davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I contacted Experian a few months ago about a debt that they have removed numerous times on my credit report but keep reading from XXXX XXXX of XXXX XXXX, Ar. XXXX of this year, Experian sends me a letter stating that I needed to take it up with the creditor. On XX/XX/XXXX of this year, I sent a letter to XXXX requesting verification of the debt via certified mail. XXXX did not accept the letter and had it returned to me. I sent another letter to XXXX via regular mail again requesting they verify the debt. XXXX then sends me a letter in XXXX stating that I do not owe the debt. I send Experian and XXXX  the letter that was sent to me from XXXX. XXXX removes the debt, but Experian sends me a letter dated on the XXXX of XXXX stating that they verified the debt with XXXX. I am looking into legal means to handle the situation, but I am giving Experian one last chance to rectify their wrong permanently.
Consumer complaint received 2018-09-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

portfolio recovery associates sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Due to loss of employment I was unable to pay my mortgage. I put the home up for sale in XX/XX/2017. We knew it needed to be a short sale because of the amount owed on the first mortgage and a huge second mortgage. A contract was received in XX/XX/2017. OCWEN has continued to play games for over 7 months stating they didn't receive the offer, then they lost our offer. We had a preliminary acceptance via email after 5 months but they needed an appraisal or BPO for final acceptance. The person that claimed to do the BPO NEVER entered the home as we have electronic records of entry and she valued the home the same as totally updated homes in the subdivision. We filed a complaint and have NEVER heard back. Repeated phone calls, emails, voice mails go unanswered! 

The buyer of 7 months walked away from the transaction! This is their way of trying to force me to foreclose and pay back the money. I'm XXXX years old and only have social security to live on and that barely puts food on my table. 

They still will not respond!!!!
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GreenSky, LLC (OH)

Company of Greensky, located in XXXX, Georgia has successfully closed the account a amount was rendered as their final process to close the account back on XX/XX/2018. The overall problem was I needed to cancel the contract with a contractor that utilized XXXX XXXX. This had to escalate in XX/XX/2018 involving the Attorney General. The Attorney General was successful in advancing that portion within this financial institution to their legal division. From there over a course of months I was able to collaborate with one of the legal representatives. This legal representative within Greensky on XX/XX/18 determined a amount to close and finalize the concern for the sum of {$520.00} and the same day I obtained from my bank a certified check from XXXX XXXX XXXX and mailed it. In the memo the account number was placed along with " paid in full ''. Greensky has cashed this certified check but continues to say I owe now over {$70.00} in charges. This amount was with one of their legal advisers. Every time you call them its the same thing of over 20-25 minutes wait, your allocated to telemarketer and no one can seem to advance to sending me a account closed, bill paid in full for my credit reporting needs. 

I do not owe them anymore than what their legal representative had me make their check out for. I am asking for a zero balance, account closed letter.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (OH)

I was notified XX/XX/2018 by collection agency that I owe debt from a utility company. I was not aware of the debt and asked for a copy of the bill. In the meantime I contacted the utility company and discovered it was from my rental property ( they sent my bill to the rental address ) the original bill was for XXXX and they discovered a billing error and reduced the amount to XXXX. I received bill from Utility Company and paid the same day by check ( XX/XX/18 ). Also received bill from Collection Agency. Collections called again around XX/XX/XXXX and I told them I paid the balance and I provided check # and amount when asked. Contacted by Collections on XX/XX/XXXX that I owed a balance of XXXX ( difference between original bill and revised bill ) and I explained that there was no balance and account cleared. They insisted. I verbally disputed the charge and asked them to call Utility Company and they refused I again disputed the balance and they insisted I owed. I contacted Utility Company and they verified XXXX balance and stated they would contact Collections. On XX/XX/XXXX called Utility Company again and they started the manual reversal. Almost 2 weeks later the Collection Agency filed a derogatory remark and collection notice to all reporting Credit Bureaus. My credit is in yellow status and dropped 50-100 points ( depending on what agency ). Also note that in the correspondence from the Collections they did not provide info on the dispute process.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is XXXX.
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I've attempted more than 5 times to submit a dispute online with XXXX at their website : XXXX XXXX XXXX and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; Portfolio Recovery Associates for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with XXXX and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX this XXXX XX/XX/XXXX!
Consumer complaint received 2018-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

I had disputed an account with the bureaus and they came back and stated the account was validated. I then sent a letter to XXXX XXXX requesting a full payment history from when the account originated to charge off date. The letter they sent was indicating that I had to have a subpoena sent to get the information. My question is how in the world without having evidence can they report anything?? They said they only had to keep the statements for a certain amount of time but what I was asking for was the payment history not statements.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (NJ)

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing dispute with my card provider, Current. On XX/XX/XXXX, I submitted a claim to dispute several unauthorized charges made to my account, but despite my best efforts to resolve this directly with Current, the issue remains unresolved, and my family is facing financial strain as a result. 

I have already taken the following steps in an attempt to expedite the investigation : - Submitted screenshots of my communications with the merchant. 
- Filed a police report for the fraudulent charges. 
- Provided proof that the merchant has banned the individual responsible, removed my card information, and is willing to cooperate with Current in this investigation. 

Despite this, according to the Merchant, Current has not yet contacted them, and I have received no indication that the process is moving forward. While I understand that these disputes can take 30-90 days to resolve, I am concerned that without your intervention, this process could be further delayed or potentially denied without proper investigation, as I have seen similar instances reported by other Current customers. 

I would appreciate any assistance the CFPB can provide in helping facilitate a timely and fair resolution to this matter. I am eager to resolve this situation and ensure that I am not held responsible for these unauthorized charges. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX
Consumer complaint received 2018-09-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

I was contacted by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX funds to collect a debt of XXXX, XXXX XXXX dollars, and then a few weeks later after I was attempting to cooperate by sending in check stubs to sign up for rehabiliation program. XXXX and XXXX XXXX  send me a letter and indication by phone that I owed XXXX XXXX dollars. I began to question this debt altogehter because I was told that XXXX was required to purchase for XXXX. At this point, I verbally disputed this debt because I do not owe XXXX XXXX dollars. The representative from XXXX told me that they was attempting to collect on XXXX XXXX. I was not familiar with this company at all, and therefore, I stated again that I did not agree with the debt. I sent a certified letter to dispute the debt to XXXX and on behalf of XXXX XXXX. On XX/XX/2018, I received a letter from XXXX XXXX indicating that they reported a debt of XXXX, XXXX XXXX to Experian XXXX XXXX. XXXX XXXX  did not report with notification the the debt was being disputed. Neither company has completed the requested validity of the debt within the 30 day timeframe from first request, so this is a direct violation of the Federal Fair Debt Collection Practices Act. This is harassment and misleading in every way. In addition, XXXX XXXX XXXX XXXX XXXX contacted me XX/XX/2018 threaten to contact my employer for wage garnishment. I did not know who this company was until I searched that XXXX XXXX  had transferred their XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX failed to disclose their affilation with XXXX XXXX to collect a debt through threats to contact my employer for garnishment of wages. This is deceptive and unfair in nature, another violation. Consumers are expected to follow the procedural routes, and these companies should be held to the same standard. As a result of there tactics, it has caused me a lot of distress and unrest. I just want fairness in the matter. How can XXXX and XXXX XXXX   state that I owe XXXX XXXX and later owe XXXX due to fees, but report to the credit agency a debt of XXXX XXXX, because I did not sign up for the rehabilitation program. XXXX and XXXX XXXX have not completed the validity of debt as requested by ceritified letter dated XX/XX/2018. Please assist with this debacle and bring some kind of fairness to the matter. Thank you ....
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on Equifax that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I had saved up money to buy this video game account posted by some guy on XXXX. I contacted him to buy and he joined my lobby with it and everything. Then l, I sent the {$65.00} to him and he made me do it friends and family through PayPal. This transaction happened XX/XX/2018. He sent a login to the account and when I tried it, it didnt work. While I was testing the accounts, he blocked me on XXXX. I went on my backup account and asked for the login and that if he is scamming he is wrong for it. After he read it, he blocked me on that account to. I wish for my {$65.00} back from this scammer and I have his PayPal email if needed.
Consumer complaint received 2024-08-24
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX went to dealership and they put more inquiries on report
Consumer complaint received 2018-09-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I settled my Wells Fargo Card for {$5600.00} whereas they are failing to acknowledge my payment and misreporting to the credit bureaus, I have all proof of payment my bank statement which also includes the payment made to them a month ago, I am not able to buy a house due to this, they call me up after a month and are like we haven't received your payment whereas I have all records and a letter sent out by them that I have cleared it.
Consumer complaint received 2018-07-10
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: Lone Star Credit Co. Inc (TX)

I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals Ninth Circuit , No 00- 15946, XXXX vs. XXXX XXXXBy allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX  HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. XXXX AND XXXX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH XXXX   AND XXXX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. Consumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR OSCAR SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED. 
It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I wrote to TransUnion credit reporting bureau ( see attached letters and proof of certified delivery ) informing them of the incorrect reporting of an account that is unknown to me and that they were reporting both inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed TransUnion that I have attempted to contact this company but the contact information stated on my report is incorrect. I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This has been over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. I have received NO response from TransUnion regarding my dispute and the non compliance of the collection agent although I have sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. Both TransUnion and XXXX XXXX  XXXX XXXX XXXX have failed to comply within the 30-45 day time frame to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.
Consumer complaint received 2024-08-24
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. (MO)

I have contacted the credit Bureaus about inquiries that I didn't authorize on my consumer report and I called and requested for all XXXX Bureaus over the phone to have them removed. Upon checking my consumer reports I see the inquiries still reporting on my credit report and they haven't been removed I do not have a open account with any of these inquiries I want them deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX experian XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX = XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX installment XXXX experian XXXX XXXX XXXX XXXX This is a list of the names of the creditors, the dates of the inquiries and the Bureaus that are reporting the inquiries that I didn't authorize I have contacted each consumer reporting agencies to delete these inquiries but it hasn't been completed as of today 's date of XX/XX/2024
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX .bal {$0.00}, XXXX XXXX XXXX XXXX bal. {$5900.00}, XXXX XXXX XXXX XXXX bal. {$150.00}, XXXX XXXX XXXX  XXXX {$0.00}. please remove these inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX