davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

The company Enhanced Recovery Collection XXXX XXXX XXXX XXXX fl XXXX tel XXXX put a collection on my credit report for a bill {$120.00} on XXXX  Causing my credit report to drop 74 pt. 
This bill they are collecting has no notice, no particulars, no date whatsoever.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX | DOB :  XX/XX/XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, PA. XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification 1. 
XXXX XXXX XXXX XXXX Unverified Account 2. 
SOUTHWEST CREDIT SYSTEMS XXXX**** Unverified Account 3. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Unverified Account 4. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX
Consumer complaint received 2020-03-20
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. (WI)

There are 3 inquiries on my Equifax report that I did not make. I contacted Equifax ( see attached ) and explained this to them and they refuse to delete this information from my file. The 3 inquiries that should be removed are : 1.  XXXX XXXX XXXX 2. Equifax XXXX 3. XXXX XXXX XXXX XXXX  XXXX I do not recognize and did not authorize these inquiries.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I've submitted dispute letters to XXXX  and Equifax and to date I have not received any response back from them in the mail. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. My disputes were sent early XXXX and my Demand an comply this month. I demand these items be removed from my file because at this point its a violation of the FCRA
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In XXXX of 2019 I contacted Carrington mortgage because I had been injured & unable to work. I stressed to the agent I spoke with that I had the funds to make the payment for XXXX, however i was interested in a payment arrangement for that month to ease the financial burden. I specifically asked if the arrangement would be noted as a late payment on my credit report and was told that it would not. I paid the arrangement as agreed & found later that this was reported as a late payment. I contacted Carrington & was told that they would not change the notation for XXXX, even though the arrangement was paid as agreed.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (TN)

All the items were returned after asking 4 months they finally sent a shipping label yet the service was discontinued and they kept right on billing me I call numerous times with this complaint but they stop replying then put it on my credit report and I called them yesterday but we're told they are in XXXX and only two people are working so i ask to speak to an XXXX customer service agent and they left me on hold and after XXXX min another rep from XXXX got on the phone and said the same thing.these people are scam artists
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my report
Consumer complaint received 2019-02-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (KY)

I have been trying to contact this company I can not get anyone to talk to me. I need money for a payment to be able to take XXXX XXXX  & XXXX. I have paid every two weeks for 10 weeks now XXXX for a very small loan. I have been asked to make this amount of payments until XXXX. This company is ripping people off that work hard everyday.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

To whom it may concern : As XXXX  XXXX  in New Jersey During this COVID-19, we are having a financial hardship to pay our mortgage as our XXXX  were abruptly forced to stop doing XXXX XXXX XXXX XXXX  and XXXX XXXX and XXXX  are not cutting for us. 

Our motgage company name Mr.Cooper is not willing to work with us, when called them they threatened us to report to credit bureau and are suggesting that they do not have any plans as of yet to put halt on our mortgage payments. 

During this process, as struggling XXXX XXXX we want to make sure that our credit stays intact, as to rewstablish our XXXX  when this scare is over we will need all the resources available to us to start our XXXX  again. 

Please help us defer our mortgage payments through this company, as most of the lending companies have already done this. Your help is much needed. Thank you.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My name is XXXX XXXX XXXX XXXX XXXX, my father is XXXX XXXX XXXX. Portfolio Recovery Associates is continuing to report an item on my credit report ( s ) to XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXthat is not mine. I have never opened an account with XXXX XX/XX/XXXXor Portfolio Recovery Associates. I have made several written disputes with Portfolio Recovery Associates and XXXXXX/XX/XXXX under Section 609 of The Fair Credit Reporting Act which requires both of them to produce specific items, including but not limited to authorization to pull credit reports and copies of contracts and/or agreements. As of the submission of this complaint neither XXXXXX/XX/XXXX nor Portfolio Recovery Associates has complied with my request in violation of Section 609 of The Fair Credit Reporting Act. I am once again attaching specific notices under Section 609 FCRA that REQUIRES XXXXXX/XX/XXXX and Portfolio Recovery Associates to comply with. They can not comply with this notice under Section 609 FCRA because I did not have an account or agreement with them.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Equifax is stating that they have verified a collection on my report with XXXX XXXX XXXX DBA XXXX   but they haven't actually provided the information needed to verify it. I am not aware of this specific collection and they refuse to get original invoices from this company.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-27
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. (CA)

On XX/XX/18 I went to the convention XXXX  XXXX in XXXX XXXX. When I approached the XXXX XXXX booth, they invited me to try an under eye cream called XXXX that erased wrinkles. I was impressed : within 5 minutes my under-eye was smooth. They said if I bought their XXXX infrared skin device, they would throw the cream into the deal. I never saw a video or a complete demonstration of the device as the merchant later insisted I had, but I was told how I could use it. I purchased the XXXX XXXX cream for {$1100.00}. 

I was never informed nor were there any signs or indications around the booth that their products, including the XXXX XXXX, were non-refundable. I also could not plainly see this no refund policy on the XXXX computer screen where I signed my name. Had I been made aware of this no-refund policy, I would have thought twice about purchasing. California law ( Title 1.7 Consumer Warranties, California Civil Code 1790 ) states, Stores that do not acceptreturnsmust clearly display their policy. ... If a store violates thislaw ( CaliforniaCivil Code section 1723 ) by not clearly displaying their limited or noreturnpolicy, you canreturnthe purchased item with proof of purchase for a fullrefundwithin 30 days. 

Upon opening the the XXXX XXXX package and reading the instructions inside, I discovered a list of contraindications that included my health condition. I immediately contacted the merchant. I was told that since I opened it, they could not refund me as it was a medical device. At the time of the sale, it was never explained to me that this was a medical device, nor was there a medical professional at the selling booth. The packaging reads beauty device. I explained that I couldnt have known about the contraindications unless I opened the package and read the instructions. The merchant still refused to give me an address to which I could return the device and receive a refund. He claimed he was only a distributor with no return address. He denies my claims and refuses a return address ( the address associated with his phone number is a storage facility in XXXX XXXX. ) He said the manufacturer would only receive defective merchandise in order to repair it. 

In addition, the XXXX cream that I received as part of this purchase had no affect, and certainly not the dramatic effect I had experienced at purchase. It was not the same cream. 

I disputed this purchase with Citi Double Cash Card and submitted all the documentation they required within their time frame, including proof of XXXX XXXX return to the manufacturer, and they still refused to provide credit. They sided with the merchant 's no return policy. Now I have no product and no credit. Citi certainly doesn't advocate for the consumer!
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MO)

I settled and paid this debt on XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX. It reappeared back on my credit report dropping my credit score, as well as XXXX  XXXX sending or selling account to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$160.00}. This account is also showing an inaccurate amount for the credit limit that was given to me the Credit Report. I informed the credit bureau, the creditor and the collection agency of this and have asked them to remove this inaccurate account.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (AZ)

I open a credit card with Wells Fargo, the primary is my partner, Iam the secondary in the account, however I do have a POA for the primary in the account. 
In the summer of XXXX I received a balance transfer offer with XXXX interest rate for 18 months. From the beginning I notice that they were charging me interest rate on the transfer balance, I call them every month for 3 consecutive months, I stop, and I said to myself, before paying the bill I will talked with them about their rate offer violation, I was still using the card and paying off all new purchases every month. The interest I was receiving in my statement was all balance under the interest rate. Comes XX/XX/XXXX and I wanted to pay off the balance because that was the promotion offer, before paying off I went to a Wells Fargo branch and talk with a Customer Service, he said that it was a violation of the promotion and he open a claim, and I truly believe that it was going to be resolve, 10 days later, I received a XXXX envelope with a letter saying that it was not a violation of the promotion. 
The interest rate that I pay to them is in the surrounding of XXXX to XXXX dollars.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (IN)

A thief has intruded on my XXXX XXXX card twice and stole out of both times, second time recognized me at a store after he had charges filed for stealing my card then the money off card ilived on XXXX XXXX in XXXX indiana XXXX area wen card then was changed to another addy then funds were removed. inever knew about fraud thru alerts or anything till i called to find out where disabilities monies didnt get placex on card on day was supposed to be deposited. Come to find out they tried to gather and change all my mailing info and then passwords. This was possible as they stole mine and spouses id 's and social sec cards and birth certificates. The only thing didnt have was pin numbers. But as the theft happened the second month i found out the pin was somehow bypassed. XXXX   XXXX tho has police report from XXXX district of the Impd fraud unit. XXXX   XXXX took longer then the 90 days allotted and then wen i called quickly sent letter after my inquiry that no fraud took place to avoid admitting they had no security that a person intruded and changed my account. They never investigated and then i lost home and bills sky rocketed as i cldnt pay bills like i did every month. I never got my money back so basically they robbed me a third and fourth times.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Im writing regarding your recent response, stating that the following companies, reporting the following alleged data, have, in FACT, been VERIFIED which is IMPOSSIBLE since frivolous data is unverifiable. Im making a final goodwill attempt to have you clear this matter up immediately because the following listed data is entirely inaccurate, incomplete, and represents a VERY SERIOUS ERROR in reporting on your part. Once again, the data in error are as follows XXXX XXXX- not mine fraud XXXX - not mine fraud XXXX XXXX  XXXX Not mine fraud XXXX XXXX - not mine Considering the above, please be advised that a detailed description of the procedure in which you used to determine the 100 % ACCURACY AND 110 % COMPLETENESS of the data provided ( including all 67 fields of required data in Compliance with METRO 2 STANDARDS ) for the accounts listed above, is hereby requested to be provided within fifteen days of the completion of your re-investigation date.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your agency was required by federal law to verify, via PHYSICAL VERIFICATION any and all account data that youve posted to my credit report. And therefore, since youre claiming that all of the above data has been verified, then I must demand to see an official copy of EACH document used to verify this account, particularly any contracts and/or purchase receipts bearing MY signature, and showing that I have a legally binding contractual obligation to pay the EXACT amount claimed, or ANYTHING AT ALL for that matter, ALONG WITH ( 1 ) the Name, ( 2 ) the Address, and ( 3 ) the Telephone numbers of each person you contacted in regards to the above alleged account data and whom will be responsible for these errors.

Any AUTOMATED responses are UNACCEPTABLE. So I am requesting both a Reinvestigation AND your METHOD OF VERIFICATION per Federal FCRA Law. Per the FCRA, unverified accounts MUST be removed, and in the event that you do not and can not provide this information EXACTLY as requested in this letter ( including your Method of Verification ) per my consumer rights, then I must formally request that these negative accounts OR the negative data attached to them, be immediately, AND PERMANENTLY, removed as disputed & requested above.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (CA)

A collection account appeared on my credit reports in XX/XX/2018. I sent Security Credit Services a letter on XX/XX/XXXX ( which they signed for on XX/XX/XXXX ), asking them who they were collecting for and that I would like to see validation of the debt they are reporting. They contacted credit bureaus of my dispute ( as I watched the dispute comments hit my reports ). But they FAILED to send me ANYTHING in reply to my request. They have seriously violated federal and state laws with their lack of response within the 30 days allowable by FDCPA, FCRA and Metro 2 compliance laws. ****ADDITIONALLY, THIS COMPANY IS REPORTING THAT I MADE PAYMENTS TO THEM IN XXXX AND XX/XX/2018. I MOST CERTAINLY DID NOT MAKE ANY PAYMENTS TO THEM. THEY ARE IN GRAVE VIOLATION OF MANY LAWS WITH THEIR INACCURATE, UNVERIFIABLE REPORTING. I am requesting that they immediately REMOVE this reporting from my credit reports and not sell to another collection company as they have not validated this debt.