davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

On XX/XX/year> I submitted a compliant to CFPB regarding Invitation Homes and XXXX ( in XXXX XXXX  XXXX ) complaint number XXXX. CFPB completed their investigation and found that XXXX  XXXX  and XXXX had reported in correct information on our rental tenant screening history. It was requested that they update and remove from credit reports. We assumed that it had been done since, they were advise and we also received communication that we had been added to the class action lawsuit for fraudulent rental fees, rent and wrongful eviction. We went to apply for a new apartment and were advise that it is in fact still showing on our credit and we will need re dispute provide previous dispute. I need this resolved as it has caused an unwarranted amount stress and anxiety. We can not afford to pay high security deposits for something that is not our mistake, along with having the fear of being homeless. Any help once again would be appreciated
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Equifax. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be 120 days late, 150 days late, XXXX XXXX XXXX XXXX, and then back to 120 days late.
Consumer complaint received 2021-07-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC (NC)

I have never signed medical release forms authorizing these companies to provide information with my medical bills. I have repeatedly requested these reports removed. This is in direct violation of my hipaa rights, Im requesting these reports removed immediately. In order for a company to claim debit they are to provide the listing debt company with detailed information regarding the debt. Ive never been contacted prior to or after these debits were initiated not by phone or mail ( service dates XXXX ). I have submitted disputes that have been deleted / removed and then added again by these companies. This is harassment, and damaging to my credit worthiness. Again Im requesting these medical debts removed immediately, I have never given my consent for my medical information to be shared.
Consumer complaint received 2021-02-18
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: Santander Consumer USA Holdings Inc. (NY)

derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX  and XXXX.Please remove in accordance with the fair credit reporting act.
Consumer complaint received 2021-02-17
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: GUARANTEED RATE INC. (NY)

GUARANTEED RATE , INC unlawfully obtaining my XXXX and my XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 

I have not initiated any transaction with GUARANTEED RATE, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with GUARANTEED RATE , INC for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q.
Consumer complaint received 2021-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

We had a home loan with Freedom Mortgage. We sold the house and it closed on XX/XX/XXXX. Freedom Mortgage has not returned our escrow money to us yet. It is over {$3000.00}. I have spoke with several people at the company and am promised each time that it will be sent the next day. It is now XX/XX/XXXX and I have not seen this money. This experience with them is just one more bad experience with them.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, VA, XXXX
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I had a paid membership with Experian Credit Monitoring Service, I cancelled after 2 months of usage, I have requested that this company delete my debit card information out of their system to no avail. I have the Free Service now, I want my debit card info deleted
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, we attempted to unfreeze our Equifax accounts to refinance our mortgage. I went online and was able to unfreeze my account, but when I attempted to go to my wife 's account I was unable to log in to the online account and was only left with a number to call. After calling the number you are forced into an automated service that first tells you about promotions then has you verify basic information. I was able to do this even though it takes about 5 or so minutes.

It asks you vague questions about your credit history past. Some of these questions are so vague that it is impossible to answer such as " Have you ever had a jewelry, auto, retail or finance account? '' or " What was the mortgage lender you had in XXXX? '' I got this one wrong because I think it was the original mortgage lender that we had when we bought our house that was then immediately sold to another lender, and then sold to ANOTHER lender. And it dates back 7 years!

After failing their tests, we were locked out of our account, I think, because the automated system does not tell you that you are locked out, it will only inform you that it is unable to help you after you call back and go through their series of questions AGAIN. I was trying this for at least 2 hours. I had to go online to search the internet to see where I could talk to an actual person ( this was through a completely different number and some steps ).

When we were able to connect to an actual person, we also somehow failed their questions, and were told the only way to contact them at this point was through mail or fax. The customer service person could not help in any other way. Was not able to tell us why our online account was locked or help us unlock our account in any way. We were also told that it would take 5 days after they received our information by mail or fax before they could help us. This time delay would make it so our loan was invalid. Also, because of COVID we do not have access to a fax, and even in regular times would not have easy access one. 

This whole process is EXTREMELY frustrating to say the least.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ascension Point Recovery Services, LLC (ID)

Received a call from XXXX, claiming to Ascension Point, a debt collecting service. They claimed there were debts owed from my deceased husband 's estate ( my husband died 2 years ago ). But they would not say what for or how much. There were absolutely no debts owed at the time of my husband 's death or since then. They asked for personal information, which I would not give. When I commented that this was a scam & I would report it to the authorities, they said they would transfer me. Then the line went dead. 

I have blocked this number on my phone, but I am positive it is a scam. I am reporting it to protect other people who might believe them & send them money. Thank you.
Consumer complaint received 2021-02-17
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. (UT)

I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. There are multiple erroneous spellings of my names and socials listed on my credit file that i need removed ASAP
Consumer complaint received 2024-08-30
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. (GA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forest Recovery Services LLC (FL)

I had an appointment with XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX for a sleep study. They told me the co-pay was {$35.00} and i paid for it on my CC. Months latter they billed me for {$160.00} additional co-pay. I called and they lied that my insurance company gave them the wrong co-pay. My insurance company says they did not make an inquiry about the co-pay. I think they drum up business by lying about the co-pay in hopes they can use the term " uncovered services '' threaten collection. If they had told me the co-pay was {$200.00} I would not have done the sleep study. I have disputed the debt on my credit bureaus twice and they keep validating it. The charge is not for " an uncovered service '' they I am obligated to pay. It is for an item I paid when the service was delivered that they mis-quoted the co-pay amount. It is not for another service that was not covered. The collection agency they are using is Forestrecvy and they opened the case with the credit bureaus on XX/XX/XXXX a year since the last transaction between us has occurred.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in regards to my account with Capital one account # XXXX which is reporting a late in XX/XX/XXXX and XX/XX/XXXX, I am unsure how this happened. I believe I made my payments to you when I received my statements. MY only thought is that my statement did not get to me.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

I hope this message reaches you in excellent physical condition.

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I falled to make a payment, resulting in an erroneous designation as late a sign of an invoicing error-therefore.I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Consumer complaint received 2024-10-17
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: United Revenue Corporation (TX)

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear UNITED REVENUE, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that UNITED REVENUE has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for UNITED REVENUE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that UNITED REVENUE immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring UNITED REVENUE into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that UNITED REVENUE will swiftly correct these violations and respect my rights under the law.
Consumer complaint received 2021-02-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FCI Lender Services Inc. (FL)

I guess I don't have room for a long story so I'll kind of keep it brief there's a company called FCI lending services/XXXXXXXX XXXXXXXX XXXX Play papers for a vision of the property that I've been paying for for the past 5 to 6 years since my brother passed in XXXX or XXXX now for one year I've kind of had to do repairs on the house and I was sending what I could or makes me up the the mortgage slips and still trying to send the money now XX/XX/XXXX I have paperwork that says this law firm XXXX XXXX the XXXX XXXX Florida bar number is XXXX is trying to evict me from my residence when there is no foreclosure I've tried settling with them with the money I do have from my accounts equaling up to {$6000.00} but they're a little lawyer fees and the mortgage they want more than {$10000.00} and I don't wan na work with me I lived in this house for 11 years my mom has died in this house my brothers died in this house I am trying since the pandemic to try to catch up with the mortgage with the stimulus package and also helping others get back on their feet by letting people stay here but when they steal from me I have to replace stuff also also this company since my name is not on the mortgage but is on the last will and testament of my brother and have shown them both copies of the of these PaperWorks that they refused to put me as a co-mortgage holder so I'm able to get homeowners insurance on the house I've survive in this house 3 to 4 category five and have damage to the house and to the outside carport I know the mortgage company called XXXX XXXX sold a mortgage to the XXXX XXXX XXXX FCI and records then they are supposed debt collectors know I've tried reasoning with them and trying to get some insurance money since I have house damage to the house and have mentioned to them multiple times per phone call and in person from a young lady named XXXX XXXXXXXX to her about code enforcement saying that the house needs a paint job and they don't like my window coverings that I have for hurricane so they did help me repaint the house and put a new set of windows up but I still have roof damage this company has housing insurance or hazard insurance on my residents that they do not want to help in anyway even though that I'm paying for hazard insurance through the mortgage
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (AR)

Been banking with arvest for almost a year. Tried getting overdraft coverage to help with temporary insufficiency. Error message everytime. XXXX gives a phone number that has been out of order for at least 7 months. I asked bank to call or look up number and he confirmed the number wasn't in arvest system. When applying for credit card or personal loans the error message is that " Arvest doesn't currently lend to your zipcode ''. The banks website when checking facts doesn't display the same info as it does on my end. For example. Phone numbers.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

ON XX/XX/2021, THERE WERE MULTIPLE FRAUDULENT ACTIVITEIS ON MY CASH APP ACCOUNT THAT WERE NOT MADE OR AUTHORIZED BY ME.BY A XXXX XXXX FOR {$5.00}, A XXXX XXXX {$5.00}, XXXX XXXX {$3.00}. ALSO ON XXXX XXXXXXXX XXXX XXXX FOR {$6.00}. I HAD NEVER DONE TRANSACTIONS WITH HTESE INDIVIDUALS OR HAVE EVER MET THEM. DURING THIS TIME I WAS HOME AND HAD SENT MY DEVICE TO XXXX FOR REPAIR BUT THIS DEVICE IS PASSWORD PROTECTED. I CONTACTED CASH APP/SQUARE CASH INC INFORMING THEM OF THE ISSUE AND PROVIDED WHATEVER THEY REQUESTED AND ASKED FOR MY CASH APP CARD TO BE CLOSED AND A NEW ONE SENT TO ME. I ALSO PROVIDED EVERY INFORMATION THAT WAS ASKED BY THEM TO PROVE THESE TRANSACTIONS WERE NOT MADE BY ME AND THEY STILL REFUSED TO RESOLVE THE PROBLEM AND DECLINED REFUNDING MY MONEY OR PROVIDING ME WITH A NEW CARD. I HAVE CHANGED MY PIN SEVERAL TIMES AND ALWAYS MADE SURE MY ACCOUNT WAS SECURED. CASH SQUARE HAS NOT FOLLOWED CONSUMER PROTECTION GUIDELINES AS A COMPANY. THEY HAVE FAILED TO PROVIDE PROTECTION AND RUN THEIR BUSINESS AS THEY SHOULD. I KEEP GETTING MONEY TAKEN OUT OF MY CARD AND BANK ACCOUNTS AND I HAVE NO IDEA HOW TO STOP IT AND THEY STILL REFUSE TO HELP.