davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (UT)

OUTSOURCE RECEIVABLES MGMT continues to report a debt that was involved in fraud and identity theft. They continue to report to credit reporting agencies a debt that was involved in fraud and identity theft. I have given them the valid police report number that they can retrieve from the XXXX XXXX Police department. They failed to retrieve the police report documentation and continue to report the debt. Section 623 FCRA states information has to be 100 % accurate PERIOD and the FURNISHER has to obtain all documentation. Reporting a debt anyways that involves fraud and identity theft to the credit reporting agencies is " willful and direct '' VIOLATION of the laws governed under the FCRA. The information reported has to be 100 % accurate and 100 % veritable. A debt that has a VALID police report investigation that has not been " documented or investigated '' and a debt collector such as OUTSOURCE RECEIVABLES MGMT reporting it anyways to the credit bureaus is the reason I have exercise my RIGHTS under the laws to file a complaint again with the CFPB against this debt collecting agency. 

XXXX Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX
Consumer complaint received 2019-05-30
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. (NC)

XXXX XXXX company was included in my bankruptcy from XX/XX/2014. It was completely gone from my credit and now it has reappeared from XXXX XXXX XXXX as an open account in the amount of {$17000.00}.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEMS at XXXX XXXX XXXX, XXXX, GA XXXX or ( XXXX ) XXXX {$5900.00} to {$1900.00} Since 2014 I have been charged an enormous amount that a debt buyer purchased without a thorough investigation. I have been calling a couple of times per year to get this resolved with no avail. A dispute with XXXX was recently modified but no actual changes to the amount was completed. The apartment complex actually sent me an email and tried to reach out to national credit system but XXXX wasn't trying to mitigate the situation. I reached to speak with him several times. The last time he placed me on a 45 minute hold when I asked to speak to a supervisor. The amount should be corrected.
Consumer complaint received 2019-05-30
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I called the debt collection agency ( Professional Collections Bureau of Maryland ) on XX/XX/XXXX to make an offer to settle my debt. I gave them my available hours and asked them not to call me during work. I attempted to contact them and negotiate on XX/XX/XXXX, XXXX, and XXXX I did not receive a counter offer or payment options at any of these days. On XX/XX/XXXX the agency attempted to call me during my work hours. On XX/XX/XXXX I returned the call in order let the agency know that they called during my work when I had requested that they do not call and tell them when I would call them again. Later on XX/XX/XXXX the agency again attempted to call me during my work hours. Today, XX/XX/XXXX I called the agency again and received the first counter offer which was greater than the initial borrowed amount. I called a second time on XX/XX/XXXX to discuss a payment plan during this conversation they discussed the additional fees that they would charge during this process and refuse to give me an acceptable minimum regular payment without information on my income ( My current contract of employment expires this month and I do not have regular income going forward ).
Consumer complaint received 2019-05-29
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. (NV)

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my XXXX XXXX tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that  XXXX  was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2019-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

***CRIMINAL INTENT TO DEFRAUD BY NATIONSTAR ATTORNEY***NATIONSTAR IS REFUSING TO ACCEPT PAYMENTS ON A LOAN THAT IS CURRENT*** We spoke with XXXX XXXX @ XXXX in Customer Service escalations and we also spoke to XXXX XXXX in XXXX Texas . BOTH confirmed that Nationstar put a " code 91 '' on the file ... AN INTERNAL INSTRUCTION TO REFUSE TO SERVICE THE LOAN in direct violation of Federal Law. They claim to have an attorney handling it but the Attorney never returns phone calls .... THEY ARE TRYING TO STEAL THE HOME AND DEFRAUD THE FEDERAL GOVERNMENT ... An update on this case We have the mortgage broker admitting loan origination fraud making everyone else guilty of intentionally misleading the Senior citizen victim. Attached are an updated list of additional violations. Retaliation is illegal. The Victim is simply enforcing their consumer rights .... PLEASE HELP .... THIS IS HOW THEY ARE STEALING HOMES .... FRAUD .... NATIONSTAR INTERNAL CODE 91 A REFUSAL TO ACCEPT THE XX/XX/2019 PAYMENT IS RETALIATION FOR FILING A LAWSUIT PLEASE SEE CASE # XXXX XXXX XXXX IN XXXX COUNTY THESE CRIMINALS ARE GUILTY ... GUILTY ... GUILTY ... AND ADMITTED IT
Consumer complaint received 2019-05-30
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. (AZ)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-05-30
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. (AR)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/19 I discovered that my Chase Business Account was being closed. I called into their customer service number, and they mentioned a " letter '' was mailed to my mailing address to inform me that they needed more information from me back in XXXX. 

When I asked what letter the representative could not tell me what letter. When I asked if it was so important why did they not email me? 

Chase rep replied : Because this type of letter needs to be mailed and only done through mail. 

I replied : I did not get such letter, why did you not send an email to me saying that a letter was mailed out? 

Chase Rep Replied : Because we can't do that sir, this letter only can be done by mail I then asked : Then why did you not notify me, the numerous times I called in between XXXX and Now for other reasons such as debit card blockage from your fraud detection system, why does your rep not bring up the fact that you needed me to show up in a branch or to fill out this really important letter if I failed to do so you would just close my account without notice. 

Chase Rep Replied : We gave you notice sir, a letter was mailed out in XXXX XXXX Clearly -- -- this is a very terrible business practice. I did not receive any letter from chase stating that they needed me to show up to a branch, or to give them any additional information. 

I have been with chase for over a year, and deposited over a XXXX dollars into this account. This sudden freeze and closure on XX/XX/XXXX was so abrupt that it will cause a delay in pay for ALL OF MY EMPLOYEES. They all have RENT TO PAY and families to feed. In addition to that, this will severely cripple my business as I am in the vacation rental business and have to pay for leases on multiple properties. 

___ After all this I asked how soon will I get my check. They said between 7 - 10 business days!!!!!! How is this fair to me as a consumer with this abrupt closure at the end of the month ... and to wait 7 - 10 business days? This is all my money which I need to conduct business, pay bills, pay employees  etc ...
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2019-05-30
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (UT)

During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX  XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, LVNV Funding LLC, supposedly acting on behalf of XXXX XXXX, XXXX, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you. 

Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there. 

I have copies of the correspondence sent to both LVNV and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.
Consumer complaint received 2019-03-09
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: SYNCHRONY FINANCIAL (IL)

I try to get a hold of Syncb Inquiry but the number listed is disconnected. I did not initiate a request from them and don't even know who they are. this was a Inquiry from XX/XX/2018 2018
Consumer complaint received 2019-05-30
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)

There is this account on my EXPERIAN credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with Experian and XXXX also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked EXPERIAN and XXXX for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AZ)

I have mailed letters to each creditor on my credit and not one agency sent me prove it was my debt, not one agency could verify my signature to the debts because they do not have it. I requested them to be removed and they are still reporting.
Consumer complaint received 2019-05-30
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: EQUIFAX, INC. (MA)

There is this account on my XXXX credit report that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX  for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CT)

I have a Cash App account and on XX/XX/XXXX, I noticed multiple unauthorized transactions were made from my account to XXXX XXXX ads in the amount of {$1100.00}. I am not a XXXX XXXX subscriber, and I tried to get help from Cash App to resolve this issue, but you can only reach them by email. I have made numerous attempts to resolve this issue, but no one is responding. Unfortunately, there is no way to contact Cash App via telephone to talk to a live contact support person. 
. 
i am upset because I need to pay my bills and I was let with only {$5.00} to my name in my account. 

I just want the funds returned, so that I can transfer the funds to a more safe accoujnt.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (GA)

I have been going back and forward with CASH APP about a charge back onXX/XX/XXXXfor XXXX I was told " We opened a dispute claim with the card network because the merchant forced your Cash balance negative when the transaction captured initially. Based on the details provided by the merchant, they awarded the claim to the merchant. '' But the merchant provide me with poof that they sent the money back to cash app now cash app is saying its nothing they can do.
Consumer complaint received 2019-02-23
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. (FL)

The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.
Consumer complaint received 2019-02-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX Equifax and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor Equifax, XXXX or XXXX have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not e-oscar used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/2018, the day before my mother died, I made a purchase in the amount of {$100.00}. Due to the stress and attention required to settle my mother 's estate, I was three days late paying the amount in full. I asked for leniency due to the circumstances. I continued to ask for late fee to be reversed ; I am now being charged fees and interest on that original late fee. I am getting at least a half dozen phone calls a day - which I consider harrassment - from XXXX XXXX. I paid the balance I owed. They could very easily have forgiven the original late fee. This was a new account and I only made this one purchase with it.