davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AZ)

I noticed a collection account on my credit report from XXXX XXXX ( collection agency for XXXX XXXX ) 'date open ' : XX/XX/XXXX. I disputed with the credit bureaus requesting validation. The account came back as being " valid ''. I responded to the credit bureaus by letting them know in plain words that it is physically impossible for there to be an account opened in XX/XX/XXXX as the apartment complex I live in is not contracted with XXXX XXXX. ( I have been in the apartment since XX/XX/XXXX ) At the same time as I responded to the credit bureaus, I sent the collection agency, Convergent, a letter requesting validation of the debt. They responded stating, " This debt is valid, attached is verification of the debt. '' Attached was a screenshot from what appears to be a computer system. 

A contract was not included. There is nothing showing a breakdown of the amount that is owed.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have accessed my online Experian account, this morning ( XX/XX/2018 ) from a telephone call disputes, I had communicated to Experian 's telephone representatives on XX/XX/2018, in regards to incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Illinois XXXX documented onto my Experian credit file, in preference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the city of XXXX, in the XXXX of Illinois and in the zip code area of XXXX. I have received email notification that my disputes are any for review in my Experian account however, once I had clicked onto the hyperlink button, I always received a message as stated, " We're experiencing technical difficulties and can not access your report at this time ; please try again later '' these messages had occurred for few weeks now. I am unable to review Experian disputes results. I have sent Experian the appropriate identification copies as verification proof regarding their incorrect apartment number, XXXX documented onto my Experian credit file, instead of my correct apartment number, XXXX. See attached PDF files.
Consumer complaint received 2018-06-12
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. (SC)

Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU
Consumer complaint received 2018-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

Hi I am contacting your company because I am a victim of identity theft and these companies are trying to hold me responsible for debt that I didn't not make nor did I have knowledge of. My ex husband that was deported XXXX XXXX used my information as well as my sons to open back accounts as well as credit accounts. I have contacted the companies several times trying to fix this but they refused to do anything. I am a XXXX mother of one and I don't want to be responsible for debt that I did not make. I have filed police reports and my ex husband was XXXX for stealing not only my sons and my identity but also a few other people. I am asking you to please make this company remove these fraudulent accounts because they are not mine and I did not profit off whatever it is that was gotten and these account do not belong to me and are 100 percent fraudulent. Here are a list of the accounts that I am disputing Equifax keeps re reporting fraudulent information and I keep telling them that that these accounts are fraudulent and I would like them removed from my credit report at once XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$420.00} XXXX  reported XX/XX/XXXX These are all fraudulent and I want them removed at once I'm including police report and can also provide deportation information if needed this man stole my identity and I want this removed off my credit report for good. 
If there are any questions feel free to contact me.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I recently filed a complaint XX/XX/XXXX against XXXX XXXX   and this is the response I received : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$620.00} on their behalf. On XX/XX/XXXX, you spoke with an agent in our office and requested proof of the balance owed. The account was placed in a disputed status and collection efforts were suspended. OnXX/XX/XXXX, we mailed you statements obtained from XXXX validating the balance that they state is owed. Within the verification information we have provided is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to verification of debt. In response to your desired resolution, XXXX XXXX   has closed this account in our office and returned it to XXXX. We will request that our information be removed from the credit bureaus. XXXX XXXX does not own this account, and therefore we are unable to guarantee resolution. If you have any further inquiries regarding this account please contact XXXX   directly.
Consumer complaint received 2018-06-09
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: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I notice I have fraudulent hard inquiries. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

I have a loan with THE MONEY SOURCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and THE MONEY SOURCE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-06-09
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: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX is trying to collect on debts I do not owe. My identity was stolen years ago, and I have also filed a police report. Report # XXXX. I have never signed with these creditors. The bureaus keep verifying these accounts, and I have demanded proof of verification on all XXXX accounts.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (VA)

This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from Southwest Recovery Services for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and learned this is for a rental debt owed in the city of XXXX XXXX, VA in which I have never been a resident of that city. This debt was fraudulently placed on my report without my consent. I've requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. 
Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.
Consumer complaint received 2018-06-08
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)

I have contacted Equifax about 5 times within the last 45 days in reference to hard 10 hard inquiries appearing on my credit report in a 30 day period. My identity was compromised. I sent them a police report. They have yet to remove these inquiries. The have yet to provide me proof with my handwritten signature to show that I XXXX XXXX applied for these applications and signed. I am trying to buy a home amongst other things and these hard inquiries are affecting me in a huge way. I need these taken off my report asap. 

Ive sent the police report to XXXX  and XXXX who has cooperated and removed all 10. Equifaxhas not. 

The inquiries are : XXXX XXXX/ XXXX on XX/XX/2018 - Unauthorized, XXXX XXXX/XXXX   XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXXXXXX XXXX , XXXX XXXX on XX/XX/XXXX &  XX/XX/XXXX BOTH Unauthorized, XXXX  on XX/XX/XXXX - Unauthorized, XXXX on XX/XX/XXXX -  Unauthorized, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX BOTH Unauthorized, XXXX  XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXX on XX/XX/XXXX -  Unauthorized.
Consumer complaint received 2018-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

Complaint # XXXX was CLOSED. It should NOT have been since this matter has NOT been resolved. Please see feedback submitted for the above mentioned Complaint number. Please, please, please get this resolved! This company has disregarded my requests since XX/XX/2018! Completely unprofessional service!
Consumer complaint received 2019-04-27
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. (FL)

HELLO APOLOGIZE FOR DISTURBING THEM BUT I AM ALWAYS RECEIVING INDAGATIONS IN MY CREDIT REPORT SOMETHING ELSE CONTINUES USING MY PERSONAL IMAGE PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THANK YOU..PUT A FRAUD ALERT PLEASE.
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (KY)

I invested in concurrency XX/XX/2017. I used Coinbase as it is the lead US wallet for crypto. I made a decent amount of money, so i decided to hold and just use my wallet as a investment in case the price was to rise. well I had not touched my Coinbase accounts for almost half a year. When one day, I checked my bank account and saw that coinbase had charged me 4 separate transactions that totaled to $ XXXX. Once I saw this I logged into my Coinbase account on XX/XX/XXXX and saw that my currencies had been emptied and sent somewhere else and someone was able to use my card to buy $ XXXX in bitcoin and sent it also to a address. I have contacted coinbase and they act that they do not care. I get different answers every time I call and quite frankly it is something I consider quite serious. I lost about ~ $ 6K and they just say I have to wait for my support ticket to get looked at. I am not too sure if it was a hack or not. I have reason to believe my account was not actually hacked. I received ZERO emails for any transaction that happened. I received ZERO 2fa for any login attempts. This is why i have reason to think it may be fraud. It really is a joke when a company treats money with support tickets. It just seems like someone had administrative access to my account and misused it.
Consumer complaint received 2018-06-11
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. (NV)

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. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Automatic Data Processing, Inc. (FL)

Information contained in background screenings completed by various companies contain inaccurate and incomplete information. This continues to result in loss of employment or employment opportunities. The inaccuracies include the failure to note a dismissal of a felony and incorrectly identified a non-violent misdemeanor as a felony. Further, there is no disposition and it appears as if the matter is an ongoing criminal matter. Another inaccuracy regarding the dismissed felony, is the charge is misidentified. It makes the applicant appear as the person is a violent  offender, which is not the case. 
The charge involved a domestic dispute with a sibling who was angry. Again, this charge was DISMISSED as a NO BILL over three years ago and the related conviction for a misdemeanor is NON- VIOLENT. I have contacted XXXX County, Florida Clerk of Courts and they verified their information in their system is correct. I have copies of the court documents as proof the errors above are, in fact, errors. The information has been misreported or depicted inaccurately by public records or interpreted incorrectly by background screeners. I have disputed the background report with backgrounds.com before and this corrected the problem with one company. However, this has been an ongoing problem. This leads  me to believe the problem is with the information reported in public records accessed by other background screening sources.
Consumer complaint received 2018-04-16
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. (FL)

According to the Fair Credit Reporting Act, 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 the 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. I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC (GA)

This company uses a robo call to threaten me to collect a debt. I do not have a debt. They claim to be from Direct Recovery Services. They even give a web site www.directrecoveryservices.com on the recording and a reference number. The end of the recording advise you to go to the website to pay. There are two voices.The recording uses threatening language and frightens my children when they hear the recorded message. They say things like " this is our last attempt to contact you, '' " as the law requires, '' " you are not blind sighted by the events taking place, '' " it is absolutely imperative we speak to you today. '' The voice is loud and angry.
Consumer complaint received 2023-04-18
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. (NC)

This is XXXX XXXX and I am submitting another CFPB Complaint to express my strong objection to the fraudulent items on my credit report, and I demand their immediate and unconditional removal from it. As per the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the credit bureaus ' responsibility to ensure that the information they report is accurate. The presence of these fraudulent items on my credit report is causing significant harm to my creditworthiness, and I urge you to rectify this situation without any further delay. I want to make it clear that I have already reported this fraudulent activity to the relevant authorities and have provided all the necessary documentation to prove that these items are fraudulent. I have also requested the creditors responsible for these fraudulent accounts to investigate the matter and remove them from my credit report. However, despite these efforts, these fraudulent items are still showing up on my credit report, causing me extreme frustration and financial hardship. I need the following items removed as soon as possible : XXXX  XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX Balance : {$120000.00}. This is a blatant violation of my rights under the FCRA, and I demand that you take immediate action to remove these fraudulent items from my credit report. Furthermore, I expect written confirmation of the removal from you.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates are calling me repeatedly, threatening to take legal action against debts that are over 6 years old. They call me everyday, they will not provide accurate details on the original creditor associated with the accounts, they continue to report them to the credit bureaus as delinquent but will not provide me with any information about them. The age of the original debt is on my credit report and is over 6 years old as per what Portfolio Recovery Associates is reporting. It is really damaging my credit, I have other revolving accounts that are paid on time and have small balances if any at all yet what this company is doing is making it hard for my credit score to go up. They are reporting to XXXX that they are not a collection agency and on my credit report it looks like I have open accounts that are not being paid, even though they are listed as closed on XXXX, which makes them impossible to dispute. They are harassing and bullying me everyday, all day long, destroying my credit, I can not dispute the transactions on my credit report, they said they can sue me for the full balance or I can pay them in full, otherwise, they will continue to report me as delinquent. I do not know how this is legal to do. especially when the account shows that its over XXXX XXXX XXXX.
Consumer complaint received 2023-04-17
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. (CA)

I am writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
Report # XXXX. # XXXX. 

XXXX XXXX Last four digits of Social Security XXXX XXXX XX/XX/XXXX XXXX charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility XXXX name XXXX XXXX Account XXXX XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



XXXX name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$15000.00}
Consumer complaint received 2018-01-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Green Trust Cash, LLC (MI)

I received a {$300.00} loan from greentrustcash on approximately XXXX/XXXX/XXXX. Where it was set to pay back in increments of {$78.00} every two weeks on my pay day. 4 payments were taken out respectively on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX totaling {$310.00}, equaling an overpayment of {$12.00}. 

It is now to my understanding that Greentrust applies a 699.99 % annual percentage rate to the loan set out to 8 payments of {$78.00} which would total {$10000.00}.