davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

So far I've made it through 2 of 3 credit bureaus. Both showing 2 incorrect, false information. 
1 ) XXXX XXXX  Applied for services on line. Multiple phone lines and phones. Went in to pick phones sign papers, we were refused phones, we stated cancel whatever contracts, because you are breaching the verbal/written agreement made, so we left no phones. Now I find on my credit report an amount owed, and negative marks. For a contract breached day 1. I have no documentation because the only thing to document, was the breach done by XXXX. I find this highly disturbing. Both bureaus refused to correct and remove but stated my dispute ( which IVe filed multiple times, can't be located ). Disgrace. 
2 ) after being rear ended and put out of work, a crooked insurance company sent me 2 pip  checks. ( personal injury protection ) on most insurance policies. And in true form for customers loyal for 10 years, XXXX put stop payment before mailing these checks. My accounts were frozen and force closed due to ( suspected ) fraud. Now I find XXXX XXXX is showing up on my credit report, showing a credit card balance. Funny thing though, payment was refused and the money in hand denied with an accusation of possibly counterfeit. This was after being in a XXXX XXXX and finding out my accounts were frozen and in process of being closed. This action from my bank, because of fraud done to me by my own insurance company. When this was reported to the authorities, by me, the XXXX  XXXX  there to protect consumers, found in favor of the insurance company. Apparently it's alright to defraud your loyal customers. Apparently it's ok to show false inaccurate information about you on credit reports ruining your chances of ever fixing or repairing your credit. Or owning a home, or decent car, or any benefit of good credit. And though I mean I'm no attorney, but isn't it illegal to put false derogatory and negative information out to whomever requests it? And refuse to remove it? I've made no headway with XXXX the bank or the bureaus. And this is so wrong and illegal. But what do you do when this happens? Report it to the crooked authorities? Like the CFPB who will always in my experience side with the corporation not the consumer they are supposed to protect. What a disgusting agency this one is. Corporate financial protection bureau.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of XXXX  but even that I can no longer afford because of how badly my financial report has become.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I have been faithfully paying my loans since I started graduate school. I have been waiting for my loan servicer which is MOHELA to update my student loan information. I have been waiting for XXXX months. MOHELA has begun to charge interest on my account. However, I still do not have any information about my XXXX time IDR adjustment. I am currently on the SAVE plan. My principal balance was {$54000.00}. I have paid off {$30000.00}. According to https : //studentaid.gov/announcements-events/save-plan # benefits for loan amounts over {$26000.00}, each additional {$1000.00} is equal to an extra year of payments. I have paid off {$30000.00}. If I am not mistaken, this would qualify me for forgiveness for my graduate loans. I am just wanting to know if I do or do not qualify for forgiveness. I am looking for an IDR account adjustment. I am asking for help so I can be XXXX less customer for MOHELA to be forced to work with. I realize they are very understaffed, not properly funded and are overworked. I am looking for a simple answer of whether or not I am eligible for forgiveness. In this way, I can help reduce their workload. Thanks very much for your help.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (NC)

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : ABLTY RECVRY Account number : XXXX Account name : ABLTY RECVRY Account number : XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been with this company since XXXX to the present. My monthly payments range from hundreds of dollars to tens of thousands of dollars. Within a year I began to notice interest being added to my bill. I would call and it would be removed. My contract clearly stated that if the bill was paid in full and on time there would be no charges or interests, I made sure that was done monthly. It got to the point where the interest was appearing and balances where appearing were there should not have been, but a XXXX balances. I cancelled the card after speaking with the company several times and writing notes to this day. I have cancelled the card, but I still get a monthly bill on a XXXX balance. The company decide after all our coversations, I guess that they would bring back those interest charges that should not have been on my paid in full and on time bills in the first place and somehow start charging me interest on them. I dont't know how they can do this. I want it to come to an end.
Consumer complaint received 2023-07-27
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

AFTER SUBMIT A COMPLAINT WITH COLLECTION AGENCY, BELOW WILL BE THEIR ANSWER XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a debt collection agency. The complainant has previously filed a complaint under Reference XXXX. The complainant alleges that the product or service is a payday loan in this current complaint. After a thorough review of our records, we can confirm that the complainant has no accounts with our office related to a payday loan. Should the complainant require further assistance or clarification, they are welcome to contact our Chief Compliance Officer, XXXX XXXX, at XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (OR)

In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX XXXX, I will file a suit and will follow up with an Invoice for Each Violation.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch (PA)

I checked my credit score and discovered that a debt collection company called Kinum claimed I owed {$110.00}. I have never heard of this company, have never received any communication written or verbal from it, and have no idea what company claims to be owed. 

I believe this to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and am considering all options, including a class action lawsuit.
Consumer complaint received 2024-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (CA)

Loancare XXXX XXXX XXXX XXXX switched to a new online system or portal. 

Their new system will not let me add my bank account as a payment method and keeps saying " enter a valid routing number '' The routing number is for XXXX XXXX  and is XXXX I attempted to add my secondary bank account ( from a different financial institution ) and it allows me to add it with XXXX errors. 

The bank account is not new and I have been making mortgage payments with the bank account for several years. 

Additionally, when I call to have an agent assist me with making the payment, they are able to process the payment manually.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

To Whom It XXXX Concern, I am disputing multiple egregious errors concerning late payments and unauthorized hard inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX. If immediate action is not taken, I intend to enforce my consumer rights to the fullest extent of the law. Late Payment Disputes The following tradelines incorrectly report late payments despite timely payments per my records. I demand you update to positive now or show me proof you gave me the option to opt out. Under the Fair Credit Billing Act, XXXX XXXX. XXXX, I have the right to dispute these patently inaccurate credit report items. Hard Inquiry Disputes Additionally, the below hard inquiries were accessed without any permissible purpose or authorization as mandated by the FCRA [ XXXX ( f ) ] : XXXX - XX/XX/year> This inquiry was not authorized - The following inquiry was not authorized and should not be reporting XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA XXXX B ( XXXX U.S.C XXXX ) that Equifax credit reporting XXXX XXXX XXXX XXXX appearing on my consumer credit report. That is the result of Identity theft and fraud within XXXX business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX the account number XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report. Maintained by Equifax which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA XXXX B ( XXXX U.S.C XXXX ) that Equifax credit reporting agency , block information appearing on my consumer credit report. That is the result of Identity theft and fraud within XXXX business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX the account number XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well as a copy of the consumer XXXX  credit report. Maintained by XXXX which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In the Eastern District of Pennsylvania FCRA Violations complaint XXXX XXXX XXXX. 
Experian XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX RESPONSE TO THE SAME COMPLAINT SENT TO ALL CRAs. for the past 24 months. I have used this forum to build this case to show the incompleteness and inaccuracy on reporting of all three CRAs which continues to report different information on all the disputed items to include proof of all the changes made to each items everytime each items were disputed by certified mail aswell as to the CFPB. 

Instead of agreeing to deleted and block the inaccurated items, they keep changing information and then claim to verify the inaccurate and incomplete account : They have changed several times : 1. The name of the company 2. The date of last payment 3. The balance on the account 4. Payments made to payments not made 5. Type of account If the items were inaccurate incomplete and false, FCRA laws require a deletion of any such credit items. 
I have saved and documented all credit reports reflecting my complaint and planned to seek damages for these reporting errors to include : compensatoury and punitive damages and attorney fees. See my attachements Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 

Please note I submitted the same certified mail dispute to all CRAs
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MO)

Re : ACCOUNT NUMBER UNKNOWN Dear REPRESENTATIVE, I am writing to formally demand that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including but not limited to phone calls, letters, or any other forms of communication, concerning this account.

In addition, this letter serves as a formal demand for you to immediately cease reporting this account to any credit reporting agencies. I believe this account to be the result of identity theft, which I have previously disputed. Attached is a copy of my identity theft report for your records. Since this account is fraudulent, it should not be reflected on my credit report, and I expect you to take immediate action to remove it.

This letter does not serve as an acknowledgment of any debt or liability. I do not consent to any communication by phone, at my place of employment, or home regarding this matter. If you intend to take legal action, any further communications should be limited to written notice of such action as required by law.

Failure to comply with my request may result in further legal actions.

I expect written confirmation within 30 days that you have ceased all communication and collection activities and that you have notified all credit reporting agencies to remove this account from my credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit 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. (MD)

On XX/XX/year> I purchased a dishwasher from XXXX XXXX, and paid for installation and take-away of old appliance. Though the dishwasher was delivered ( and sat in my dining room for months ), it was never installed nor was the old appliance taken away. Each time I scheduled the installation, a new installer arrived, giving a new and different excuse as to why he couldn't or wouldn't installed the dishwasher. Lacking any success, I hired a plumber to install it and called a junk company to remove the old machine from my property. When the bill came, I deducted these expenses from the total and filed a dispute with XXXX XXXX regarding their lack of responsibility. Meanwhile, I wrote to CitiBank to notify them that I was disputing the charges. Meanwhile, my dilemma became known to others and I found other elderly females who experienced the same thing. XXXX XXXX had found a method to sell a product, promise installation and take-away, but never complete the service. I wrote to XXXX XXXX at their corporate offices informing them that I am not the only one who has been scammed. After months of writing letters, I finally connected with the Executive VP of XXXX XXXX who paid the disputed amount and sent me a letter of apology. Citibank gladly accepted the amount that was in dispute, but refuses to to dismiss their late fees and interest charges. Over the last 6 months, Citibank has continuously charged late fees ( each month the amount rises ) plus interest ; in addition they have notified the Credit Bureaus of the defunct amount causing me to lose my perfect score. XXXX XXXX paid Citibank the disputed amount, but refuses to pay late fees and interest. Neither will I. If an amount is in dispute, it should be held dormant until a resolution is reached.
Consumer complaint received 2024-09-26
Product: Credit reporting 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. (TX)

Recently checking my credit reported I noticed that I've been a victim to identity theft and found numerous credit inquires. I have no knowledge of here are the inquiries that I've found : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Please remove these inquiries from my credit report. I also attached my identity theft report as well
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I have been trying without success to have this credit bureau place a freeze on my credit report, I have sent in letters with my particulars for a credit freeze to be placed on my account or credit report without success as I was a victim of identity theft in the past. 
Kindly and please place a credit freeze on my credit report immediately please.