this false debt be removed from all 3 of the credit reports immediately or I'll further my complaint to Federal Government, as this is false information that has been randomly placed on my report which hinders my ability to have availability to potential credit offers or loans if needed. Ginny 's has defamed my character, trying to coerce me to pay a debt that is not mine ( Illegal Debt ) My credit report is getting handed to someone I have no contract with, nor did they have permission to have access to my private information. Please remove false debt Ginny 's, I have not given you or your employees permission to have my nonpublic personal information. You have infringed on my personal rights.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX