davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (AZ)

I previously filed a complaint and this debt collector provider my medical information/documentation as " proof ''. This is a complete violation of my HIPAA rights. I did not authorize this company to gain possession of my medical information. Also, if this is " debt '' that is mine, it is with the original creditor and not Medicredit. If Medicredit purchased my supposed " debt '' from the original creditor, it is now considered paid.
Consumer complaint received 2022-02-01
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. (LA)

In XXXX of 2021 I began going to XXXX XXXX XXXX as recommended by my doctor. I received XXXX bill from them sometime in XX/XX/2021, I suppose after they had charged my insurance. I went online to pay the bill but their payment portal was giving me issues. I called the location and, in turn, they had to call another location for assistance. I was then informed that they do not take online payments. After that call, I made several attempts to pay by cash at ghe location but was told they do not accept cash, by phone via credit card but something was wrong with their system, etc. I was supposed to get a call back but I suspect it slipped the mind of the receivables department. It also slipped my mind. I never received any other correspondence from the company. I then thought about it either XX/XX/2021 or XX/XX/2021 and went to the location to pay and was told that it had gone to collections. I was goven the information on the collections agency. That is when I found out that that agency has already reported the account to the credit bureaus. I had received to communication from the agency at all nor any communication from XXXX XXXX XXXX since XX/XX/2021. The bill was for {$280.00} originally. I pay my bills and would had no issue paying this one either. The {$420.00} includes a collection fee of approximately {$130.00}. I called the collection agency to pay the fee after having a conversation with the representative on the account. He stated to me that if I paid the agency would remove the account from my credit report. I asked for that in writing but was told that the agency doesn't have to do that and that I would just have to take their word for it. This seems like bad practice all the way around fron the XXXX, to XXXX XXXX to the way the credit bureaus ( Experian and XXXX ) handled the whole thing. This issue dropped my score from over 800 to mid 700s and now I have a derogatory mark on my report for nothing.
Consumer complaint received 2022-02-01
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: WELLS FARGO & COMPANY (TN)

On XX/XX/2021 I received a notice of suspicious activity on my card. Someone had spent {$950.00} at an online sportsbook called " XXXX XXXX XXXX '' This charge also came with an {$47.00} cash advance fee. So a total of {$990.00} was debited from my account. 

I called Wells Fargo to dispute the charge. While on the phone with the agent the Wells Fargo agent called a number associated with " XXXX XXXX XXXXXXXX '' and the sports book admitted they had suffered a breach and my charge was fraud. 

I was told the charge would be refunded within 5-7 days. I reminded then to include the {$47.00} cash advance fee. 

The fraud charge was never resolved. It remained on my account for months. I called continuously ( at least 6 times ) and each time I was promised that the charge would be removed in 5-7 days. 

I started getting late fees and interest charges. Each time I called the representative would refund the late fees but this still hurt my credit. 

Finally, in late XXXX the {$950.00} charge was resolved. However, as I suspected, they did not remove the {$47.00} and charged me another late fee. 

I chatted with an agent but she said she could only refund {$20.00} because of chat agent rules. I have tried calling again, but the wait is always over 45 minutes and I eventually get disconnected before reaching anyone.
Consumer complaint received 2022-02-01
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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX* XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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. (FL)

I noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXX XXXX XXXXXXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-01-31
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. (NY)

I am a victim of identity theft, the following information reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. 
Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

I recently received a copy of my XXXX consumer report and I noticed a third party collection agency listed on my consumer report. this company is in clear violation of the law. Pursuant 15 U.S. Code 1692c
Consumer complaint received 2022-02-01
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)

I had 3 credit cards with Citibank and all 3 were compromised. Since XXXX I have been trying to resolve an identity/fraud issue with them. There were over {$8000.00} of transactions that were charged to me but not made by me. After several months Citibank completed their investigation and determined the credit card charges were fraudulent. 
However, there was also a bank account that had been opened in my name using my social security number in Florida. Monies was transferred from this card ending in XXXX to a Citibank checking account. I have NEVER had a checking account with Citibank and I have NEVER lived in Florida. I have tried to have this disputed through the bureaus and Citibank will not honor the dispute, I received a letter XX/XX/XXXX saying they needed more information. THEY HAVE ALL THE INFORMATION!!! I have brought this issue up to Citibank 's executive response unit and was told that iiiiii have to call some other department and have them reverse the charges and credit my account, HOW?!?! On an account that no longer exist and has been closed. They gave me a number to call and no one can assist me. I get transferred multiple times back and forth to different departments spending HOURS on the phone with no resolution. I AM TIRED, FRUSTRATED, and FURIOUS. Their last email received XX/XX/XXXX ended with them saying they will no longer respond to inquiries regarding this matter. WHATTTT?!?!?! Meanwhile my credit score is taking a devastating hit. I need a serious intervention and hope you can assist me.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. I also added my account number on the check, proof attached. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate. 

I filed another complaint and on XX/XX/XXXX they responded saying the late payment would be removed. It was then a couple of days later reversed back to late. 

I also found out my account that is closed as of XXXX had charges that went through into XXXX that I did not approve ON A CLOSED ACCOUNT. 

THIS IS THE WORST COMPANY I'VE EVER DEALT WITH. Every person you talk to it's something different, they mess up your account, and terrible customer service!
Consumer complaint received 2022-02-01
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. (MD)

This complaint is against equifax, XXXX XXXX, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all three credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

This will be the XXXX complaint filed on this same issue. Our loan is currently in the trial stages of modification. Shell Point continues to send our statements that contain personal financial information to an address that I have never been associated with. 
When I go online to review my statement it shows the last payment in the amount of {$1600.00} but my payment was in the amount of XXXX. I have also found unexplained charges in the amount of XXXX each. What is it going to take to get Shell Point to get in compliance? Where did the balance of the XXXX go? When I try to make an online payment, their system will not let me make my trial payment. The company is trying to make it difficult to complete our trial period.
Consumer complaint received 2022-02-01
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. (FL)

Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these XXXX complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates is reporting XXXX accounts to XXXX, XXXX, and XXXX that does not belong to me! Earlier last year I contacted the XXXX bureaus, informing the about XXXX debts on my reports in the amounts of {$540.00} and {$670.00}. No action has taken place. 

Pursuant to 15 USC 1692g they are unable to validate the debt.
Consumer complaint received 2022-02-01
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. (MT)

The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( 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 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliable Credit Association, Inc. (OR)

After multiple disputes with all 3 of the CRA 'S, XXXX, XXXX & XXXX as well as the data furnisher/creditor Reliable Credit Association Inc. XXXX XXXX, WA ) all 4 of the companies has failed to provide documentation in regards to my request per FCRA 623 laws of how the alleged investigation were done. A manager from Reliable Credit sent me a letter stating that my dispute was " frivolous '' without providing any documents of how they validated their investigation. Nor was any paperwork with my signature shown to support and validate their claims that this is my account and that they are indeed reporting it accurately. 

My rights as a consumer allows me to request a written documentation along with evidence and proof of the investigation by Reliable Credit to support their claims that information is not being reported inaccurately. However no proof and/or evidence was made which allows me to believe that the data furnisher is indeed providing " frivolous '' and " irrelevant '' claims of validation in regards to multiple inaccuracies on all three of my credit reports they have being sharing illegally. 
This really is a huge concern for me and many other consumers that are being taken advantage of by predatory lending institutions as well as sub prime banks. 
An investigation in the practices and integrity of this specific financial institution ( RC XXXX ) is needed ASAP.
Consumer complaint received 2022-01-31
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. (IL)

It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, Equifax, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was given a delivery date of XXXX XXXX. I never received the first card so I called customer service only for them to send me to the fraud department for a card that was never activated. I still almost in XXXX have not received my card or anything. Capital One is making it seem as though Im just getting card randomly. I am offended and I do feel XX/XX/XXXX prejudice in this situation.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DCN Holdings Inc. (FL)

XX/XX/2022 at XXXX pm- I returned a missed call only to find that it was that of a collections agency. The company calls itself Accounts Receivable and the agent identified himself as XXXX XXXX. XXXX XXXX states that I owe a debt to a company called skyline media. He told me that I was a scam artist that I churn and burn companies. He was yelling and screaming to the top of his lungs and said that minorities are always trying to claim poverty. I was able to record all that he said with an app on my phone, he threatened to sue me and take anything that I have. He was making so many threats and screaming so irately that it caused me to have an anxiety attack. This has to stop I can not stand to see anyone else experience what I experienced today. Please help. 
I found the following information on the internet regarding this company : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : XXXX
Consumer complaint received 2022-02-01
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. (GA)

In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX  XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (IL)

The accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (VA)

My mom passed away on XX/XX/XXXX and her home loan is through XX/XX/XXXX I have contacted them several times to get added as authorize user I have provided all the requested documents and every time I call it seems to be missing documents when I have provided everything and more to get this expedited so I can be added but I keep getting the run around.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I told them about the unfamiliar inquiries I noticed and nothing was resolved, no communication no results. Their time has passed for investigation, resolution is owed now.