davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

This company received the attached letter and check where it was explicitly expressed that they were only to cash the check if they agreed to delete the account from the credit report. 
CBE did cash my check and continues to report the account on my credit report still as an unpaid account.
Consumer complaint received 2017-06-19
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. (GA)

XXXX   XXXX   is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that   XXXX   XXXX   is reporting on my credit report. If   XXXX   XXXX   can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to   XXXX   XXXX   in regards to this issue but have yet to receive a response.
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  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , PA   XXXX   This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
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I demand the following account be properly verified or removed immediately.
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NameofAccount : Date Reported : ProvidePhysicalProofofVerification :   XXXX   XXXX    {$46000.00}   XXXX   XXXX  , 2011 Unverified Account
Consumer complaint received 2020-10-27
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. (MO)

Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX {$6800.00} 3. Dept of ED/XXXX {$10000.00} 4. Dept of ED/ XXXX {$5800.00} 5. Dept of ED/ XXXX {$10000.00} 6. Dept of ED/ XXXX {$4500.00} 7. XXXX XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MS)

I had all of my student loans consolidated in XX/XX/XXXX, but Fed Loan Serv keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (DE)

i whole heartedly disagree with lvnv fundings response to my compliant. Lvnv funding can not prove anything. Account statements and a card holder agreement is not enough proof to collect a debt. i am requiring for lvnv to provide a contract that bears my legal signature that obligates me to even pay this debt. I am requiring for them to provide any internet Ip addresses that proves i initiated anything. the supreme court has ruled that account statements is not considered adequate in debt collection processes. Anyone can fabricate a statement of accounts, any one can get a card holder agreement online. Where is the actual proof this account belongs to me. Also the record should state that the lawsuit was not dismissed because of an expiring statue of limitations. The law suit was dismissed because of lvnv funding inability to provide the necessary documentation that i requested proving the validity of the accounts in question. the lawsuit was dismissed because they could not provide any legal proof! the statute of limitations expired after the case was dismissed. Futher more missing from the information they provided is a bill of sales proving they purchased this alleged debt, A transfer of ownership, any witnesses that appeared during the transfer, and proof they can collect in the state of Delaware. This is information they must legally provide. 

i am asking for : XXXX. ) a contract that bears my legal signature proving i owe this debt XXXX. ) Any internet ip addresses that can be tied to me XXXX. ) bills of sales agreement showing the purchase of the debt XXXX. ) transfer of ownership XXXX. ) witness statements that this debt was actually sold XXXX. ) proof that they can collect in my state CFPB please be advised that i will start the litigation process and will use this information as proof against lvnv funding.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX Equifax Information Services LLC, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, Texas XXXX Equifax Information Services LLC, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A. (FL)

Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from Citibank. This was the first time I was notified of this and right now, I am unemployed, so I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in  XXXX   XXXX   XXXX , Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc. (TX)

Knowledge of the final debt from the Apartment complex was received through a credit monitoring vendor. I never received written communication from the apartment management company stating this was the final debt. In addition, this file was provide d to BLAKELY-WITT & ASSOC INC i n  XXXX   2017  and I received NO notification and opportunity to dispute or validate this debt. As a matter of fact, I have yet to receive a written statement or written notice. The entry in my credit report should be removed and the process should start again. I will dispute the charges from the original creditor  XXXX  of  XXXX   XXXX .
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Bank of America says a system error caused them not to post XXXX, XXXX, XXXX and XXXX payments to my mortgage. {$3100.00} was sitting in a " limbo '' account. Bank of america never telephoned. Emailed or sent me a collection letter but had nerve to send someone to my home on XX/XX/2020 to leave a door hanger on my door to call Bank of America. They also reported to the credit bureaus that payments had not been made those 4 months
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (CA)

While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB/AMAZON XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (TX)

On XX/XX/20 I sent a letter to CKS Financial requesting that they provide me proof of the alleged debt I owe, by providing the bearing of my signature, a copy of the contract stating I own this debt, the name, address and telephone number of the person who verified this debt. They failed to provide the requested information to me in a timely manner. When they did respond, the only thing they sent me was a brief summary balance. But no proof indicating I own this debt. 

Account # XXXX
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Other Accounts Equifax # XXXX XXXX XXXX XXXX XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2020-09-22
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. (VA)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (CA)

I had  2  pay day loans from  2  different companies and paid  1  off because they threatened to get a judgment against me and garnish my wages. So i made  5  payments and on the final  1  they waited almost a month to get back to me and stated that the reload it card I sent was invalid and that I had to send another payment And on the other pay day loan same thing but I have only made  1  payment. Ahould I continue to make the payments. And can they garnish my wages
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

I applied and was approved for a Costco Citibank Visa card on XX/XX/XXXX. By XX/XX/XXXX I had not received the card and called Citibank. They told me the card had been delivered by USPS on XX/XX/XXXX which I didn't receive -- and they could provide no proof of delivery -- so they promised to send a new card by XXXX  arriving by XX/XX/XXXX. When that card didn't arrive I called Citibank customer service back who admitted a card was never XXXX 'd but would be sent by USPS arriving by XX/XX/XXXX. They claim due to an internal policy they are unable to XXXX  a card. Over one month and the account is not functional as the card was never received. Meanwhile Citibank has exploited my personal financial information, including my credit reporting, for a card that was never functional. Customer service offers no remedy or solution other than to refer to the terms and conditions.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-17
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. (TX)

I previously sent letters certified mail to the credit bureaus to show me how collections are mine, I asked them to show me proof of signature and original contract showing that these debts were mine. I also asked them to send me the proof said company sent them. Still I have received nothing yet, the inaccurate debt is still showcasing on my account.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MD)

Attached to this complaint are XXXX pages:1. Shows the investigation completed by Experian for Report Number XXXX. 
2. Page XXXX shows a XXXX XXXX account listed under " Potentially Negative Items '' 3. Page XXXX shows a XXXX XXXX account listed under " Accounts in Good Standing '' PAGE XXXX and PAGE XXXX ARE THE SAME ACCOUNT AS REPORTED IN ALL OF MY EMAILS, CERTIFIED LETTERS AND CFPB COMPLAINTS!!! 

THIS IS ILLEGAL AND FRAUD!!!
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-04-27
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)

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX