davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
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: EQUIFAX, INC. (MA)

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the  original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time XXXX  has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I'm writing to express my extreme displeasure with the processing of our loan over the past few months. Our loan process started back in XXXX when we were pre-qualified for a loan on the purchase of a new home. After not hearing from anyone till about 3 weeks ago, I contacted the loan processor to check on our loan and he advised me to email the loan officer to check the status and to get an update. I never heard from anyone till last Friday, XX/XX/XXXX. The processor called and said we needed to get paperwork in asap and I got on that within hours of him contacting me. Then on Monday I was advised that we had to get certain paperwork in or we could not close on XX/XX/XXXX. Penfed knew our closing day was XX/XX/XXXX and that everything needed to be in so we could close and yet I was informed on Tuesday that one paper was not filed on Monday so we could not close on XX/XX/XXXX. Isn't it a requirement to stay in contact with us in a certain amount of time? Reg Z I believe explains the expectation. I'm pretty sure that has been violated during this loan process. So we were going to close on the XXXX and move our stuff into our new home over the weekend. We even had family coming with trucks to help move and now that can not happen because of someone dropping the ball at Penfed. We now have to have our movers move more stuff, which will cost us more money and we have to rent another truck to make up for the fact that our family can not come on Sunday. If I was not clear at the beginning, I'm extremely disappointed. Penfed needs to make up for this in some way as this is entirely your companies fault that I now have to put out more money for my move and now am extremely stressed out due to no fault of my own. I feel that Penfed should pay for our extra costs we are incurring and give us a lower rate or pay our closing costs to make up for this problem.
Consumer complaint received 2024-11-15
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. (SC)

In accordance with the Fair Credit Reporting act Convergent account name XXXX, account number XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX states. A consumer reporting agency can not furnish a account without my written Instructions.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital/XXXX, as well as, a collection agency by the name of XXXX XXXX XXXX XXXX XXXX. 

Comenity Capital has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. 

The account ending in XXXX was paid in full several times, but Comenity Capital kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. 

As my attached statement shows, I owed Comenity Capital {$62.00} as my total balance on the account in question as of XXXX of XXXX. 

I made payments to Comenity Capital in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What Comenity Capital has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, both Comenity Capital, and XXXX XXXX XXXX can contact the Consumer Financial Protection Bureau, the Bureau can contact me. 

I want Comenity Capital Bank, and XXXX XXXX XXXX, to cease and desist from contacting me again, about their fraudulent debt. 

XXXX XXXX XXXX just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of Comenity Capital Bank without contacting me.
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2020, I have wired {$37000.00} to XXXX XXXX to Capital One Bank, Members Account number : XXXX from my bank XXXX XXXX XXXX XXXX. Capital One bank did not deposit the money into XXXX  account. On XXXX XX/XX/2020, the XXXX told us the bank is refusing to deposit the check into his account. On XXXX XX/XX/2020 at XXXX, I have called my bank XXXX to see if Capital One bank has returned my wire and they did not. On XXXX XX/XX/2020, XXXX went to his branch in Texas and spoke to the compliance team thru the bank manager and put some documentation to return the wire to the sender ( me ). On XXXX XX/XX/2020 Capital One told XXXX they are ready to return the wire and but they need an official request from my bank ( XXXX ). On XXXX XX/XX/2020 XXXX reached out to Capital one again and Capital one told my bank that they have reached out to the third party. On XXXX XX/XX/2020, XXXX ( XXXX XXXX XXXX ) sent a notarized letter to Capital One Bank and I have sent that letter to XXXX as well. On XXXX XX/XX/2020, I called Capital One bank and talked to a Manager named XXXX and she told me she wants XXXX to call them with me at XXXX. XXXX made many calls to his bank and visited them as well without any luck. Somewhere from XXXX XXXX, The XXXX and I, we talked in length with Capital One security in XXXX VA. The Security Officer told XXXX they will close his account and do not want to do business with him. My bank ( XXXX ) has sent many request to Capital One bank to return the funds but no answer from Capital One. On XXXX XX/XX/2020, I wrote a letter to the President of Capital One bank with a return receipt. They received the letter ( return receipt ) and to date I have not received any answer from them. I have attempt to call Capital One Bank many time with no luck. Same  with XXXX. I also visited local Capital One bank on XXXX XX/XX/2020 and came out with a XXXX XXXX  with a Market Manager XXXX XXXX at XXXX VA. 

The Capital One Bank send a response to my complaint filedCapital One CID : XXXX and CFPB Complaint ID : XXXX. They gave me POCs name and number for my bacnk and me to call Her. To date they have not respondend to ur phone calls. Capital One also made untrue statement of my letter to XXXX XXXX stateing " As previous advised in response to an email you sent to XXXX XXXX ( CID XXXX ) were unable to discuss a Customers account or details regarding an account. However, we can confirm were unable to return the funds to you until we receive a Hold Harmless Letter ( HHL ) from the originating bank that sent the wire. I confirmed that as of XX/XX/2020, this letter has not been received. We advise reaching out to your bank to have this completed. '' Capital One did not give me an email address where to mail or fax the letter. I am very confused as they have caused me so much of the damages.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.
Consumer complaint received 2020-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

I PLAN ON FILING A REMMISSION CLAIMS ON WWW.MONEYGRAMREMISSION.COM ( WHAT IS TAKING SO LONG? I HAVE {$47.00}, XXXX IN REFUND TOTAL. I NEED MONEYGRAM TO DOUBLE CHECK ALL OUTBOUND WIRE TRANSFERS MAKE FROM XXXX IN MY NAMES AND SS # XXXX DOB XX/XX/XXXX.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # XXXX : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

By law this company is supposed to provide a letter or notification of debt. I have 30 days by laws to dispute. This company never provided notice of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-26
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (FL)

I have filled for Florida unemployment and I didn't know when I filed I signed up for the Way2Go debit card. I was given Way2Go 's number but in order to access my card I need to have a PIN number. Since I didn't know I initially signed up for it, I don't have any PIN number or information of the card. I would like to be sent a new card, so I obtain access of my account.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renew Financial Holdings Inc (PA)

This company took over the servicing and collection for the loan on our furnace. The company refuses to provide written monthly statements despite our request. Their web site is horrific to navigate to figure out how to log in. We are getting dinged for late charges due to the fact that we do not receive monthly statements on this account. This account was always current and actually paid ahead until this company took over. I have never dealt with a creditor that just outright refuses to send monthly statements on an account.
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In several phone calls to their office this month, I spoke with different associates trying to get a settlement with what the representatives said is a debt with Capital One credit card, and they are unreasonable, aggressive, and unrespectful. 
I offer to discuss the settlement several times -including today with who said is a Manager, XXXX- and he kept asking for my bank account and routing numbers to discuss a settlement. 
I am trying to do the right thing here, settling debts in the difficult moments that personally, and in the actual situation, we are all suffering. However, I do not consider giving my bank account information to somebody in XXXX to make my situation better. 
Appreciate the time and attention to this matter and give a reasonable settlement that my family can afford.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i notice inaccurate and incomplete items on my account from XXXX, EQUIFAX, AND XXXX  and sent them dispute letters regarding the negative items they are reporting on XXXX.i haven't gotten any response thus far with those companies and i also attached copies of the letters below.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

On XXXX XXXX, 2020, I disputed the information provided to Experian by XXXX XXXX, serviced by XXXX XXXX. At XXXX XXXX on XXXX XXXX, 2020, I received an email from Experian confirming they received my dispute. On XX/XX/2020 at XXXX XXXX, I received an email stating the dispute investigation was complete. Experian reports the information is confirmed and correct. When I went to dispute again online, Experian 's site did not allow me to dispute it again, stating they dispute was complete and I was not allowed again. Their investigation took less than 12 hours in the middle of the night. What was their method of confirming this data to be correct?! In the meantime, I have inaccurate information that is on my credit report that Experian does not allow me to dispute again. 

On XX/XX/2020 I called the contact information for XXXX XXXX XXXX listed on the Experian credit report. When I called the number, it first asked for my account number. The account has been closed for many years. I finally got through to a representative named XXXX. She was unable to look up any information in regard to my account since it had been closed for many years. She then provided a telephone number at XXXX XXXX. I spoke with XXXX and he was unable to help me since the account has been closed and the reporting is done by XXXX XXXX. He transferred me back to XXXX XXXX, which sent me back into the same loop. 

XXXX XXXX, XXXX XXXX can not even find my account information to verify or correct the inaccurate information provided to the credit bureaus. Experian investigates the dispute within 12 hours and verifies this inaccurate information that XXXX XXXX and XXXX XXXX can not even find. 

My credit score is adversely affected by the misinformation provided by either XXXX XXXX or XXXX XXXX or both. Experian falsely reports and falsely verifies false inaccurate information.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX incorrectly reported an account from XXXX XXXX as in collections that was paid by the NY Department of Social Services in 2014. I paid back social services and several collection agencies tried to collect on this paid bill years ago, I reported to CFPB and the collections agencies dropped the collection and credit bureaus removed from my reports and CFPB reported to FTC. Here it is over 6 years later and during a world wide pandemic and XXXX XXXX services has the horrendous objective to falsely state I owe a debt that was paid without any type of fact checking or contacting me by mail. The 3 credit bureaus just let this appear on my reports without any fact checking, how is this fair or legal?
Consumer complaint received 2020-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (MO)

Americollect has placed an account on my credit reports in the amount of {$52.00} for an original lender of " XXXX XXXX XXXX XXXX '' it appears to be a medical debt that I know nothing about and I was not provided with any communication in reference to this account nor able to request a VOD or a payment arrangement before Americollect started damaging me credit. If I received services what were they, when were they, what were they for, and were they billed properly through insurance, and if so was I ever offered an arrangement and why would the account type be NOT REPORTED and what type of credit limit do I have with them? I have received NO WRITTEN COMMUNICATION FROM AMERICOLLECT and the first attempt for them to reach me is to damage my credit